vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-07 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: LA

Complaint narrative:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/XXXX ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX an account was opened and i was approved for {$300.00} credit limit. XX/XX/XXXX I order a cease and desist and a letter to verify who is the original creditor, but I received no response. I also sent an sent an invoice with federal law violations that target violated and never received a response. Also my card is froze and unauthorized information has been added to my credit report. 15 U.S.C. 1681b ( 2 ) states that consumer reporting agencies shall not report any information unless the consumer gives written instruction to do so. I haven't given any written consent to report anything positive or negative 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 explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX an account was opened and i was approved for {$300.00} credit limit. XX/XX/XXXX I order a cease and desist and a letter to verify who is the original creditor, but I received no response. I also sent an sent an invoice with federal law violations that target violated and never received a response. Also my card is froze and unauthorized information has been added to my credit report. 15 U.S.C. 1681b ( 2 ) states that consumer reporting agencies shall not report any information unless the consumer gives written instruction to do so. I haven't given any written consent to report anything positive or negative on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX an account was opened and i was approved for {$300.00} credit limit. XX/XX/XXXX I order a cease and desist and a letter to verify who is the original creditor, but I received no response. I also sent an sent an invoice with federal law violations that target violated and never received a response. Also my card is froze and unauthorized information has been added to my credit report. 15 U.S.C. 1681b ( 2 ) states that consumer reporting agencies shall not report any information unless the consumer gives written instruction to do so. I haven't given any written consent to report anything positive or negative 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 explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NJ

Complaint narrative:
Dear CFPB My name is XXXX XXXX and I am a Federal Student Loan borrower with FedLoan Servicing. I have contacted FedLoan on XX/XX/XXXX and disputed contradictory letters I have received ; FedLoan Servicing never responded. 

I contacted FedLoan via chat XX/XX/XXXX to understand how my payments were calculated towards the PSLF/TEPSLF programs. I requested a review of a number of payments that were incorrectly marked as ineligible for the TEPSLF. It would appear I should be eligible to apply XX/XX/XXXX. 

I contacted them again on XX/XX/XXXX as no updates had been made to my account. They informed me it could take up to 90 days for the review to be completed. On this date of contact, 105 days had passed. 

I submitted an application for forgiveness on XX/XX/XXXX. On XX/XX/XXXX, I receive a letter stating I had only made XXXX payments towards the TEPSLF program. However, all of the payments since my previous employer certification from XX/XX/XXXX to the current date were not included, adding an additional 9 payments, bringing my total to 119 payments. 

On XX/XX/XXXX, FedLoan contacted me via phone and informed me that if I resubmitted my application on XX/XX/XXXX or later, I would meet the 120 qualifying payments. 

My application was resubmitted and received on XX/XX/XXXX. 

On XX/XX/XXXX ( dated XX/XX/XXXX ) I received a letter confirming I had made 120 qualifying payments for the TEPSLF program. My account was also updated to reflect I met the 120 qualifying payments. 

On XX/XX/XXXX ( dated XX/XX/XXXX ) I received a letter stating I was ineligible for forgiveness under the TEPSLF program as I only had 110 payments. It is impossible for my payment count to still be 110 6 months later when I meet the criteria. 

I have not changed my qualifying employer in over 9 years and previously worked at a qualifying employer ( all of which has been verified by FedLoan ). 

I am asking you the CFPB to contact FedLoan Servicing and get FedLoan to fix this and forgive my loan as I have submitted my application, meet the criteria, and have surpassed the number of qualifying payments. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: LEXISNEXIS
State: TN

Complaint narrative:
My protection 's privileges have been penetrated and intruded by this bureau which is an immediate violation of federal law. This bureau reporting misleading accounts on their website without my written consent and this is another violation as well. It is their responsibility to ensure fairness, impartiality and protect the consumer 's rights of privacy. I am distressed with their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To whom it may concern : The following student loan accounts are all from over a decade ago, and the date of first delinquency is well over 10 years on each of them. The date of first delinquency shown on the credit report is INCORRECT! These student loans must be removed from my credit report immediately. 


