vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-30 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: FL

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2022-12-30 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its 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 2022-12-30 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
We have called Wells Fargo on 7 separate attempts, the last one yesterday wanting to speak with a supervisor, and we waited over an hour and while we continued to wait, we were hung up on. We only needed bank statements and a closing statement to help our disabled resident out to get XXXX to continue the care he needed. We had everything that was needed for the information and verifications, and they still wouldn't help us. Each worker would tell a different excuse, and none would be the same. This is ridiculous and not professional. This is not the first issue we have had with Wells Fargo either. This is on behalf of one of my residents I am the XXXX XXXX XXXXXXXX for the 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 2022-12-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Army and Air Force Exchange Service
State: HI

Complaint narrative:
I attempted using my Military Star Card issued by the Exchange Credit Program, based out of XXXX, TX, at a Navy Exchange gas station which accepts the credit card. However, I could not complete the transaction after the card reader denied my Military Star card which offers a XXXX cents per gallon discount for using the card when purchasing gasoline. Not only did this affect me, but the other customers using their Star Cards for payment at the gas station also had their transactions denied and the customer representatives at the gas station told us we needed another form of payment due to the problem. I contacted the Exchange Credit Program customer service after the incident and they verified my acccount still remained in good credit standing. I want this issue investigated as to why this incident occurred. The Navy Exchange Service Command should work with the Exchange Credit Program in avoiding a future recurrence of this problem. As often as I refuel my vehicle along with the current high cost of gasoline, the XXXX cents per gallon discount offered by the Military Star card offers tremendous savings in the long term. However, continuously encountering problems with using the card would essentially negate the benefits of the cost savings offered.

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 2022-12-30 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: OK

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: TN

Complaint narrative:
Credit inquiry placed on credit file from XXXX XXXX XXXX XXXX, fraudulent credit inquiry in an attempt to get a credit card on XX/XX/22

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 2022-12-30 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: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2022-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CT

Complaint narrative:
I contacted Aidvantage on XXXX and requested a XXXX  student loan repayment refund for all payments made since XXXX XXXX XXXX. 

I was later told that my refund request was processed on XXXX  and that it would take the Treasury department 10-12 weeks to issue me my refund through direct deposit ( the method I paid ). 

I have not seen my balance updated on Aidvantages website. It has now been 8 weeks and I called Aidvantage on XXXX following up on the status of my request. I was told that it has not been processed and that it is taking kind of long so the representative would insert a note that it should be expedited. The representative then went on to say that it may still take an additional 2-4 weeks on Aidvantages end. 

I was told initially ( XXXX ) that it would take 10-12 weeks for me to receive my refund. 
After 8 weeks why hasnt my student loan balance at least been updated and my refund sent off to the US Treasury?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: TN

Complaint narrative:
Credit inquiry placed on credit file from XXXX XXXX XXXX XXXX, fraudulent credit inquiry in an attempt to get a credit card on XX/XX/

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 2022-12-30 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: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2022-12-30 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: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: MD

Complaint narrative:
Greetings, at the end of my current lease of a XXXX XXXX from XXXX XXXX XXXX XXXX XXXX, instead of opting to purchase a new car and therefore a new lease. I opted to keep my current vehicle. On that day XX/XX/2022, hard credit pulls were taken from the following entities : 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 All of these hard pull credit inquiries were made on the same day, from the same location for the same purpose. Instead of having 5 or 6 hard pull inquiries, it should be considered as just XXXX credit inquiry, because they all pertain to the same vehicle on the same day. I had no idea that the dealership was shopping around with my credit report, for a car I already was leasing and making timely payments on for XXXX XXXX. Each one of these will remain on my credit report for 2 years. It gives the impression that I was shopping around. Again, these inquiries should be consolidated into one maybe two inquires and not 5 or 6 hard pulls from the same transaction, on the same day, at the same dealership. I was always under the impression, that if inquiries were made within the same time period ( Day ), they would only count as XXXX hard pull. Please 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 2022-12-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: NY

Complaint narrative:
As of XX/XX/2022, Discover Student Loans ceased the ability for borrowers who are charged off from paying through their online portal. The only way to pay is by telephone where Discover Bank purposefully attempts to verify your personal information for debt collection purposes. They have provided me with zero explanation for this change of policy nor have they provided any notice whatsoever for this change of policy. I have made payments every month for six years on my charged off loan through the internet with no issues. 

They are simply attempting to prejudice alleged delinquent borrowers and inconvenience them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Hyundai Fianance is reporting to my credit bureaus that I was late multiple times on my lease payments but I NEVER was! I have always paid on time. I have my payment set up on their account for autopay. They draft my payments directly. This is hurting my credit score and my ability to get a car loan to buy out the lease so that I do not have to deal with their fraud anymore. They have already been fined by the government for this exact thing before and they are doing it again. 

I have attached a screenshot of the fraud on my credit report and I have attached my payment history that clearly shows I paid on time every month.

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 2022-12-30 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: Synovus Bank
State: MD

Complaint narrative:
I've been trying to get this charged off account removed since XXXX, this account is showing inaccuracies, wrong dates and wrong amounts owed is not matching, this account clearly shows that it's been charged off and debt was sold, this been appearing since XXXX and it's been a nightmare trying to repair my credit just to be financially stable for my family

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
On or about XXXX, XXXX XXXX sold my 2nd mortgage/line of credit to Rushmore Loan Services . Since then, I have had nothing but problems with the company. Below is a synopsis of my complaint : 1. When I obtained the original line of credit ( LOC ) from XXXX XXXX, my property TAXES were EXCLUDED from the contract. I was responsible for paying them directly, which I was. I had made arrangements with my County Tax Department and was making payments directly to them.

2. Just before COVID hit in XXXX, Rushmore changed the terms of the LOC and without warning, took over paying my taxes. As a result, my payment went from approx. {$300.00} per month to {$1000.00} per month. 

XXXX. EVERY attempt to get Rushmore to consider a loan modification did not end in my favor. They refused my last request at modification in XXXX of XXXX. 

4. When I attempted to again work out a payment plan, ( I called in XX/XX/XXXX ) I was told I didn't make enough money and that I needed to sell my house or they would begin foreclosure proceedings. 

5. I asked if I could make payments toward the back amount due ( {$8000.00} ) in addition to attempting to make my regular payment of {$1000.00}, they REFUSED stating they could not accept payments of ANY KIND until the back balance of {$8000.00} ) was paid in full. 

According to the FBI website, " Predatory loans manipulate borrowers into accepting payment terms that are exploitative. They're used by unscrupulous lenders to extract more money through high interest rates or fees theymy original loan obtained my XXXX XXXX. As a result, I am asking that my property taxes be turned back to me so I can pay them as I was. This would then allow me to make lower monthly payments to Rushmore so that the loan could be paid off more quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
XXXX and XXXX report incites information on my credit report. Those companies are reporting accounts that are fraud and not mine or are reporting inaccurate accounts that have been paid and closed as still open with outstanding payments and balances. They ignore or deny my disputes each time i request for fir them ro correct the inaccurate accounts. They ignored my request to freeze my credit report and put fraud alert and protection. Also their credit score reports are inaccurate or non existent nor consistent. This occurred from XX/XX/2019 to present. I have not received a credit report or score update from either credit consumer company. My identity was stolen and my information on the credit reports and accounts have been compromised. I can not access my online accounts at all. XXXX daye breach

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: OK

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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