vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-02 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: PA

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 2022-11-02 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act these creditors have violated my rights under 15 USC code 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account with my written instruction under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act these creditors have violated my rights under 15 USC code 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account with my written instruction under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose

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 2022-11-02 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXXXXXX Acct # XXXX, XXXX XXXX Acct # 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
Consumer complaint received 2022-11-02 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: IL

Complaint narrative:
My complaint is against XXXX XXXX XXXX Bank ( XXXX ) and the 3 Credit Bureaus ; Experian, XXXX, and XXXX. XXXX has reported incorrect payment history on my consumer profile reporting that I was 30 days past due in XX/XX/XXXX and 60 days past due in XXXX of XXXX. However, my account was opened on XXXX XXXX XXXX, with the first payment due by XX/XX/XXXX. In XXXX I made my payment, bringing the next bill to be due by XXXX XXXX. A payment has to be 30 days past due before it can be reported as past due on my credit report, but on XX/XX/XXXX I was reported as 30 days past due already. How Can I be 30 days late in XXXX on a bill that is due in XXXX? I called XXXX and asked them to update the payment history. They explained that they could not make any changes on their end and the discrepancy would have to be disputed with the Credit Bureaus. The late payment statuses were hurting my credit so badly that I Submitted disputes of incorrect payment history to the 3 credit Bureaus. Experian ( online ), XXXX ( online ) and XXXX via written letter ( see attachment of dispute records ). I also called XXXX on XX/XX/XXXX and asked that If I were to pay the account off in full if they would remove and cease all reporting of this account on my credit profile. They accepted my terms, and I paid the account balance in full the next day ( see attachment of receipt ). 
The Credit Bureaus have failed to conduct a full and thorough investigation which is a violation of my consumer rights. Not only that, but per my credit report pulled in XX/XX/XXXX it's evident that the " In dispute '' remarks had never been attached to this account that I had disputed. Which is ANOTHER violation my rights under the FCRA. I have the right to an accurate and complete credit profile, but the data furnisher ( XXXX  ) reports inaccurate and inconsistent information between each of the 3 Bureaus. such as ; Payment history N/A on XXXX report XXXX and different payment history between XXXX and Experian, The date last active is also different between all 3 Bureaus, The high balance reported is also inconsistent ( see attachment on XX/XX/XXXX credit report ). How have they conducted a full and complete investigation and verified everything as accurate when this account clearly remains inconsistent and full of errors and violations? I want this account removed from my credit profile 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 2022-11-02 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:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # 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 2022-11-02 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # 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 2022-11-02 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:
Theres a collection reporting on my report, I have attempted to reach out to solve matter as I have no knowledge of this, I have also submitted a complaint towards the collection agency reporting as I have no knowledge of this nor do I know how this came about. Please remove this information. On one hand in the equidad website it shows there are no collections whereas in XXXX XXXX under equidad it is reflecting a collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
On or about XX/XX/2022, I pulled my XXXX reports and discovered a negative reporting account on all three credit bureaus. The account with NCB Management Services is being reported as a collection account, and this is hurting my credit score. I have made numerous efforts to locate and contact this company for validation of this debt. I have requested proof of this account and any contract documents signed by me, and I have not received one response. I have requested the amount of the alleged debt, the full name and mailing address of the original creditor for this alleged debt, documentation showing that the company is licensed to collect debts in Texas. THIS IS HURTING ME AND MY ABILITY TO PURCHASE A HOME. This item needs to be immediately removed from all credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX accounts have reported inquires that are not mine. 

Equifax XXXX XX/XX/XXXX XXXX has violated my rights. 
XXXX XX/XX/XXXX XXXX NOT MINE! 
XXXX XX/XX/XXXX XXXX NOT MINE! 
Equifax XXXX XX/XX/XXXX XXXX NOT MINE! 
XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX NOT MINE! 
XXXX XX/XX/XXXX EQUIFAX NOT MINE! 
XXXX XXXX XXXX XXXX  XX/XX/XXXX EQUIFAX NOT MINE! 

15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 section 2 : It also states a consumer reporting agency can not furnish an account without 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 times of information. any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: PA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2022-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MD

Complaint narrative:
I have been trying to get a refund of a student loan payment I made during the COVID-19 pandemic ( on XX/XX/2020 I believe ) for some time. I have reached out to my servicer- both my original servicer PHEAA, and the servicer my loans were transferred to, XXXX, multiple times via email. PHEAA just keeps telling my my loans were transferred, and XXXX doesn't respond at all. Today I tried to call PHEAA, and after selecting several options from an automated menu, I was instructed to hold. Then the line hung up on me after less than a minute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: OK

Complaint narrative:
On XXXX I reached out to TransUnion, XXXX, and XXXX and talked to XXXX from TransUnion, XXXX from XXXX, and XXXX from XXXX. They all told me to submit this report with a copy of my ID, Social, and Bank Statement proving my identity and my current address. The account that they are reporting is showing inaccuracies and inconsistencies and they are obviously reporting this illegally.

