vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Allied Enrollment Centers LLC
State: PA

Complaint narrative:
I have a student loan through XXXX and I was in the process of restarting my loan payments. I called the number for XXXX and I was connected to a company called Allied Enrollment and I thought that I was dealing with a company that was affliated with XXXX and that my student loan payments would be credited to XXXX. A few weeks ago Allied called me and advised me that they would need access to my XXXX account. I advised them that if they are affliated with XXXX that I should not have to get them access. They already debited XXXX  months from my bank account in XXXX and XXXX for XXXX. I did not feel comfortable about the situation so I told I would not give them access to my XXXX account. I recently received email from XXXX that advised me that they had not received any payments toward my loan. I want the company to refund my payments since they do not represent XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
I purchased my car XXXX months later my motor blew in my car. I asked that they come get the car because its just sitting and my missed payments are going up. I told them the car went out in XXXX months no way this car was in good conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XXXX XXXX ( comenity bank ) has me owing them {$2100.00} for purchased items i did not buy. Disputed and refused to remove. Collecting illegally. Adding to XXXX  now on top of it after i filed another dispute on XXXX  as retaliation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
Amex Bank makes it very easy to open an account, but apparently very difficult to take money out of an account. I have been trying to link my primary checking account at another bank to my XXXX at Amex Bank for over XXXX weeks. I want the flexibility to take money out of the account when needed. There is an opportunity to link an account online, but it doesn't work. I was told that there is a glitch in their software that they are working on, and that I would have to submit a form to link the Amex account to a checking account I have at the other bank. They told me that would take XXXX business days to process. I submitted that form over XXXX weeks ago, and still my Amex XXXX is not linked to my checking account at my primary bank. I talked to a representative over phone, and she told me that they were not allowing linked accounts at the moment. I told her that was unacceptable, and contrary to the website statements, and that I wanted to talk with a supervisor. She took my phone number and said a supervisor would call me within XXXX days. That was XXXX days ago. This is really terrible, that I basically don't have access to my XXXX at Amex Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
See all XXXX letters I have attached

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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit. Account # XXXX XXXX, has violated my rights. 

Are you familiar with something called 15 U.S.C Sec. 168i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX percent right and correct, So, would you please check on these and get back to me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to compete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them The credit bureaus stated my account was properly investigation but how is that possible if the status update is different each bureaus, all XXXX bureaus payment history is inaccurate, and past due amount last reported is are all different and not correct its showing different account types on all XXXX bureaus swell which This is ground for removal they also violated my rights under, 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 ACT S 611 ( 15 U.S.C S1681 15 U.S. Code 1666 - Correction of billing errors STATES CONSUMER CAN NOT REPORT LATE PAYMENTS AFTER PAID IN FULL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NAME & NUMBER : LISTED BELOW XXXX DEPARTMENT XXXX XXXX - XXXX ( EQUIFAX ) XXXX XXXX - XXXX ( XXXX ) XXXX creditor : XXXX XXXX XXXX XXXX XXXX UNI THESE ACCOUNTS NEED TO BE DELETED BECAUSE THEY HAVE DELETED OFF MY OTHER XXXX BUREAUS XXXX & XXXX AND XXXX & EQUIFAX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting 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:
on XX/XX/23 I received the results of my recent dispute regarding the account XXXX XXXX XXXX XXXX This account was deleted but it was placed back on my consumer report without me receiving any documentation on why. This account is reported inaccurately and It should not have been placed back on my report that's why they deleted it in the first place. 
XXXX XXXX This account has never been verified by the data furnisher after countless attempts to contact the source they have not provided any evidence of the debt bearing my signature. 
XXXX This item states that it has never been disputed in which I have sent countless dispute request for validation of this debt as well. These items are causing extreme damage to my consumer report and I request your immediate attention to this matter.

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 2023-12-21 00:00:00
Product: Credit reporting 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:
on XX/XX/23 I received the results of my recent dispute regarding the account XXXX XXXX XXXX XXXX This account was deleted but it was placed back on my consumer report without me receiving any documentation on why. This account is reported inaccurately and It should not have been placed back on my report that's why they deleted it in the first place. 
XXXX XXXX This account has never been verified by the data furnisher after countless attempts to contact the source they have not provided any evidence of the debt bearing my signature. 
XXXX This item states that it has never been disputed in which I have sent countless dispute request for validation of this debt as well. These items are causing extreme damage to my consumer report and I request your immediate attention to this matter.

