vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-12 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 USC 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt this account is in violation XXXX XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity thef XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity thef XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 4. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity thef XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately 5. Verify This invalidated account XXXX XXXX XXXX XXXX Account Number : XXXX Delete account for failure to perform an investigation per fcra regulation

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 2022-10-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
ComenityXXXX allowed me the card of XXXX. I used XXXX of the card and they closed the card themselves. Also the comenity card which was way fair will not work with me. I have became unable to work and have begged them for a hardship program because I have applied for XXXX and they will not help me. I ask them to close the comenity card and theyve not yet done so and Ive paid and paid on this card and not getting anywhere. I read reviews on the XXXX  page and the reviews are bad! I have ask and begged to the point I dont know what to do!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
I have just received a letter as of today XX/XX/2022 from XXXX XXXX. They have indicated they have attempted to contact me a month ago which is a complete lie. This is my first time even being aware the account from XXXX was sent to collections, I have been working with chase to pay this amount down. Nationwide credit has also not mailed me any documents for my right to dispute just a letter stating I owe money which is completely unfair. 
They have not sent any written contracts with my wet signature or a full disclosure.

This debt collector has also violated 15 USC CODE 1692b which states : 15 U.S. Code 1692b - Acquisition of location information ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; They have also broken 15 U.S. Code 1692f - which states Unfair practices ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
I went to XXXX website and applied for a consolidation loan for my privately held FFELP student loans held by AES. Both originated in XXXX. We are legally able to consolidate privately held FFEL loans. 

AES is refusing to allow the consolidation. XXXX is not responding to the consolidation application that was sent by the student aid website. 

I need my FFELP consolidated. I applied in early XXXX before the federal government made the deadline cutoff for this consolidation of XX/XX/XXXX. I made the application before this time in early XX/XX/XXXX. I DO qualify for consolidation AND FORGIVENESS into federal direct loans. 

Please force the banks and servicers to comply with federal law and allow this consolidation. That would be very nice. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/XXXX, my insurance with USAA was cancelled due to non-payment. This is a request of validation of debt and authenticated statement of account associated with USAA member no. XXXX. I have tried to resolve this issue multiple times with the Financial Institution. There is a claim of debt being owe to USAA when that is inaccurate reporting. As a Financial Institution, USAA is obligated to the Truth in Lending. Full disclosure was not given to the consumer that the original application of credit was payment for an open-end account. Every application is a letter of credit, as defined in UCC 5-104. A letter of credit is authenticated by signature. There is no payment required. I became a member with USAA in XXXX and I have made payments in good faith to ensure that the insurance policy would stay active. USAA never disclosed that it was a financial institution. USAA never disclosed the Truth in Lending Act. USAA has taken payments from the consumer and pursuant to 15 U.S.C. 1692 ( h ) I demand that all payments made to USAA be returned to the consumer IMMEDIATELY. USAA has used my social security number which is a credit card pursuant to 15 U.S.C. 1602 ( L ), and I have not received any benefits from the use of my credit card. USAA is acting as an unauthorized user ( 15 U.S.C. 1602 ( p ) ) of my account by utilizing my credit card and that is a criminal liability pursuant 15 U.S.C. 1611 for willful and knowingly committing fraud. This correspondence, administrative process, serves as Notice of Service to, USAA, and Notice of Intent to resolve this matter in a court of competent jurisdiction pursuant to 15 U.S. Code 1692 ( k ) if actions acceptable to the consumer, pursuant to law, do not occur within the allotted time. I, XXXX, XXXX, is a natural person, consumer pursuant to 15 U.S. Code 1692 ( a ) ( 3 ), and creditor pursuant to 15 U.S. Code 1692 ( a ) ( 4 ). I extended my credit to USAA, please show me a corrected copy of the 1099 that is to be filed by the Financial Institution quarterly. The statement of account should be an authenticated record from an accountant and not a billing statement. Being that credit is the only true monetary source of any transaction, there should be no billing statement whatsoever. Remittances are not being accepted by USAA. The APR is to be applied to the unpaid balance. USAA refuses to do so. I demand that my policy be reinstated, and I demand that payments made in good faith be returned IMMEDIATELY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
I started my account in XXXX of XXXX. Every week for months over the summer of this year, XXXX to XX/XX/XXXX, Regions bank has been over drawing my account then charging me, sometimes multiple overdraft fees after I opted in for overdraft protection.

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 2022-10-12 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: GA

Complaint narrative:
I submitted a dispute on XX/XX/24 to get an account that is incomplete with multiple inaccuracies removed from my credit report. 

I received an update email from the bureaus but after a review of my report I noticed that the account is still inaccurate and incomplete. 

I followed up on XX/XX/24 and have only received a response that they are still working on it. 

This is a violation of the FCRA and a direct violation of 15 USC 1681 ( 5 ) ( A ) ( i )

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 2022-10-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a dispute on XX/XX/24 to get an account that is incomplete with multiple inaccuracies removed from my credit report. 

I received an update email from the bureaus but after a review of my report I noticed that the account is still inaccurate and incomplete. 

I followed up on XX/XX/24 and have only received a response that they are still working on it. 

This is a violation of the FCRA and a direct violation of 15 USC 1681 ( 5 ) ( A ) ( i )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frontline Asset Strategies, LLC
State: MI

Complaint narrative:
Frontline Assets Strategies LLC and XXXX XXXX are demanding a Police Report for their mistake in issuing credit to someone pretending to be me. 

