vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting 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: IN

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 numbers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 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 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

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 numbers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 non-monetary relief
Consumer complaint received 2023-12-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
This complaint pertains to Consumer Fraud by XXXX XXXX and Dividend Fifth Third Bank. Dividend is under a " Solar Lending Probe '' by the Securities and Exchange Commission and has had to pay {$8.00} XXXX in penalties. I meet with a XXXX XXXX  salesman at my house and was told that with solar my electric bill would be {$96.00} a month total. I went into agreement with XXXX XXXX with this understanding. Never was there a mention of a XXXX from a Second party. My contract with XXXX XXXX was on XX/XX/XXXX with a completion date of XX/XX/XXXX. Work was not started until XXXX XXXX completion date of XXXX XXXX. The XXXX XXXX happened due to Dividend paid XXXX XXXX with no documentation of operational equipment. Also I was billed by Dividend for XXXX equipment in XXXX and XXXX. When I notified Dividend of this problem I was told to bad you still have to pay or we will lean your home. Also the signature on the XXXX document are a forgery not mine. There are hundreds of consumers that have had the same thing happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
I have previously submitted a complaint regarding AidVantage not submitting my refund request to the Department of Education for refund of payments made during the COVID-19 emergency. AidVantage responded that they submitted my request to the Department of Treasury and that payment would be received in 4-6 weeks after processing. That was in XX/XX/. To date, I have not received my refund payment. I have tried to follow up with AidVantage via email but have not received a response. My student loan balance increased due to the refund but I have not received that refund payment. I am unsure if the payment comes from AidVantage or the Department but am not receiving information to pursue through the correct channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have tried numerous times over the past year to get a copy of my ONLINE credit report from Transunion using their website. Also, I have tried numerous times to submit ONLINE disputes using their websites. Regardless of the web browser, when I go to submit a request for a credit report or to submit a dispute, the website doesn't provide any way to continue the request for the credit report or submitting the dispute. Furthermore, when I called them to request a ONLINE copy of my credit report, the representative informed me that I would have to wait for it to be mailed to me. In today 's electronic age, consumer 's should be able to take care of both of these items online. XXXX and XXXX offer credit reports and disputes online along with the ability to upload documents. Why doesn't Transunion offer these services online??? It seems to me that Transunion is forcing consumers to take outdated and arduous steps to see their credit reports and/or to submit disputes in hopes that they become discouraged and abandon the requests thus saving Transunion money and time by not having or meet the needs of the consumers.

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 2023-12-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rocket Mortgage, LLC
State: OR

Complaint narrative:
Rocket restructured my loan under the Cares Act at the height of the COVID Pandemic and put late payments on my credit report, even though they said they would not. This went against everything they told me. Dishonest business practice and no willingness to remove the late payments from my credit report. I am currently going through the purchasing my second home with them and they won't budge, even though I paid off my first loan in it's entirety. I will continue to leave bad reviews as long as they stay on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I setup a new exxon mobil smart card credit card account in late XXXX. 

The objective was to enjoy virtual payments through my cell phone at gas stations. I setup reoccurring payments upon receipt of the new exxon credit card. Since I used the card only for gas, I never really thought about the account, it was a small balance credit card. 

Turns out, I had been setup to only pay the minimum payment amount on a re-occuring basis, something I never do when I setup automatic payments. As a result, I was charged interest every month for XXXX months in XXXX and all of XXXX the entire duration I had the card. I am certain that I setup the correct option, last statement balance. 

When I realized the credit card was near {$800.00} through XXXX in XX/XX/XXXX, I realized that I had not bought {$800.00} of gas that month and signed in. Turns out, exxon mobil had charged me interest every month since account inception. 

I complained, they ( exxon mobil credit/citi ) were rude, I paid off the balance, they waived last XXXX months of interest. Still waiting for those XXXX months to hit my account. I closed the account thereafter.

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 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Hello I was born with a XXXX sister by the name of XXXX XXXX. Our social security number is XXXX digit different and her information appears on my credit report. Right now it is a delinquent account : XXXX XXXX thats been reporting on my credit report and it doesnt belong to me. It belongs to my XXXX. I XXXX XXXX do not have an account with XXXX XXXX. 

