vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-13 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of account ( s ) below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name, Account Number : XXXX XXXX, # XXXX Account Name, Account Number : 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 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report buy more than seven years.

15 USC 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13 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: AR

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 confidentially under 15 USC 1681. 

US  BKPT CT XXXX XXXX XXXX  Ref # XXXX ( Experian ) US BKPT CT AR XXXX  R Ref # XXXX ( Experian ) XXXX XXXX # XXXX ( XXXX ) XXXX XXXX # XXXX ( XXXX ) U.S. BANKRUPTCY COURT Ref # XXXX ( XXXX ) U.S. BANKRUPTCY COURT Ref # XXXX ( XXXX ) XXXX XXXX Ref # XXXX ( Experian ) XXXX XXXX Ref # XXXX ( XXXX ) XXXX XXXX Ref # XXXX ( XXXX ) XXXX XXXX # XXXX ( Experian ) 15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c. ( a ) ( XXXX ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 

15 USC 1681sXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or 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 2022-10-13 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX ) XXXX, XXXX Account # : XXXX XXXX ) XXXX XXXX XXXX Account # : XXXX XXXX ) XXXX XXXX XXXX Account # : XXXX XXXX ) XXXX XXXX XXXX Account # : XXXX 15 USC 1681 section 602 A, 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 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or 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 2022-10-13 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2022 I sent XXXX letters to each credit bureau requesting that they investigate the seleteced negative accounts on my credit report and properly report the other non-negative accounts since only XXXX bureau was reporting my credit card and a different one was reporting my car loan. They all XXXX should be accurately reporting everything, which they are not. I also asked them to update my personal information as my name has been legally changed for over 2 years and they still were not reporting it which caused me to get a fraud alert and denial on an apartment previously. Only Experian started an investigation but did not provide me with the original contracts that I requested. XXXX did not respond at all. XXXX sent a letter stating they received my letter but not that they were going to begin their investigation so I am unsure if they every did and if they ever finished it or what the results are. Fast forward to XX/XX/2022, I send another letter to all XXXX bureaus asking, again, for them to provide me with the original contracts of the selected negative items AND to provide me with details of how they completed their investigation to validating that these contracts are allegedly mine, which they all failed to do. This is my right, as a consumer, to have an accurate and efficiently reported credit report. Due to their negligence, I have now missed out on multiple opportunites that I was presented with due to the inaccuracies on my report. Today is now XX/XX/2022 and I have yet to be given any of the information I requested of XXXX, Experian, and 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 2022-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2022. I checked my credit report and I noticed there were several created accounts on my credit report. There were four created accounts created on the same day which I did not apply for and there was one that was created a day before the four. I did not apply for any bank or credit cards. I have attached a identy theft affidavit with a list of all the fraudulent accounts. Remove them 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 non-monetary relief
Consumer complaint received 2022-10-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2022. I checked my credit report and I noticed there were several created accounts on my credit report. There were four created accounts created on the same day which I did not apply for and there was one that was created a day before the four. I did not apply for any bank or credit cards. I have attached a identy theft affidavit with a list of all the fraudulent accounts. Remove them immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: EQUIFAX, INC.
State: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, BANKRUPTCY XXXX XXXXXXXX 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 2022-10-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
Hi I received an alert saying that I just opened an account with,,, Goldman Sachs Bank U.S.A.,,, for XXXX XXXX,, I reached out to Goldman Sachs Bank, and they were not able to find me with an account there. 

So Im hoping you may be able to help me.. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Ive called and talk to Experian over and over again & they told me they need a FTC & Proof of identity to handle the XXXX fraudulent accounts that are open in my name Ive provided the information they needed I need the XXXX fraudulent accounts removed immediately its causing me very financial hardship I need help please

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 2022-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX inquiries unauthorized XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXXXXXX XXXX  XXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have never authorized theses inquiries, I have called XXXX, Transunion and XXXX fraud department multiple times and they refused to delete these inquiries My previous address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I moved XX/XX/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 2022-10-13 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: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
Hello! 

This issue is in relation to the handling of my federal student loan refunds. On XX/XX/XXXX, I called Aidvantage to request a refund on all my loan payments since XX/XX/2020. 

The total of these six payments was verified with the representative to be {$2700.00} ; and I was told my loan balance will be reinstated and to expect my refund 4-6 weeks later. 

Since then, I have made several calls for a status update. Each time, I have received different answers with no clear resolution and different timelines. 

There has been no movement on my Aidvantage account balance, no update on my Federal Student Aid portal for this account, and no update on my refund status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This is in regard to incorrect late payment status they have been reporting to several credit bureaus. Ive tried rectifying this matter through them but have been unsuccessful as they continue to incorrectly report the information. Specifically, they continue to report that my final monthly payment on my auto lease was XXXX days past due. This is XXXX XXXX false. 

The lease period ended on XX/XX/XXXX. The vehicle was returned on XX/XX/XXXX. All payments for the duration of the term were made through their web portal. For whatever reason they did not process this web portal final payment until XX/XX/XXXX, even though I made the payment in early XX/XX/XXXX. The reason they did this is not knownmaybe their web portal was not operating properly, maybe their staff was unavailable during the holiday season, maybe they simply didnt get to it until the first XXXX back after the new year, which conveniently coincided with the lease end date of my vehicle. I also notice on the payment history that the transaction amounts of {$12000.00} was entered on that date as well as a refund AND payment applied of {$290.00}, so clearly someone there was messing with the numbers of payments that coincided with the exact date of me returning the vehicle. 

