vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: NY

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I was given a higher undesirable XXXX XXXX XXXX XXXX on XX/XX/XXXX and again XX/XX/2023. Both times LexisNexis provided a XXXX XXXX XXXX Report to XXXX XXXX XXXX that caused the high rate quote. LexisNexis has no way to get the report on the Internet stating to call them at XXXX XXXX XXXX Upon calling LexisNexis Recording states use the Internet Site. They pass me back and forth with no resolve. No human contact is possible at LexisNexis. LexisNexis lied to Federal CFPB and said they did not know me in a response in Case # XXXX and the employee ( name and phone number hidden ) at CFPB closed my case even thou I was given no opportunity to respond to the LexisNexis lies XXXX Likewise at LexisNexis, no name or contact information to the cubical, or even direct e-mail address, was given in the response given to CFPB by the LexisNexis respondent. Since the unknow employee at CFPB closed my case recklessly and prematurely I have no choice but to file another case in the hope that a different and more competent employee who does not hide their name and contact phone number to their office cubicle will get me my negative credit reports that LexisNexis gave to XXXX XXXX XXXX on XX/XX/XXXX and again XX/XX/2023. 
Once again, and XXXX XXXX at CFPB closed my case with no resolve. I do hope I am not using too big of words that CFPB Employees will not understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have negative items on my credit report that have been on there for more than 7 years & the credit bureau is not removing them. I also have a bankruptcy that is more than XXXX XXXX XXXX that needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting 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: AZ

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
See attached documents. Remove this personal information that does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
XX/XX/2022 {$2300.00} XXXX paid a collection agency called innovative Recovery ( XXXX ) XXXX EXT XXXX XXXX XXXX I went from a XXXX XXXX XXXX to a XXXX XXXX XXXX I now have no credit Asking for that information through this agency

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 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I submitted several disputes and letters to Transunion about 11 fraud/unknown inquiries that's on my credit file, Transunion is refusing to remove these inquiries that i didn't authorized, I have not allowed any company to run my credit file, this has been going on for the past 3 months, they are violating my rights as a consumer, under the FCRA, XXXX have asked them to provide me proof of the investigation and proof of my wet signature of me allowing these companies to see my file, Transunion have refused to send me proof or remove these inquiries,

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 2023-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I just started a new job at XXXX XXXX XXXX. My first paycheck was mailed to me as they werent able to set up the direct deposit in time. We are paid monthly and I just finished 8 years of training to be a physician and so my paycheck is much larger than before. I deposited the check Monday XX/XX/23 evening and it finally cleared this morning Wednesday XX/XX/23. Then a XXXX administrative hold was placed on my XXXX check. I called this morning and was told by the call center theres nothing they can do it was flagged as suspicious activity. I have bills to pay and am already behind because the check was mailed. This is my money from work and getting a paycheck from a hospital is not suspicious. I am being discriminated against because I used to make less money? Because of the way I look or my background? I shouldnt have to explain to the bank that I got a new job or a raise. I am going to have to get a consumer protection lawyer and waste precious time and money closing my account and suing them? Its ridiculous a bank can do this without any consumer protections. If Im late in my mortgage or other bills its just my problem?

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 2023-08-30 00:00:00
Product: Credit reporting 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: TX

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 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 item 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 2023-08-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: GA

Complaint narrative:
Credit reporting is voluntary Edfinancial Services never had my written consent nor permissible purpose to report these tradelines. XX/XX/2023 I received correspondence from US Department of Education that my borrower defense application was approved and my loans will be discharged and the tradelines will be deleted from my consumer report. The tradelines are still reporting and they are reporting inaccurate information. See more details in the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I contacted Newrez- Shellpoint that says it's a debt collector. I received a letter from Newrez-Shellpoint saying I need to start paying my mortgage on XXXX XXXX they put XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX on my credit report. I contacted the credit bureau and the credit bureau say it was correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting 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: TX

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 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 item 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 2023-08-30 00:00:00
Product: Credit reporting 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: TX

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 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 item 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 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: MA

Complaint narrative:
My student loan servicing company, Aidvantage, has had several issues over the last month. Listed below are my concerns. 

1 ) Current bill for {$77.00}. The first support staff I spoke with on XX/XX/2023 could not explain this charge and said it would be handled within XXXX business days but it was not. The second support staff I spoke with today said that it the charge is the difference between what I have been paying monthly while my loans are in deferment, {$520.00}, and what my payment will be once deferment ends, {$590.00}. The staff said this would be removed in XXXXbusiness days. While the delta makes sense, there is no reason to have a XXXX because the is/has been no payment due since my loans have been in deferment. Now if I want to make the {$520.00} payment on my loan while they are in deferment, the {$77.00} bill is going to get paid first as if it was something I missed, which can not be true. 

2 ) There were loans showing up in my account, with a {$0.00} balance, from a university, XXXX XXXX, which I did not attend. These were loans XXXX and XXXX. While these were corrected, I have no idea how the showed up in my account and am concerned about my social security number possibly being accessed by someone else. 


I am very much hoping that Aidvantage follows through with removing this {$77.00} bill that I am seeing but my situation has created a lack of trust in the student loan servicing company and I feel compelled to report this in case other people are dealing with similar issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was charged fraudulent by XXXX XXXX. I dispute this charge.But Citi Bank was unfair dealt with.XXXX  XXXX XXXX XXXX doesnt repair my car at all, But XXXX XXXX  company forced me to take out my credit card to pay in XXXX.I disputed $ XXXX XXXX  company threatened me.Citi Credit Card company was unfair in handling my dispute.

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 2023-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Continental Finance Company, LLC
State: MA

Complaint narrative:
I closed my account in XX/XX/2023 with a credit balance of {$67.00}. was promised it would be refunded in 7 days. Just got a statement on XX/XX/2023 with the balance still being held by them. Called on XX/XX/2023, they again said they would refund the money in 7 days, still not received refund.

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 2023-08-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Earnest Inc.
State: IL

Complaint narrative:
Requested options to lower payment and was told no options available, no forgiveness and rates higher than my current rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was scammed by someone claiming to be with Wells Fargo Bank and ended up having {$22000.00} wire transferred out of my account ( which I did not authorize ) and now Wells Fargo will not return my money.

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 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-30 00:00:00
Product: Credit reporting 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief