vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. 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 2022-09-01 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: MO

Complaint narrative:
RE : Account # XXXX XXXX XXXX XXXX currently reporting to my Equifax consumer report has exceeded the Statute of Limitations for the State of MO.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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 2022-09-01 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: SECURITY FINANCE CORP
State: MO

Complaint narrative:
RE : Account # XXXX XXXX XXXX currently reporting to my XXXX Consumer Report. This account exceeds the Statute Of Limitations for the State of MO.

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 2022-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Clearview Resolution Services
State: FL

Complaint narrative:
Action demonstrated on the Org Date XX/XX/XXXX first contacted by XXXX XXXX XXXXXXXX XXXX XXXX on behalf of XXXX XXXX XXXX for {$950.00} Tribal loan? 
XXXX XXXX wouldn't mail me any validation of debt, I requested any " history information or bank information nothing was ever mailed to my address, but more calls from XXXX XXXX. 
I requested a copy of the contract agreement to be sent and nothing ever was sent to me once I filed this complaint. 
I sent a letter back to the Clearview XXXX XXXX regarding the same " debt '' that XXXX XXXX is trying to collect on. 
Then on XX/XX/XXXX I get a email from XXXX XXXXXXXX, XXXX, Status : Verification of Debt Account ID : XXXX Original Creditor : XXXX Open Date : XX/XX/XXXX NSF Date : XX/XX/XXXX Current Balance : {$950.00} I sent this email back to On Mon, XX/XX/XXXX, XXXX PM XXXX XXXX XXXX wrote : One last note I was a victim of Identity theft about 5 years ago. 
I placed a " fraud '' alert with the credit bureaus. I have never heard back from anyone until I got a " credit report alert from XXXX that " XXXX XXXX XXXX " place a collection of {$950.00} on my report. 


Actions taken by Me : I contacted the Division of Consumer Finance Office of Financial Regulation, in XXXX FL to ensure my rights as a consumer isn't being violated and my credit isn't damage from what the calls from XXXX XXXX indicated would happen and other ' threats '' XXXX XXXX, Financial Control Analyst was my Examiner of the complaint Complainant Name : XXXX, XXXX Complaint Number : XXXX Complaint Regarding : XXXX XXXXXXXX XXXX XXXXXXXX Examiner Name : XXXX, XXXX A Status : Closed Complaint Regional Office : XXXX

Company response to consumer: Untimely response
Consumer complaint received 2022-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Citibank checking account in XXXX. At that time, they had XXXX $ for depositing a large amount of money in the account. My account was funded the required amount on XX/XX/2022. In XXXX I asked the Citibank 's customer representative if I satisfied the bonus requirement and okay to withdrew fund for other usage. The representative responded yes and said explicitly that the bonus will still be delivered. However, after that, every single time I checked in with the representative and they kept delaying the bonus time. The last time I talked to them in XXXX them said I'm not eligible for the bonus because I withdrew the fund early. I'm furious and I hope you can help resolve this issue. Citibank is really a bad company to deal with, I probably will never have any relationship with them after this.

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 2022-09-01 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I do not owe Fair Collections and outsourcing for the debt that they are reporting on my credit report. This account shows as open on my credit report. I did not sign any contract with them. I am asking that this be deleted off 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 explanation
Consumer complaint received 2022-09-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this XXXX XXXX. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. 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 2022-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
At XX/XX/XXXX, Im trying to change USD to RMB, Im in a rush so Im sending help on social media, and a guy text me he can help with it, Im in a rush, he blocked me after I send XXXX $ through XXXX XXXX to him, I try to contact XXXX  and they said they could not help because Im under XXXX and they need my SSN, they could help me anyway either Im a minor, that is not fair, Ive contact them like ten times, they all said they could not cancel a transaction, so I contact bank for this, at XXXX XXXXThey denied my claim at XX/XX/XXXX and takes a month, everytime I called them four times and I get a completely different answer from every call and still can not solve my scam problem, they replace my card and saying that could help report a fraud, i call today and they said I could not get my money back.

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 2022-09-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
I sent a letter to XXXX XXXX XXXX XXXX, stating that in the " contract '' there were so many violation that I verified through 15 USC. I wasn't given the option to rescind, not documents were sent to me as the should pursuant to 15 USC 1635. The finance charge was disputed ad not being the sum of all charges as 15 USC 1605 was mentioned in letter. The contract states cash or credit not both. I paid a down payment of {$4000.00}. There is nothing on the contract about a cooling-off period, pursuant to 15 USC 1605 . The insurance was not included pursuant to 15 USC 1605. A email was received from XXXX XXXX ( XXXX XXXX ) XX/XX/2022, asking me to discuss my concerns. My concerns were clear in the letter sent and I asked that she reply to the letter. I then received a closed alert from CFPB and a response from Credit Acceptance. I then sent a email to XXXX XXXX XXXX of Credit Acceptance on XX/XX/2022. I later received a call from Credit Acceptance legal department asking me to call them which I returned the call and was told me " letter ' was received and they were reviewing it. At this point in all of this, I have been abuse, discriminated against, lied on and also taken advantage of by Credit Acceptance Corporation.

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 2022-09-01 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: TX

Complaint narrative:
Equifax you reported verified a violation you can not do that only the consumer can enclosed are my written request by law that you need to follow under the law exactly as per my request XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated
State: DC

Complaint narrative:
Recently around XX/XX/XXXX I checked my credit report to see what my score was and notice that I received a notification in the early part of XXXX. Upon checking the notification it mentioned a collection account that I have no knowledge of in addition have not received any notice that shall be sent pursuant to the FDCPA. Since I did not receive said notice, that is a blank violation of the FDCPA and this company is liable under 15 USC 1692k. This notice would have gave me an opportunity to dispute any information or dealings with this company prior to the negative item being reported on my credit report which is a violation of the FCRA. This item being reported is not only a intrusion of my privacy, a violation of federal laws, it as well ruining my reputation. Since my consumer rights have been violated I am forced to take legal actions via suit or the matter can be settled outside of court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/2016, I filed an XXXX XXXX XXXX # XXXX, # XXXX, with XXXX Bankruptcy XXXX XXXX XXXX XXXX, Texas. I was represented by a Law Firm. I contacted my attorney and requested my attorney to stop or dismiss XX/XX/2016. I was never informed that this XXXX XXXX XXXX  would be placed negatively on my credit report. I was never informed or counseled by my attorney that this XXXX XXXX XXXX would be placed negatively on 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 2022-09-01 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: AES/PHEAA
State: VA

Complaint narrative:
XX/XX/XXXX - Submitted a refund request for federal student loans paid in XXXX ( after the loan payment pause ) through XXXX to FedLoan Servicing. Customer service representative told me it will take about 2 weeks for the refund to arrive in my bank account. 

XX/XX/XXXX - called to check on the loan reinstatement and refund status. Customer service representative told me the Loan will be reinstated soon and the refund could take up-to 2 months. 

XX/XX/XXXX - my loan was reinstated on FedLoan servicing website. 

XXXX - I called to check on the timeline for refund as I need the money. The customer service representative mentioned that it could take up-to 150 days. 

I am concerned that the timeline for refund keeps going up each time I call and I dont think I would get the money ( but my loan has been reinstated already )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This was closed because it was not specific. I will make it specific. 

XXXX mortgage took over my account in XXXX. It was about 5 yrs old. The 30 year term ended in XX/XX/XXXX XXXX in other words, all payments were made at that time. HOWEVER- even though the contracted payments were all made, they still claim I owe 1/2 of what I started with after 30 yrs of payments. In XXXX of XXXX I was selling the property and trying to get a payoff from them. I didn't pay because the payments were all made. Why should I make payments on a mature loan? 

They reported me late XXXX -- you verify it and it comes back in a day. I want specifics. It is incorrect. Further its a cares act violation. I was involved in a forbearance and it was current so its illegal for them to report it late. 

All credit reporting and letters are forwarded to XXXX. how can someone in XXXX determine the laws of the XXXX for credit reporting? they just send the same documents and do not do anything -- but you accept them and do nothing to verify and that is why this complaint is coming to you. 

ACCT XXXX I will be pursuing this- trust me.

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 2022-09-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: DISCOVER BANK
State: NJ

Complaint narrative:
This complaint is regarding the {$25000.00} Education loan application, which has been canceled due to Discover service issues. This is causing me serious financial trouble since I have been told to re-apply for another loan, resulting in higher interest rates. 

I had applied for 2 Education loans of {$25000.00} each ( A total of {$50000.00} ) with different co-signers for the same loan period. My college certified/approved both of these loans, and they would be disbursed half in XXXX  XXXX and the remaining in XXXX XXXX. However, Discover cancelled one of the loans marking it as Duplicate.

Of the two loans I applied for, the cancelled loan was a lower fixed rate loan with fixed interest rate of 4.590 % while keeping the higher fixed loan open at 7.240 %. This deliberate action has been taken outside my interests and is selective and biased, to serve the bank 's interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: MO

Complaint narrative:
RE : Account # XXXX XXXX XXXX currently reporting to my Transunion Consumer Report. This account exceeds the Statute Of Limitations for the State of 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 2022-09-01 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 2022-09-01 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This was closed because it was not specific. I will make it specific. 

XXXX XXXX took over my account in XXXX. It was about XXXX XXXX XXXX. The XXXX year term ended in XX/XX/XXXX XXXX in other words, all payments were made at that time. HOWEVER- even though the contracted payments were all made, they still claim I owe XXXX of what I started with after XXXX yrs of payments. In XXXX of XXXX I was selling the property and trying to get a payoff from them. I didn't pay because the payments were all made. Why should I make payments on a mature loan? 

They reported me late XXXX  -- you verify it and it comes back in a day. I want specifics. It is incorrect. Further its a cares act violation. I was involved in a forbearance and it was current so its illegal for them to report it late. 

All credit reporting and letters are forwarded to XXXX. how can someone in XXXX determine the laws of the US for credit reporting? they just send the same documents and do not do anything -- but you accept them and do nothing to verify and that is why this complaint is coming to you. 

XXXX XXXX I will be pursuing this- trust me.

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 2022-09-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. 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