vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-17 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: EdFinancial Services
State: TX

Complaint narrative:
EdFinncial complaint On XX/XX/2023, I attempted to make a {$100.00} payment towards interest on one of my two EdFinancial student loans. In the Auto Allocate page, I marked that I wanted {$100.00} to be applied to Loan XXXX XXXX XXXX ( XXXX ). 

On the next screen ( XXXX ), EdFinancial changed the amount to {$53.00} from {$100.00}. There was no way to go back and XXXX ) change the amount to what was entered, and XXXX ) to change the amount to what was entered. 

EdFinancials third payment preview screen ( XXXX ) also showed the EdFinancial changed payment amount of {$53.00} instead of the {$100.00}. 

In attempting the payment of {$100.00} again to be applied to my loan XXXX XXXX XXXX, I was able to specify {$100.00} to be applied to that exact loan ( XXXX ). 

However, EdFinancial changed the payment split between the loans. Now, EdFinancial was keeping the payment of {$100.00} but forced the split between two loans ( XXXX ). XXXX XXXX XXXXXXXX XXXX does not have any interest owed. 

EdFinancial did take the second payment as {$100.00}, instead of {$53.00} from the first payment ( XXXX ). EdFinancial failed in having an account holder be able to pay specific amounts to specific loans in the amount specified by the account holder ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: USCB Corporation
State: OH

Complaint narrative:
IAM NEW IN XXXX XXXX AS A XXXX  FROM XXXX, I TRY TO BUY CAR AND CHECK XXXX XXXX..I FIND OUT XXXX COLLECTIONS ACCOUNT.ONE IS FOR XXXX DOLLAR AND ANOTHER IS FOR XXXX XXXXI DON, T KNOW WHY IT SHOW, S IN MY CREDIT REPORT WHICH I NEVER GET IT OR TRY TO PURCHASE IT.I WORK AT WAREHOUSE FOR XXXX HOURS, COME HOME AND GO BACK TO WORK AGAIN.THAT, S ALL I DO SINCE I ADMITTED IN XXXX XXXX AND HALF YEARS AGO IN XXXX XXXXCOLLECTION SAY XXXX XXXX XXXX XXXX FOR XXXX $ AND SPECTURM FOR XXXX $ .I REALLY NEED HELP ON THIS PLEASE.I DON, T KNOW WHERE TO GO, WHAT TO DO.IF ANYTHING, S NEEDED PLZ CONTACT ME AT XXXX, I HAVE EVERY PROOF PLZ.HELP THIS XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: PA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Accounts XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, 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 non-monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
I still can not access my credit report through the transunion website. They stated I submitted a dispute but that was through XXXX XXXX not Transunion themselves. I have been trying to get access for a very long 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 2023-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: CA

Complaint narrative:
XXXX  case # : XXXX ( deducted XXXX XXXX XXXX points ) never get adjust XXXX XXXX did removed incorrect delinquent history, but not late payment history, from my credit report. 
The late payment was a mistake and I reported it to XXXX XXXX. 

My credit score ( never NOR adjust ) after the delinquent history payment was removed. 

I disputed the late payment with the credit bureaus, but my dispute was not successful.

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 2023-07-17 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: CA

Complaint narrative:
XXXX case # : XXXX ( deducted credit score XXXX points ) never get adjust XXXX XXXX did removed incorrect delinquent history, but not late payment history, from my credit report. 
The late payment was a mistake and I reported it to XXXX XXXX. 

My credit score ( never NOR adjust ) after the delinquent history payment was removed. 

I disputed the late payment with the credit bureaus, but my dispute was not successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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: CA

Complaint narrative:
XXXX case # : XXXX ( deducted XXXX XXXX XXXX points ) never get adjust XXXX XXXX did removed incorrect delinquent history, but not late payment history, from my credit report. 
The late payment was a mistake and I reported it to XXXX XXXX

My credit score ( never NOR adjust ) after the delinquent history payment was removed. 

I disputed the late payment with the credit bureaus, but my dispute was not successful.

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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing this complaint to express my serious concern over multiple unauthorized inquiries on my credit report that have negatively impacted my credit score and my ability to acquire credit. 

The details of the unauthorized inquiries are as follows : XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry Dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX These inquiries were made without my knowledge or consent, which directly violates my rights under the Fair Credit Reporting Act. 

Such unauthorized inquiries not only have an adverse impact on my credit score, but they also raise concerns about potential identity theft or fraudulent activity tied to my personal credit information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 non-monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Talked to their fraud department they froze acct. I also froze all credit bureaus. But wanted to make u aware that someone has my info and is XXXX using it. One was in XXXX PA and one was in XXXX on XXXX XXXX. And now this one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: MI

Complaint narrative:
The following lender is violating my consumer rights by reporting inaccurate account information. I am requesting Validation ( Not Verifiaction ) of the following account : Account name : XXXX XXXX Account number : XXXX. This company has repeatedly reported a payment history every month for 12 months on a charged off account. The balance history of this account should have a status of " NO DATA ''. This account has affected my credit score due to the violation. Finally ; it is falsely manipulating the legal Statute of Limitations and misleading potential new lenders.

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 2023-07-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Forster & Garbus LLP
State: NJ

Complaint narrative:
I have a judgment against me for a private student loan with XXXX XXXX. There was a settlement that was entered on my behalf, but without my consent, they are trying to garnish my wages, and I have tried to resolve this numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Credit Karma, LLC
State: KY

Complaint narrative:
There were several occasions where credit karma guaranteed if I wasnt approved then they would pay me. This happened multiple times as I am trying to rebuild my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Account name XXXX XXXX XXXX XX/XX/XXXX, XXXX Theft by trick, Bank of America representative called my cell phone at XXXX XXXX  pst, said I was hacked by XXXX and XXXX XXXX was responsible for the fraudulent transaction, I had to transfer {$12000.00} and second transaction of {$3000.00} by XXXX XXXX secured transfer to clear up the fraudulent transaction. I sent the cash after withdrawing from my account. XX/XX/2023 same representative text me a federal letter from comptroller of the currency to confirm all that transpired XX/XX/2023. Then same person from Bank of America said my husbands XXXX XXXX retirement acct was hacked, and they wanted me to get out {$62000.00} from that acct. We then realized this all must be fraudulent as of XX/XX/2023. I then filed theft fraud complaint with my Bank of America manager in person, FTC, Ic3 FBI, XXXX XXXX Police dept, secret service homeland security. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reached out to Equifax on XX/XX/2023 asking them to investigate the accuracy of my credit report. I sent a formal letter via XXXX mail on XX/XX/2023 detailing the inaccuracy I wanted them to investigate. It has been over 30 days have I have not heard back from them or the creditor. Based on FCRA law and guidelines they are out of compliance for failure to respond to my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: NY

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Google Compare Credit Cards Inc.

Complaint narrative:
hi ive had my privacy breached by google they are giving me errors in my website and wont let me access any of these cards they are stopping me from deploying my cloud they have breached all my policies and contracts and committing fraudulant behaviour they are hiding my money and can i gfet this resolved please this has been going on all year i dont have specific dates but i have proof

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: FL

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: TX

Complaint narrative:
I signed up for a checking account based on a promotional offer that was advertised online. I met the necessary requirements to receive the advertised bonus, however, US Bank stated it was a direct marketing campaign and was only valid for targeted individuals. I believe this was intentionally deceptive advertising as I think any logical consumers would consider themselves to be targeted if it was advertised to them online. 

Below is the excerpt they stated disqualified me from receiving the bonus despite meeting the requirements : " This offer is valid for the intended recipient only and is not transferable. Restrictions may apply. Promotion code may only be used once. Bonus will not be paid if promotion code is retrieved by unintended recipient or if promotion code is retrieved from a deals website. '' I requested a review of my account which was decided on XX/XX/2023 when they stated I was not an intenteded recepient of the offer.

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 2023-07-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I pulled my credit report and found that Kohls has been reporting a balance of {$510.00} on a charged off account updated on XX/XX/2023 to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: TX

Complaint narrative:
I submitted a letter to the Credit Bureaus to delete these suspicious inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XX/XX/XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: SC

Complaint narrative:
the list of inquries listed below are a result of indenity theft i did not give premission to have my credit ran by these company i have rights and they have been broken please remove and send me how you investigate these inquries thanks 1 community credit on XX/XX/XXXX 2 equifax mortgage services on XX/XX/XXXX 3XXXX XXXX on XX/XX/XXXX 4'XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX please remove

Company response to consumer: Closed with non-monetary relief