In any case I am requesting they immediately stop reporting that this payment was late to any and all credit bureaus. In the entirety of this loan this account was NEVER XXXX  days past due, certainly not the final payment I made in XX/XX/XXXX. I have nevernot once been past due on any credit account I have ever owned. 

As you can see from the attachment, they applied the XXXX payment I made in XXXX AFTER the fact on the exact date I turned the car in physically. They dated it the XXXX ( same day ) then did some sort of refund... then added it back on. Someone screwed up and they were trying to get all the $ numbers to line up.

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 2022-10-13 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: CO

Complaint narrative:
XXXX, XXXX and Transunion have violated my consumer rights by continuing to report late payments on my consumer report after I notified them by letter. Please see accounts listed below : 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX According to 15 U.S.C 1681a ( 2 ) consumer reports does not include transactions or experiences between the consumer and the person making the report 15 U.S.C 1681b ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates 15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose By law, the consumer reporting agencies have clearly violated my consumer rights by adding my experiences to my consumer report, not ever having obtained my written instructions to furnish my consumer report to a third party and by treating my open ending credit transaction as a late payment

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 2022-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: MA

Complaint narrative:
I received notification from the credit bureaus about a collection that was reported by Ability Recovery Services LLC on XX/XX/XXXX with a status of seriously past due/ assigned to attorney, collection agency, or credit grantor and internal collection agency for a debt of {$440.00} and a balance updated in XX/XX/XXXX. No other contact is provided on the credit bureaus except for a XXXX XXXX  XXXX. 

I had a few accounts that were opened fraudulently in the past. I was a victim of Identity theft and provided an official statement about the crime with the FTC report # XXXX. A total of 10 accounts opened from XX/XX/XXXX with XXXX XXXX. These accounts were opened fraudulently to obtain goods. I have mailed a dispute letter to the company today XX/XX/XXXX to the address on the credit bureaus po box XXXX Wyoming PA XXXX, the XXXX, FTC & Massachusetts AG office . Thank you!

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 2022-10-13 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:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX which is ( my sons student loan ) reported a XXXX late payment on these XXXX dates on all XXXX accounts. Which my son was enrolled in school and his loan was in deferment. Somehow there was a computer glitch and we have to pay the price. It is not right. HAVE MADE MULTIPLE ATTEMPTS TO HAVE THIS REMOVED OFF MY CREDIT REPORT WITH NO HELP FROM AGENCIES. They will note it on my report and do nothing else. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
This is a new credit card I applied for, my first statement showed {$4.00} charge from XXXX  and another charge of {$99.00} from XXXX I called the credit card company and disputed the charges, I have no idea what these charges are. Also called XXXX and XXXX  to find out what this was for. this is not a legitimate company, they said i have signed up for healthcare and to read the fine prints from now on. I go to work and come back late at night to support my family I don't have time waste on websites and sign up for things i dont need. credit card company was not on my side saying they also called the company and they verified my info and i was responsible for the charges and was told it was for something I signed of for. I have no idea whats going on and am shocked that this could happen and my credit card company isn't on my side and the crooks are getting away with this. all i know is i have not received anything from that company nor do i want anything from them. they apparently have all my info so its no problem for them to verify things on my behalf. i hope my credit card company changes their mind and protects me. its amazing that this is going on. called again and guy helping me said he is re opening the investigation, hopefully we have a different result this time if not i will not let this go i know for a fact this is fraud and i will not let these crooks get away with this.

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 2022-10-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
THIS IS NOT a DUPLICATE COMPLAINT!!! Do NOT CLOSE! 

READ below! 

We filed a complaint in XXXX and in the time it took Genesis to respond90 days! There is NEW information and concerns! 

We were told on the phone with Cfpb to file a new complaint as we could not add info to the original complaint! 

We have had multiple issues with Genesis. 
Before the first payment was due we called them to change the due date to a day of the month that would work better for us. 
The representative said it was changed. 
Then a few weeks later we received a letter that our account was past due and we had a late fee. 
I called Genesis back and they indicated the representative gave us the wrong information. 
Fast forward to XX/XX/22. I was offered a settlement by email to settle the account for half but it must be done/paid by XX/XX/22. I called and spoke to a representative and supervisor to ask if I could do this on or before XX/XX/22, they indicated it couldnt be paid any later than XX/XX/22 but said we may get another offer. 
On XX/XX/22 we received an offer that if we paid {$810.00} the account would be brought current. We paid {$810.00} on XX/XX/22. The account was not brought current. We called Genesis and they had no recollection of the letter. I filed complaints with the credit bureaus and Cfpb. 
On XX/XX/22 Genesis waived two late fees and brought the account current for the month of XXXX. 
They never brought the account current on their website. 
On XX/XX/22 they sent us a letter by us mail that they were going to then change our minimum payment from {$2000.00} to {$350.00} a month starting on the next billing cycle. They didnt honor this either. This never happened. 
On XX/XX/22 they indicated in a letter to Cfpb that they had sent the original letter regarding the {$810.00} in error. 
How am I as the consumer to know this letter was sent in error and not that it was an actual offer? Seeing as they told me the first week of XXXX that I may get another offer. 
How many other consumers did they send letters in error too? 
Why did they notify the credit bureau that it was current but not bring it current on their site? 
How many times do they get to make errors at the expense of the consumer? 
Another interesting fact is they report to the credit bureaus as the XXXX XXXX XXXX  but the letter to Cfpb says the bank is XXXXXXXX XXXX. 
Who is the actual bank?

Company response to consumer: Closed with explanation