vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-10 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: TX

Complaint narrative:
I sent this letter XX/XX/XXXX, to all the 3 Major Credit Bureaus for investigation on inaccurate data on my credit report. I pointed all the incorrect information from Date of Last Activity, High Balance amount, last payment date etc. all different from each credit bureau. This is impacting me greatly because it is keeping me from making major purchases because of the inaccurate information on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To Whom This May Concern After recently reviewing my credit report I noticed several inconsistencies regarding account ( XXXX/ Acct # XXXX ) on the date of the last activity section. XXXX is reporting a date of last activity XXXX, Experian is reporting a date of last activity XXXX and XXXX is reporting a date of last activity of XXXX. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately. 
XXXX XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Unsecured loan Unsecured loan Unsecured loan Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$4900.00} {$4900.00} {$4900.00} No. of Months ( terms ) : 60 60 60 High Credit : {$6000.00} {$6000.00} {$4900.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$4900.00} {$4900.00} {$4900.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor. Charged off account Unsecured Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX

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 2022-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I received a alert through my credit monitoring of a new derogatory account. The account is with Convergent outsourcing for XXXX. I have never in my life had service with XXXX. I filed a Identity theft report with the FTC and on XX/XX/2022 I sent documentation to Convergent Outsourcing as well as XXXX and XXXX with certified mail. I have yet to receive any response from the collection company as well as from XXXX. XXXX has removed the fraudulent account, XXXX has not. This account is not mine.

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 2022-07-10 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: IL

Complaint narrative:
I have called Transunion to try and fix my inquiries. Transunion is showing inquiries that are not mine, XXXX and XXXX both show the correct information but Transunion is showing inquiries that I have never made or authorized, I have asked them to remove them but they refuse to do so and say they will look into it but nothing has happened. I have called them numerous times in the last few months but they refuse to help.

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 2022-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Approximately in XXXX XXXX, I had XXXX  while XXXX XXXXXXXX XXXX set up to go to this bank. I also deposited a check of significant amount at this location. After being XXXX in XXXX and opening a claim for XXXX compensation I completed documentation to have my monthly payments set up to be deposited into this bank. I withdrew {$4000.00} once approximately XXXX. Later, after I returned, to check the status of my funds, I was told by a bank representative that I had never had an account opened there. That same day, I was also told by a bank teller that I had an account there, but the name had been changed on it. Then I was told by the same bank representative that mentioned I never opened an account there that my wife closed my account, and it was now in her/my son 's name. This bank representative was obviously upset that I had been informed by a bank teller that I had in fact opened an account. I provided her with the XXXX XXXX XXXX XXXXXXXX showing her the bank account number and XXXX, then she finally agreed that I did have an account there, but it had been closed and reopened by my wife in someone else 's ( my son 's ) name. After attempting to further resolve this issue, I was met with hostility and almost threatened that I was attempting to access someone else 's account. I was refused any assistance to meet with another representative.

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 2022-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have disputed XXXX XXXX inquiries that appears on my credit that I did not do. The credit agency says they are accurate or they can not remove these from my credit file. I explained to them that I did not give permission for any of these inquiries from XXXX XXXX I have no idea who they are or why they have continually retrieved my credit file. This is fraud! PLEASE DELETE ALL XXXX XXXX  INQUIRIES PERMANENTLY FROM MY CREDIT FILE. Thank you.

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 2022-07-10 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: OK

Complaint narrative:
I have disputed XXXX XXXX  inquiries that appears on my credit that I did not do. The credit agency says they are accurate or they can not remove these from my credit file. I explained to them that I did not give permission for any of these inquiries from XXXX XXXX I have no idea who they are or why they have continually retrieved my credit file. This is fraud! PLEASE DELETE ALL XXXX XXXX INQUIRIES PERMANENTLY FROM MY CREDIT FILE. Thank you.

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 2022-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I didnt catch the name of the debit collection company but I contacted the actual credit card company which is Comenity Bank XXXX branch and spoke with someone there. Discussed my financial situation right now. 

Someone from debit collections said I was 4 months behind but the lady I talked to directly from Comenity Bank ( XXXX  ) said I was 2 months behind. 

The man who wanted to argue on the phone from debit collections has called me 19 times in the last 24 hours and has only spoke to me once. Every-other time I have answered they hang up after 2 seconds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-10 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: NY

Complaint narrative:
in accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX-Retail Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX Card Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX, Account XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX of XXXX Account # XXXX US Dept of EDXXXX 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 an account without my written instructions

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 2022-07-10 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: NY

Complaint narrative:
in accordance with the Fair Credit Reporting Act XXXX  Account # XXXXXXXX XXXXl Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXXXXXX, Account XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX Account XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX US Dept of EDXXXX Account # XXXX US Dept of EDXXXX 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 an account without my written instructions

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 2022-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Dear CFPB, I really need help to address this inaccuracies on my credit report which is tarnishing my reputation and stopping me to establish a good credit. I have sent a dsipute to credit bureaus but I was not able to receive a good response. 

LVNV FUNDING LLC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been reviewing my consumer report in its relationship between I, XXXX XXXX, and you TRANSUNION and I've noticed unauthorized inquiry 's on my consumer report. 

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 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 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 XXXX XXXX XXXX XXXX XXXX

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 2022-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
On XX/XX/22 an unauthorized person. used my ssn and tried to open a XXXX  credit card. 

I reported the fraudulent transaction to XXXX  and trans union. 

