vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-20 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: NY

Complaint narrative:
Congress states : Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Under the FCRA, a states actual damages for violations of the FCRA if they were committed willfully and knowingly and if they happened because of negligence. Consumers can receive damages if there is a violation of the FCRA, whether the violation was intentional or not. The damages that a consumer may receive are not subject to any limit ; however, damages are generally between {$100.00} and {$1000.00} without any proof that the consumer suffered harm from the violation. These derogatory reports have negatively impacted my way of living and XXXXXXXX XXXX Account in question is US Dept Of EdXXXX XXXX # XXXX. The account is illegally publishing derogatory and inaccurate information on my consumer 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 non-monetary relief
Consumer complaint received 2022-09-20 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:
Congress states : Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Under the FCRA, a states actual damages for violations of the FCRA if they were committed willfully and knowingly and if they happened because of negligence. Consumers can receive damages if there is a violation of the FCRA, whether the violation was intentional or not. The damages that a consumer may receive are not subject to any limit ; however, damages are generally between {$100.00} and {$1000.00} without any proof that the consumer suffered harm from the violation. These derogatory reports have negatively impacted my way of living and mental health. Account in question is US Dept Of EdXXXX XXXX # XXXX. The account is illegally publishing derogatory and inaccurate information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have reached out to XXXX and XXXX to update my credit profile and remove inaccurate and fraudulent addresses, names and other information from my credit profile and they have refused to do so. i asked them to delete all of the following information and they have refused. XXXX XXXX XXXX XXXX Mi XXXX, XXXX XXXX XXXX Mi. XXXX, XXXX XXXX XXXX XXXX Mi. XXXX, XXXX XXXX XXXX, XXXX, Mi. XXXX, XXXX XXXX XXXX XXXX, Mi XXXX. These addresses are inaccurate and fraudulent and they need to be removed. These names are inaccurate and need to be immediately removed, XXXX XXXX XXXX, XXXX XXXX

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 2022-09-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: PA

Complaint narrative:
I called and asked to be refunded {$10000.00} in payments made during the payment pause. Despite there being a balance now on my account due to the refund request, they have yet to send me the money. They are not even providing a timeline. They clearly have proof that I made payments in excess of {$10000.00} during the payment pause, so I am unclear why the money can not be sent back immediately. Also despite requesting a refund for {$10000.00}, they only processed {$9900.00}. I realize it's a small difference, but I requested {$10000.00} and I paid more than {$10000.00}. I attached two of the largest payments made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
Some one stolen my identity, my social security number, date of birth, name, address and used that to open an online account with bank of America, I contacted the bank, they confirm the identity theft and said they closed that account. One of their suggestions is to report that to you. Also I filed a claim at the police station. So please help me out.

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 2022-09-20 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: AZ

Complaint narrative:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Another bank logged into my online account with my Wells Fargo username and password. They made an authorized wire transfer. Wells Fargo initially flagged the transaction and restricted my online access. When I explained the details to the bank, they denied my claim! They said they spoke to the recipient and the money was already used. The money was stolen from me! And Wells Fargo flagged it as fraud! What is the point of fraud if the money wont be returned to me when there is proof I didnt make the transaction?

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 2022-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION
State: CO

Complaint narrative:
I received a loan on my car I paid months in advance. Ive asked for extended temporary tags, as the car is still sitting because I never received my license plate or anything to register the car. I had the vehicle for 5 months never received anything for my vehicle to be registered. I gave the dealership and the bank my updated insurance and drivers license. A few days later I received XXXX letters from the back saying I have late payments on the vehicle all dates the same date and received on the same day with a rubber band around all the letters. I never received the money that was sent back to the dealership nor did I receive my car title.

