vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: CA

Complaint narrative:
The following information was put on my credit file, XXXX sent me an alert notification. 
I logged on to see the information and Online Information Services put this on my account which is out of XXXX I have never lived in XXXX The debt collector said I would have to contact ftc.gov and fill out fraud affidavit form and send over. 

This is not my debt and I never allowed anyone to use my social security number. 

Contact info Name ONLINE INFORMATION SER Address XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX XXXX Account info Account number XXXX Date opened XX/XX/2022 Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/2022 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14 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: CA

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. 

Accounts : Convergent account XXXX BANK DELAWARE XXXX has violated my rights. 

XXXX  account XXXX XXXX XXXX has violated my rights. 

XXXX account XXXX  XXXX has violated my rights. 

XXXX account XXXX XXXX XXXX XXXX has violated my rights. 

XXXX account XXXX XXXX XXXX XXXX has violated my rights. 

XXXX  account XXXX XXXX has violated my rights. 


15 USC 1681 Section 602 A states I have the right to privacy. 

15 USC 1681 Section 602 A also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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 USC 1681s-2 ( a ) ( 1 ) states 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 explanation
Consumer complaint received 2022-07-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
IN REGARDS TO CFPB COMPLAINT XXXX, I RECEIVED THIS EMAIL FROM BOA REGARDING CONTACTING THEM TO VERIFY I MADE THE COMPLAINT. I UNDERSTAND THE NEED TO TAKE SECURITY MEASURES HOWEVER, I DIDN'T MAKE THE COMPLAINT, I COULD NOT IMAGINE THE CFPB SENDING IT TO BOA ON MY BEHALF. STALLING AND GUILTY!

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 2022-07-14 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: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I did not open ANY Account with ANY Collection agency but I have CCS Collection opened XXXX on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with fraud alerts or security freezes — 
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I tried to take out a loan from this company called LightStream. Now at the time I didnt know they were a scammer loan company. I gave them my bank info and they went in to my account making False claims on my account and steeling money that wasnt really their. My bank froze my account and told me I been hit by a fraud company that this was not the first time. This all happened the week of XX/XX/XXXX till the middle of this week trying to get things fixed. My credit score is now messed up because the clams they mad were to my financial company for my car. My financial company is also saying I own them money now and the bank has closed my account because this company bent me over in there lie. They are a fraudulent company and need to be stopped before they hurt other people. Im trying still to fix everything they messed up. Its absolutely insane that they can do this and have a whole fake website as well screaming people out of their 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 2022-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: NJ

Complaint narrative:
It's a spam email from US Bank advising me that I can refinance cheap. We have no interest, in a retirement community and own our home.

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 2022-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Lost my card and reported two unauthorized international charges on my credit card and Chase decided to deem them non-fraudulent due to chip detected. 

Reversed transaction dates - XX/XX/2022 - XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
XX/XX/XXXX Greetings, I am writing to request assistance with Navient XXXX XXXX XXXX. I am aware of the recent lawsuit, which I believe and will fully explain why I think we ( my son and me as co-signer ) are eligible for loan forgiveness. My son took out a student loan in XXXX ( disbursement date XXXX/XXXX/XXXX ) in the amount of {$16000.00} to cover tuition at XXXX XXXX University in New Jersey. My son was not able to continue due to serious health issues. He has a XXXX disorder ( XXXX ) which became very severe and difficult to control. As a result, it was extremely difficult to for him to focus as he was having a several XXXX a day, and he could not continue in school ( documentation can be provided ). After a 5 day hospitalization in XXXX, doctors were able to customize his medication and control the XXXX ( documentation can be provided ). During all of this time, he tried to keep up with the loan payments, but the monthly amount was prohibitive. In XXXX, he requested a lower monthly payment. Navient refused, and advised him to go into forbearance for 18 months, not explaining that the interest would continue to accrue, a practice I know is unethical and covered under the lawsuit. This has now resulted in a balance larger than the initial loan amount. 
I have written to Navient several times since XX/XX/XXXX. They have not responded to my request, and also refuse to release me as co-signer, indicating that I have to provide proof of program completion. As explained above, my son could not continue school due to medical issues, and was unable to complete his program. 
Yesterday ( XX/XX/XXXX ), we found out that Navient has reported both of us to the credit bureaus, which has seriously negatively impacted our credit score. I have written to Navient many times, and have reported this to several agencies, but no one has helped. I write today to desperately request your assistance. The loan information is below :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: MEI AUTO FINANCE INC
State: TX

