vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Wanted to get New Truck I ask them not to run my credit before anything and they would run my credit once they ran my credit few to many times, 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 2022-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Home Loan Center, Inc.
State: CA

Complaint narrative:
I was trying to get a loan and started to get on but then they kept asking to send money over XXXX XXXX XXXX and now they won't leave me alone when they say they are gon na take XXXX out of my account then say they can't do.that just get a gift card for XXXX dollars and just keep pushing me and threatening me saying the cops are gon na come to my house and give them the money and all this other stuff the company is called lending tree

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX XXXX I filed a claim with chase fraud department Claim # XXXX. 
XXXX checks were forged deposited into my account and cashed against my account # XXXX. 
A check for {$1900.00} and a check for {$2800.00} XXXX XXXX, XXXX  CASHED CHECK RETURNED XXXX # OF XXXX # XXXXXXXX XXXX XXXX XXXX  XXXX XXXX | Returned deposit item - {$1900.00} XXXX XXXX, XXXX  CASHED CHECK RETURNED Forged Rule XXXX XXXX # OF XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX | Returned deposit item - {$2800.00} In addition I was charged XXXX returned fee checks : XXXX XXXX, 2022 CASHED CHECK RETURNED FEE : XXXX Forged Rule XXXX XXXX # OF XXXX # XXXX DEP XXXX DEP XXXX XXXX XXXX  XXXX Fee - {$12.00} XXXX XXXX, 2022 CASHED CHECK RETURNED FEE : XXXX XXXX # OF XXXX # XXXX DEP XXXX XXXX  XXXX XXXX XXXX XXXX Fee - {$12.00} On XX/XX/2022 I was Reimbursed {$24.00} for the fees and {$2800.00} for one check but NOT the other check. I have called several times ( Chase fraud dept ) since XX/XX/2022 their answer is it will be done " in XXXX to XXXX business days it is being reviewed ''. Today XX/XX/2022 i spoke with XXXX, account supervisor in claims, he states there is an extension for another 5 business days. He states that the person or department reviewing does not have a phone that can be called?? 


XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX cel phone XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
1. XXXX XXXX ( XXXX XXXX of XXXX $ in collection since XX/XX/XXXX. 
Fraud 2. Bank of America XXXX of XXXX $ Credit card opened XX/XX/XXXX. 
Never had this Fraud 3. XXXX XXXX they put an application for a bank of America card and I called to stop it. 
Also not me Fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
In accordance with a Fair Credit Reporting Act [ CB/NY & CO CB/VICSCRT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX has violated my rights. Under 15 USC 1681 section 602 states I have right to privacy.

15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AZ

Complaint narrative:
Jefferson Capital Systems LLC Account # XXXX ( Dept # XXXX, XXXX XXXX XXXX, XXXX, Al XXXX, XXXX ) claims via letter ( s ) that I have an outstanding debt with XXXX XXXX {$40.00}. I contacted XXXX XXXX to verify and was informed that no such record exists. I have a current policy with XXXX XXXX and have used their service for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: CA

Complaint narrative:
The original loan amount was {$18000.00} by Sallie Mae in XXXX. Repayment started in XXXX and payments were made regularly. In XXXX my son lost his job. He called Sallie Mae and they worked with him and the loan went into deferment. In that time during Covid all student loans were deferred due to hardship. The difference is Sallie Mae was accruing interest on their loans. This was not made clear to him at the time. What started as an {$18000.00} loan is now {$27000.00}. How can this be legal? They acted like they were helping him out when he could not pay. They suggested the deferment and now he owes more than is even borrowed. At no time was he told that loan would increase this much. It seems to me that in a time when the we all needed help they took advantage of students.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX the following XXXX XXXX XXXX account # XXXX have violated my rights as an obligor. 

Dates : XXXX, XXXX through, XXXX, XXXX : 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 1666B : A creditor may not treat a payment on an extension of credit account under an open-end consumer credit plan as late for any 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 2022-07-07 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: FL

Complaint narrative:
I have attached an FTC report with inquiries I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
A fraudulent credit card account was opened in my name on XX/XX/2022 with XXXX XXXX XXXX XXXX, using a fraudulent address and phone number, and around {$18000.00} was charged to the account. 

