vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Scott Fetzer Financial Group Inc.
State: NC

Complaint narrative:
I believe I have been defrauded by a predatory conspiracy between United Consumer Financial Services Company and XXXX XXXX XXXX I sought help from XXXX XXXX XXXX to assist with a tax bill dispute with the IRS for which I believe I have a legitimate Innocent Spouse defense. XXXX XXXX XXXX partnered with United Consumer Financial Services Company to provide me a high interest loan to pay its legal fees while providing little to no service. United Consumer Financial Services Company is a principal partner in the conspiracy, as without United Consumer Financial Services Company participation, the scam would not be able to occur. United Consumer Financial Services Company, in essence, provides the financial backing to the scam. In my opinion, the arrangement between United Consumer Financial Services Company and XXXX XXXX XXXX is a conspiracy to defraud. To defraud not only me, but the U.S. government as well : Monies I could have been paying toward my outstanding tax bill, have been diverted to United Consumer Financial Services Company and XXXX XXXX XXXX  This conspiracy is unfair, deceptive and abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have continued time in and time out to correct closed accounts account balances information being incorrect and each time its disputed its denied without properly reviewing particularly theres an account with XXXX  XXXX  that shouldnt even be on my report because the company did not follow the proper channels that the fair credit reporting act follows never received documentation never verified the debit was valid nothing even called the bureau today to see if I can get copy of the documents and no help so this is why Im filing this

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 2022-10-28 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: IL

Complaint narrative:
I sent Equifax a dispute letter to have the following inquiries deleted because I have never given authorization nor do I have any credit accounts or loans with the following companies : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: DE

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 7 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 non-monetary relief
Consumer complaint received 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I consumer XXXX XXXX have been trying to dispute the XXXX XXXX XXXX XXXX which status shows charge-off. I have submitted documents to the credit bureaus and this account is still on my credit dispute no known accuracy was proven. My rights are being violated as a consumer. This account can not be verifiable. If it can be verifiable please send me all documents to my address on my license attached to this file.

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 2022-10-28 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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
There are accounts still furnishing on my credit report as closed/charged off. Account needs to be removed and deleted from consumer report effectively immediately. 

I have a right to PRIVACY and a right to fair and equitable credit report. 

Under the definitions sections of the FCRA ( Fair Credit Reporting Act ) 15 usc 1681 a ( e ) defines the term " investigate consumer report '' ; which states the only way to verify information in a consumer report is to conduct personal interviews with neighbors, friends, or associates of the consumer. 

This definition also states such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer. 

According to XXXX5 usc 1681 c- requirements relating to information contained in consumer reports.

( a ) information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

please check with FCRA starts at 15 usc 1681 Truth in Lending starts at 15 usc 1601 FDCPA starts at 15 usc 1692 all of the above backs me up as a consumer to delete all negative items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account is older than 7 years from the XXXX delinquent date. However, another date is given as the original delinquent date.

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 2022-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP
State: HI

Complaint narrative:
An annual recurring benefit of the US Bank XXXX XXXX XXXX XXXX credit card is a {$100.00} software credit. Between today and XX/XX/2021, I performed my due diligence prior to purchasing a monthly XXXX XXXX XXXX XXXX - I called in and asked US Bank customer service to confirm that a monthly XXXX XXXX XXXX subscription would qualify for the annual software credit and multiple US Bank XXXX confirmed and assured me, on a recorded and monitored line, that this recurring purchase would qualify. Therefore, I put my trust into them and proceeded with the purchase. After XXXX consecutive months of purchases, I called in to inquire about the software credit. US Bank again assured me it would post, but that it can take up to XXXX extra billing cycles to reflect so I waited XXXX more cycles and still no credit was received. I called them back today and the first representative claimed this benefit does not even exist. Then I escalated it to a supervisor and they, too, initially claimed it does not exist until I provided a direct link to the advertised benefit. Then they changed their story to say that my purchase does not qualify due to the XXXX XXXX XXXX. However, I have multiple US Bank representatives confirming and reassuring me, over recorded phone calls, that I would, indeed, receive the full {$100.00} software credit. I understand that US Bank does not control the XXXX so if that is the case, they should not have representatives confirming and reassuring something that is not 100 % certain because that would be misleading and deceptive towards customers like myself. This could all have been avoided had customer service conveyed that they were not entirely sure that a monthly XXXX XXXX XXXX subscription would be eligible. If they relayed it to me that way from day one, then I would not have proceeded with this subscription in the first place. Please check the recorded call history as proof of my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: KY

Complaint narrative:
I am in a state program which is making payments to XXXX XXXX for my mortgage and every month they let it sit and don't apply it. They only investigate once I make a complaint. I should not have to do this, this should be applied more efficiently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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 XXXX has violated my rights. 

