vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-24 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: NY

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 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. 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 2023-01-24 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: VA

Complaint narrative:
On XX/XX/2022, letters were sent to each credit bureau reporting agency requesting they verify the accuracy and authenticity of specific negative accounts I found on my credit report. Correspondences were sent certified mail ( see attached ). 

Upon conclusion of their investigations, the inaccuracies still remained on my credit report, causing irreparable harm with my interactions with creditors in trying to obtain loans and lines of credit to start my small business and also to obtain prequalification for a mortgage to purchase my first home. 

The Credit Bureaus stated the accounts were properly investigated but how is it possible that there are still inaccuracies such as Date Opened, Date Last Active and Date Last Reported, no Payment History, and inaccurate comments. This is grounds for removal and they also violated my rights under the follow statute : 15 U.S.C. 1681 sec 602 A - States that I have a right to privacy.

15 U.S.C. Section 604 A Section 2 - States that a consumer reporting agency can not furnish a account without my written permission. 

Also the credit bureaus took more than 30 days to complete their investigation see attach for certified mail tracking info.

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 2023-01-24 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: VA

Complaint narrative:
On XX/XX/2022, letters were sent to each credit bureau reporting agency requesting they verify the accuracy and authenticity of specific negative accounts I found on my credit report. Correspondences were sent certified mail ( see attached ). 

Upon conclusion of their investigations, the inaccuracies still remained on my credit report, causing irreparable harm with my interactions with creditors in trying to obtain loans and lines of credit to start my small business and also to obtain prequalification for a mortgage to purchase my first home. 

The Credit Bureaus stated the accounts were properly investigated but how is it possible that there are still inaccuracies such as Date Opened, Date Last Active and Date Last Reported, no Payment History, and inaccurate comments. This is grounds for removal and they also violated my rights under the follow statute : 15 U.S.C. 1681 sec 602 A - States that I have a right to privacy.

15 U.S.C. Section 604 A Section 2 - States that a consumer reporting agency can not furnish a account without my written permission.

Also the credit bureaus took more than 30 days to complete their investigation see attach for certified mail tracking info.

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 2023-01-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: NJ

Complaint narrative:
I got the private student loan with American Education Services in XXXX and approved for XXXX dollar. I made a payment since XXXX made my payment since then which totals approximately XXXX dollars now. However I still have remaining balance of XXXX dollars. 

Account # XXXX Borrowed : {$20000.00} Paid : {$37000.00} Remain to pay : {$10000.00} as today 's date of XX/XX/XXXX Creditor : American Education Services ( www.aessuccess.org ) / XXXX I had talk with CS team and lender whom said I can not lower my balances anyhow. 

Please let me know what I need to do to avoid my remaining balances

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: UT

Complaint narrative:
The CFPD submitted my complaints to the credit Companies and all the three credit bureaus did was respond with the same old response of ( credit reporting was verified as accurate ). HOW WAS IT VERIFIED? I'm not sure what exactly theCFPD does here what's the point if all the companies have to do is resite the same old garbage they do everyday. This is interfering with me buying a home. I'm on XXXX and have limited resources for home purchase.

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 2023-01-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
My mother found 2 certificate of deposits in an old safety deposit box in XXXX, NC. One CD is for {$1000.00} and the other CD is for {$1400.00} that were purchased by her by were for myself when I was little. They were issued by the XXXX XXXX  XXXX  XXXX XXXX in XXXX, NC. Upon further research, it was determined this bank is now Truist. When she went to the bank to attempt to cash them in, she was told there was no record of them and they would not be able to give her the money earned. 

I have attempted to get ahold of Trust to see if anyone could help me but have had no luck and would like to cash in these CDs so I can put the money in savings as my mother had originally intended when she purchased them in XXXX  and XXXXI have attached a picture of the CDs to this complaint.

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 2023-01-24 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: FL

Complaint narrative:
All these accounts are fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: FL

Complaint narrative:
All these accounts are 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 2023-01-24 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I purchased two acrylic prints for my wife for our anniversary. I paid through PP using my credit card. When I received the prints they were damaged and I requested a refund through PP. This went nowhere, so I contacted Citi to step in and resolve the matter. I submitted images to Citi showing the damage and their 'investigator ' resolved the dispute and is holding me accountable. 

How is this possible? I paid good hard earned money for an item, and I received something not as advertised. They had damage, so much so that you can not hang them on a wall or look at them. 

I am requesting that Citi do the ethical thing here and resolve this dispute in my favor for paying for and receiving damaged items. If the merchant wants the damaged items back, they can send me a prepaid shipping label and I will gladly send them back, but I refuse to come out of pocket to mail these things back to XXXX. 

Thank you

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 2023-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
My air conditioner went out and I was told that I didn't have coverage. When I went to take the truck back.

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 2023-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
Transworld Systems Inc Is continuing to report on my credit report despite my demand to cease and desist all forms of communication and reporting. Updating the reporting to disputed does not satisfy the cease and desist and deletion. Credit Reporting Is Attempting to collect. I did not request a validation of debt. I am outright denying any obligation to pay. No such contract exists between Transworld Systems Inc, nor the creditor and myself XXXX : XXXX. Please consider this notice a pre-litigation notice. Actual damages will be sought.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
I am filing a complaint as a general consumer credit reporting concern for unfair reporting practice, as opposed to a specific reporting error I have experienced on my own credit report. 