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 2023-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: OR

Complaint narrative:
Original debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: DISCOVER BANK
State: FL

Complaint narrative:
Initially, I was shopping for HELOC products without running my XXXX XXXX and checked a few lenders, including Discover XXXX XXXX. 
When I received the call from the Discover 's representative XXXX XXXX XXXX ID # XXXX on XX/XX/23, he stated that Discover could do a no appraisal loan based on the XXXX, which he checked the value as XXXX. 
The representative provided the rate based on the soft credit and then requested that I release my credit, which could be FCRA violation. I was very clear about the fact that I needed to make sure that everything that he was stating was correct, and he said yes, it was. As a result of the promise from the Discover associate, I have released my credit freeze and allowed Discover to run my XXXX XXXX. The commitment, however, was not fulfilled because I was told after the fact that I needed a drive-by appraisal, which I was not told about initially. 
Furthermore, after the drive-by appraisal, I was told that I needed a full appraisal, which could be considered a total bait and switch from the initial phone call. 
I requested from Discover to listen to the phone call at the time of the application but received no response. 
I am requesting from Discover to make it right for me and provide the loan based on the original agreement. I will get the loan based on the value and 80 % XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is a follow up. It's been 30 days and still no result. Under federal law, you have 30 days to complete your reinvestigation. 

On XX/XX/XXXX I wrote to you requesting an investigation into items that I believed were 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (XXXX XXXX XXXX); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TRANSUNION is in violation of my consumer rights. 

List of Violations : Pursuant to the privacy act of XX/XX/1974 it states no agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to written request. 15 USC 522A 15 USC 1681b permissible purposes of consumer reports Pursuant to 16 CFR 313.7 privacy of consumer financial information 15 USC 6801 protection of non public personal information I would also like to opt out under 15 USC 6802-6805 obligation with respect to disclosures of personal information.

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 2023-12-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
I have applied for the SAVE repayment plan with Aidvantage now 4 times. Twice online and I was not given the opportunity to provide my husband 's loan information. After receiving a confirmation of SAVE monthly repayments more than double what my payment had been monthly, I called. I spoke with a human and applied again for the SAVE with them providing my spouse 's information. I was told my payment would be around XXXX XXXX. A few weeks later, I called again to make sure this application was still being processed and was told yes, and the same monthly amount. I emailed about a month later and the reply was that they'd already approved it and my monthly payment would be more than XXXX XXXX. I called again, and was told when the last person I spoke to applied they must not have used my spouse 's information. She also stated that the account would also automatically have forbearance extended since I have a SAVE application outstanding. I have yet to receive this application 's process confirmation, but I still have a payment due over XXXX on XX/XX/XXXX. I am now also accruing interest now because of their incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
A request was submitted multiple times to have this inaccurate reporting removed from my credit report. The furnishers of information responded claiming this account was accurate, however I am not liable for this debt with XXXX XXXX  for {$1400.00}. I do not have a contract with Midland Funding LLC and they did not provide me with the original contract as requested. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4. 

Furthermore, between the dates of XX/XX/2023 and XX/XX/2023 one or more credit bureaus have REMOVED this account from my credit report due to these violations and inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Ive been trying too access my money since it was deposited into my account from the irs from a tax return I did through XXXX XXXX the bank then asked for all the documents an details after they said they verified the deposit I still provided all the proper documentation. Ive been calling and calling they will not let me know when I can access my money or do anything but deposit in the account its going on 3 months. My deposit was made XXXX too me on XXXX 2023. Its no reason my money should be held this long specially if its my money.

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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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. 

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : XXXX5 U.S.C 1681 section 602 A. StateXXXX 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 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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions 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.

has violated my rights. Or a list of inquiries : 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 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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, XXXX XXXX XXXX XXXX XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. These are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All 3 was deleted on XXXX but still reporting on Equifax which is a lie 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I had a dormant checking account in which someone deposited a small check a year after I had moved to a different state. 

No one from XXXX  called me and i had no idea there as a check processed with insufficient funds. 
After I noticed a personal loan write off from XXXX on my credit card, I paid immediately the {$87.00} fees and requested they remove the erroneous record from the credit bureaus. 
They did not. I called and emailed several times and XXXX has illegally updated my credit profile which I did never had a personal loan with XXXX 

I opened disputes on all three credit bureaus to no avail. 

They are damaging my ability to secure auto financing, credit cards and personal loans by leaving a fraudulent and erroneous record on my credit profile. 
Please 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