vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-26 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: NJ

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. XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX  XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX 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 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 2022-04-26 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dispute Letter have been sent to Experian on dates below : Experian - 1st Letter XX/XX/XXXX - 2nd Letter XX/XX/XXXX - 3rd Letter XX/XX/XXXX It is over 120 Days i have not received any response or report of investigation. I feel like i am been taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. 
Furthermore Section 611 ( a ) ( 1 ) ( A ) of FRCA Law states clearly that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report. it has been over 120days, so they should be deleted immediately and promptly.

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 2022-04-26 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:
I REQUESTED YOU PROVIDE ME WITH A PROOF OF THIS ALLEGED PAYMENT BEING LATE .IF UNABLE TO PROVIDE OR LACKING PROOF OF THIS PAYMENT BEING LATE .UPDATE PAYMENT HISTORY TO PAID AS AGREED NEVER LATE ( XXXX ) PLEASE PROVIDE DETAILED DESCRIPTION OF ALL PROCEDURE USED IN PROCESS TO DETERMINE ACCURACY OF INFORMATION REPORTED I HAVE REQUESTED TO ALL THE CREDIT BUREAU ABOUT THE LATE PAYMENT ON MY CREDIT HISTORY TO PROVE. I HAVE NOT GET ANY REPLIED. SO I REQUEST ON MY CREDIT TO BE REMOVED ALL LATE PAYMENTS.

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 2022-04-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Back in the beginning of XXXX, I called the Disputes department and asked them why my disputes against XXXX for {$130.00} was denied. They claimed they had no knowledge of the reason, but would request a letter to be sent out with more detailed information as to why the disputes were denied. They sent me documentation that XXXX had sent to them, showing print-outs from a computer, which were obviously based on a faulty system or computer error at the time. I had provided the Disputes department with the ACTUAL receipt that shows the total amount to be charged, along with the amounts listed right above that show what matched the total after XXXX and Rewards were applied. You can not argue with that. And physical receipts outweigh computer print-outs. They supported a print-out verses a physical receipt. When I spoke to the Disputes Department weeks ago, they put in a request for Reconsideration. Well I just received a letter in the mail dated XX/XX/XXXX -- " Their records show that no posting error has occurred on your account. " ... But my records show otherwise, and again, physical receipts overrule computer print-outs...

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 2022-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2022-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: TX

Complaint narrative:
Contract # XXXX was entered into between us ( XXXX XXXX XXXX XXXX XXXX XXXX and XXXX for a XXXX copy machine in XXXX of XXXX. The lease financing was done through US Bank XXXX XXXX in XXXX, MN. 

The lease expired in XXXX of XXXX. US Bank continued to send us monthly bills which our district manager approved and paid because he thought that it was a maintenance contract. 

We reached out to US Bank about cancelling this lease as it had expired. They said that the lease originator, XXXX, has to cancel the lease with them. We explained that XXXX was purchased by another company, XXXX, and XXXX told us that they have no desire to repossess or release the machine. XXXX also said that they have no active business relationship with US Bank and advised us to not remit payment to US Bank. 

US Bank 's customer service has put up a brickwall and does not engage us substantively in our efforts to resolve this. They seem confused as to who the lease originator actually is due to the merger of XXXX and XXXX. So they claim that they have no capability of contacting the lease originator or anyway to tell us who they believe has the authority to release us from the lease. We are absolutely certain that the legal entity that originated the lease has released us from it.

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 2022-04-26 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: SC

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

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX  Account # XXXX & Inquiry from XXXX on XX/XX/2022 has violated my rights. 

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

15 U.S.C 1681 section 604 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 2022-04-26 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: SC

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

XXXX  XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX Account # XXXX & Inquiry from XXXX on XX/XX/2022 has XXXX my rights. 

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

15 U.S.C 1681 section 604 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 con

sumer 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 2022-04-26 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: AL

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In Accordance To The Fair Credit Reporter Act The Account Listed Has Violated My Rights..15 usc 1681 Sections 8 States I Have The Right To Privacy 15 usc 1681 section 604 A Section 2.I also state a consumer agency can not furnish your 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 2022-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Unexpected or other fees — 
Company: WESTERN UNION COMPANY, THE
State: CO

Complaint narrative:
Reference : Complaint against, XXXX XXXX for Refund To Whom It May Concern : I am filing a complaint with your office because I am unable to come to a resolution with XXXX XXXX on my full refund of the {$50.00} money order. 

