vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
All of the inquiries listed on my Equifax credit report are fraudulent. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
they charging ridiculous fees when I deposited a check and they put the check on hold for almost two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The letter below was sent to Transunion on XX/XX/22 and I've included their response in the attachment Dear TransUnion To be clear, 15 days should be enough time for your company to send me the information that Im requesting regarding the last investigation you did on the following account listed below. 



XXXX XXXXXXXX XXXX XXXX  : Account number : XXXX, Tell me, how did you verify this account? I need a full investigation done and a full report. 

You verified this account pretty fast, therefore I have a simple request. What procedures does your company have in place to investigate accounts? Please send me a copy of those procedures. Second, what data are you basing your verification on? Please send that to me also. I want to make sure you are following all laws. If you can not provide me with the documentation, please delete it from the report and send me an update. 



Once again, I believe 15 Days should be enough. As I am tracking all letters and awaiting your response. 



Sincerely

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants Credit Bureau, Inc.
State: SC

Complaint narrative:
I was a part of a data breach which resulted in my information being stolen and used. Since it was a data breach for the company I worked for their legal team handled all prosecutions. I am attaching all documents related to this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
I received an alert from my bank 's credit monitoring app on XX/XX/22 that there was a change to my credit report. When I logged in I discovered that my Transunion credit score had suddenly dropped XXXX points, lowering my credit status from XXXX to XXXX. In my investigating further for a reason for this drop in my score, I could find nothing - no new credit inquiries, no change in my status, all my accounts paid on time, nothing in arrears. 
I contacted Transunion by phone on XX/XX/22 and spoke with a customer service representative. He looked at my account and agreed that he could see no explanation for my score suddenly dropping XXXX points. When I asked him how to rectify the issue and restore my score to its original status, he became very vague and offered no solutions. He implied that there was nothing that Transunion could do, and tried to make it sound as if Transunion was not the culpable party, even though it's Transunion 's credit score. When I pressed him for some action from Transunion to restore my credit score, he said only that he would make a note in my record and told me I could call back in 5-7 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: OH

Complaint narrative:
On Wednesday, XX/XX/XXXX I contacted EdFinancial after receiving news of Biden 's Loan Foregivness. The Federal Student Aid website states that we are allowed to request a refund of any payments made throughout the student loan payment pause period that started in XXXX of XXXX. 

I requested a refund of my student loan payments since XXXX of XXXX  from EdFinancial and was initially informed my negative student loan balance would be reinstated within XXXX hours, and that the refund of my payments would take over 150 days. I called back a week later as my negative balane was not re-instated, and was informed that my negative balance would not be reinstated until my refund is issued, which would take over 150 days. 

I have made payments of {$10000.00} during this period and would be eligible for loan foregiveness if EdFinancial reinstates my negative balance and refunds me the payments I have made.

It seems as though EdFinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, aidvantage are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. Whats worrying to me is that the application for forgiveness starts in XXXX and edfinancial wont be processing any of these in time for us to receive forgiveness. They stated that our loan balances wont be reinstated until the refund is processed which wont be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. 

They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed did send in our request. I realize with the influx of calls that getting our money back could take a while but its very concerning to me that theyre saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Seeing other loan providers re-instating their balance after requesting it just 36-72 hours later makes me very concerned that this company does not have our best interests at heart. 

I am a single parent and this would be life changing money. I am begging and pleading for your assistance. I understand the refund of my payments may take some time and I am content with that, but at the very least they should be able to re-instate my negative balance in time for me to be eligible for the student loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have unauthorized inquiries please delete them I did not at anytime give these companies a right to access my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I attempted to use Annual Free Credit Report.com to obtained my credit file, Experian block my online attempts said I had to use regular mail to request said report and made the consumer wait and additional 14 days to get a copy of their report in direct violation of the FCRA. 

I received report # XXXX for XX/XX/2022, and noticed Experian had deleted the following ( 2 ) Loan accounts from said report : XXXX  XXXX XXXX XXXX XXXX {$17000.00}, and Personal Loan account {$13000.00}, both accounts are currently open in good standing without any late payments. 

Experian removal of both loans accounts intentionally lowered the consumers credit scores and ability to obtain additional loans. This act of removing open lines of credit was based on race and designed to lower the credit scores of Americans of XXXX decent and blocking the consumer ability to obtain said credit reports online and delaying the consumers ability to correct any information blocked said consumer from obtaining timely financing. 

