vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
On XXXX XXXX, M & T Bank erroneously posted a cash withdrawal made to my account made by another customer in the amount of {$1300.00}. Despite numerous contacts and visits, they continue to break promises over times to get the reversal posted and I am denied access to my rightful funds.

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 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax is displaying a account that I paid as a balance is still being owed and is preventing me to have a accurate report that reflects my obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent the company my dispute on { XX/XX/22 }, which they received and investigated on but there was no corrections made and the documents I requested in regards to their investigative process was not provided. I have reason to believe that they conducted a reasonable investigation. Therefore, I am invoking the Fair Credit Reporting Act Section 611 to AGAIN ask that they provide me with the following information : 1. The date you contacted each creditor 2. The contact information for each creditor 3. The name of the person who verified the items to you 4. The method of communication you used to verify this information 5. Did the creditors provide you with my SSN, address, and Date of Birth? 
I demand to see verifiable proof ( an original consumer contract with my signature on it ) they have on file of the accounts listed on the dispute. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts listed on the dispute.

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 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent these accounts 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 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 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) ( XXXX ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I went to the dealership to apply for a vehicle. XXXX said they would only pull my credit with XXXX but my credit was pulled from eight other accounts that I did not authorize. 

XXXX XXXX XXXX XXXX XX/XX/2022 TransUnion XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 TransUnion XXXX  - XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 TransUnion XXXX XXXX XXXX XXXX XX/XX/2022 TransUnion XXXX XXXX XXXX XX/XX/2022 TransUnion XXXX - XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2022 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 2022-09-21 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: FL

Complaint narrative:
CFPB + Experian, On my XX/XX/2022 I noticed there is an address on my Experian credit report that is not mine - please have that removed asap. 

attached to this complaint are : - my drivers license - my social security number- my address- my letter - screenshot of address where its located Please have this wrong address removed as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Someone tried to open a store credit card under my name on XX/XX/2022 at Comenity Capital Bank. Application reference number XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NJ

Complaint narrative:
On XX/XX/2022 I requested a refund from Edfinancial Services on payments I had made during the student loan pause as is permitted by the CARES act. The request was for a total of {$2300.00}. 

3 weeks later I've received no confirmation notice that my request is being processed, and they are unwilling to give any timeline for when to expect the refund other than than the US Department of Education is in charge of " the program ''. People I know who requested refunds through Edfinancial at a later date have already received their refunds, and other financial institutions such as XXXX and XXXX XXXX at least provide time estimates for their borrowers. I can call them for confirmation that my request was submitted, but nothing else. 

The fact that Edfinancial is unwilling to provide an estimate for when to expect the refund to be processed, instead blaming the Department of Education when other borrowers have already had their refunds processed and other financial institutions are providing their borrowers estimates, and the fact that they are unable to provide me a confirmation email or receipt outside of calling them directly for any updates is why I am complaining. All of this on top of the recent data breach they were a part of has me concerned with their handling of this situation in my best interests. 

I understand that there is probably an influx of refund requests with the recent student loan forgiveness program announced by the Biden-Harris administration , but its concerning to me that they are unwilling to provide wait estimates or even a confirmation email when borrowers at other financial institutions are seeing their refunds reflected in their loan balance in 36-72 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: AL

Complaint narrative:
I checked my credit report and found out this account does not belong to me and I didn't authorize to my account until I called XXXX and they refer me to this website to file my complain, Name : XXXX date : XXXX,. this information is incorrect I found on my credit report from myannualcreditreport.com, XXXX has removed it from my credit profile and I am requesting Equifax to remove and delete it from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services
State: OH

Complaint narrative:
Only assign my case to the person in HIGHEST AUTHORITY!!! 

