vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I XXXX issues with us dept of education I filed bankruptcy in XXXX to only XXXX bureaus XXXX and when I was doing my paperwork last year for the forgiveness program I was informed I was in bankruptcy I challenge them and when I call them and ask why am I in bankruptcy still and my full discharge was in XX/XX/XXXX. The person on the phone said my bad we forgot to remove you so then they did the most unethical thing they deleted the XXXX entry from XXXX and now is blank because they know they could not enter it twice so they reported my bankruptcy date as of XX/XX/XXXX this is wrong report and needs to be deleted this drop my point by XXXX points and I want them put back or we will be in court about my credit profile. 

I applied to go to XXXX XXXX that was in the XXXX 's they then change their name to XXXX XXXX I never went to the school because I found out I was pregnant and could not attend. At that time was when paper checks were being issued they returned XXXX of the loan an never returned the rest no this has ballooned out of control I have been saying this for 25 years. Then come to find out this was predatory school and they are now closed when I ask for transcripts if I went there they could never produce them. How I found this out was went back to school in XXXX at XXXX XXXX I was granted full financial aid and then when the spring semester came about they told me I did not qualify for financial aid because I had a defaulted student loan from XXXX I ask them where this loan has been for all these years and I had a very common name XXXX XXXX Then I was XXXX XXXX my first husband I have applied for the forgiveness and it has been a year now no word. They have repeatedly sold this loan again and again and a lot of this is interest and lots of offsets. I disputed this with the Bureaus since last year

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MI

Complaint narrative:
I XXXX XXXX am submitting this complaint without any assistance from a third party. Attached below is my FTC Identity Theft Report and full compliant. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 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: FL

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX  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 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 2022-06-04 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: FL

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX  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 2022-06-04 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: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

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 602a states : I have the right to privacy.

15 U, S.C 1681section 604a section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2022-06-04 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: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX has violated my rights. 

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 XXXXXXXX 15 U.S.C 1681 section 602a states : I have the right to privacy.

15 U, S.C 1681section 604a section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Purchased a gift card online. When recipient received the gift card, they were not able to access the funds. When they called customer service, they were asked to provide their debit card number and macy 's would add the funds to their debit card ; obviously the recipient did not do this. 

When I received my bill I was charged for the gift card, even though I had previously contacted macy 's and they had indicated that my account was credited.

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 2022-06-04 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: NV

Complaint narrative:
I've tried to dispute with the car company XXXX and they refuse to delete the BLATANT incorrect information on my credit report. My report is supposed to be 100 % accurate and it's obviously not. XXXX is reporting incorrect and mismatching data for all 3 credit agencies ( XXXX, XXXX, TransUnion ). I've disputed multiple times with the agencies and with XXXX and they and nothing has been done. Every time they come back as " VERIFIED ''. How can it be verified with all of the agencies and they have different data on each one?!?!?

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 2022-06-04 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: NV

Complaint narrative:
I've tried to dispute with the car company XXXX and they refuse to delete the BLATANT incorrect information on my credit report. My report is supposed to be 100 % accurate and it's obviously not. XXXX is reporting incorrect and mismatching data for all 3 credit agencies ( XXXX, Equifax, XXXX ). I've disputed multiple times with the agencies and with XXXX and they and nothing has been done. Every time they come back as " VERIFIED ''. How can it be verified with all of the agencies and they have different data on each one?!?!?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I've tried to dispute with the car company XXXX and they refuse to delete the BLATANT incorrect information on my credit report. My report is supposed to be 100 % accurate and it's obviously not. XXXX is reporting incorrect and mismatching data for all 3 credit agencies ( Experian, XXXX, XXXX ). I've disputed multiple times with the agencies and with XXXX and they and nothing has been done. Every time they come back as " VERIFIED ''. How can it be verified with all of the agencies and they have different data on each one?!?!?

