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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to the day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these terms within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to the day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these terms within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 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: UPGRADE, INC.
State: CA

Complaint narrative:
Few unauthorized charges happened on my account. I noticed them and reported them to upgrade ( issuer ). However, upgrade ( now ) wanted me to pay for the fraud charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: CA

Complaint narrative:
I recently opened a Checking Account with Discover bank, and it was working fine for the past few weeks, but when I logged into the mobile app today, it said that my account was locked and I would need to contact their customer support to have a resolution. I have been trying to call them every day for the past 3 days, but they have been saying there is a 3+ hour wait time. I tried waiting the 3 hours on 7 different occasions, and every single time the system automatically ended the call with no response on the other side. I have no choice but to file a complaint with the FDIC. I have all my money in that checking account, and Discover has disabled all access to that account & there is no support available to respond to lifting the freeze. I checked online, and MANY other customers are also experiencing this similar type of issue. No callback, no response from them. Please advise on how I will be able to recover my money from this dreadful institution, and go about banking with a different institution. Thank you.

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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 USC1681. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 


U.S. DEPARTMENT OF EDUCATION Account # XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 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: KEYCORP
State: AK

Complaint narrative:
I opened a secured credit card in XXXX with Key bank for XXXX XXXX XXXX the following year in XXXX I closed this card with a branch loan officer on XXXX XXXX in XXXX XXXX  They list the account as XXXX on the file with XXXX and XXXX and XXXX show a different number. I have disputed this for three years I closed the account in good standing with a XXXX  balance and they continue to show as a charge off with a balance of XXXX. I have sent letters documentation letter from loan officer who closed the account stating as I did in good standing and yet the Agencies ( credit reporting ) fail to correct this. 
This needs to be removed completely as this is not only false but severly damaging personally.

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 USC1681. 

XXXX Account # xxxxxxxxxxxx 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 a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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: EQUIFAX, INC.
State: GA

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 USC1681. 

XXXX Account # xxxxxxxxxxxx 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 a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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

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 USC1681. 

XXXX Account # xxxxxxxxxxxx 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 a account without my written instructions. 

15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This was not sent in error, I, XXXX XXXX am a consumer by law and my Information was misused and now I have some false not 100 % accurate accounts on my consumer report. Unauthorized use of 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 2022-07-10 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: AK

Complaint narrative:
I opened a secured credit card in XXXX with XXXX XXXX for XXXX XXXX dollars the following year in XXXX I closed this card with a branch loan officer on XXXX XXXX in XXXX Alaska They list the account as XXXX on the file with XXXX and Transunion and XXXX show a different number. I have disputed this for three years I closed the account in good standing with a XXXX  balance and they continue to show as a charge off with a balance of XXXX. I have sent letters documentation letter from loan officer who closed the account stating as I did in good standing and yet the Agencies ( credit reporting ) fail to correct this. 
This needs to be removed completely as this is not only false but severly damaging personally.

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: 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: AK

Complaint narrative:
I opened a secured credit card in XXXX with XXXX XXXX  for XXXX XXXX dollars the following year in XXXX I closed this card with a branch loan officer on XXXX XXXX in XXXX Alaska They list the account as XXXX on the file with XXXX and XXXX and Equifax show a different number. I have disputed this for three years I closed the account in good standing with a XXXX balance and they continue to show as a charge off with a balance of XXXX. I have sent letters documentation letter from loan officer who closed the account stating as I did in good standing and yet the Agencies ( credit reporting ) fail to correct this. 
This needs to be removed completely as this is not only false but severly damaging personally.

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: Experian Information Solutions Inc.
State: AK

Complaint narrative:
I opened a secured credit card in XXXX with XXXX XXXX for XXXX XXXX dollars the following year in XXXX I closed this card with a branch loan officer on XXXX XXXX in XXXX Alaska They list the account as XXXX on the file with Experian and XXXX and XXXX show a different number. I have disputed this for three years I closed the account in good standing with a XXXX  balance and they continue to show as a charge off with a balance of XXXX. I have sent letters documentation letter from loan officer who closed the account stating as I did in good standing and yet the Agencies ( credit reporting ) fail to correct this. 
This needs to be removed completely as this is not only false but severly damaging personally.