OR THE CEO IF you have too!! 
Do not assign my cases to XXXX as she is non compliant and rude and mean and doesnt listen nor has she read my complaints nor investigated them. I do not like her.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This company is continuing to make hard and soft inquiries on my credit accounts and stalking me for years. I have never had an account that I signed authorizing a relationship with this company. I do not have any documentation with my signature or my authorization to initiate a relationship with this company, any and all information that Portfolio recovery has about me is a result of identity theft and the accounts they purchased from creditors were not authorized by me and was a result of identity theft and I have reached out to Portfolio company and requested that they no longer contact me or access my active account or my credit bureau accounts ; however, they are continuing to access the credit bureaus on a monthly basis

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Section 1 : Accordance with the Fair Credit Reporting act account name portfolio Recovery ( XXXX XXXX XXXX  ) has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: CA

Complaint narrative:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-09-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Cash Link USA, LLC
State: MO

Complaint narrative:
I was approved for a {$600.00} installment loan. I was to make a total of XXXX payments. The interest rate on this loan is 780 %. In XX/XX/XXXX, I made the XXXX payment and had already payed {$2000.00} at this time. I called their customer service department and the lady I talked to told me if I made 1 more {$410.00} payment then the loan would be considered payed in full. I did not have that payment at the time so I defaulted. I tried calling back 3 months later and I was told that was a one time deal. I have tried working with XXXX or XXXX to put all debt together so I can pay everything off. I find out today ( XX/XX/XXXX ) that Cashlinkusa has sold my debt to a debt collector office called XXXX XXXX. ( XXXX ) XXXX. They informed me that the interest is still being added even though I have not received anything from either company. I was informed that I now owe {$4100.00}. And that's on top of the {$2000.00} I have already payed. So in total, I took out a {$600.00} loan and I am being told I have to pay a total of {$6100.00} back. I have the email from XXXX XXXX showing all this information and the original Loan agreement as well as proof I have already payed {$2000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have 2 inquires on my personal XXXX and XXXX credit report dated : XX/XX/2022 and XXXX XXXX XXXX Both from SYNCB/SAMS CLUB. 

I have never applied for a personal card with SYNCB/SAMS CLUB. 
I have made several attempts to rectify this with SYNCHRONY BANK. 

They have confirmed they don't have the application request from these dates but insisted i have to resolve my issue using this method.

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 2022-09-21 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: CA

Complaint narrative:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: AZ

Complaint narrative:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I noticed unauthorized inquires on my credit report from TransUnion and wrote several letters to dispute the unauthorized inquires being reported by this company. 

XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX Each the above inquires were not authorized by me and I do not recognize them. This is causing a negative impact on me.

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 2022-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
PayPal erroneously changed my personal account to Business in XX/XX/2022 and proceeded to charge me transactions fees for " Goods/Services '' despite the transactions being between " Friends and Family ''. I approached them twice and they give XXXX  reasons that they can't refund fees that their system created. Its about a {$100.00} which is a lot to me ... See the history of transactions and the online chat I had with them for the 2nd time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-21 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: AZ

Complaint narrative:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-09-21 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: Mortgage Research Center, LLC
State: NE

Complaint narrative:
I saw two inquiries on my credit report I dont recognize. One on XXXX XXXX XXXX  from a place called XXXX XXXX  and one on XXXX XXXX XXXX from a place called 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 explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
I, XXXX XXXX, have received 3 notices from Eastern Account System of Connecticut , Inc . They are saying that I owe {$310.00} or if equipment returned, debt would be {$210.00}. A person at Eastern said person who incurred this debt used my name, date of birth and address. My date of birth is XX/XX/XXXX. My address is XXXXXXXX XXXX XXXX XXXX Fl XXXX. My SSN is XXXX. I have learned that the address of this person is XXXX XXXX XXXX XXXX, XXXX Il XXXX. The period charged is from XXXX XX/XX/XXXX. XXXX 's phone number is XXXX -- XXXX or Account number is XXXX. This amount is shown on my credit report. I want it removed please. I did contact the XXXX Sheriff 's office at XXXX. I was transferred to a nice deputy for the area. He said it is an apartment complex that is now vacant. It was purchased by XXXX XXXX, in XXXX XXXX, Mo. I tried calling them and left a message. Call not returned. Their phone number is XXXX. XXXX Credit Bureau has Eastern Account system down twice. One is for {$210.00}, and the other is for {$100.00}. My local sheriff 's dept says it is out of their jurisdiction so wouldn't take an ID Theft report/fraud. I was given a phone number by XXXX for this person as XXXX they haven't tried to call the number. I don't know if Eastern has tried or not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: PA

Complaint narrative:
Spoke to a representative XX/XX/XXXX about my student loan refund from payments made in XX/XX/XXXX and XX/XX/XXXX. The rep stated the refund has been processed but failed to give a time frame or date on when. It has not been reflected on my edfinancial loan account either. Never received an email for confirmation either

Company response to consumer: Closed with explanation