Please erase the XXXX XXXX account off my account asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
I am writing to file a complaint against Patenaude and Felix, A.P.C. ( debt collector ) and XXXX XXXX XXXX XXXX XXXX XXXX ( debt collectors client ) for violations of state and federal consumer financial laws. 

Patenaude and Felix, A.P.C. and XXXX XXXX XXXX XXXX XXXX XXXX have acted deceptively, unfairly, abusively, and in bad faith by opportunistically exploiting the pandemic to breach debt settlement agreements and file fraudulent judgments in an attempt to alter settlement terms for financial gain. 

The details are as follows : - On XX/XX/XXXX, a debt settlement agreement was executed between myself and XXXX XXXX XXXX XXXX XXXX XXXX XXXX represented by Patenaude and Felix, A.P.C. ( hereinafter " Patenaude '' ).

- In accordance with Patenaude 's instructions, an automated payment method was established, providing the necessary account information for monthly payments.

- Patenaude confirmed receipt of the account information and approved the automated payment method.

- Payments were consistently made on time per the settlement agreement until the onset of the pandemic.

- During the pandemic, Patenaude ceased processing payments, attributing their failure to do so to pandemic-related issues ( admitted by Patenaude in writing, available upon request ).

- Despite my multiple attempts to reestablish payments, Patenaude has repeatedly refused to accept payments per the terms of the settlement agreement, explicitly stating that they and XXXX XXXX XXXX XXXX XXXX XXXX were unwilling to abide by the agreement ( written documentation available ). 
- Instead, Patenaude and XXXX XXXX XXXX XXXX XXXX XXXX are seeking to change the settlement terms to secure an exorbitantly higher settlement amount ( documented in writing ). 
- On XX/XX/XXXX, Patenaude fraudulently filed a judgment against me, alleging a breach of the settlement agreement. 
- The current amount proposed by Patenaude is double the amount that was agreed to in the original settlement agreement. 

I respectfully request an investigation into these matters and appropriate action be taken. I am willing to provide any necessary documentation to support this complaint. Please do not hesitate to reach out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulte from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOL Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENE to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUC consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEI to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of XXXX accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete the following items immediately!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulte from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOL Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENE to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUC consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEI to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of XXXX accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete the following items immediately!!

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 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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 am stressed and displeased that I see so many fraudulent accounts on my credit report. I've been filing several complaints and getting the same results. This is not FAIR!! This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately

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 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
All credit agencies have absolutely XXXX reason to help or fix an individuals credit report. Why would they care? They are looking for fraud, scams, and Companies to help. They lower your score is as an individual the higher rate you pay a creditor. They are all the same. Working together to insure job security! They are all a XXXX joke. I call it like I see it. Its ALL a SCAM!! The CFPB are the same. They do nothing but forward and send emails. Should you really think any agency cares if a date, amount, inquiry is wrong on our little insignificant report. XXXX No!

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 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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 am stressed and displeased that I see so many fraudulent accounts on my credit report. I've been filing several complaints and getting the same results. This is not FAIR!! This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
Between XXXX XXXX and XXXX XXXX a dispute was made with Transunion regarding a XXXX XXXX account that was on my consumer report. I demanded that it be removed as it violated multiple sections of 15 U.S. Code 1681, 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports15 U.S. Code 1681b - Permissible purposes of consumer reports15 U.S. Code 1681e - Compliance procedures. As of XX/XX/2023 said referenced account has been removed. As a result of the negligence of TRANSUNION, in their duty to furnish a accurate consumer reports, me and my household have suffered embarrassment and emotional distress as well as damages totaling over {$1000.00}. Attached is proof of claim.

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 2023-12-16 00:00:00
Product: Credit reporting 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: 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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX, Account name : XXXX XXXX, Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 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 2023-12-16 00:00:00
Product: Credit reporting 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: 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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX, Account name : XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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