vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
XXXX is furnishing multiple student loans on my consumer report for {$67000.00}, {$10000.00}, and 9 accounts with a {$0.00} balance illegally without my consent. 

Pursuant to 15 USC 1681 ( 3 ) Congress makes it clear that XXXX has assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

Pursuant to 15 USC 1681a ( 4 ) XXXX didn't exercise their grave responsibility with fairness, impartiality and respect for my rights to privacy. 

Pursuant to 15 USC 1681 ( a ) ( d ) ( 2 ) ( A ) ( III ) XXXX violated my consumer rights because they never gave me a chance to confirm nor deny if a consumer transaction ever took place they just assumed it did. 

Pursuant to 15USC1681b ( 2 ) XXXX violated my consumer rights because I never gave them written consent to furnish anything on my consumer report. THIS IS IDENTITY THEFT. 

Pursuant to 15USC 6802 ( b ) ( 1 ) ( a ) my consumer rights were violated because I was never given the clear and conspicuous disclosure that I can Opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
On XX/XX/2022, contacted Fay Servicing , LLC regarding contract term that is reflected for 48-years maturing XXXX. However, I believed the agreement to be for 40-years maturing XXXX, that is eight ( 8 ) year term difference, I included the loan number XXXX for reference. On XX/XX/2022, Fay Servicing , LLC communicated not able to find my records with the information provided ( loan number XXXX ) and requested I send the name on the account, last four # of ss, and address of the property, which I forwarded XX/XX/2022. I also explained to Fay Servicing why couldn't find account with the loan number that is XXXX, so I resent the full loan number XXXX. This is the third situation with Fay Servicing , LLC that makes me wonder of business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-08-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I had applied for and was granted a forbearance on my XXXX student loan accounts through Navient during XXXX, as they were not the normal automatic federally stopped accounts. Both were granted, yet one is showing correct while the other continues to show a 90 day late ( which was during the forbearance period. ). I do not have the communication to prove it, as Navient deletes the online correspondence after 1 year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: CA

Complaint narrative:
The US Department of Education says I acquired a student loan of {$13000.00} in XXXX of 2007. I did not. No mono was requested or received for education as a loan or grant. I was not attending any college, university or trade school. I was not a student at this time.

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 2022-08-09 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: CA

Complaint narrative:
The US Department of Education says I acquired a student loan of {$13000.00} in XXXX of 2007. I did not. No mono was requested or received for education as a loan or grant. I was not attending any college, university or trade school. I was not a student at this time.

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 2022-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On Sunday, XX/XX/2022, I was trying to buy tickets for a XXXX game from someone on XXXX and it turned out to be a scam. Unfortunately for me, I did not know it was a scam until after I sent the money through XXXX using my PNC Bank account. I never got the tickets, and can no longer get the person who emailed and texted me to respond. I know it is a scam the more I have looked into it. I need someone to help me get my {$480.00} back. I contacted PNC within an hour or so of the transaction and they said to call back and dispute once the transaction had posted. It posted today so I called PNC back and they told me there is nothing they can do. Not exactly the answer I was looking for. Please let me know what I can do to try and resolve and get my money back from this scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax has violated my Federally Protected Consumer Rights by furnishing inaccurate information on my consumer report without my consent. 
Equifax, did not exercise their grave responsibilities. 
They were unfair, partial and did not respect my rights to privacy. I never instructed Equifax to furnish this report or create this report, I NEVER CONSENTED TO THIS REPORT IN THE FIRST PLACE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
AS OF XXXX XXXX HAS FAILED TO DELETE THE 5 INQUIRES ON MY CONSUMER REPORT AS WELL AS TO UPDATE THE ACCOUNTS WITH AMERICAN EXPRESS REPORTING ACCURATLEY IT WOULD STATE THE THE PAYMENTS WHERE MADE AND CURRENT AS IT DOES WITH XXXX. ALSO XXXX I HAVE SUBMITTED THE DOCUMENTS PERTAINING TO THE DEFERMENT AND I HAVE NOT SEEN AND UPDATE IN THE CREDIT REPORTING AT ALL ITS SHOULD STATE THAT I WAS NEVER LATE AND CURRENT I AM CURRENTLY IN DEFERMENT AND WAS AT THE TIME OF THE ACCOUNT BEING REPORTED LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
AS OF XXXX TRANSUNION HAS FAILED TO DELETE THE 5 INQUIRES ON MY CONSUMER REPORT AS WELL AS TO UPDATE THE ACCOUNTS WITH XXXX XXXX REPORTING ACCURATLEY IT WOULD STATE THE THE PAYMENTS WHERE MADE AND CURRENT AS IT DOES WITH XXXX. ALSO XXXX I HAVE SUBMITTED THE DOCUMENTS PERTAINING TO THE DEFERMENT AND I HAVE NOT SEEN AND UPDATE IN THE CREDIT REPORTING AT ALL ITS SHOULD STATE THAT I WAS NEVER LATE AND CURRENT I AM CURRENTLY IN DEFERMENT AND WAS AT THE TIME OF THE ACCOUNT BEING REPORTED LATE.