Facts On XX/XX/3022, I notified XXXX XXXX via certified mail that I need a full refund of {$50.00} ( Money order number : XXXX ) and sent in a United States Postal money order in the amount of {$15.00} for processing ( USPS Money Order # XXXX ). 

XXXX XXXX sent me a refund check dated XX/XX/2022 for {$32.00} and deducted {$15.00} for the process and {$3.00} for the check, not being cashed within a year, for a total of {$18.00}. I was unaware of the fee for not cashing the money within a year. Which is not displayed on the back of the money order receipt. 

I contacted XXXX XXXX on Friday, XX/XX/2022, and asked why refund check issues were in the amount of {$32.00} and deducted {$18.00}. I was given the run-around. 

I have been calling XXXX XXXX since XX/XX/2022, XX/XX/2022, XX/XX/2022, and I have placed other phone calls. I was told I would get the {$18.00} back and then changed to {$15.00}. Customer service agents refused to let me talk to a supervisor, claiming they were not available and one would call me back and I never received a call from supervisors. 

I am asking for your office 's help with mediating and helping come up with a resolution. For the refund of one the processing fees. 


Thanks XXXX XXXX Why the money order wasn't cashed within a year. 

The business to which the money was written to, was closed to the public because of XXXX, and a year after sending the money order I was informed the business never received it. The employee was working from home at the time the money order was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account number 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I consolidated my loans in XXXX. In XXXX Navient told me that if I want a new loan servicer I had to consolidate again. The consolidated my loan and assigned me back to Navient. I paid {$42000.00}. I called Navient and said to cancel the consolidation because my servicer was not changed. They refused and all of the money I paid was stolen by Navient except for {$1000.00} that was credited toward principle. 

I have applied for PSLF and XXXX only has payment history from XXXX. Navient must provide them with my full payment history in order for me to have my loans forgiven. 

Navient is a criminal corporation and is exiting the student loan servicing business after pillaging students for decades.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: CA

Complaint narrative:
I opened a secured credit card with Discover a few years ago. On XX/XX/2022 they sent me an email that they have mailed a check in the amount of {$1500.00} which was my security deposit. 
I did not receive the check and called them around early XXXX. I was informed that the check takes about a month to be returned. 
I called them again today XX/XX/2022. I was informed that since I did not receive the check they will need to research it and if the check is not cashed then another check will be issued. It will take about a month. 
It seems like it is a routine process and policy they have to use the free money of clients for a period of upwards of two months.

There is should be an inquiry just to check how many customers are being treated this way and how much money Discover is using in this manner

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX I was emailed by a XXXX XXXX that was recruiting for a company named XXXX XXXX XXXX for the Admin Assistant position. 

I accepted the offer and we walked through the interview process on XX/XX/XXXX. 

I was then sent an email stating that I was accepted to the team and had been asked to fill out onboarding paperwork etc. 

I was sent a check on XX/XX/XXXX through FedEx and was asked to deposit it. The total for that check was XXXX. The purpose for the check was to pay for work equipment for my home office. I deposited the check at my US Bank branch. 

The funds were made available on XX/XX/XXXX. I was asked to pay a vendor through XXXX a total of {$2000.00} for my initial product payment, due to an apparent cap on the amount of funds available to send. I sent the funds in XX/XX/XXXX. 

After I sent the funds I was asked to purchase gift cards, four cards {$500.00} each, totaling XXXX. I refused to do this and checked my bank account due to fear of scam. 

My account was XXXX. And I knew I had been scammed..

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 2022-04-26 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: KY

Complaint narrative:
This is my second attempt to remove these fraudulent accounts from my credit reports. My first attempt was sent back to me by the CFPB stating it wasn't me submitting it. This is me!!! XXXX XXXX, so please forward my complaint to the CRA 's!!

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 2022-04-26 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: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

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

Company response to consumer: Closed with explanation