I am therefore requesting a investigation into this practice asking the CFPB to enact and enforce laws and provide consumers from this abusive practice and fine Experian for this deceptive business practice that may affect millions of American of XXXX decent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Avant Holding Company, Inc.
State: CT

Complaint narrative:
Avant is or was reporting to credit bureaus an amount of around {$6800.00} plus interest accrued on a loan I applied for, did not receive, funds were deposited into an account which is not mine, incorrectly. Avant claims to have charged off the balance after letting interest add up and reporting it for several years to major credit bureaus. It appears Avant used this tactic, letting interest add up and report account to bureaus, as a way to attempt to collect on it.. If charged off, the account needs to be removed from credit bureaus. I have not been able to confirm removal from credit reporting to date, however, as stated in prior CFPB complaint, the loan was applied for electronically and Avant has little to no proof I owe such debt and needs to be removed from credit reporting if in fact reported.. Their rep seems to imply I need to make payments by providing their payment information, in which case, no payments will be made as loan was not received and has been charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX payments! I got scammed on from these imposters saying there working for XXXX XXXX! 
I was trying to start a new job as a XXXX XXXX for the company XXXX XXXX and I had gone through the training with these fake poeple and they said once I finish I would have to send them money for materials for the remote desk! And then they would reimburse me! I did the transactions online, This never happened and I never got my money back! They scammed me! We would have communication on XXXX! I sent XXXX  bucks then XXXX and another XXXX on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I investigated my credit report with all three credit agencies and reported the inaccuracies to them, but after the investigation was completed, it did not change the outcome. The inaccuracies are still on all three credit reports. 
After I did very thorough research myself, the information was not corrected after making several attempts to get the information corrected. All three credit agencies are reporting inaccuracies in my credit reports : The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq 602 A. The following accounts are completely inaccurate. 
XXXXXXXX XXXX XXXX  Account Number XXXX : {$1200.00} XX/XX/XXXX & XXXX XXXX Never late. Two reporting agencies show I was never late. 
XXXX XXXX XXXX  Account Number XXXX : {$6000.00} XX/XX/XXXX & XX/XX/XXXX Never late. Two reporting agencies show I was never late. 
XXXX  XXXX XXXX Account Number XXXX : {$5000.00} XX/XX/XXXX thru XX/XX/XXXX Never late. Two reporting agencies show I was never late. 
XXXX, Account Number XXXX : {$200.00} Never late. Two reporting agencies show I was never late. The company issued me a deletion letter and I forwarded it to all three credit agencies, but it was still not removed from my credit report. 
XXXX XXXX  Account Number XXXX : {$16000.00} XX/XX/XXXX through XX/XX/XXXX paid in full. Never late. Two reporting agencies show I was never late. Collect letter removed it from one credit agency, but not the other two credit reporting agencies. 
XXXX Account number XXXX : {$3500.00} XX/XX/XXXX through XXXX XXXX account is closed and still reporting that I have an open account with them. 
XXXX Account number XXXX : {$3600.00} XX/XX/XXXX Never late. Two reporting agencies show I was never late. Collect letter removed it from one credit agency, but not the other two credit reporting agencies. 

I have a right to privacy, and my rights have been violated., U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 
Section 604 ( f ) prohibits any person from obtaining a consumer report from a consumer reporting agency unless the person has certified to the CRA the permissible purpose for which the report is being obtained, and certifies that the report will not be used for any other purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I investigated my credit report with all three credit agencies and reported the inaccuracies to them, but after the investigation was completed, it did not change the outcome. The inaccuracies are still on all three credit reports. 
After I did very thorough research myself, the information was not corrected after making several attempts to get the information corrected. All three credit agencies are reporting inaccuracies in my credit reports : The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq 602 A. The following accounts are completely inaccurate. 
XXXXXXXX XXXX XXXX Account Number XXXX : {$1200.00} XX/XX/XXXX & XXXX XXXX Never late. Two reporting agencies show I was never late. 
XXXX XXXX XXXX Account Number XXXX : {$6000.00} XX/XX/XXXX & XX/XX/XXXX Never late. Two reporting agencies show I was never late. 
XXXX  XXXX XXXX Account Number XXXX : {$5000.00} XX/XX/XXXX thru XX/XX/XXXX Never late. Two reporting agencies show I was never late. 
XXXX, Account Number XXXX : {$200.00} Never late. Two reporting agencies show I was never late. The company issued me a deletion letter and I forwarded it to all three credit agencies, but it was still not removed from my credit report. 
XXXX XXXX  Account Number XXXX : {$16000.00} XX/XX/XXXX through XX/XX/XXXX paid in full. Never late. Two reporting agencies show I was never late. Collect letter removed it from one credit agency, but not the other two credit reporting agencies. 
XXXX Account number XXXX : {$3500.00} XX/XX/XXXX through XXXX XXXX account is closed and still reporting that I have an open account with them. 
XXXX Account number XXXX : {$3600.00} XX/XX/XXXX Never late. Two reporting agencies show I was never late. Collect letter removed it from one credit agency, but not the other two credit reporting agencies. 

