vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-14 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: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
I have called the lender XXXX XXXX several times and the telephone number associated with the lender is not valid. I have mailed the lender a letter requesting to find out who they are and why are ( 3 ) separate inquiries from them listed on my credit report. I never received a reply from the lender regarding my inquiry. So at this point I would like to have this lender removed from my credit report. I have no recollection of ever applying for credit. And the information listed for them is not accurate nor current

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I Contacted XXXX XX/XX/22 at XXXX the called lasted approximately XXXX hour and XXXX minutes. 

During the call I explained that my rights as a consumer were being broken and XXXX was not upholding FCRA Laws as our conversation went out stated that you are correct the amount is not they have not given us any information you need to provide us with that information when in fact the law states. My consumer file is being irresponsibly tampered with over the past 2 years, I have made multiple attempts to remedy this issue as a duty pursuant 15 USC 1681. you are intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I made this call as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( A.5 ) says that after the reinvestigations ... all the unverified information must promptly be removed. You can see in your system that this account was previously disputed without being thoroughly investigated thus i know that it can not be verified or validated. 

Which lead me to writing this complaint in attempts to rectify this inaccurate reporting information so i can be able to go upon my life. If not I will seek LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I got a bank statement in the mail from a truist bank. I never made an account with that bank. I looked at the bank statement and it had a name I did not recognize. I went to the bank and they was asking me questions and I couldn't identify any transitions on the account I told them my information and it was all on the account. Then the teller told me i need to talk to a banker so the gentlemen look into it more and seen an email that is another name. He gave me a number to report a fraud on the account so I did. they lady I was talking to gave me directions to call the three credit bureau and see if I can do a police 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 2022-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
About 2 months ago I sent in information regarding my last name change due to marriage. I sent in identifying information including my marriage certificate social security card and identification as well as a medical bill. A couple of weeks later I got notified of a change on my credit report and report and negative changes from from a credit monitoring service .Upon looking at these inquiries there were several that that did not belong to me as well as another name that was added on to my account as another name known as, a man, and it also listed addresses in in Nebraska and and XXXX XXXX XXXX XXXX of this information is related to me nor is this person. I contacted TransUnion who said that the company 's had reported my information to them and They then told me that I would need to contact those companies to get a letter or get them to remove the inquiry. After contacting these agencies they never did an inquiry On me, and after contacting one of them and investigating further it was determined that my social security number is XXXX digit different from this other person 's. I believe my social security number was changed to this when my name was updated And this was the person that the companies were reporting to the credit agency, resulting in the combining of his credit with mine. The mistake must have happened when I submitted information to change my name and all of that was entered into TransUnion system. All of these inquiries showed up at XXXX time. After talking with TransUnion on several occasions They shared that they did not make this mistake and that these other Companies had Done an inquiry on me. I have confirmed that they had done inquiries on the other person who is unrelated to me and not myself.. TransUnion is refusing to fix this mistake other than removing his name and his address from my credit report but his address is still there as of a week ago. There are also several soft inquiries and regular inquiries that belong to this man and are on my credit report. I am concerned that if they do not make this change and fix this that all future inquiries that are on this person will be connected to my credit report and that I will never be able to get it removed as there are Several and the companies are not cooperative considering they did not do an inquiry on me. Transunion have also said that they removed his address and have added mine but have not according to the report sent to me a few days ago

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have contacted Transunion several times via mail and through the XXXX XXXX and the company does not provide the proof and the investigation needed to have these fraudulent accounts posted to my credit report on my Transunion credit report. I have sent letters on dates of XX/XX/2022, XX/XX/2022, and XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXXXXXX XXXX  XXXX XXXX XXXX 'XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - In accordance with the fair credit reporting act XXXX  Account # 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 2022-09-14 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: Convergent Resources, Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681SECTION 602 A. States i have the right to privacy.

15 U.S.C 1681SECTION 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hard Inquiries : XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX. Trying to open small business bank account. I did not authorize a credit check and did not open a small business account. 

2- DEPARTMENT OF EDUCATION- was told I had to pay for class or I could not attended the school. 
Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX was told I had to pay for class or I could not attended the school. 
Inquiry : XXXX XXXX, XXXX + CAPITAL ONE AUTO FINANCE - I did not get a vehicle. 
Inquiry : XXXX XXXX, XXXX + CAPITAL ONE AUTO FINANCE -I did not get a vehicle. 
Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX- I am not familiar. please remove. 
Inquiry : XXXX XXXX, XXXX + XXXX XXXX- I did not provide my information. please remove. 
Reported : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX- I did not provide my information. please remove. 
Reported : XXXX XXXX, XXXX I would like all inquire stated above, removed off of my credit. 

- Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Have contacted Marcus by Goldman Sachs multiple times using their information XXXX. 

Contacted them multiple times in XXXX and XXXX of this year, letting them know that i needed to update information, even provided account number etc only to be told that they couldn't not pull up anything and instead put me on hold for over 20 mins and then transferred me another person only to be told my account was being closed. 

Was given no warning or notice of any kind and they had my personal cell # on file along with business phone #. Also received a letter about a change of address that I do not recall making. 

Asked if they could verify the other account that it was linked to and they claimed they couldn't verify that despite me letting them know what bank they should have had on file. 

Was told that the money would be sent back to the original account with in 7-10 days after closing. They did not give me a timeframe/date as to when the account would be closed or when I could expect any of my money returned to other account. 