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 2022-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
We financed a XXXX XXXX XXXX in XX/XX/XXXX. The loan was for XXXX. We stopped receiving notifications for payment. When we complained the issue was not resolved. They called and demanded the entire balance of the loan which is XXXX. When we tried to make arrangements to pay late payments we were not given the opportunity to do so. We were told either pay it in full or the vehicle would be repossessed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-04 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX DEPT OF ED/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 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 2022-06-04 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX DEPT OF ED/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 2022-06-04 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX DEPT OF ED/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 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 2022-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
We have this Citi checking account ending in XXXX, that is linked to a brokerage account. The average monthly balance required to avoid the monthly fee in {$1500.00} in all combined accounts, and our combined balance in both accounts is well above this number. However, Citibank keeps charging a XXXX XXXX monthly fee each month. We called last month, and a rep acknowledged that everything was correctly set up and linked and the fee should not apply, and he removed the fee. However, Citibank charged the fee again this month. Upon speaking with a rep, she is saying that she is unable to access our account and then hung up the phone on us, when we asked her to close the account.

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 2022-06-04 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:
On my Experian credit report, I have tried to dispute the 30 day late payment many times. Both XXXX and XXXX have made the appropriate changes, but Experian is just ignoring my requests for updates. During the COVID lockdown in 2020, XXXX branches were closed and I call them to tell them that I could not come it to make my payment on my credit line. Under the CARES ACT of 2020, my XX/XX/2020 payment should NOT be marked 30 days late., This is a violation of the law and under the CARES act should not be marked as late. Both XXXX and XXXX have made the updated notation, but Experian is ignoring my requests to update it. see attached report summary

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 2022-06-04 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: TX

Complaint narrative:
In accordance with the fair credit reporting act : XXXX account # XXXX XXXX XXXX XXXX, XXXX account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX account # XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: CA

Complaint narrative:
I left apartment in XXXX and paid all amounts whichever they said but after 2 months they send me letter that you have left over amount when i went there they they remodel the apartment and i have to pay that amount and they said we send you ketters which I didnt receive any kind of letter then I contacted the debt company i told them I didnt receive any letter they said they dont know you have to pay that but when i left the apartment everything was good but they lied to me they said it was broken when i asked them for pictures or any proff they didnt provide me nothing.so I request to you please take remove this debt from my account which I dont own. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
I was co signer at XXXXXXXX XXXX XXXX XXXX  for 1st year and my name was removed for 2nd year, after that my friend vacant the apartment and all dues was paid, I am attaching receipt with this, still they have report for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 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: MI

Complaint narrative:
The credit bureaus stated my account was properly investigation but how is that possible if there are several inaccuracies including last active dates, last reported dates, high balances and payment histories. This is grounds for removal. They also violated my rights under these laws : 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 my written instructions.

Attached below is a copy of my drivers license and social security card as well as a copy of my tri-report credit report identifying incorrect discrepancies via highlighted sections.

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 2022-06-04 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: FL

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX  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 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 2022-06-04 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX DEPT OF EDXXXX  # XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-04 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: FL

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX  DEPT OF EDXXXX # 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 2022-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: MD

Complaint narrative:
Flagstar Bank allowed my home to be sold at a tax sale. Every mortgage payment has been made on time. After contacting Flagstar Bank as soon as I received the notice of tax sale, I was assured it was handled. I even received email correspondence saying the issue was handled. Flagstar Bank is now claiming ignorance. How is this possible when I made them aware on XX/XX/XXXX? 

On XX/XX/XXXX at XXXX p.m., EST, I called Flagstar Bank regarding a FINAL NOTICE BEFORE TAX SALE sent to me by the state of Maryland. This perplexed me because my taxes were/are escrowed and every mortgage payment had and has been made in a timely fashion. XXXX transferred me to XXXX for assistance. XXXX informed me that the bill would be paid A.S.A.P. He requested an email address to provide me with confirmation upon payment of the property tax bill. I read the exact information from the, FINAL NOTICE BEFORE TAX SALE to " XXXX '' on XX/XX/XXXX. 
On XX/XX/XXXX I received a confirmation email from Flagstar that, Your case number XXXX was resolved on XX/XX/XXXX. 

However, the taxes were never paid and Flagstar is attempting to shift the blame. They are saying it is a previous servicers fault. They are claiming they didn't know the taxes weren't paid. However this is impossible since I called them and read them the notice and they still did not pay the taxes!

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 2022-06-04 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: FL

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX  XXXX DEPARTMENT OF EDU # XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation