vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-07 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I have membership with all three credit bureaus agencies XXXX, Equifax and XXXX. Who allow me to dispute incorrect information on my credit reports. I pay XXXX {$4.00} each month for credit plan, I pay Equifax {$4.00} each month for credit plan. I also pay XXXX {$24.00} each month for credit plan. I dispute student loan on my credit report that should be closed and not open. Because XXXX month ago I file complaint against XXXX XXXX XXXX XXXX. About me owing {$45000.00} in student loans. I feel I have been taking advantage. By me being XXXX man who was held back in not graduating with XXXX XXXX  degree. Who only borrow {$5000.00} student loans. It fraud. Something using to hold me back from accessing good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have membership with all three credit bureaus agencies Experian, XXXX and XXXX. Who allow me to dispute incorrect information on my credit reports. I pay Experian {$4.00} each month for credit plan, I pay XXXX {$4.00} each month for credit plan. I also pay XXXX {$24.00} each month for credit plan. I dispute student loan on my credit report that should be closed and not open. Because XXXX month ago I file complaint against XXXX XXXX XXXX XXXX. About me owing {$45000.00} in student loans. I feel I have been taking advantage. By me being XXXX man who was held back in not graduating with XXXX XXXX  degree. Who only borrow {$5000.00} student loans. It fraud. Something using to hold me back from accessing good credit.

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 2022-07-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: MN

Complaint narrative:
Edfinancial added a missing payment to all of my XXXX XXXX once they transferred. I missed three payments in XXXX due to XXXX XXXX failing to contact me about the end of deferment ( They had my XXXX address ). Now with the transfer Edfinancial added a missed payment for XX/XX/XXXX even tho I only missed XXXX, XXXX, and XXXX of XXXX. I'm just a poor XXXX XXXX old trying to buy a house for my family and XXXX XXXX XXXX  companies keep ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have been disputing inquiries that have shown up on my credit file on Equifax XXXX XXXX and XXXX since year XXXX. I have contacted all three credit bureaus and they consistently say that all inquiries remain factual and will stay on my file for XXXX years. 
I received a letter XX/XX/XXXX which stated all inquiries will remain and how some I listed arent even on my credit report, which is false which tells me they did not do a proper investigation. The documents uploaded below are screenshots from annual credit report.com which shows all hard, promotional and soft inquiries listed on my credit file. 
I now seek under my rights under the FCRA Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report and pertaining to an account or other relationship. 

I am requesting each credit bureau ( XXXX, Equifax and XXXX ) provide me with the name of the business representative they contacted in regards to the credit inquiries listed, the date they reached said representative, time of phone call, address of business and the representative name and phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: TX

Complaint narrative:
XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXXXXXX - No documentation of this its false needs to be removed XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX accounts above havrle 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 the 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 2022-07-07 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: TX

Complaint narrative:
XXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXX  - No documentation of this its false needs to be removed XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 XXXX : It also states the consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: VA

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers 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 or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers 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 or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bay Area Receivables, Inc
State: VA

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
Comenity Capital Bank subsidiary Bread Financial has been unreachable since XX/XX/XXXX. Can not log in to website. Can not reach a customer service person. The number just rings or hangs up on you. On social media, the only thing they are saying is they had a system update that took longer than expected. The only comments on XXXX that they respond to are the credit cardholders re : late fees being waived because they can't pay their bill. They are NOT answering questions to Depositors. I have asked about my C/D with concerns about needing to close it and receive my funds. I asked them in the form of comments on XXXX and in XXXX  XXXX and on XXXX, because you can't reach them otherwise. My C/D term is XXXX XXXX  and will auto renew first of XXXX if I don't close it before. I'm concerned about my funds and that they will try to charge " early w/d fees '' if I'm unable to close it before the auto renew. But more so, I'm concerned they no longer have my funds. There are no official press releases or communication from Bread Financial or Comenity Capital Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
my address is XXXX XXXX XXXX XXXX, MD, XXXX Kindly delete all old addresses.

