vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Are their bar members involved with the financial institutions known as consumer reporting agencies? Everyday identity theft is done by employees of the consumer reporting agencies that are in fact financial institutions because those employees illegal tender, transfer and pass off social security numbers for payment yet the consumers who are injured financially from such negligence along with their personal and professional reputation by way of private consumer transactions being reported with that Man or Woman authorization, written consent or permission to do. These crimes involves money laundering, unlawful racketeering, fraud, divest, barbarism, besmirch, bank fraud, trust fraud, interstate commerce without no contracts being tied to a Man as a protected consumer, securities fraud, constructive and fiduciary fraud by trustees acting as beneficiaries and administrators with express contracts in place.

Eye would like the names of the bar members so that I can prepare bar grievances to be filed 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 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX, [ mi ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/2004 ] [ XXXX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX XXXX XXXX Account Number : [ XXXX ] Reason : [ incorrect item on my account ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 

Sincerely, XXXX k 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 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
I have three accounts with Comenity ( Bread Financial ) that have not been accurately reported since XXXX of 2022. I have disputed this information with the credit bureaus and have yet to receive a response. It is showing I still have balances on these accounts impacting my score negatively. Today I have attempted to send a message and I keep getting an error saying there was a " glitch '' that my message couldn't be sent. One of the accounts has been closed since XX/XX/XXXX and they have not updated my report to reflect this either. Comenity also refuses to answer there phone lines it seems as I have waited hours multiple times to have this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12 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: NC

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 XXXX - - -No Data XXXX  XXXX XXXX {$32.00} XXXX  XXXX XXXX {$25.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX - - -No Data XXXX  XXXX XXXX {$37.00} XXXX XXXX XXXX  XXXX {$30.00} XXXX XXXX XXXX XXXX {$48.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX {$0.00} XXXX XXXXXXXX {$10000.00} {$260.00} XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX U XXXX {$860.00} XXXX XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX XXXX - - XXXXNo Data XXXX XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX {$5400.00} {$100.00} XXXX XXXX {$0.00} - - -No Data XXXX XXXX XXXX XXXX {$30.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX OF XXXX XXXX {$0.00} {$0.00} 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following 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 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have several complaints against Equifax that are still pending and open. My score just went up to XXXX points and now today dropped XXXX points with no reason giving. Every time I send in complaints against Equifax they are purposely dropping my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: FL

Complaint narrative:
I called EdFinancial Services on XX/XX/2022 to request a refund on my payments made during the payment pause. They told me there was no way to know when the refund will be given to me and that it will likely be no less than 90 days. They gave me no confirmation of my request and when I inquired about a written confirmation they said they can not provide that and that if I want to know the progress I'll have to keep calling them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Genesys National Recovery, Inc.
State: PR

Complaint narrative:
The debt collector called my coworkers, whom numbers was provided due to a referral documented I fill out at the gym. These numbers were referrals so they would also assist to the gym, it was not for them to collect a debt and they gave personal information to my coworkers about my debt. I told them that they were harassing my coworkers.told them not to call nor text them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Counsel, Inc.
State: FL

Complaint narrative:
on XXXX I received an email from XXXX XXXX who is an employee of Credit Counsel , Inc. for a dispute I have with my divorce lawyer. 

XXXX XXXX included my ex-wife in the email. 

I called to tell him this was illegal and he proceeded to tell me that he would do it all day long. 

The email had the attached letter below : Claim of : XXXX XXXX XXXX  Balance due : {$8500.00} Account No. : XXXX NOTICE OF PENDING CLAIM Apparently you have chosen to ignore your obligation to Credit Counsel , Inc . This letter informs you that unless full payment is made within ten ( 10 ) working days after the date of this letter, Credit Counsel , IncXXXX may choose to proceed with legal action against you or refer the account to an attorney in your jurisdiction for immediate action. 
It is Credit Counsel , Inc. 's intention to exercise any and all rights provided for enforcement of judgments. 
Credit Counsel , Inc. shall proceed with such action immediately when directed to do so by our client. It is urgent that you pay the balance in full within ten ( 10 ) days after the date of receiving this letter. 
You should immediately contact the manager at : Tel : XXXX XXXX Very truly yours 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 2022-10-12 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: GA

Complaint narrative:
I sent a certified letter to Equifax requesting that they verify inquires on my report. It was confirmed received on XX/XX/XXXX. I received a letter back reporting that they can not complete the request. 

