vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-13 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: NY

Complaint narrative:
I sent letter out XX/XX/XXXX to XXXX, XXXX, and Equifax. Here is my complaint id XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 
According to the law 15 U.S. Code 1681 - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
COMENITYCAPITALBANK/XXXX, Account # XXXX has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Additionally, I exercise my right to opt out of any and all authorization I the federally PROTECTED consumer may have given COMENITYCAPITALBANK/XXXX whether it be written, unwritten, verbal and nonverbal pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than XXXX XXXX transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: WA

Complaint narrative:
This account is from a landlord trying to collect debt from past renters, but the renter was not me. The original company was called XXXX XXXX, and trying to speak with them about my identity being stolen and used to rent property with them was only responded with extreme anger and hostile threats by XXXX XXXX employees in XXXX Washington. The account is absolutely identity theft and I believe stolen by an ex boyfriend and his new girlfriend and they used my name to rent out of spite. I have tried constantly to fix this issue only to be treated like nothing I say matters. I've tried speaking with renters warehouse, and then it went to collections with Fair Collections and Out, and they have also been ignoring my requests and pleas. I'm not responsible for this account and I need it removed from my credit report. Because of it, I am unable to rent an apartment or get housing for myself and my daughter.

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 2022-12-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: MA

Complaint narrative:
After multiple emails back and forth trying to get clarifying information, I submitted a request for a refund for payments made on my student loans to Aidvantage on XX/XX/2022. Since then on multiple occasions I have asked for an update on my refund and been told it is still processing, despite having submitted this request over 7 weeks ago. I made XXXX payments during the student loan payment freeze, XXXX of which was a payoff payment and have not received a refund for either payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: GA

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 719XXXX has me at a score around 590. 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 XXXXThis 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 XXXX XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My credit card billing period closed on or about XX/XX/2022. On XX/XX/XXXX, I paid the balance of XXXX to lower the balance shown on my credit. Another charge posted overnight and the account closed for the month with a balance of XXXX. That day, I redeemed XXXX in rewards as a credit to the account and paid XXXX resulting in a balance due of XXXX for the that billing period. Today, a late fee of XXXX was posted to my account. After three calls to various representatives, my account still indicates past due and Bank of America has refused to remove the late fee. I believe that their explanation that a minimum payment of XXXX must be made regardless of whether the consumer owes anything is asinine at best. I am requesting that the CFPB assist me in getting the bogus late fee removed and preventing Bank of America from reporting my account as delinquent on my 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 monetary relief
Consumer complaint received 2022-12-13 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: NJ

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # 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 and purpose.

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 2022-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
Loan ending in XXXX LoanCare a division of XXXX. 

I received notice of return payment for the my XX/XX/XXXX mortgage payment with Loancare. I was incredulous as I knew that I had made a payment on XX/XX/XXXX using their " Paynow '' feature. I only have XXXX accounts with XXXX  that I registered with LoanCare to deduct my monthly payments from. Those XXXX accounts are the only XXXX accounts I have ever registered to make payments from. I do make payments on another entirely different mortgage to XXXX mortgage also a division of XXXX XXXX. Somehow my LoanCare account deducted a payment or I should say attempted to make a payment from the account I use to pay the XXXX mortgage. I have a 12 month payment history that all of my LoanCare payments come out of the XXXX XXXX  accounts. I spoke with customer service and they told me that a cross over payment could never have happened and that I should delete all my payment accounts with LoanCare and start over. My reply is if I never registered the bank account, then how could I delete it? I believe this is a technical glitch with their " XXXX '' feature. The web portals for XXXX and Loancare are obviously maintained by the same technology company as they are very similar. I am adamant that I would never make a payment from any other account I am now upset that my credit report has taken a hit for having a late payment. 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 2022-12-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
These inquiries do not belong to me and were run without my knowledge or permission. 

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

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 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In XXXX I sent XXXX letters with proof of identity to TransUnion asking them to remove the fraud alert from my account. When I did not hear back from them I called in XXXX times requesting the fraud alert be removed from my account. Every time I called in I was told to send specific information in the mail to them and they would take care of it. I sent the information in XXXX separate times after XXXX separate phone calls and they never removed the fraud alert. I have had no issue with removing the fraud alert from XXXX or any other credit reporting bureau.

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 2022-12-13 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Burden of proof on a disputed card transaction belongs to the merchant. I reported a duplicate charge to TD Card Services on XX/XX/2022. The amount of the duplicate charge was for an online transaction in the amount of {$23.00}. 

Credit card company is delaying the credit to my account. They continue to utilize mail services to correspond and make requests for faxed documentation to me, the consumer. Every other credit card company has a simple online dispute that can be filed and credit issued within XXXX or XXXX days. 

I explained that the transaction is a duplicate. If I send XXXX receipt to reflect my charge of {$23.00}, this proves nothing. There is no documentation to clear a duplicate that a consumer can provide. 

My complaint is that TD Card Services is not following current laws in providing immediate credit to my account. Consumer does not have the burden of proof in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX  now.with no help.

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 2022-12-13 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Today XX/XX/2022 During a recorded call with a representative From the dispute department at Experian, I was told that even as a federally protected consumer that they did not have to respect the laws 15 USC 1681B, 15 USC 6801, 15 USC 6802B, I was told no matter what the law says they were not going to remove the personal and private information exposure that theyve made me a victim to identity theft. They refused to remove the information provided as instructed

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 2022-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Attn : Customer XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom this may concern, I am writing to request the removal of unauthorized credit inquiry on my XXXX XXXX XXXX and TransUnioncredit report. My latest credit report shows XXXX credit inquiry that I did not authorize. 
I writing to dispute the following inquiries and asking for their removal from my credit report. 
Please have thisunapproved inquiryremoved from my credit report, please update me with a full report on your finding within XXXX days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2022-12-13 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: NY

Complaint narrative:
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Attn XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX To whom this may concern, I am writing to request the removal of unauthorized credit inquiry on my Equifax XXXX XXXX and XXXXcredit report. My latest credit report shows 1 credit inquiry that I did not authorize. 
I writing to dispute the following inquiries and asking for their removal from my credit report. 
Please have thisunapproved inquiryremoved from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Sequium Asset Solutions, LLC
State: IL

Complaint narrative:
First I get a collections message from XXXX I sued them and won Now they are sending the same from an account probably from a XXXX XXXX XXXX that they would not give info on Account from 2019 supposedly we paid some - we did not Now it is sequium Asset solutions Close these companies - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they make money hitting on innocent people- and people can not get jobs because of these XXXX- they call at noght they impersonate they send out collectors at your door - I signed nothing with these companies XXXX is an account they took my ss number address and they harass Move them to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: KS

Complaint narrative:
I closed my account on XX/XX/2018 with BB & T, because I moved to XXXX where there are no BB & T branches. 

I paid off a {$20.00} XXXX XXXX XXXX XXXX XXXX  I have tried repeatedly to close this account, and I have paperwork that says the account is closed, however when I pull up my credit report it says its open and in good standing. I have a letter from XX/XX/2018 that says it's closed. When I call BB & T now Suntrust, nothing changes, they say they will close it, but it's still open.

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