I have a right to privacy, and my rights have been violated., U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 
Section 604 ( f ) prohibits any person from obtaining a consumer report from a consumer reporting agency unless the person has certified to the CRA the permissible purpose for which the report is being obtained, and certifies that the report will not be used for any other purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: ME

Complaint narrative:
On Tuesday, XX/XX/XXXX, I contacted Edfinancial immediately after receiving the news of Biden 's Loan Forgiveness. I saw on the Federal Student Aid website that we were able to request a refund on payments made throughout the payment pause that started in XXXX. I went ahead and asked them to do that but was immediately taken aback when they notified me that the processing times would be a minimum of 150 days. I was a pell grant recipient and am therefore eligible for XXXX in forgiveness. Throughout the pandemic I paid over $ XXXX in payments. It seems as though edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXXXXXX XXXX are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. What's worrying to me is that the application for forgiveness starts in XXXX and edfinancial won't be processing any of these in time for us to receive forgiveness. They stated that our loan balances won't be reinstated until the refund is processed which won't be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed did send in our request. I realize with the influx of calls that getting our money back could take a while but it's very concerning to me that they're saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Currently, getting that money back would be life-changing for me as well as many others. So seeing other people 's loan providers reinstating their balance after requesting it just 36-72 hours later makes me very concerned that this company does not have our best interests at heart.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX I took a look at my bank account to see that {$920.00} had been charged to my account at a XX/XX/XXXX in the state of Maryland. I thought this was odd because I have never been there in my life. And I would not spend that amount of money at a XX/XX/XXXX on any given day. Especially considering the fact that I just recently separated from the XXXX  and am a XXXX veteran trying to survive out here. So, I immediately contacted Bank of America and started a claim. The people that I talked to on the phone all seemed to understand what was going on. Well, fast forward to recent. And their claims center and XX/XX/XXXX seems to disagree with the true story and are telling me they dont have sufficient evidence to prove it wasnt me. My XX/XX/XXXX account even had some random persons name and phone number to it. And my debit card information which I never put on my XX/XX/XXXX account. This makes no sense because I live in Texas and given my current life situations I wouldnt do something like that anyways. My bank statements even say the charges were in Maryland. I live in Texas! Apparently that isnt enough proof for them that it wasnt authorized. 12 years with them nowas you can see in the photos Ive attached the charges clearly state they were in Maryland. Not Texas, where I reside.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian has violated my Federally Protected rights under the FCRA. I have tried everything to rectify this issue and you failed have negligently and willfully failed to comply. So I am not disputing or no longer asking for substantial credible proof that you failed to provide, but I am now putting you on Notice to Cease and Desist Communication from me within 30 days including the removal of the accounts in the attachment. Failing to comply will result in Legal Matters in Federal Court. Not only has my livelihood been affected but my children as well. These injuries has caused me huge damages including mental anguish, and mental distress. My consumer report is suppose to be equitable and fair to me according to the FCRA and it has not been it has been used with Extortionate means for you to benefit from it. I never received disclosures from you according to the Gramm Leach Bliley Act, which is also a violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Local Management, LLC
State: SC

Complaint narrative:
Company persuaded me to renew so payments could get back on track. Before renewing I explained to company that I was in a hardship. Now I am still unable to make payments and company has called three to five times a day. Company has called from different unknown numbers for me to answer call. Company has also discussed payments information with third party stating I am behind 3 months.

Company response to consumer: Closed with explanation