vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-04 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I had a old credit card with USAA, and it was sent to a third party XXXX, i paid XXXX to pay off the account, and USAA is refusing to update my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I rent an apartment at XXXXXXXX XXXX XXXXXXXX apto XXXX During the Covid-19 crisis I was not able to continue at the place. We decided to move. I explained to the property manager that we cant no afford rent. We move out and a balance of {$2700.00} was due at the time. We tried to apply for rent assistance and at that time wasnt available. 
I cant not make this payment. I called several times to ask for amended because of the Covid-19 hardship. 
We appreciate your understanding XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: TX

Complaint narrative:
Basically I put a fraud statement on my reports but XXXX obviously extended credit to someone and opened an account for them. I have repeatedly disputed it with the credit reporting agencies but they keep removing the account then turn around trying to say the account was verified. With no proof of anything actually given to me. They say they investigated but don't tell me how it was verified or acknowledge my fraud alert. Keeping my credit score low.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: TX

Complaint narrative:
Basically I put a fraud statement on my reports but XXXX obviously extended credit to someone and opened an account for them. I have repeatedly disputed it with the credit reporting agencies but they keep removing the account then turn around trying to say the account was verified. With no proof of anything actually given to me. They say they investigated but don't tell me how it was verified or acknowledge my fraud alert. Keeping my credit score low.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: OH

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Opened XXXX {$130.00}, XXXX XXXX Opened XXXX {$620.00} 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 2022-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: VA

Complaint narrative:
I initially made a call to Nelnet requesting a refund on XX/XX/XXXX, and was told I would receive an update within a weeks, and if not to call back for a follow up. I called again XXXX and they mentioned that it was still processing, and would receive an update shortly. I called once more XX/XX/XXXX and XXXX for an update and was given even more unsure answers after and they were not able to send an email for confirmation. The dates given during the call were random, so I'm not super sure if it really went into processing. 

I have seen multiple people who have requested a refund way after I have receive their refund and have their balances reinstated, so I'm just concerned about what the status of mine is, since there have been no follow up contact on their side with updates. It's just me calling every other week to get a standard cookie cutter answer, so I am a bit frustrated although I know they too are swamped with calls. ( And of course, I want my balance reinstated and my check refunds mailed )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: WA

Complaint narrative:
I requested a refund XX/XX/31 haven't received it. I want to apply for the student loan forgiveness before my grace period ends as it takes weeks to process. People have received their refund in days while i've been waiting for months. I called today XXXX and they haven't even processed my refund!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: DC

Complaint narrative:
I just recently checked my credit report and noticed that I did not authorize anyone employed by these companies to make an inquiry and view my credit report. In addition, I did NOT give EXPERIAN permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. Last but not least I have no contract with EXPERIAN this is a privity of contract.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Strategic Alliances, Inc.
State: TN

Complaint narrative:
I have been dealing with First Financial Asset Management ( FFAM ), for several months about a bill from XXXX XXXX XXXX XXXX. FFAM says I owe {$300.00} total, {$250.00} for car damages to a side window and {$50.00} for an administration fee. Now the rental car did get broken into and I had to pay the repairs up front before I could even rent a new car. I sent the credit card statement to FFAM showing where I paid and my receipt from XXXX XXXX. Plus, you have to have an active credit card on file with a car rental company. In XX/XX/XXXX FFAM said that that the damages I paid for originally wasnt the same thing that they are trying to collect on. I then asked for an itemized list of the charges and they said I should have it within 3-7 business days. They did not even mail it until XX/XX/XXXX. Then the invoice in the letter was the one that I already paid and not even this {$300.00} that I owe. So I called FFAM on XX/XX/XXXX and was told that I have the invoice. Also, I realized the account number they claim is mine from XXXX XXXX isnt even my account number. I have gathered that there is no invoice for the {$300.00}, but they said they would mail it and I should receive it within 3-7 business days. However, when I ask for them to give me details about the invoice for the {$300.00} they just say that they are looking at it. I know they likely make commission off collecting this debt, but I want someone to just get rid of this debt that never existed to begin with. I know these individuals are just trying to do their job, but I want this over with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: TX

Complaint narrative:
Back in XXXX of this year, 2022, I did a balance transfer and made an error, causing me to end up with a negative balance on my Discover credit card. I made some purchases on that card to use up some of that balance but ended up leaving {$160.00} because I wanted to make a transfer back to that card from another higher interest card and use that money to defer some of the fees. 

I come back in XXXX and find that the money is gone. I contacted customer service ( don't remember the exact date ) and they tell me they sent out a check on the XXXX of XXXX. I told them I never received it and they confirmed that the check was never cashed. They said they would put a stop payment on it and send out a new one and I would receive it in XXXX business days. 

On XX/XX/XXXX, they credited and then debited my account {$160.00}. I didn't see this until the end of XXXX ( I don't check my accounts often, I probably should, lol ). Not sure why they would do this. It is now XXXX, and I still have no check. It seems like they are making this harder than it needs to be. Especially since the lady confirmed that the initial check was never cashed and all they had to do was cut a new one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
In their latest response, Experian continued to refer to the report in question as my " Experian Credit Report '' ( which it is not, rather it is their Experian Healthcare Report '' as provided to XXXX XXXX ). They also continue mailing the Experian Credit report ( about six or seven times now ), despite it not being challenged. One would think that, especially after two years and multiple complaints, they would break from this language. 