Complaint narrative:
XX/XX/XXXX I received a XXXX XXXX XXXXXXXX XXXX from MEI automax in XXXX XXXX for approximately {$17000.00}. I got the payments down to {$7600.00}. MEI automax added {$2400.00} to my loan which brought it up to XXXX. XX/XX/XXXX I called MEI and spoke with a lady named XXXX. She advised me to not worry about the {$2400.00} added to my loan because it shows in her system that I only owe {$7600.00}. I called again and spoke with a manager. He told me that I'm getting charged approximately 4-5 dollars a day of interest, that's why my loan is going up. I have never missed a payment. I use " XXXX '' to see my loan balance. My payments also have gone up. I was paying {$170.00} every two weeks. Now I'm paying {$220.00}.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: GA

Complaint narrative:
There is incorrect personal information on my credit report

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 2022-07-14 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: CA

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. 

Accounts : Convergent account XXXXXXXX XXXX XXXXE XXXX has violated my rights. 

XXXX account XXXX XXXX XXXX has violated my rights. 

XXXX account XXXX XXXX has violated my rights. 

XXXX  account XXXX XXXX XXXX XXXX has violated my rights. 

XXXX account XXXX XXXX XXXX XXXX has violated my rights. 

XXXX  account XXXX XXXX has violated my rights. 


15 USC 1681 Section 602 A states I have the right to privacy. 

15 USC 1681 Section 602 A also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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 USC 1681s-2 ( a ) ( 1 ) states 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: AR

Complaint narrative:
I filed a dispute with Experian about an XXXX XXXX bankruptcy on my Experian credit file. Experian did not fully investigate. I contacted XXXX XXXX who verified the bankruptcy and I was informed Experian never contacted them for bankruptcy verification. This bankruptcy was inaccurate and dismissed per the judge along with several accounts. Experian did not do their job.

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 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14 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: Grain Technology, Inc.
State: GA

Complaint narrative:
Grain Technology has hundreds of their clients locked out of their accounts. We are unable to process our account information, pay down our debt, or withdraw funds from our accounts going on 5 months. Ive reached out numerous times, but they do not have any sort of customer service set up. They ignore complaints, and now they are stating they will report late payments on my account even though i had no access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
I was prequalified for an auto loan through Chase to purchase a car from XXXX auto sales with a loan amount of XXXX for 60 months with a payment of XXXX and 14.35 % interest. When I went to the dealer and advised them of the pre approval they told me they needed to submit all the information to Chase so they could reconcile the loan information, turns out they were submitting a brand new application which in fact negatively impacted me as it was a higher interest rate and higher amount of payments. This is a deceptive and unfair practice that adversely impacts customers and should be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not consent to, nor benefit from, or authorize any of the following accounts : US DEP OF ED/XXXX XX/XX/XXXX {$54000.00} US DEP OF ED/XXXX XX/XX/XXXX {$4100.00}

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 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I did not consent to, nor benefit from, or authorize any of the following accounts : US DEP OF ED/XXXX  XX/XX/XXXX {$54000.00} US DEP OF ED/XXXX  XX/XX/XXXX {$4100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not consent to, nor benefit from, or authorize any of the following accounts : US DEP OF ED/XXXX  XX/XX/XXXX {$54000.00} US DEP OF ED/XXXX  XX/XX/XXXX {$4100.00}

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