This is a waste of the Police time and my time. XXXX XXXX should be fined for this abuse of debt collection. 

XXXX XXXX clearly does not know how to verify simple ID checks for potential new clients. They need to improve their systems and training. I think the US Gov't should fine them and turn all money over to local police departments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I opened a care credit card with Synchrony Bank this past summer. I have a zero % interest on a portion of the balance good for 12 months and I have a portion that has a 14.99 % interest. I have called every month and asked them to allocate my payments and then they apply however they want. I realize they are doing this so my payments don't post correctly and then they can charge me all the interest that I would have saved with the zero % interest. I have called them twice in XXXX, twice in XXXX, twice in XXXX and once in XXXX. This is a SCAM company and I can't get anywhere with them. The supervisor I spoke to on XX/XX/22 reassured me it would get corrected and I just called today XX/XX/22 and they said it will take 1-2 billing cycles. this is unacceptable by me because its a part of the SCAM they are running. Please help me get this resolved.

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 2022-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I have attempted to reach out many times to ask for a payment plan they said if I could not meet a certain minimum I was not able to get help. Now they want to send me to collections after I attempted to get help to pay a smaller amount to get back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: AES/PHEAA
State: VA

Complaint narrative:
I requested a student loan refund due to the Cares Act on XX/XX/22. I have reached out to MyFedLoan Servicing a few times and each time, I receive different information about my student loan refund. I called a few weeks ago ( XX/XX/22 ), and the representative told me that my request was approved and it is being processed for payment. I called again today to get a status update ( XX/XX/22 ) and the representative ( XXXX ) said that the refund request was still pending and has not been approved. I would like more accurate information about the refund request from the representatives so I can understand how long this process will take.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: CO

Complaint narrative:
I have been disputing 6 charge offs listed on my consumer report for months with no success from the companies or the three consumer reporting agencies. The status of these accounts are inaccurate and continue to harm my character, reputation and ability to obtain credit for personal and household purposes. My consumer rights have been violated and I demand that these accounts be deleted, and I am seeking {$1000.00} per violation.

Per IRS publication, a charge off is a cancelled debt and the consumer is required to report the charge off amount as gross income regardless of if they receive a 1099A from the lender. I amended my 2021 tax return and reported all charge offs as gross income. I now owe the IRS. These accounts listed on my consumer report as charge offs are now incorrect and inaccurate. I have sent letters to all three consumer reporting agencies, and they continue to come back verified which brings me to the question, what is the investigation process? How are these accounts coming back verified if I am the only one that can verify anything on my consumer report? I never gave any written consent for any of these accounts to be on my consumer report, so they are being illegally reported. I have been denied credit due to these negative accounts being listed on my consumer report, which has caused me and my family grave harm. In my current position, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This has put me under extreme stress and could have easily been avoided if the consumer reporting agencies did their due diligence. My next step will be Federal Litigation if this is not remedied asap. I have identified below which of my consumer rights have been violated.

1. 1681e ( b ) Compliance procedures 2. 1681b. Permissible purposes of consumer reports 3. 1681c. ( 5 ) Requirements relating to information contained in consumer reports 4. 1681i. ( 7 ) Procedure in case of disputed accuracy 5. 1681n. Civil liability for willful noncompliance 6. 1681a. ( 2 ) Definitions ; rules of construction

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 2022-10-12 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I have been disputing 6 charge offs listed on my consumer report for months with no success from the companies or the three consumer reporting agencies. The status of these accounts are inaccurate and continue to harm my character, reputation and ability to obtain credit for personal and household purposes. My consumer rights have been violated and I demand that these accounts be deleted, and I am seeking {$1000.00} per violation.

Per IRS publication, a charge off is a cancelled debt and the consumer is required to report the charge off amount as gross income regardless of if they receive a 1099A from the lender. I amended my 2021 tax return and reported all charge offs as gross income. I now owe the IRS. These accounts listed on my consumer report as charge offs are now incorrect and inaccurate. I have sent letters to all three consumer reporting agencies, and they continue to come back verified which brings me to the question, what is the investigation process? How are these accounts coming back verified if I am the only one that can verify anything on my consumer report? I never gave any written consent for any of these accounts to be on my consumer report, so they are being illegally reported. I have been denied credit due to these negative accounts being listed on my consumer report, which has caused me and my family grave harm. In my current position, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This has put me under extreme stress and could have easily been avoided if the consumer reporting agencies did their due diligence. My next step will be Federal Litigation if this is not remedied asap. I have identified below which of my consumer rights have been violated.

1. 1681e ( b ) Compliance procedures 2. 1681b. Permissible purposes of consumer reports 3. 1681c. ( 5 ) Requirements relating to information contained in consumer reports 4. 1681i. ( 7 ) Procedure in case of disputed accuracy 5. 1681n. Civil liability for willful noncompliance 6. 1681a. ( 2 ) Definitions ; rules of construction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-12 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I went to see about buying a new vehicle. At that point I gave the dealer the authorization to run my credit once to see what I was approved for, but in return they ran my credit with multiple banks and or had the banks run my credit without my authorization. This in turn has given me over 41 hard inquiries on my credit report between XXXX, XXXX XXXX and XXXX which i can not recover from. I would like these hard inquiries removed because they were not authorized by me. From my understanding when you buy a vehicle it is supposed to be counted as 1 single inquiry but in my case it turned into 41. I have not been to 41 dealerships to purchase vehicles. I only own 2 Dates in question are between XX/XX/XXXX XXXX XXXX 2021

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