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 2022-09-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently ordered my consumer credit file from XXXX, XXXX and Equifax and notice these late payments with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I am requesting all late payments be removed from my file this finding has caused stress, my credit utilization to increase which ultimately has caused a low credit score and credit denials along with higher interest rates. 15 USC 1666 Does not include Late Payments. Please remember 15 USC 1681 ( b ), & 15 USC 6802. I have a right to privacy and I never gave any of the credit reporting agencies permission to furnish a report on me in the first place. The line of credit that I have with your company, which is characterized as utilization on my consumer report. Your company is illegally reporting this experience i.e. my utilization. On my credit report. Your company is in clear violation of the law pursuant to 15 USC section 1681 2 ( a ) ( i ) -exclusions except as provided in paragraph three, consumer report does not include a subject to section 1681S - 3 -of this title any ( i ) Report containing information solely as two transactions are experiences between the consumer and the person making the report. The law clearly states transactions or experience between the consumer which is myself and you the corporation making the report are not included on my consumer report. Utilization is an experience with the line of credit that was extended between the Consumer and me the person. Congress clearly states that the reporting transactions are experience between the consumer and the person making the report is not to be included on internal reports. My privacy rights has been violated and I have been denied credit due to your reporting of late payments and utilization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: TX

Complaint narrative:
I recently ordered my consumer credit file from XXXX, Experian and XXXX and notice these late payments with XXXX XXXX XXXX XXXX  ACCT # XXXX. I am requesting all late payments be removed from my file this finding has caused stress, my credit utilization to increase which ultimately has caused a low credit score and credit denials along with higher interest rates. 15 USC 1666 Does not include Late Payments. Please remember 15 USC 1681 ( b ), & 15 USC 6802. I have a right to privacy and I never gave any of the credit reporting agencies permission to furnish a report on me in the first place. The line of credit that I have with your company, which is characterized as utilization on my consumer report. Your company is illegally reporting this experience i.e. my utilization. On my credit report. Your company is in clear violation of the law pursuant to 15 USC section 1681 2 ( a ) ( i ) -exclusions except as provided in paragraph three, consumer report does not include a subject to section 1681S - 3 -of this title any ( i ) Report containing information solely as two transactions are experiences between the consumer and the person making the report. The law clearly states transactions or experience between the consumer which is myself and you the corporation making the report are not included on my consumer report. Utilization is an experience with the line of credit that was extended between the Consumer and me the person. Congress clearly states that the reporting transactions are experience between the consumer and the person making the report is not to be included on internal reports. My privacy rights has been violated and I have been denied credit due to your reporting of late payments and utilization.

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 2022-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Dear rep ' Please be notified that in the last XX/XX/XXXX, i agree to exept " Citi Dimond Preferred card '' offers of balance transfers with 0 % APR for one year, i requested balance transfer to my credit card account with XXXX XXXX of XXXX, and i start send citi diamond first payment at XXXX XX/XX/XXXX, sinc XX/XX/XXXX till XX/XX/XXXX i end up sending to citi dimond payments total of {$17000.00}. 
when i recieved the last statment for XX/XX/XXXX showing balance of {$3600.00}, i decided to check that with XXXX XXXX, i spoked with the super visor of XXXX XXXX that review my account back for 14 months, find that NO money was transferd by citi dimond whath 's or ever. 
on the top of that citi diamond claim sending found under my name to XXXX XXXX XXXX XXXX XXXX, that not even belong to me, i never add any XXXX XXXX XXXX 
i want to indicate that citi diamond did not send me any card with my name. 
i'me XXXX XXXX XXXX, living on social security income, and raising my XXXX grendchildren, i can't afford to loss money. 
please, i desperately need your help to solve this issue by getting my money refund to me. 
I having all the docments to proofs this claim. 

Thank you. 
Sincerely, XXXX XXXX

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 2022-09-20 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I filed for XXXX XXXX  bankruptcy XXXX  years ago. All of my loans were part of the bankruptcy but interest is still accruing and payments are still being expected. 

Now my loans are getting transferred all over the place when they should have not even existed at this point. 