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 — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: ID

Complaint narrative:
To Whom This May Concern, I have been XXXX for 21 years and continue to attempt to qualify for a Public Service Loan program. I have applied at least three times in the last 10 years. 
I have made payments consistently for more than XXXX payments. I have paid more than half of the total I borrowed when I was going to school. 

I keep getting rejected but not once I have been told exactly what the problem is. Finally I was able to call the company for which I have standing debt and told me that the reason could be that I have consolidated them. 

During school my loans were Stafford loans, but a couple of years after graduation I consolidated them with XXXX XXXX XXXX I would like someone to call me and advise me about what route to take. I graduated in 2001 and I have worked for the same school district since that same year. I have paid constantly and never defaulted. I have had times of deferment because of financial situations at home. I then paid all interest and comply with their policies during deferment. 

I want to be able to have the opportunity of some part of my loan to be forgiven. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NH

Complaint narrative:
XXXX offered a promotion where they would give a {$25.00} credit to your first purchase if you sign up for their credit card. I purchased a XXXX XXXX  XXXX XXXX for {$190.00}? Then I set up a recurring payment in my bill pay. So I paid {$170.00} with the recurring payments until the payment purchase was complete. Shortly after I paid off the loan, I started receiving bills from ( XXXX? ) at the time. I explained to them that I satisfied the terms of the purchase, however they proceeded to harass me with requests for payment. They sold the phony debt to Midland Credit XXXX agency. Although I explained to them several times I have proof that I completed the terms of the loan, they played games with me. They would say, " We will suspend the demand for payment temporarily and let you know what to do. '' They refused to allow me to send copies of the bank statement showing the proof of payment. It's amazing to me how credit card companies can escape accountability for acting like their customers have not paid what they actually paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aqua Finance, Inc.
State: NY

Complaint narrative:
A company by the name of XXXX remodeling replaced the roof of my house through financing and took out a loan of XXXX with Acqua Finance. Only XXXX was used on the roof, materials were bought for XXXX and talent by XXXX XXXX. I explained this to Acqua Finance and I was told that there is nothing they can do since the dealership is not answering their phone calls and even though I showed them proof.

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: Navient Solutions, LLC.
State: RI

Complaint narrative:
I had Navient and the loans were discharged to me in 2006. I have gotten valid information that there was a multi state settlement reached for those serviced by this company. Navient Solutions had my loan transferred from XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX. They then had it and I have correspondence from them. I underwent a monthly payment program of consecutive payments, intended to help if successfully completed. 

I received a coupon book with the tear off portion, and I completed the number/cycle of payments successfully, but then things got confusing. There was a servicer transfer to XXXX, from Navient, as of current. This particular lawsuit against Navient, however, that several state Attorney Generals litigated for, and got compensation for is something that based on my circumstances, I am eligible for. 

However, to date, with trying to get to the right agency, there has been further confusion, because through all my efforts, I kept getting nowhere and where I'd contact would " pass the buck. '' I have correspondence from Navient that I can forward to demonstrate that I was under them before their transfer to another company. They were the ones under which they discharged the loans, and my account was overlooked and as such, I am requesting to be included in the lawsuit that was reached. I went to XXXX College, XXXX, Massachusetts and the loans were for that 4 year term. I would like to have the settlements benefits to its claimants based on my circumstances described in this lawsuit case that the states won. 

The fair outcome to my issue would be for my school loan and account to be the inclusion in the recent Navient settlement. I have corresponded inquiring about this settlement and this complaint is intended to have my case looked at, per the settlement. 

The name of my servicer was Navient, before it was transferred over, but want to be included in the lawsuit based on its merits/ details. I have contacted your servicer regarding this matter, and have reached out to the U.S. Department of Education regarding this issue, but to no avail. I would like your assistance on what steps to take, so that I'm able to be part of the litigation process that Navient was sued for.

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX and 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 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 2022-07-10 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: Revenue Enterprises, LLC
State: KS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX and 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 a account without my written instructions

Company public response: Company believes it acted appropriately as authorized by contract or law
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: EQUIFAX, INC.

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions.

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 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 explanation