The inquiries are from the following : XXXX XXXX Bank XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

XXXX XXXX Bank XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
I have been receiving bills from XXXX XXXX XXXX in XXXX XXXX, California & collection agencies for the past year for a medical bill totaling {$380.00} that is not mine. I am a student in college. The time the services was rendered in year XX/XX/2018, I was away in college at XXXX XXXXXXXX XXXX  in XXXX Texas. My grandmother, ( who past away last year at XXXX XXXX XXXX & I have similar names. I have reached out to XXXX XXXX health several times, sent emails as wells phone calls. No-one has responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: IL

Complaint narrative:
Requested refund for student loans a month ago, my request was not turned in properly. They have no record of the request. 
My balance remains the same and the refund has not been processed to my account yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: FC HoldCo LLC
State: GA

Complaint narrative:
XXXX XXXX ( Finance ) - XX/XX/2021 I did not authorize this hard inquiry that is on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: SC

Complaint narrative:
On XX/XX/2022, called US Bank inquire about promotional ExtendPay. The person I had talked could not give specifics on the terms and conditions on the said promotion. For example, for the minimum purchase of {$100.00} how may months is my option to ExtendPay or if I purchase an item, say, {$1200.00} ; what the available options for the extended pay. It the number of months will only be available upon purchase not before any transactions. Also, the US Bank associate said there is no fee but the website tells differently ; Split eligible U.S. Bank credit card purchases into budget-friendly payments with no interest - just a fixed monthly fee. Word monthly fee is not very clear.

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 2022-10-12 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: FL

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 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 Wrong address on my report as follow XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Also, my employer is also wrong. XXXX XXXX is not my employer. 

report has ALSO KNOWN AS XXXX XXXX which is not accurate. am XXXX XXXX and don't go by 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 non-monetary relief
Consumer complaint received 2022-10-12 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: AAA Auto Title Loans, LLC
State: AZ

Complaint narrative:
I am getting numerous and many calls everyday on this loan, which are harrassing and extremely disruptive to my work day. This company is also trying to take funds out of any account they ever used and trying to OVERDRAW my bank account. I have advised them that my finance status has changed. I can not afford to pay this loan at the amount they require me to pay which is accruing MUCH INTEREST everyday. I know I owe the money and am willing to pay this, but not at the original agreement ( other than to file bancrupty ). I want the excessive calls to stop, put the loan on HOLD for interest and fees, and give me a chance to catch up on the principal amount owed. They are unreasonable at this point

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-12 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: Aargon Agency, Inc.
State: NH

Complaint narrative:
In XXXX of 2022 I submitted a validation request to XXXX XXXX. I Never received a response. I then sent XXXX a letter to either validate the alleged debt or remove to it. XXXX did nothing. This is an FDCPA Violation, FCR Violation and HIPAA violation. Ive included the correspondence as well as the credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: WA

Complaint narrative:
RE : XX/XX/XXXX Late Payment I am requesting to please remove the delinquent payment that was applied to my credit score for the month of XX/XX/XXXX. The delinquent payment was due to a bank error and not delinquency. The following is the history and background of what transpired. 

XX/XX/XXXX - I made my XX/XX/XXXX online XXXX mortgage payment. On that same day, I made {$4500.00} deposit into my bank account to cover the mortgage payment and any miscellaneous first of the month transactions ( bank account should have been credited {$4500.00} instantly ). 

XX/XX/XXXX - XXXX attempts to pull funds from bank account and is denied due to insufficient funds. 

XX/XX/XXXX - Bank deposits money into account 48 hours late. The bank does not know why this mistake happened as the funds were supposed to be instantly available. 

XX/XX/XXXX - I realize the mistake the bank made in not posting the funds immediately while looking at my bank account online. I promptly correct the issue and make the XXXX payment. 

XX/XX/XXXX - XXXX mortgage payment is made. 