Did provide them with a physical address during last call, ( California address ) to send any documentation /letters to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS
State: CA

Complaint narrative:
On XXXX I ordered my Lexis Nexis consumer report on the internet and was denied a copy. Lexis Nexis is refusing to send me a copy of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX 's XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - In accordance with the fair credit reporting act XXXX Account # 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 2022-09-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: KY

Complaint narrative:
Request Re-Consideration of Qualifying Payments for XXXX XXXX Military Service Issue : Not getting full credit for Prior XXXX XXXX Military Service for XXXX in accordance with Waiver. 

I had 2 Direct Consolidations before XXXX for account history to credit time before then in accordance with waiver. 

My XXXX XXXX XXXX XXXX started in XX/XX/XXXX ( uploaded to XXXX XX/XX/XXXX ) Requesting XXXX XXXX XXXX Military Qualifying Payments be Credited to Qualifying to my account from the Dates XX/XX/XXXX thru XX/XX/XXXX ( 22 Qualifying Months ) & XX/XX/XXXX thru XX/XX/XXXX ( 5 Qualifying Months ) Supporting Documentation is A. Retroactive ECF Form from my XXXX XXXX XXXX XXXX ( Review A & B together ) B. DD-214 Honorable Discharge Paperwork ( Review A & B together ) C. Snapshot from Student Aid website that shows my loans prior to XXXX that XXXX could not see to give those 27 months of credit. 
D. Department of Education XXXX Fact Sheet ( Yellow Highlight shows XXXX XXXX will be Honored as Qualifying ) Desired Solution : Please review Supporting Documentation A, B, C to credit 27 additional qualifying payments for my XXXX XXXX XXXX time. Only Dept of Ed can see my Account History on Step C to show I had loans that pre-date XXXX to credit my XXXX XXXX Military Service. 

Tracking Forgiveness should be no later then XX/XX/XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
On XX/XX/XXXX I went to check my credit score for a program I am going to participate in. I can not get my score, I have tried 3-4 places ; XXXX, XXXX, my bank XXXX XXXX XXXX equifax. Each one can not give me my credit score, frustrated I decided to try again later. 
Today XX/XX/XXXX I go to check and spend more time trying to get my score over the phone and on websites and apps of the previously mentioned companies. Nothing came up, on equifax it said I had some sort of installment account opend XX/XX/XXXX and listed options. None of which I did or have. So I selected none of the above. 
2nd question asked about monthly payment, which I selected none again because I don't have any payments. 
3rd question asked about a student loan XX/XX/XXXX which I have none and selected none of the above again. 
4th question is about a mortgage loan in XX/XX/XXXX. I don't own a home and I am paying rent each month to a landlord. 
Also the third time I did this step the question concerning XX/XX/XXXX debts was about a car loan and now it says student loan. 
Then it says We can't complete your request at this time. Please call the Customer Care team. 
I call the number and can't get ahold of a person to talk to, the phone line says only selected individuals with certain needs can speak to customer care. I called several times using different prompts to try and reach customer service. 
I believe it might be fraud holding me up on getting my score because of the questions asked about my credit account that I have never done before, like the car/student loan and mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: OR

Complaint narrative:
Edfinancial 's timeline for loan refunds is so weird compared to other loan companies. They say 120 business days after the request for the refund to process, and then another 60 business days after that to actually get the refund, and my balance on their website hasn't updated. My sister 's loans at XXXX  only took three weeks to get, and I have seen similar stories elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have contacted XXXX several times via mail and through the Consumer Finance and the company does not provide the proof and the investigation needed to have these fraudulent accounts posted to my credit report on my XXXX credit report. I have sent letters on dates of XX/XX/2022, XX/XX/2022, and XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: MN

Complaint narrative:
ATM card fraud. {$2400.00} was fraudulently taken from my US Bank account. After filing several complaints, hours on the phone, and being told in writing the fraudulent funds would be credited back to my account within 10 days, it has not happened. It has been more than 20 business days and emails are not returned.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Management Holdings, LLC
State: CA

Complaint narrative:
Back in XXXX of XXXX I went to the emergency room in XXXX for an injury. I have medical from XXXX that I provided to them and then later informed my insurance about the visit. Im XXXX of XXXX I noticed that I was getting phone calls from Credit Management Company saying I owed money. I was shocked as every party involved had my information. Over the next 2 years theyd call me every other day for months and it would stop for maybe a month after I call them and then back to every other day. Id call them give them my insurance information or call my insurance for them to call XXXX. On XX/XX/XXXX my insurance has called them and they covered the debt. My insurance said that everything was done and I should be receiving any more calls. I called XXXX back in XXXX of XXXX after my insurance covered it because XXXX started to call me back. I spoke to XXXX XXXX who I believe to be the owner of the company to tell her shes XXXX  me and my insurance has given her my information. She claimed they never called and Im still in debt. Im still receiving calls today XX/XX/XXXX and they still claim I didnt pay the debt. When I looked up my right I saw that is illegal for her to charge a medical patient and when I looked up her name and company it comes up as spam

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
After multiple disputes with Capital One, this will be the final notice. I am sending a XXXX XXXX XXXX letter, Notice to XXXX  letter, XXXX XXXX XXXX with exhibits that will be used against Capital One in federal court. I am a natural person and the original creditor for the account, I will not stand for any more fraudulence from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc.
State: MD

Complaint narrative:
Upon routine checking on my credit report, I found a new collection account, as of XX/XX/2022, from Central Portfolio Control for {$13000.00} with the original creditor reported as XXXX. I have not used credit cards for six years, so there is no possibility that a new collection account could be opened on me. I have never had a XXXX account with a balance that high and I am currently paying on two other smaller XXXX accounts. I received no notice about this debt, so I was not given the opportunity to dispute this debt as is my right. I attempted to dispute this twice through XXXX XXXX to no avail. Central Portfolio Control is not following the CFPB rules with regard to collecting debt.

Company response to consumer: Closed with explanation