I noticed the account ( as well as the fraudulent address and phone number, and the credit inquiries in connection with opening the account ) on my credit report the following month and reported it the credit reporting agencies ( XXXX, XXXX, and Transunion ) in XX/XX/2022. I also called to report it to XXXX XXXX XXXX XXXX on XX/XX/2022 at which time they indicated it would be reviewed, I would receive a letter within 30 days, and the account would be closed. 

The credit agencies responded to the disputes indicating they had reached out to XXXX XXXX and confirmed the account, and XXXX XXXX would need to let them know that the account was fraudulently opened before it could be addressed on my credit report. 

Since reporting to XXXX XXXX XXXX XXXX on XX/XX/XXXX ( 65 days ago ), I have called XXXX XXXX at least 5 times to request an update, and at least XXXX of those times, I have waited on hold for over XXXX hours to talk to their security department, just for them to tell me they are working on it but can not provide any estimate on the amount of time it will take, and can not provide an confirmation by email or otherwise that anything is actually happening. 

Since XXXX XXXX has taken over 65 days to investigate a fraudulently opened account, the {$18000.00} credit card balance is now in default and my otherwise pristine credit score continues to drop precipitously by the day. As a result I am having countless difficulties : I was unable to open a desired credit card to receive travel points for a large trip and to purchase an engagement ring, I was planning to get off of my parent 's cellular plan but am not able to open my own line as a result of this issue, and I have been planning to purchase a house, which has obviously been put on hold.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
A fraudulent credit card account was opened in my name on XX/XX/2022 with XXXX XXXX XXXX XXXX, using a fraudulent address and phone number, and around {$18000.00} was charged to the account. 

I noticed the account ( as well as the fraudulent address and phone number, and the credit inquiries in connection with opening the account ) on my credit report the following month and reported it the credit reporting agencies ( XXXX, Equifax, and XXXX ) in XX/XX/2022. I also called to report it to XXXX XXXX XXXX XXXX on XX/XX/2022 at which time they indicated it would be reviewed, I would receive a letter within 30 days, and the account would be closed. 

The credit agencies responded to the disputes indicating they had reached out to XXXX XXXX and confirmed the account, and XXXX XXXX would need to let them know that the account was fraudulently opened before it could be addressed on my credit report. 

Since reporting to XXXX XXXX XXXX XXXX on XX/XX/XXXX ( 65 days ago ), I have called XXXX XXXX at least 5 times to request an update, and at least XXXX of those times, I have waited on hold for over XXXX hours to talk to their security department, just for them to tell me they are working on it but can not provide any estimate on the amount of time it will take, and can not provide an confirmation by email or otherwise that anything is actually happening. 

Since XXXX XXXX has taken over 65 days to investigate a fraudulently opened account, the {$18000.00} credit card balance is now in default and my otherwise pristine credit score continues to drop precipitously by the day. As a result I am having countless difficulties : I was unable to open a desired credit card to receive travel points for a large trip and to purchase an engagement ring, I was planning to get off of my parent 's cellular plan but am not able to open my own line as a result of this issue, and I have been planning to purchase a house, which has obviously been put on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
A fraudulent credit card account was opened in my name on XX/XX/2022 with XXXX XXXX XXXX XXXX, using a fraudulent address and phone number, and around {$18000.00} was charged to the account. 

I noticed the account ( as well as the fraudulent address and phone number, and the credit inquiries in connection with opening the account ) on my credit report the following month and reported it the credit reporting agencies ( Experian, XXXX, and XXXX ) in XX/XX/2022. I also called to report it to XXXX XXXX XXXX XXXX on XX/XX/2022 at which time they indicated it would be reviewed, I would receive a letter within 30 days, and the account would be closed. 

The credit agencies responded to the disputes indicating they had reached out to XXXX XXXX and confirmed the account, and XXXX XXXX would need to let them know that the account was fraudulently opened before it could be addressed on my credit report. 

Since reporting to XXXX XXXX XXXX XXXX on XX/XX/XXXX ( 65 days ago ), I have called XXXX XXXX at least 5 times to request an update, and at least three of those times, I have waited on hold for over 2 hours to talk to their security department, just for them to tell me they are working on it but can not provide any estimate on the amount of time it will take, and can not provide an confirmation by email or otherwise that anything is actually happening. 

Since XXXX XXXX has taken over 65 days to investigate a fraudulently opened account, the {$18000.00} credit card balance is now in default and my otherwise pristine credit score continues to drop precipitously by the day. As a result I am having countless difficulties : I was unable to open a desired credit card to receive travel points for a large trip and to purchase an engagement ring, I was planning to get off of my parent 's cellular plan but am not able to open my own line as a result of this issue, and I have been planning to purchase a house, which has obviously been put on hold.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In XXXX, 2022 I submitted a FTC REPORT due to my credit file being impacted by the Equifax Data Breech. Disputes along with the FTC REPORT were mailed off to EQUIFAX and as of Today XX/XX/2022. I have these accounts still remaining on my report. I need all accounts removed because it has affected my from receiving positive credit. According to 15 U.S. Code 1681e ( b ) whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the individual about whom the report relates. I feel as though my consumer rights have been violated, please remove all accounts ASAP. All accounts were unauthorized and need to be removed UNKOWN FURNISHER ( XXXX ), UNKOWN FURNISHER ( XXXX ), UNKOWN FURNISHER ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I received an alert today, XX/XX/2022 regarding a Navient account. Stating that my account is reporting Delinquent causing a decline in my credit score of XXXX points. Please advise why? Per the Department of Education : Biden-XXXX Administration Extends Student Loan Pause Through XX/XX/XXXX Contact : Press Office XXXX XXXX XXXX ) XXXX, press@ed.gov Today, the U.S. Department of Education ( Department ) announced an extension of the pause on student loan repayment, interest, and collections through XX/XX/2022. While the economy continues to improve and COVID cases continue to decline, President Biden has made clear the continuing need to respond to the pandemic and its economic consequences, as well as to allow for the responsible phase-down of pandemic relief. 
The extension will provide additional time for borrowers to plan for the resumption of payments, reducing the risk of delinquency and defaults after restart. During the extension, the Department will continue to assess the financial impacts of the pandemic on student loan borrowers and to prepare to transition borrowers smoothly back into repayment. This includes allowing all borrowers with paused loans to receive a fresh start on repayment by eliminating the impact of delinquency and default and allowing them to reenter repayment in good standing. The Department will also continue to provide loan relief, including to borrowers who have been defrauded by their institutions and those eligible for relief through the Public Service Loan Forgiveness program. FSA will establish new partnerships to ensure that borrowers working in public service are automatically credited with progress toward forgiveness, eliminating paperwork that prevents many borrowers from getting help. FSA will also continue to transfer loans to servicers committed to working under new, stronger accountability rules. 
The Department of Education is committed to ensuring that student loan borrowers have a smooth transition back to repayment, said U.S. Secretary of Education XXXX XXXX. This additional extension will allow borrowers to gain more financial security as the economy continues to improve and as the nation continues to recover from the COVID-19 pandemic. It remains a top priority for the Biden-XXXX  Administration to support students, families, and borrowers especially those disproportionately impacted by the pandemic. During the pause, we will continue our preparations to give borrowers a fresh start and to ensure that all borrowers have access to repayment plans that meet their financial situations and needs. 

Delinquent Account XX/XX/2022 XXXX has appeared on your credit report. 

XXXX XXXX NAVIENT Industry Type GOVERNMENT STUDENT LOANS XXXX Address XXXX XXXX XXXX, XXXX XXXX, PA, XXXX Inquiree Address XXXX XXXX XXXX XXXX, GA, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
My problem is with Experian, on XX/XX/XXXX my credit score with them dropped XXXX points which also changed my credit rating. I have sent them several text messages asking why and also phoned them always getting the same generic reply, to ask a XXXX XXXX. I had no late or missed payments, no hard inquiries, and nothing else changed on my credit report, not seeing any reason why my score should have dropped. My problem is that Experian can or will not give me a reason why. Are these companies allowed to do whatever when they have such an effect on peoples lives?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: 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:
In accordance with the Fair Credit Reporting act XXXX  Account Name XXXX XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX  XXXX Account # : XXXX Account Name : XXXX XXXX  Account # : XXXX Account Name XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX  Account # XXXX XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : 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 2022-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX  XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX  Account # : XXXX Account Name : XXXXXXXX XXXX XXXX  Account # XXXX XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account XXXX : XXXXXXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : 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 response to consumer: Closed with explanation