XXXX did not open the credit card and trans union advised me to report the incident to the federal trade commission.

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 2022-07-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
AidVantage denied my federal loan refund which is authorized by the CARES Act -- On XX/XX/XXXX, I called AidVantage to request a refund of the federal loan payments I made during the pandemic, but according to AidVantage, my request has been denied by the Department of Education. I requested funds that I paid from XX/XX/XXXX- XX/XX/XXXX in the amount of {$5700.00}. AidVantage did not provide me with a clear explanation for the denial, and to date, I have not received my refund as promised despite multiple phone calls with AidVantage representatives. 

The AidVantage representative I spoke with on XX/XX/XXXX initiated my refund request without an issue, and per her guidance, I called again on XX/XX/XXXX to check the status. On XX/XX/XXXX, I was informed that the Department of Treasury was approving my refund and I should expect to see the funds in my checking account within XXXX weeks. However, I still hadn't received my funds. I called AidVantage again on XX/XX/XXXX ( spoke with XXXX ) and was informed that " my request did not go through the Department of Education. '' XXXX told me that refund amounts about {$3000.00} need additional approval and somehow my request was denied, although she could not relay the issue to me. Her explanations were rather vague. XXXX said she escalated my case for reconsideration. 

A bit of background - I continued to pay my loan payments throughout the entire pandemic, XX/XX/XXXX- XX/XX/XXXX, despite not being required to make payments. 
I wanted to take advantage of XXXX interest ; however, given the continued payments extensions, a need for my money, and uncertainty from a political perspective about student loans, I requested a refund. Also, I have a perfect history of paying my federal student loans on time since summer XXXX, so I do not understand why AidVantage is holding up my refund. 

I'm afraid that AidVantage is imposing their own rules for requested loan refunds, particularly for the extra approval hoops required for refunds above {$3000.00}. I am unaware that the CARES Act set any upper bound for loan amounts. I understood that any payments, despite the amount, are eligible for a refund. Additionally, AidVantage has not provided me with any written documentation/confirmation of initiating the refund which is also a concern since there is a lack of a paper trail.

Thank you in advance for your assistance! I hope that other folks are not in my situation!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 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: NY

Complaint narrative:
I didnt authorize anyone or sign a power of attorney or consent in anyway or form for any person to open up a student loan for XXXX $ and another student loan for XXXX $ and a XXXX  XXXX credit card for XXXX $ these are all fraudently and i never had the knowleqde or acess to any of these i want it removed off my credit report asap immediately because it does not belong to me and it is not fair i reached out to get help and nobody is tryna help me with this emergency situation

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 2022-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My account with XXXX 's has been paid and closed since XX/XX/2021. I have contacted XXXX 's multiple times to correct the error which they say they have but my report still reflects derogatory. This account needs to be removed from my credit report for inaccurate reporting since XX/XX/2021, at the very least remove they should remove derogatory remarks. I have attached a copy of my account status for XXXX 's acct XXXX.

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 2022-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP
State: CT

Complaint narrative:
On XX/XX/22 an unauthorized person. used my ssn and tried to open a usbank credit card. 

I reported the fraudulent transaction to usbank and XXXX XXXX. 

Usbank did not open the credit card and XXXX XXXX advised me to report the incident to the federal trade commission.

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 2022-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Dear CFPB, I really need help to address this inaccuracies on my credit report which is tarnishing my reputation and stopping me to establish a good credit. I have sent a dsipute to credit bureaus but I was not able to receive a good response. 

DISCOVERBANK XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: World Omni Financial Corp.
State: GA

Complaint narrative:
XXXX XXXX World Omni Financial Corp has breach the agreement as it pertains to the truth and lending law. They fail to issue a form XXXX. They fail to give me a check for the finance charges. According to 15 USC 1605 the amount of the finance charge in connection with any consumer transaction shall be determined as the sum of all charges. Charges or premiums for insurance written in connection with any consumer credit transaction against loss of or damage to property or against liability arising out of ownership or use, shall be included in the finance charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: AL

Complaint narrative:
I purchased a flight with insurance on XX/XX/30 it was for the incorrect date. I noticed and called the airline they refused to fix the flight they wanted to charge an additional {$100.00} to change or to cancel so I called to dispute it with my bank they canceled the dispute said its not an error but I never took the flight and it wasnt even supposed to leave til XXXX. XXXX XXXX, XXXX XXXX insurance and chime financial

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX while in XXXX XXXX a friend and I visited XXXX XXXX XXXXXXXX XXXX. I was told that the bill was going to be XXXX Pesos however after I signed one of the receipts he came back and said it was denied and asked me to sign again. He was covering the amount and when I uncovered it is was for XXXX Pesos. I complained to him but decided to allow the extra charge. The next day I got home and looked up the charges and there were 2 charges from 2 different establishments. XXXX and XXXX XXXX XXXX XXXX When I contacted my credit card company Capital One they informed me that the charges were made with XXXX minutes of each other. Obviously this business has a setup to double charge customers. After Capital One supposedly investigated the charges they found no evidence of fraud and charged me {$600.00} USD for the fake transaction plus {$510.00} USD for the one that I did authorize. I have already closed my account because of the poor customer service but I still have a balance to payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Dear CFPB, I really need help to address this inaccuracies on my credit report which is tarnishing my reputation and stopping me to establish a good credit. I have sent a dsipute to credit bureaus but I was not able to receive a good response. 

CAP1/SAKS XXXX

Company response to consumer: Closed with explanation