This private loan was also taken out for XXXX tech which has been shut down for predatory business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: PA

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-09-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
ERRONEOUS CLOSING OF MY VICTORIA SECRETS ACCOUNT XXXX I recently called into Victoria Secrets to see if I owed anything this month for my credit card and to my shock and surprise I was told that my credit card was closed due to fraud. I never called and reported fraud on my Victoria Secrets card or to any of the credit bureaus concerning Victorias Secrets. This has hurt my credit score and my business I have a small business and I use the products from this company to fill my orders. I have spent a great deal of money with this company to be treated like this. I called on last week to speak with someone in the fraud department and they told me that they would escalate this to a manager and call me back. I have not heard back from a fraud manager or anyone. This has caused undue stress, with the uncertain future of my business. I have had this card for years. The credit bureaus are supposed to provide accurate reporting. Please forward this note to the attorney general in your state I am in the state of Texas so I can handle the Attorney General filing on this end. Consumers should not have to endure this type of anguish. Today I called Victorias Secret to speak with someone and the automated system hung up on me after I put my information in because it said that my account was closed. This is also embarrassing because it reads on my credit report that account was closed by creditor as if I dont pay my bills. This is defamation of character and an invasion of privacy. This error also violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Law Offices of Hayt, Hayt & Landau, LLC
State: NJ

Complaint narrative:
XX/XX/2022, a debt collector firm " XXXX XXXX XXXX XXXX XXXX '' sent me without my prior consent a XXXX letter stating, I owed a debt and used false, deceptive, misleading representation and implications that the communication was from an attorney. They are attempting to collect an alleged debt that was charged off on false claims of on behalf of another company. Also they now violated 15 U.S. Code 1692i ( b ) as they have filed legal actions against me as debt collectors on XX/XX/2022 without no authorization from me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
I paid off a leased vehicle with Toyota Financial over 1 year ago. The tags on the vehicle expired in XX/XX/XXXX. I never received a title. I contacted Toyota Financial in XX/XX/XXXX to request a new title and was told that they had to request a replacement title from the Virginia DMV, and could take up to 60 days. 60 days passed of driving on expired tags and we still have not received a title. My husband called Toyota Financial and explained that we had not received the title. They stated they could overnight a lien release letter and we could take to the DMV to get the title printed. Upon taking that letter to the local DMV, my husband was given a replacement title for someone from Toyota Financial to complete. I called and was given a fax number to send the form to and it would be3 completed within a " few days ''. I told them that this was unacceptable and I needed a email address of who to send the form to be completed. He drove 30 minutes away to the DMV and I had to wait on and off hold with several employees and still was not given contact information to the person completing the form because that person " works in administration and does not talk to customers '' I requested and still would talk to someone in administration at Toyota Financial. It is XXXX, and I still do not have a title from a vehicle I paid off in XX/XX/XXXX. I need my title or I need my {$26000.00} refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US)
State: NC

Complaint narrative:
I received a written notification about debt I supposedly owe in the amount of {$34.00} from XXXX  to XXXX XXXX. XXXX XXXX reservations are paid in full upfront. I would not be able to start another reservation without paying for a previous one. I did not receive enough information to verify this debt, and it is also being presented after so many years have gone by.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
I am writing in regards to the collection with XXXX XXXX. They are trying to collect {$940.00} for Comenity Bank / Boston Store. I spoke to them on XX/XX/22 and I requested an itemized bill. Also, Boston Store went out of business about 3 years ago. I spoke to a XXXX XXXX who said she would send verification. To this date, XX/XX/22, I have not received verification from them. I also called them again 2 weeks ago to request the verification. The representative argued with me and still has not sent proof that I owe this bill. I tried to dispute the item with XXXX and it came back saying that the case that the dispute investigation was done. I know I do not owe this bill. The collection agency has failed to provide me with proof. I want this to be removed from my credit record.

Company response to consumer: Closed with explanation