vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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:
I am a natural person, I am a living human being, I Have rights under 15 USC 1681. 
Equifax is govern by 15 USC 1681, And they have violated my right numerous times. I demand the account listed below ( # XXXX & # XXXX ) removed because, According to 15 USC 1681 : have the rights to the privacy and did not give Equifax written permission too furnish these accounts. 
( # 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

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, Account # unknown has violated my rights XXXX XXXX XXXXXXXX, Account # unknown has violated my rights US Department of Edu, Account # unknown has violated my rights Inquiries : XXXX XXXX Bank has violated my rights XXXX XXXX Bank XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency many 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 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: GA

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  Account # XXXX has violated my rights XXXX XXXX XXXX, Account # unknown 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 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency many 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 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: GA

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  Account # XXXX has violated my rights XXXX XXXX XXXX, Account # unknown 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 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency many 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 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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX Is showing I owed for XXXX for {$1100.00} and its showing on my credit Also XXXX XXXX XXXX is showing for XXXX XXXX XXXX on my credit for {$1100.00} and I have file police reports and nothing has been done and it remains 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 2022-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I had 11 withdrawals made at a XXXX XXXX ATM. Someone was able to skim my card and American Express Serve refuses to acknowledge and refund the transactions. I've filed a police report and have sent them supporting documents showing that I was at work when the transactions occurred. They refused to get a subpoena to access video footage. This has been going on since XX/XX/XXXX. They said there " investigators '' determined there was no fraud but no one knows who took money from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: MA

Complaint narrative:
XX/XX/2022. I sent a money transfer {$500.00} through XXXX and later canceled. They promised to refund me my money after 10 business days. After 10 days I called, texted and sent bank statements and photos as requested by them but till today no result. I think I have been scammed. 
Each time I request my refund, they keep playing me around circles and making false promises without my money refunded. I need help to collect my {$500.00} immediately. I am desperately in need of that money to support my family. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I missed one payment even though I had attempted to pay the balance in full the payment in question sadly got declined since that day Ive received a call every day at XXXX XXXX sharp leaving me a voicemail XXXX through 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 2022-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
Someone stole my identity to open a credit card with Genesis FS card services. XXXX XXXX XXXX XXXX XXXX XXXX 
I received a notice in the mail RE : XXXX XXXX XXXX @ Account ending in XXXX. 
I have never owned or received a Milestone credit card. 
The letter mentioned having to pay {$49.00} anual fee and a monthly fee of {$12.00}. 
Please, I would appreciate an investigation into this matter. 

Sincerely 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX, Experian and XXXX are reporting XXXX XXXX XXXX # XXXX inaccurately and incorrectly, Last reporting dates and Last active dates are different on all three major credit reports. ( See attached Screenshot ) My rights are being violated under the Fair Credit Reporting Act. 

Note : This complaint is NOT for verification, XXXX, Experian and XXXX must provide to me ( in writing ) paperwork showing 100 % VALIDATED proof within 45 days or they MUST remove this account from all three credit reports 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 2022-10-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK
State: UT

Complaint narrative:
Opened a savings account with Discover Online Banking using a promo code that promised {$150.00} bonus if account opened with minimum deposit of {$15000.00}. I did deposit the {$15000.00} and received and email on XX/XX/2022 stating the promo amount would be deposited to the account in approx XXXX business days. As of this date and time the bonus amount has not been deposited after several conversations with supervisors at Discover. I then found out that Discover can sell and trade my personal information as they see fit. As a senior citizen, I believe I was scammed into giving my SSN and other info for the benefit of Discover selling and trading my personal information and never did receive the {$150.00} promo bonus. I believe they are taking advantage of hundreds of thousands if not more seniors and non senior citizens personal information using this method. I have several instances of documentation where I was given incorrect and false information by Discover supervisors. 
Names and dates of the conversations with these supervisors can be provided.

Company response to consumer: Closed with 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Consumer law has been violated in accordance with15 U.S.C ss 1681s-2 ( B ), by continuing to furnish inaccurate information to my credit file after I have brought to their attention the inaccuracies of the information reported on the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ALL THREE CREDIT REPORTING AGENCIES repeatedly claimed verification of the account when its the accuracy that is in question. I will hold XXXX, Trans Union and XXXX liable for reporting this inaccurate account and pursue damages as permitted for violating my rights after I have bought the inaccuracies in detail to their attention. 

15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) IN GENERAL Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
Filing a complaint here as I don't know who to contact to get an answer. My loans were serviced by XXXX. I requested a refund on XX/XX/XXXX of my last payment made of {$21000.00}, made on XX/XX/XXXX during the payment pause. There was no activity from XXXX in months on the refund request. I finally get a hold of XXXX through phone and from complaint, and they tell me that my loans were transferred to Aidvantage and they don't have any additional information. 

So after receiving that information from XXXX, I contact Aidvantage and Aidvantage tells me that they don't even have a record of me on file. So essentially, my account information is lost or in limbo. Meanwhile, the deadline to request a refund on student loan payments is XX/XX/XXXX. I requested this refund back in XXXX! Now neither Aidvantage nor XXXX has my account and I can't login or view any information for either. 

Furthermore, I HAVE NOT received any communication, letters, information, emails, texts, phone calls, mail or anything from Aidvantage nor from XXXX to even let me know that they are my new servicer or that they have stopped being my servicer. Everything is being done behind closed door without my knowledge. Imagine if my bank transferred my information and accounts to another bank without my knowledge or communication. And then I also could not login to either institution and neither have information about my account. There would be some sort of liability there. But apparently these student loan servicers are not held to the same standards, duty, or regulation.

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: TN

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, Account # unknown has violated my rights XXXX XXXX XXXX, Account # unknown has violated my rights US Department of Edu, Account # unknown has violated my rights Inquiries : XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency many 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 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: TN

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, Account # unknown has violated my rights XXXX XXXX XXXX, Account # unknown has violated my rights US Department of Edu, Account # unknown has violated my rights Inquiries : XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency many 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Comenity Bank ( XXXX XXXX ). I have been charged late fees multiple times, even though I paid my bill on time. I am tired of Comenity Banks shyster business practices and decided to close my account. 
So I paid my balance online. Confirmed a {$0.00} balance. Made a phone call to Comenity, requested that the XXXX be closed ( you have to call them directly to close the account? ) So I sent screen shots of the XXXX balance and website comments to Comenity. Comenity sent a letter stating that I owe them {$90.00} even after I sent a screen shot of the XXXX balance.

Company response to consumer: Closed with 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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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: NJ

Complaint narrative:
In accordance with the fair credit Reporting act Equifax has violated my rights. 

15 USC 1681 Section 602 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 my written instructions.

15 USC 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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
I am working with the Florida XXXX  Homeowners Assistance Fund and was awarded 18 months of mortgage assistance with Amerihome Mortgage company which began on XX/XX/2022. However, Florida XXXX Homeowners Assistance Fund ( HAF ) repeatedly states they sent the XXXX payment to my servicer on XX/XX/2022, but my servicer repeatedly states they have not received it. The way the process works is that HAF sends the servicer one lump sum check with payments to be applied to each individual customer 's account, not individual checks. It has been almost a month and still no payment has been applied to my account. It should not take a month to receive/apply a payment. I had to borrow the money and make this payment myself today to avoid getting a 30-day late notice on my credit report. Please help.

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: DISCOVER BANK
State: NJ

Complaint narrative:
In accordance with the fair credit Reporting act XXXX has violated my rights. 

15 USC 1681 Section 602 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 my written instructions.

15 USC 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