Account # 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 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 an 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 2022-10-28 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 XXXX has violated my rights. 

Account # 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  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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CO

Complaint narrative:
In XXXX, I faxed my PSLF application to XXXX XXXX XXXX as was written on my appication. I called a few days later to make sure they received it and was told that I needed to give 30-60 days for processing. In early XXXX, I still had not heard anything from them so called and sat on hold for hours without speaking to a human. I called back and the automated system asked me some information but just kept looping and never giving me the option to speak to a human, only suggesting I access my information on the the Mohela website. I went to the website and it said I did not have an account so I tried to create one. It would not let me create one because they said I do not have an account with them. So I called my XXXX XXXX, XXXX, and was told that the PSLF was switched to Mohela in XXXX and there was a different fax number than the one I had, originally, sent my application. So I faxed the application again to the new number, I even faxed a couple times just to be on the safe side. I tried calling again multiple times over the next few weeks and the same thing happened again where it asks info and then just keeps looping without the option of speaking to someone and referring me to the website. So on XX/XX/XXXX, I went to the post office and requested the quickest way to send with multiple levels on confirmation that it was received. I have tried calling again and the same thing. I tried calling the Federal Student aid number and sat on hold for XXXX minutes and then they hung up.The deadline for the PSLF app is XX/XX/XXXX and I can not get anywhere with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: ID

Complaint narrative:
My son passed away unexpectedly last XXXX. Upon contacting AES regarding his outstanding student loans, I was told to submit an original copy of his death certificate in order to determine whether or not they were forgivable as shown on the AES web site. The death certificate was not finalized until XXXX. I immediately expressed an original copy to AES for which they did not acknowledge receipt. 

Beginning immediately after my son 's passing and extending until the issue was settled, I received calls at my workplace from AES employees with no details. They would state the account was past due and ask for payment. I would explain my son had passed away and we were waiting for the death certificate. The callers would always promise to " ... make a note in the file. '' but the next week another employee would call with the same script. I also received form letters and e-mails with no specifics. 

XXXX telephone conversation resulted in copies of the loan documents being mailed to me. I did my own research and concluded the loans were privately funded and therefore not eligible for forgiveness. I paid the loans in full including added interest. 

Despite AES forcing me to recount my son 's passing weekly for several months, failing to acknowledge receipt of his death certificate, offering no help determining the loan status and being paid in full including added interest for the months they wasted, they chose to report me unfavorably to the credit bureaus. A request to AES to rectify the situation was met with the brainless response that their records do indeed show me paying late. 

AES may be on the cutting edge of automated loan administration, but their system is painfully stupid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: VA

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. 

XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX XXXX # XXXX has violated my rights. 


15 USC 1681 Section 602 A states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
There is a collection on my credit that is not mines the account was opened XX/XX/2022 I have never had there service

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
See letters sent, need personal info updated, and accounts with clear violations

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 2022-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am a victim of identity theft and someone tried to open several accounts online in my name. I have inquiries on Transunion and XXXX that these companies refuse to remove. I have attempted to contact the businesses, but additional help is needed. I was able to contact XXXX and had them remove all inquiries i didnt make.

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 2022-10-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/22 I mailed certified a personal information dispute requesting incorrect personal information be deleted from my report. Experian removed a portion of this incorrect information but not all. On XX/XX/22 I mailed certified once again another personal information dispute demanding inaccurate details be removed from my report. Experian has refused to remove this information or otherwise provide the required documentation as to their knowledge of truth in the personal information reporting.

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 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I consumer XXXX XXXX have been trying to dispute the XXXX XXXX XXXX XXXX which status shows charge-off. I have submitted documents to the credit bureaus and this account is still on my credit dispute no known accuracy was proven. My rights are being violated as a consumer. This account can not be verifiable. If it can be verifiable please send me all documents to my address on my license attached to this file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I consumer XXXX XXXX have been trying to dispute the XXXX XXXX XXXX XXXX which status shows charge-off. I have submitted documents to the credit bureaus and this account is still on my credit dispute no known accuracy was proven. My rights are being violated as a consumer. This account can not be verifiable. If it can be verifiable please send me all documents to my address on my license attached to this file.

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 2022-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I've had the Amex XXXX Card account for about XXXX years. 
I have my Social Security check direct deposit with Amex XXXXAmerican Express XXXX XXXX XXXX 
I am being charged XXXX  through an in-network ATM for an invalid PIN and or ATM Decline. 
I was not advised of such a penalty when establishing this account. 
I am requesting a {$36.00} refund. 
XXXX XXXX XXXX XXXX XXXX was used on these transactions.

Company response to consumer: Closed with explanation