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 2022-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
PNC Bank has my 3Rd stimulus payment of XXXX after my checking account was supposed to be closed due to bankruptcy that I had no choice to file due to identity theft back in XX/XX/2021. I assumed my stimulus check would come to me by hard copy and mailed to my XXXX XXXX XXXX After I had not received my money from the IRS. I decided to call my old bank PNC to see if my money was sent there? Sure enough the customer representative saw that it had posted on XX/XX/2021 for XXXX with no activity on this old checking account after the money posted. I was then transfer to bank operation and told that the money had been posted and sent the direct deposit back to IRS. After many certified letters to the IRS and calls and a visit to PNC bank, I received a notice from the IRS that PNC would not corporate with the IRS. Also, the IRS letter stated that I should contact the PNC bank which I did and now the PNC bank stated that they can't find my money. I stated the name of employee and the date of who I talked to and was told the person no longer works for PNC Bank this was the person that stated that my money was sent back to the IRS. The back called me back and stated that they found my money in an amenity account. Again, they have changed their story stating I took the money out of this supposed close account. The bank can not produce a statement showing where the money was withdraw. After 5 more months this bank has denied me my money that the IRS sent direct deposit to a checking account that should have been closed back in XXXX when I filed for bankruptcy. I believe this is against the law.. These people that work for PNC bank are very vindictive and think this is no big deal.. They will lie, cheat, and steal my money to cover their XXXX. It took pnc bank 5 month to come up with a plan to redact statement for month of XX/XX/2021. Stating i withdrew the money which is a lie and they know this.. I asked to see the footage of me withdrawing the money they wont let me see the footage, furthermore I stated this so called withdraw was impossible due to me being out of town for XXXX in XX/XX/2021 and part of XXXX XXXX this problem is still going on, it will be 1year and 8 months they have kept my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Syncrony Bank/ Sams Club DC. Card was used to help purchase and automobile. Credit limit was {$4300.00}. Card went delinquent XX/XX/XXXX. Account was charged off or closed on XX/XX/XXXX. It has been over XXXX years since this account has been charged off. Called the company on XX/XX/XXXX to attempt to reach a settlement.I was told that the debt was now managed by a law firm and provided the name and the phone number of the law firm. Is my debt with Syncrony Bank collections? or the law firm? Also when I check my credit report the account date shows current as of XX/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 2022-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC
State: GA

Complaint narrative:
I received a letter from RentDebt Automated Collections that stated to call or write them by XXXX to dispute all or part of the debt. Their letter had a bottom perforated section I filled out to dispute the amount, which I mailed out on XXXX. I received no further correspondence and this debt collection company added the negative mark on my credit report on XXXX, after I wrote to dispute the debt amount. I then sent an email on XXXX asking why the debt amount was not validated as I responded to their letter before XXXX and checked the box to dispute the debt amount. They have not responded to my email from XXXX, today is XXXX. I have proof of the stamp purchase at the XXXX store to which I mailed the letter, I have also attempted to make numerous phone calls to which no one answers. I have a screen recording from today, XX/XX/2022 where I called 3 times that went unanswered. They dont seem to get mail or answer the phone, which is very suspicious.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
On XX/XX/2022 I received five emails from Bank of America to my old email address ( with my previous name ). I do not own a Bank of America account. I have never used Bank of America. 

The emails are basically as follows and were received within seven minutes total. 
1 ) Verify your email address ( they used an old email address and used my old name ) 2 ) Online Application is in Progress 3 ) Application was Approved 4 ) Welcome to Online Mobile and Banking 5 ) Email Address was updated All emails were forwarded to XXXX XXXX  XXXX When I attempted to call, bank of america would not allow me speak to any representatives because I don't have an account there ( which, duh, I'm calling to say someone opened an account without my knowledge! so of course I don't have the account information! )

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 2022-11-02 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: GA

Complaint narrative:
My loan servicer is EdFinancial. I called to request a refund of {$20000.00} towards the end of XX/XX/2022 since I paid my loans in full already. Theres no way for me to see any confirmation or updates unless I call. I called today ( XX/XX/XXXX ) and they said my refund has not even began to process. They were telling people it can take up to 150 days to process, but now are saying its up to the feds to process them. Meanwhile other loan servicers are processing refunds within 30-45 days, and mine has yet to even start processing or anything show up on my account. I cant afford to pay payments/interest when they start back up in XXXX. Why does edfinancial take so long while other servicers are quicker?? They seem very disorganized and dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
Never had any knowledge of the account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have one address all my life and that address is XXXX XXXX  XXXX XXXX XXXX Florida zip code XXXX if their is any other address associated with my name it is false and needs to be removed from my credit report I believe this to be fraudulent information that is hurting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX and Experian did not dispute what XXXX provided, all documents are below explaining everything.

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 2022-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a 7 year fixed mortgage through Chase that re finances in XXXX on XX/XX/XXXX they sent me a note that per the terms of the loan it would not go up more than XXXX points and would ne fixed at 4.875 for a year. I reached out to them a XXXX XXXX and she confirmed that was the case I just received a notice in the mail ( similiar in format ) dated XX/XX/XXXX saying that my new rate will be 7.5 % as of XX/XX/XXXX. 
I feel I was fraudulently misled intentionally to make a greater profit by Chase Had they been honest in XXXX and told me their absolute intentions i would have re financed then into a much lower rate than 7.5 %! 
I knew rates would change just not to the extent they are now saying!!

Company response to consumer: Closed with explanation