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 2022-07-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I called XXXX around XX/XX/XXXX XXXX XXXX  and attempted to enter into a payment agreement. Per the attached statement they told me that my minimum payment due was {$96.00} and my payment was already reduced. They asked me how much lower I needed the payment. I told them that I could make the payment and asked if that would stop my account from becoming a charge off. They agreed that if I made the {$96.00} payment it would resent my past due amount by XXXX days and help me catch up. On XX/XX/XXXX I was notified that my account has gone past XXXX days and is charged off. The agents incorrectly read the last payment in the amortization schedule as the current amount due when in fact the payment due was {$310.00}. I was given incorrect information by the creditor which lead to the charge off. I also submitted more than XXXX research request and they refused to rectify the situation. I am requesting the charge off be removed from my account, and the payment history of the original loan be removed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: FL

Complaint narrative:
My husband and I had a loan consolidation in XXXX. Our loan was totally XXXX with a XXXX balance by XXXX 's long term & permanent XXXX discharge in XXXX. We finalized the 3 year monitoring in XXXX. However, I was taking care of a teenager and my XXXX XXXX father at that time. My husband received a student loan bill that was transferred from XXXX to AES for {$21000.00} in XXXX. XXXX years later we didn't know loan was paid off, so my husband, ( XXXX XXXX ) and I kept paying monthly payments to AES because were receiving an automatic monthly bank drafts from our checking in XXXX for the amount of XXXX to XXXX. Our loan was a fixed rate of 4.625 % and AES change from fixed rate to a variable rate without our consent. AES continued to bill us for the same balance as the original XXXX loan borrowed in XXXX and then it was paid in full in XXXX. We continue to pay AES XXXX from XXXX to present. The loan is currently in forbearance due to not owing this XXXX and we hope this loan will be resolved as soon as possible. I have all the credit reports, bank statement payments, original consolidation from XXXX, to XXXX estimated payoff letter of XXXX, XXXX XXXX. NO PROMISSORY NOTE of either reports, both my husband and I have a XXXX balance with XXXX XXXX. We are owed approximately XXXX in OVER PAYMENTS because we had automatic draft and assumed it was not paid off in XXXX AES XXXX states we still owe XXXX + XXXX in interest with it being in XXXX months forbearance due to a variable interest rate unbeknownst to us that AES XXXX to a variable rate, owing MORE than he originally borrowed in XXXX. This entire loan including the XXXX was paid in full in from XXXX to XXXX. How in the world could my husband owe MORE THAN the original loan borrowed from XXXX XXXX, XXXX years later!!.? Please contact me ( XXXX ) XXXX or the above email address. Thank you for your time and assistance. XXXX & XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: MARINER FINANCE, LLC
State: MD

Complaint narrative:
I had took out a loan with XXXX XXXX. I had payed off the loan amount. This company will not send my my final payoff letter or documentation. I was this resolved and also do not understand how they can do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. This account does not belong to me please remove 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 2022-07-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: IL

Complaint narrative:
I am getting calls that I owe a payday loan debt I dont know about.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I honestly no longer want to be in contract with bank. its predatory. they have charged off my car loan and continue to call me obsessively. I would like to get my title. I never received a copy of my title at all and when requested I was denied. here in XXXX we can not register the car without a title. I purchased the car in XXXX  and never got a title at all. I can't register my car therefore ca n't drive it. it's been over a year now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. Also, the name, address below listed on my credit report is not nor has ever been an address in which I resided and does not relate to me. It is the result of identity theft. I have contacted Transunion many times to have a solution to their inquiry issue and they have refused to remove or respond to my letters in time frame given.

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 2022-07-07 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX Account 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 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 2022-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc.
State: NC

Complaint narrative:
I was initially contacted by Avant on Thursday, XX/XX/XXXX. Initial contact was made by their fraud department to verify three charges that were flagged as suspicious. I identified all three charges as fraudulent and not made by me and they responded that they would research them further. Since then the charges have moved from pending XXXX accepted and now my account shows that I owe {$270.00} which was the total for all three fraudulent charges. These charges were all done in even amounts and seem like they were sent to individual people somehow. I called again the following day which was a Friday to confirm that the charges had been removed from the account and they advised me that they were still investigating. After hearing nothing I again called today XX/XX/XXXX to ask what the latest was on this case and was advised that I would have to pay for the charges and if they were found to be fraudulent they would refund my payment. This is unacceptable and as a result, I advise them that I wish to close my account. According to XXXX XXXX liability protection policy I should not be held responsible for unauthorized transactions and in this case, Avant is holding me responsible for transactions that were not made by myself. I did not make these charges on my card and am a victim of fraud and Avant is still making me pay for charges on this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: AK

Complaint narrative:
XXXX XXXX XXXX XXXX gave information about my account without my consent, to all three credit bureaus, which is against the law-15 U.S.C. 1681 section 602 A states I have a right to privacy ; no written instructions to be put 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 non-monetary relief