Further, after referring to my copy of their Healthcare Report ( attached, as provided to XXXX XXXX ) Experian, in their latest response writes : " In your complaint, you state that there are two data points in error on the report : estimated household size, estimated income. You are requesting that Experian address the data points in error. According to our records, the personal information you mention is not on your current Experian consumer credit report. We will be mailing a full report to you for review and confirmation. Please note that mailed correspondence may take up to 10 days for delivery through the US Postal Service. 

************Upon further research with our Experian Health division, we have been advised that the data points are already in progress to be updated. It is important to understand that it is impossible for any data provider, including Experian, to be 100 % correct, 100 % of the time and discrepancies or inaccuracies can occur from time to time. It is also important to understand that Experian Health employees do not possess the access or rights to change the data. '' After two years, they now understand which report of theirs we have been referring to and we applaud that. 

Now that they have addressed the erroneous data, presumably with its provider, and claimed to have updated it ( by now ), a new copy of that EXPERIAN HEALTHCARE REPORT- with the corrections they cite performing above - should be provided to me immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: IL

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX, 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 A section 2 ; it also states a consumer reporting agency can not furnish a account without my instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXXXXXX XXXX card was used without my permission in XXXX XXXX United States while I was in XXXX. The bank flagged the purchase as fraudulent contacted me and I confirm it was fraud. At that point are charge of approximately {$3000.00} was already authorized by the bank. The other charge got denied. I started a fraud claim at the same time and the claim was denied three times by the bank. The bank States that I need to investigate with the store myself for more information about the fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: NJ

Complaint narrative:
THIS IS A FOLLOW UP ON CLOSED CASE # XXXX I AM OUTRAGED AND DEMANDING A REINVESTIGATION. XXXX placed an invalid, unverified, fraudulent and illegal inquiry into my credit report without me authorizing their organization to view my credit history. This is a violation of Federal Law. XXXX is knowingly reporting false information to Transunion. This inquiry is NOT MINE, nor was it authorized by me, and XXXX has failed to verify it. Their actions constitute fraud under both Federal and State Laws, Violation of the Fair Credit Reporting Act and Defamation of Character. I am disputing this inquiry, through both the CFPB and the NJ Attorney Generals Office. I've asked for verification, they failed to supply verification. This inquiry is negatively affecting my credit report and score due to this company 's false reporting. I contacted XXXX and they have NO proof I initiated such an inquiry, nor written authorization. They have FAILED TO PROVIDE ANY PERMISSIBLE PURPOSE. what XXXX submitted do not constitute verification under the federal law or FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
all 3 bureaus have reported a MEDICAL DEBT on my reports, my score dropped dramatically

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: GA

Complaint narrative:
I have constantly trying to dispute incorrect information on my credit report from these agencies that are not governed by law via myself as well as a credit company and still have yet to see any results. Please rectify said issue, this is grave danger to my livelihood.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04 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: GA

Complaint narrative:
I have constantly trying to dispute incorrect information on my credit report from these agencies that are not governed by law via myself as well as a credit company and still have yet to see any results. Please rectify said issue, this is grave danger to my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Brightfunders, LLC
State: VA

Complaint narrative:
My mortgage loan was transferred from the previous lender to Lower. However, when the mortgage transfer occurred, my one-month payment was transferred as part of a bulk amount in XX/XX/2022 and Lower company never did their due diligence to apply that payment to my balance. I provided the Lower with the exact payment amount, tracking numbers, and bulk transfer number in XX/XX/2022. Nothing helped or they are not willing to work. As a result, for a few months, they kept my balance past due and even reported it as a delinquent payment to the credit bureaus. This not only hurt my credit score badly but also Lower has not even tried to fix the error despite the fact that I have contacted them multiple times to inform them of it and provided the bulk number information with transfer dates and amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: LA

Complaint narrative:
XXXX XXXX is reporting that the bankruptcy court furnished them with information from us bankruptcy court of New Hampshire XXXX I received a letter from that court stating they do not supply information to credit reporting agencies. I also contacted XXXX who also states the same, that they do not verify or supply these credit reporting agencies with information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: LA

Complaint narrative:
XXXX XXXX is reporting that the bankruptcy court furnished them with information from us bankruptcy court of New Hampshire XXXX I received a letter from that court stating they do not supply information to credit reporting agencies. I also contacted XXXX who also states the same, that they do not verify or supply these credit reporting agencies with information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: OH

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Opened XXXX {$130.00}, XXXX XXXX Opened XXXX {$620.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: OH

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Opened XXXX {$130.00}, XXXX XXXX Opened XXXX {$620.00} 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 2022-10-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
all 3 bureaus have reported a MEDICAL DEBT on my reports, my score dropped dramatically

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
all 3 bureaus have reported a MEDICAL DEBT on my reports, my score dropped dramatically

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