vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-13 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I happened to review my credit card with a financial adviser and I noticed these hard inquires that I have no clue of. We tried calling some of these places with no luck. They transferred us from one location to the next. Here is the list : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX EQUIFAX 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 XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
US BKPT Court XXXX Atlanta... I have previously disputed U.S. Bankruptcy Court XXXX Atlanta XXXX XX/XX/2016 with you and in response you verified the item as accurate stating that you have verified the information with the Court. I contacted the Court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 115 U.S.C. 1681l ) and the information must be deleted 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 2022-06-13 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: IL

Complaint narrative:
I n accordance with the Fair Credit Reporting act U.S. Bankruptcy Court 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 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 2022-06-13 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
A STUDENT LOAN IS REPORTING ON MY CREDIT REPORT THAT I DONT OWN AND ITS FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX account name 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 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 2022-06-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # 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 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 explanation
Consumer complaint received 2022-06-13 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In Accordance with the fair credit reporting act XXXX 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 permission. I have NOT given that authority to XXXX XXXX.

15 USC 1666 ( B ) : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2022-06-13 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: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
penfed credit union have in corrected on my credit report i owed this company not anything please have penfed to corrected that balance on on my account # 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 2022-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
SOMEONE STOLE MY IDENTITY AND HAS A HOME LOAN WITH BANK OF AMERICA IN XXXX XXXX.IS AFFECTING 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 explanation
Consumer complaint received 2022-06-13 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: CarMax, Inc.
State: NJ

Complaint narrative:
I did not consent to nor did I authorize the below information to be reported on a consumer report about me : XXXX. XXXX XXXX XXXX XXXX XXXX. Carmax XXXX. XXXX XXXX XXXX XXXX. These inquiries were Not initiated by me : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXXXXXX XXXX XXXX. XXXX. 

Your company do not have my written instructions to furnish a report on me. Correct this issue by deleting the about accounts and inquiries or else I will file suit in the United States District Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Grain Technology, Inc.
State: NY

Complaint narrative:
I have a credit account with Grain Credit. www.trygrain.com On XX/XX/2022 I tried to contact them to change my bank account on file to make a payment towards my credit with them. I was perfectly on time with the payment. I tried to call and email them with my request and marked it as urgent since I didnt want to be late on payments and get a negative impact on my credit report. 
They responded to me only on XX/XX/2022 with a regular automated answer and didnt help me with my payment. 
Today is XX/XX/XXXX and they have reported my 2 missed payments to all three credit bureaus. Im in trouble. I have emails and proofs that I tried to contact them and wanted to fix that issue before it happened. 
Now my credit history is not great anymore because of them. I need help. Theres no way to contact them. At all! 
Please help! I need the negative info to be removed from my credit reports and I want to pay off that balance with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MIDFIRST BANK
State: CA

Complaint narrative:
Opened XXXX  checking and savings account on XX/XX/22. Met requirements for {$250.00} Bonus for opening an account ( XXXX deposits of at least {$1000.00} within 90 days of opening account ). XXXX deposits submitted on following dates below from government benefits ( XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : XX/XX/22 {$1000.00} XX/XX/22 {$2000.00} XX/XX/22 {$1000.00} Offer states {$250.00} USD will be credited to savings account within 45 days of meeting promotion requirements. Its been greater than 90 days. Ive contacted XXXX multiple times and was unsuccessful in getting this matter resolved. Last outreach made on XX/XX/22 with XXXX representative ( XXXX ). Please see complete terms advertised by XXXX below. 

For a limited time, you can earn $ XXXX when you have XXXX payroll direct deposits of at least {$1000.00} into your Spend Balance. Start Today! 

*Disclosure : Receive {$250.00} when you set up direct deposit to your Spend XXXX and receive XXXX ( XXXX ) direct deposits of {$1000.00} USD or more within 90 days of opening your XXXX XXXX. The direct deposits must be an electronic deposit of the account owners paycheck, pension or government benefits ( such as Social Security ). Limit XXXX ( XXXX ) incentive per customer. {$250.00} USD paid as a credit to your Save Balance within 45 days of meeting promotion requirements. Offer may be changed or withdrawn at any time. XXXX XXXX must be open and in good standing to receive promotion incentive.

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 2022-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Account Was Deferred/Extension Granted For 2 Months ( XXXX XXXX, XX/XX/2022 ). 
However, I Notice 1 30 Day Marking On XXXX XXXX While Extension Was GRANTED. 
I Did A Dispute w/XXXX, XXXX + Transunion. 
XXXX Has Now PUT XXXX & XXXX XXXX 30 Day Mark Dispute Results : Remove ONLY XXXX But Added XXXX. Month Of XXXX Pymt Was NOT Even Due. 
Contacted Creditor XXXX XXXX XXXX, Senior Account Specialist Stated They Were Unaware Of Any Chge And Stated To Contact Credit Bureau. 
Transunion 30 Day Marking XXXX XXXX XXXX 30 Day Marking XXXX XXXX I Sent Documentation From XXXX XXXX XXXX - Deferment/Extension

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 2022-06-13 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: TX

Complaint narrative:
Account Was Deferred/Extension Granted For 2 Months ( XXXX XXXX, XX/XX/2022 ). 
However, I Notice 1 30 Day Marking On XXXXXXXX XXXX While Extension Was GRANTED. 
I Did A Dispute w/XXXX, Equifax + XXXX. 
XXXX Has Now PUT XXXX & XXXX XXXX 30 Day Mark Dispute Results : Remove ONLY XXXX But Added XXXX. Month Of XXXX Pymt Was NOT Even Due. 
Contacted Creditor XXXX XXXX XXXX, Senior Account Specialist Stated They Were Unaware Of Any Chge And Stated To Contact Credit Bureau. 
XXXX 30 Day Marking XXXXXXXX XXXX Equifax 30 Day Marking XXXX XXXX I Sent Documentation From XXXX XXXX XXXX - Deferment/Extension

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Account Was Deferred/Extension Granted For 2 Months ( XXXX XXXX, XX/XX/2022 ). 
However, I Notice 1 30 Day Marking On XXXX XXXX  While Extension Was GRANTED. 
I Did A Dispute w/Experian, XXXX + XXXX. 
Experian Has Now PUT XXXX & XXXX XXXX 30 Day Mark Dispute Results : Remove ONLY XXXX But Added XXXX. Month Of XXXX Pymt Was NOT Even Due. 
Contacted Creditor XXXX XXXX XXXX, Senior Account Specialist Stated They Were Unaware Of Any Chge And Stated To Contact Credit Bureau. 
XXXX 30 Day Marking XXXX XXXX  XXXX 30 Day Marking XXXX XXXX  I Sent Documentation From XXXX XXXX XXXX - Deferment/Extension

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 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Equifax is not reporting the proper amount of available credit on my credit report. They are missing credit cards, loans and the length of credit history is also wrong as is the amount of available credit and total number of accounts. I have Two XXXX XXXX cards and only one is being reported on my credit report, I also have loans that are not being reported on my credit report as well. This time I will include proof instead of just typing a complaint as Equifax did not even read my last complaint and you closed the case without my issue being addressed. How this company stays in business is beyond me. They probably run these complaints through E-Oscar looking for key words because whoever responded to my last complaint, did not read it and/or lacks reading comprehension skills. How can XXXX XXXX and XXXX have the correct account information but Equifax have everything wrong??? If I have to sue them in court, I will. Attached is a copy of XXXX XXXX, XXXX and Equifax 's overview of my credit reports. You can see the enormous discrepancy Equifax compared to XXXX XXXX and XXXX. XXXX and XXXX XXXX are reporting correctly as Equifax is not at all, on anything!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Phoenix Asset Group LLC
State: SC

Complaint narrative:
XXXX XXXX, phone # XXXX collecting for https : XXXX called repeatedly, called my family members about me and was verbally abusive when I asked him to stop calling me and my family. He is an unprofessional, abusive bully that has no idea how to help someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXXXXXX 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 XXXXXXXX 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 602 A. 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 explanation
Consumer complaint received 2022-06-13 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, and XXXX & XXXX XXXX XXXX have 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 : 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 2022-06-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: FL

Complaint narrative:
Hello. I hope this message finds you well. I write because in XX/XX/2020 I entered a covid forbearance plan. However, while on the plan with servicer # 1 I made payments of {$14000.00} and then made payments to the second servicer of {$16000.00} for a total of over {$30000.00} to both servicer out of the {$37000.00} total to be paid according to the statements rendered by both servicer. Unfortunately, I am unable to get out of forbearance because in order to do so, I must agree that I owe an additional {$17000.00} ( according to the partial claim delivered for my execution by servicer # 2 ). I am not sure why my past due balance is {$17000.00} when the difference between what I paid and what I should have paid is only {$6300.00}. I would have expected to find an escrow overage. However, I have just been informed that all that is left in my escrow account is less than {$3000.00}. I would very much like to exit forbearance but unless I agree that I owe an additional {$17000.00} that is not an option. I have asked both mortgage servicers to explain this discrepancy but rather than answer my direct questions they continue to send and refer me to payment histories which are not helpful in explaining this discrepancy. Please help. I may be reached at either XXXX, XXXX or XXXX. Thank you so very kindly for all your assistance in advance. With warmest regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NY

Complaint narrative:
I submitted the Public Service Loan Forgiveness application in XXXX of 2021. I have called several times and have not been able to get through the line. I was on hold for hours, and when I made contact with someone, the call dropped and I was not contacted. It took me XXXX hours to get in touch with someone again. 
In between making contact, I was placed on a queue and then the call was dropped again. 

I finally made contact with someone again and requested to speak to someone with to whom I might express my concerns regarding my efforts and inability to get in touch with anyone. That person asked that I hold and the call was terminated. I called seven times. I was on hold several times and easily spend five hours making a concerted effort to make any sort of contact. There is no email options for people like me who may not have an account with Fed Loan, though work with Fed Loan for the PSLF. 

Additionally, Fed Loan indicated that they sent a letter in the mail- I have not received such letter and there is a significant delay in any contact, which can affect the outcome of my loan forgiveness. I consider myself a patient person and the institution fails the client - not the workers, rather the system there itself. It's embarassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is still reporting addresses that do not belong to me please fix right away!

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 2022-06-13 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
As a consumer, I have a right to privacy. Pursuant to 12 CFR 1016 ( Regulation P ), I should have received a reasonable opportunity before the disclosure of my nonpublic personal information to the nonaffiliated third party, to opt out of the disclosure. Since Experian created a profile with my nonpublic personal information without my authorization, I have yet to receive an opt-out disclosure via mail, electronic means, or an isolated transaction pertaining to the disclosure of my nonpublic information from Experian. This is not fair, accurate, equitable for me as a consumer. The nonpublic personal information that Experian is disclosing is forcing me to lose confidence in the banking system because of Experian credit reporting methods.

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