I work in the field of consumer and business finance, regularly working with clients attempting to get direct or indirect funds for business start-up. 

There are many occasions when clients at some point in their credit history have shown late payments on a student loan, and their scores appear meaningfully lower than what they anticipated. 

A commonality in many of those instances is that a borrower who may have a single loan payment due to their student loan serving company actually shows several different credit account lines on their credit reports, all timed to the same loan payment. 

Each semester that a loan advance is issued, a separate trade line appears on the credit report, but these various loan advances, once they come into repayment status, are generally made to the XXXX XXXX as part of a single, consolidated payment. 

If there ever is a late payment, such as when a loan comes out of deferment without a borrower 's realization, the credit bureau does not simply show one late payment. It reflects every single trade line, for each separate loan advance, as having had a missed payment. I have witnessed clients who likely were late on a single payment, or a single loan for multiple payments, whose credit report is unfairly harmed by several different loan advance trade lines all reporting as if the individual payments were late, instead of just a single payment account being delinquent. 

I have personally observed examples of 8 to 12 different adverse trade lines reporting as a result of a single payment being late. 

This practice is punitive and, in many cases, is not at all reflective of the payment history the borrower demonstrates across their broad credit file and history. 

I do not know where this observation is best directed, but I felt that making the CFPB aware was the best starting point, with my local legislators being next, in case there is an ability to direct student loan companies to fairly report one late payment as one late trade account on the bureau when there is only one actual payment being processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Interest rates rose immensely after pay off.

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 2023-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
Mohela incorrectly sent me a letter stating that one of my prior government employers did not list their contact information. 
I have tried multiple times to get someone from Mohela on the phone but can never get through. 
I'm attaching my PSLF forms again to the CFPB complaint, and I want Mohela to correctly process my information and forgive my student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24 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:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-01-24 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: CA

Complaint narrative:
From XX/XX/XXXX to about XX/XX/XXXX, I was a victim of identity theft where an unknown person was using my name and personal information to open multiple bank accounts XXXX XXXX  XXXX XXXX and XXXX ), as well as lease an apartments ( XXXX XXXX XXXX ) with my identity. The total amount was {$5700.00} dollars. I have alerted banks creditors and leasing agents to try and help resolve this issue. To my knowledge the thief opened up a bank accounts in XXXX XXXX and leased apartments in XXXX XXXX Nevada.

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 2023-01-24 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:
I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX FL XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-01-24 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: CA

Complaint narrative:
I applied for consolidation prior to the XXXX waiver and was told all prior payments would be automatically transferred to the new consolidated loan. After several months the number has yet to update. I've contact Mohela several time but keep getting different reasons as to why the number has yet to update. They have confirmed that the certification of employment is on file but refuse to update the payment count.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had an account with Wells Fargo from XX/XX/XXXX to XX/XX/XXXX. During that time I noticed many banking errors and discrepancies with my balance. Another account appearing and disappearing from my profile, and amounts being rearranged that cleared more than a month ago to cause me to pay multiple overdraft fees.

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 2023-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: WV

Complaint narrative:
The debt is with a collection company that I made an agreement with online to pay in which I am paying weekly. I keep getting letters that threatened to garnish personal property / wages and calls if I could pay the full amount or increase the payments. I told this company on two different occasions the amount is all that I could afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: HI

Complaint narrative:
An energy account was opened in my name and social security number in two different utility companies in XXXX Tx. I live in Hawaii. 

XXXX XXXX : account open and closed XX/XX/XXXX - XX/XX/XXXX amount owed XXXX. Notified by XXXX a debt collector through XXXX on XXXX XX/XX/XXXX XXXX Power account opened and closed XX/XX/XXXX - XX/XX/XXXX. Notified by phone of amount due XXXX by Transworld Systems Inc a debt collector on XX/XX/XXXX. 

I have contacted both energy companies about the fraud in my name and SSN.

I am in the process of filing a police report here in Hawaii and will need to provide this report to both companies and collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I had submitted these unauthorized complaints to Bank of America multiple times over the years I've had an account with them. I had notified them of the times when my debit card information had been stolen and used. When I was tired of the horrible customer service with Bank of America in 2018 and closed my account, they told me these unauthorized disputes I filed would be refunded via a separate check, and I confirmed with customer service multiple times before closing the account. To this date, I never got the unauthorized disputes processed and after visiting a branch in XXXX, VA, the bank even wanted to charge me over {$200.00} for accessing the old statements and filing the disputes which is outrageous when they are the ones who failed to process these unauthorized disputes months or years ago. I have proof of phone records, eMessage and email correspondence. Please investigate into this.

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 2023-01-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am currently facing one of the biggest fights of my life. I am under a lot of medication, XXXX and XXXX. I am sometimes left exhausted and with other side effects. I have managed to maintain all of my capital one cards in good standing. However due to a hiccup I had on one account, I mistakenly selected the wrong bank for a payment of {$25.00} that was returned, Capital One closed all my accounts like the cold blooded lenders they are. I would like these account to be reinstated since they were closed in error and for them to consider that perhaps some of us are fighting a battle everyday bigger than a return check fee could ever be worth.

Company response to consumer: Closed with explanation