XX/XX/XXXX - Receive credit score alert that my credit score now has a delinquent payment due to our mortgage payment not going through. I quickly called my bank and was furious. They couldnt explain why the check was not automatically deposited into my account as was done several times before. They apologized and promptly refunded the NSF / Overdraft Fees that occurred during that time period ( making my account overdrawn and unable to process the mortgage payment ). They also apologized and said there was nothing they could do about the missed mortgage payment but said to contact XXXX, explain the situation, and show the refunded NSF/Overdraft fees as validation of the mistake.

My wife and I are both self employed. I am a consultant and my wife owns a restaurant. This is the first time a late payment has hit our credit report. The reason why we had to push our payment till the end of the month was my clients were late paying their invoices and the restaurant is always slow in XXXX. XXXX has very much impacted our finances but we pay our bills and have no desire to apply for forbearance. This payment should have gone through without any issues and its incredibly frustrating! We will be switching banks because of this mess, I understand mistakes happen but this could have major implications on my score for years to come if its not corrected. 

We respectfully and humbly ask for you to remove the late payment on our credit report due to the honest attempt to pay on time ( XX/XX/XXXX ), extenuating circumstances/mistake with our bank, and our flawless payment history. 

Thank you for your consideration. 

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 non-monetary relief
Consumer complaint received 2022-10-12 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: EQUIFAX, INC.
State: WA

Complaint narrative:
RE : XX/XX/XXXX Late Payment I am requesting to please remove the delinquent payment that was applied to my credit score for the month of XX/XX/XXXX. The delinquent payment was due to a bank error and not delinquency. The following is the history and background of what transpired. 

XX/XX/XXXX - I made my XX/XX/XXXX online XXXX mortgage payment. On that same day, I made {$4500.00} deposit into my bank account to cover the mortgage payment and any miscellaneous first of the month transactions ( bank account should have been credited {$4500.00} instantly ). 

XX/XX/XXXX - XXXX attempts to pull funds from bank account and is denied due to insufficient funds. 

XX/XX/XXXX - Bank deposits money into account 48 hours late. The bank does not know why this mistake happened as the funds were supposed to be instantly available. 

XX/XX/XXXX - I realize the mistake the bank made in not posting the funds immediately while looking at my bank account online. I promptly correct the issue and make the XXXX payment. 

XX/XX/XXXX - XXXX mortgage payment is made. 

XX/XX/XXXX - Receive credit score alert that my credit score now has a delinquent payment due to our mortgage payment not going through. I quickly called my bank and was furious. They couldnt explain why the check was not automatically deposited into my account as was done several times before. They apologized and promptly refunded the NSF XXXX Overdraft Fees that occurred during that time period ( making my account overdrawn and unable to process the mortgage payment ). They also apologized and said there was nothing they could do about the missed mortgage payment but said to contact XXXX, explain the situation, and show the refunded NSF/Overdraft fees as validation of the mistake. 

My wife and I are both self employed. I am a consultant and my wife owns a restaurant. This is the first time a late payment has hit our credit report. The reason why we had to push our payment till the end of the month was my clients were late paying their invoices and the XXXX is always slow in XXXX. XXXX has very much impacted our finances but we pay our bills and have no desire to apply for forbearance. This payment should have gone through without any issues and its incredibly frustrating! We will be switching banks because of this mess, I understand mistakes happen but this could have major implications on my score for years to come if its not corrected. 

We respectfully and humbly ask for you to remove the late payment on our credit report due to the honest attempt to pay on time ( XX/XX/XXXX ), extenuating circumstances/mistake with our bank, and our flawless payment history. 

Thank you for your consideration. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I am filing this greivance as I've exhausted all forms of communcation with XXXX regarding a sum billed for equipment that was turned in. I used to have cable and internet with XXXX XXXX XXXX XXXX XXXX I eventually stopped using the service and returned all requested equipment to a return store they have at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX. The company states they never received it and I have a collection of {$320.00} for none return of the equipment. I can't say why it was not updated accordingly on their side as I am not employed by XXXX to understand or have knowledge of how they process their updates. I do know that the equipment was in fact turned in and any sums owed were paid.

Company response to consumer: Closed with explanation