vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Ascent Holding Co
State: FL

Complaint narrative:
This loan is for a XXXX XXXX. I signed a tuition refund guarantee, and then after Hurricane Ian destroyed the XXXX XXXX XXXX  Florida, I needed an extension on the XXXX end date. This extension nullified my tuition refund guarantee but, I signed it under duress. I explained to XXXX/Ascent my situation and they increased my loan amount in retaliation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. 

XXXX XXXX XXXX Date of Inquiry XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021

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 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. 

XXXX XXXX XXXX Date of Inquiry XX/XX/2021 XXXXXXXX XXXX  Date of Inquiry XX/XX/2021

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 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
accordance to the fair credit reporting act this creditor has violated my rights. Under 15 U.S.C. 1681 section 602 states I have the rights to privacy, 15 U.S.C. 1681 section 604 ( a ) section 2 also states consumer reporting agency can not furnish an account without my wriiten instruction, under 15 U.S.C. 1666 ( b ) a creditor may not treat payment on a credit card under a open and consumer or credit plan as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting 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 reviewed my consumer reports and noticed that I had two late payments on the below accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts that are listed below. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER LATE. Thanks...

If, any reinvestigation under paragraph ( 1 ) of any information distributed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall...

( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and Inquiries : XXXX Account Name : XXXX Account number : XXXX Date XXXX Last reported date : XXXX XXXX Last active XXXX Account Name : Account number : XXXX Date opened : XX/XX/XXXX Last reported date XXXX XX/XX/XXXX Last active XXXX Account Name : XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXXXXXX  Last reported date : XX/XX/XXXXXXXX  Last active 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 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian XXXX XXXX XXXX I never apply or do business with this company XXXX XXXX XXXX they report a collection to my credit for {$590.00}. This collection do not belong to me need to be removed from my credit immediately. 

XXXX XXXX XXXX XXXX XXXX I never do business with this company they report a collection from my credit for {$1600.00}. This account do not belong to me need to be removed 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 2023-08-27 00:00:00
Product: Credit reporting 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:
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. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX. The following account is not mine AMEX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The following account is not mine XXXX HON Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 
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 item of information, other than records of convictions of crimes, 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. 
Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-08-27 00:00:00
Product: Credit reporting 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: FL

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. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX. The following account is not mine XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 
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 item of information, other than records of convictions of crimes, 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. 
Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXXXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
In accordance with Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 


I told the Experian, XXXX, and XXXX to reinvestigate these accounts XXXX XXXX : account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more According to 15 U.S.C 1681 i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602A. 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2023-08-27 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I placed an order with lane bryant on XX/XX/XXXX and they double charged. I spoke with XXXX at comenity bank her extension is XXXX she stated it would be removed on the XXXX and it's not. I have been lied to by comenity bank as they doubled dipped and refuse to take care of it i placed a complaint with the XXXX  and found out they had an alert XXXX  all the complaints they recieved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX removed the alleged debt from their credit file. Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). I reserve the right to protect the privacy of my personal information and medical records from all third party reporting agencies.

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 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX removed the alleged debt from their credit file. Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). I reserve the right to protect the privacy of my personal information and medical records from all third party reporting agencies.

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 2023-08-27 00:00:00
Product: Credit 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: DISCOVER BANK
State: MI

Complaint narrative:
I filed a dispute with Discover Card for item I didnt receive. Discover card stated denial for it charge being valid. I called and refiled dispute as merchant ( XXXX ) wouldnt help with refund despite provisional refund but then retracted and said item I pre-ordered earlier this year wasnt XXXX guaranteed. Seller didnt state when they would ship, refund and on XX/XX/23 stated via XXXX message sorry I dont have it. I sent order, messages and made a formal dispute letter with Discover. Discover still denied my dispute. I just received an email message today my dispute was denied. Discover card wanted a letter Im due a refund. Seller didnt try to even notify when they would ship as they never had the item as they messaged me that. I filed a complaint with FTC, contacted XXXX seller and Discover card. I even contacted Discover and have messages about concerns this wasnt properly investigated as they asked me for a tracking number. I dont have one as seller never followed FTC rule to contact me if theres a delay if I want to wait, when they would ship or refund. Discover card I dont feel made an effort to help me with this. I even sent messages I talked on chat with XXXX on XXXX about not getting items and he acknowledged. I have reference numbers of talking with representatives from XXXX and it didnt matter. Discover card wants a letter that Im due a refund. I call XXXX and all they sent was purchase order and that shows it was paid for but not shipped. XXXX will not cooperate so Discover card stated insufficient evidence. The seller clearly didnt ship item and will not refund me. Discover Card did not mail me evidence of why they denied my dispute twice. I paid XXXX for items never even shipped. I feel scammed and FTC rule was not followed abs Discover card will not help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
This is a followup to the response sent by USAA regarding a complaint filed on XX/XX/XXXX. USAA closed an account for the detection of business transactions on a personal account, and while it is not humanly possible to disprove a negative please follow the following logic : This is a personal account that has received XXXX XXXX  and XXXX  payments and subsequently a XXXX XXXX XXXX payment from the same party. The final dissolution of marriage agreement from XXXX of 2019 specifically designates equestrian expenses for two XXXX  children as an upward deviation in the amount of {$5000.00} per month. This is a clear and specific court recorded use of personal funds from a personal account. The life insurance policy was a payment covering the alimony and the child support. It would follow that these are personal expenses for the minor children, pertaining to properties, activities, and expenses of a personal nature. USAA additionally insured the personally owned truck and XXXX horse trailers. 

While we do maintain a business account with the appropriate XXXXIN number for training and sales of XXXX all expenses relate to the personal farm, vehicles, and horses related to and belonging to the XXXX minor children and former spouse designated in the dissolution of marriage, and the alimony protected by life insurance. 

USAA gave no opportunity to address these issues, and never communicated at any point in their investigation what transactions they were claiming to be business expenses, hence the new complaint. Prior to the CFPB sending notice that USAA had responded to the complaint, there was no opportunity to answer any of the allegations. I would be happy to provide a copy of the dissolution of marriage and the line item regarding personal expenses for two XXXX, and proof of personal ownership of said horses, assets, and farms. 

As stated in the original complaint, he closed account was also the account that received the children 's Social Security Survivors Benefits, and the account that pays the mortgage and insurance on the farm that is currently in probate, personal processes that caused extreme duress and trauma to put into place, compounded by having to navigate those processes again. Most of the accounts have been moved to another bank, on principle USAA should reimburse the fees involved, and rectify problems with credit reporting issues that will no doubt arise from this closure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: VA

Complaint narrative:
EdFinancial is refusing to accept payment for loans while they are making changes to their servicing site. This has been ongoing since XXXX and Edfinancial is now stating they may not have this resolved before XXXXXXXX. I have been attempting to submit payment for my student loans and they are not allowing any payments to made, can not locate my loans in their portal, and are attempting to delay access to the student loan payment portal until after the expiration of the zero interest which would result in them charging and collecting money to which they are not entitled.

Company response to consumer: Closed with explanation