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 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account, XXXX account numbers XXXX and 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.

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 2022-08-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc.
State: NC

Complaint narrative:
I had a Loan through Moneylion that went XXXX of XXXX till XXXX of XXXX. The loan was reported closed and paid in XXXX of XXXX to all credit bureaus and I opened another small loan with Moneylion. In XXXX of XXXX. Last week I keep getting reports that I was a payment behind on my loan despite being on time and accurate with the loan. When I asked moneylion what the issue was the claim that I missed a payment in XXXX of XXXX on the past loan and that is what was causing the issues. I informed moneylion that it is almost a full year later. I have opened another loan, The loan is closed and reported as paid and have had no issues. They claim the amount was returned and they never received full payment now. Although it show that I paid them 25 payments of {$19.00} totaling around {$490.00}. I informed them that I would pay the {$4.00} missing but I would not pay any interest on a closed loan that they created error on for almost a year. Moneylion is now hold other service including use of banking service until I pay them the {$19.00} on the closed loan. Attached you will see my credit report showing the loan paid reported as paid on time and closed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have submitted several letters to all 3 credit bureaus- XXXX XXXX TransUnion XXXX and XXXX disputing this Account with ( XXXX- credit card ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. 

This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and XXXX XXXX XXXX XXXX-credit card ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.

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 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-08-09 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: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 2022-08-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I received a letter dated XX/XX/2022 stating that my 18 MONTH CD with Synchrony Bank would mature on XX/XX/2022. I called a few days later and requested from XXXX that the CD not be renewed, that I want the money deposited in my checking account. She assured me it would. When the money didn't arrive in my account, I called again on XX/XX/XXXX and talked to a man, XXXX, in XXXX, who told me there was a security hold on my account ( that I had placed on a savings account years before I opened the CD account ), and that he would have it removed. He put me on hold and never came back. On XX/XX/XXXX, I called again and spoke to XXXX who assured me she would have the security hold removed and I would receive the money. When that didn't happen, I called XXXX on XX/XX/XXXX who said the same thing XXXX did. I told XXXX that if I didn't receive the money, I would report Synchrony Bank. Four business days later, I still have not received the {$15000.00} ( balance as of XX/XX/XXXX ) that is the CDs worth.

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 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have negative remarks on my report that I do not recognize and are unverified. I contacted the bureaus and creditor to validate and I have not received any notification or validation. I was informed that they would investigate this within 30 days. 

Please assist with me with this matter. 

TRANSUNION XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified account Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Unverified account Account Name : XXXX XXXX XXXX XXXX XXXX XXXX ) Unverified account Account Name : XXXX XXXX XXXX XXXX XXXX XXXX ) Unverified account Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : The payment history is incorrect. Late payments from XX/XX/XXXX were all on time. 

Account Name : XXXX I don't recognize this account Creditor Name : XXXX XXXX Inquiry XXXX : XX/XX/XXXX don't recognize this inquiry Creditor Name : XXXX XXXX XX/XX/XXXX XXXX : I don't recognize this inquiry XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX PA XXXX Unverified account Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 


Creditor Name : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I don't recognize this inquiry XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  ) Unverified account Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Unverified account Account Name : XXXX XXXX XXXX XXXX XXXX XXXX ) Unverified account Account Name : XXXX Unverified account Account Name : XXXX XXXX. 
Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX were all on time. 


Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX I did not authorize this inquiry

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 2022-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
Sequium Asset Solutions repeatedly calls me regarding credit-card debts that I've long-since paid off or do not owe. They've been hounding me regarding unpaid debts owed to XXXX  from the early XXXX, and I've made it clear to XXXX that I've already paid off those amounts long ago. I've nonetheless received numerous calls at inappropriate hours from a silent robot who then connects me to a phone-operator. They then proceed to utilize identifying information in order to determine if I am the correct party that owes them a debt. 

This is irresponsible, dangerous and utterly unacceptable that they are offering my name and phone number out to strangers to find out if the number they've dialed belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have been trying to get a hold of Bank of America for 3 weeks to resolve fraudulent charges on my card. This card was never activated and the charges are identical in nature after three rounds of canceling and reissuing a card card. 
Charges are coming from XXXX. 

There must have been a massive data breach that was not shared with customers. 

I know of other people affected in the same way by Bank of America.

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