U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX Date Opened XX/XX/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 2021-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: FL

Complaint narrative:
Enhanced Recovery Comp at XXXX XXXX XXXX, XXXX, FL XXXX has been sending me collections notices in the amount of {$630.00}. The collection has been reported as pasted due balance. I don't know this company. Have never done business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: DE

Complaint narrative:
On XX/XX/21 I applied for a loan from them for {$2000.00}. I received an email stating the loan was approved XX/XX/21 and they needs a photo ID. I uploaded my drivers License to verify my indenture. I then received an email today XX/XX/21. Stating my loan balance was due in full however I never received any funds. The letter also had no balance. I called into customer service and the repressive stated the loan is approved for {$2000.00} and that I need to upload a selfie picture to verify my identity & that this was a new security process for them. I advised her I uploaded the front & back of my drivers license and didnt understand why I would need to take a selfie and send that too. The representative stated she knew the new security measures they put in place would cause an issue but yo just upload it per the loan officer & to call back in an hour to verify it was received. I complied called back 2 hours later and that representative stated I needed to take a selfie of me holding my license so the loan would go thru the final approval process and be funded to call back in an hour ensure they received the selfie. Well I received 2 emails at XXXX XXXX  stating they couldnt approve the loan, an email at XXXX stating. 
Cash Central approved* you for funds up to {$2000.00}. All you have to do now is click here to verify your identity and request your funds. Act now and have the money you need in your hands tomorrow! **then 2 emails at XXXX stating After carefully reviewing your application, we are sorry to advise you that we can not grant you a loan at this time. If you would like a statement of specific reasons why your application was denied, please contact our customer service department shown below and reference code ( s ) XXXX within 60 days of the date of this letter. We will provide you with the statement of reasons within 30 days after receiving your request. So I tried to call them at XXXX its not in service called XXXX its not in service XXXX. Also not in service. 
I feel they are discriminating against me racially due to my drivers license picture and selfie. I also I believe they are violating lending laws after advising me I was approved them stating I am not. I feel like their advertising is a scam to get my personal information and sell it & they never had any intentions of giving me this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
consumer credit transaction initiated with Bank of America for mortgage loan via credit Application Ending in : XXXX. 
Bank of America by deceptive, unfair and discriminatory acts allege that a fully executed purchase agreement was required for pre-approval letter by bank to facilitate transaction. 
Bank of America cancelled transaction and would not respond nor advise how a fully executed transaction could be obtained without pre-approval letter by bank to realtor as to what could be offered for purchase agreement. 
This is deceptive as a fully-executed agreement is impossible without disclosure of amount pre-approved to offer ( e.g. one million, two million etc. ).

This is unfair and discriminatory per 12 CFR 1002.2 ( n ) Discriminate against an applicant means to treat an applicant less favorably than other applicants. 
XXXX XXXX Resolution Specialist Regulatory Complaints evaded providing response alleging issue was resolved which is false, deceptive and unfair. XXXX alleges that credit application a new credit application is required after 120 days but have not clarified why a fully executed purchase agreement is required before a pre-approval letter can be provided. This act is fraudulent and unauthorized per 15 USC 1602 against consumer otherwise identity theft. 
Further escalated dispute and have not heard back since XX/XX/2021 from XXXX XXXX Senior Resolution Specialist Regulatory Complaints ( see attached ) regarding why a fully executed purchase agreement is required for a pre-approval or why I was discriminated unfairly as a consumer. As of today no response nor resolution has been received.

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 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP
State: GA

Complaint narrative:
After reviewing my credit report, I noticed Elan Financial Service company pulled my credit, and I have not given the company permission or reason to run my credit. I did not authorize that. I did not apply for credit with the organization. I've contacted the credit bureaus had no success wasn't able to get the situation resolved.

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 2021-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PNC Bank N.A.
State: AL

Complaint narrative:
According to PNC bank I am in depth {$150.00} that isnt suppose to be there. I didnt receive a mail in the mailbox until a year later, which is now a couple of months ago, that stated that I am in dept. They said that my account was closed and I owed money but I never received a mail in the mailbox to get a chance to dispute it within the 30 days ; even if they did claim to send one out. Also, there had been transactions on my account that I didnt make that I had to get disputed and I closed my account out around that time as well. I tried working my way up the chain to get some type of assistance and they just told me that there was nothing they could do about it even though the dept isnt suppose to be there and even though I never received a mail in the mailbox. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FORD MOTOR CREDIT CO.
State: OH

Complaint narrative:
XXXX XXXX was repossessed after late payments due to XXXXORONA. I am a small business owner who saw a 90 % decrease in sales and my income starting in XX/XX/XXXX and well into XXXX. Ford did not allow me a lower rate or hold on payments they repossessed the car and left me with no car to get to my work, and reported late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via credit, debit card, and through an intermediary named XXXX in the total amount of XXXX USD utilizing Wells Fargo services.

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 2021-10-07 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: FL

Complaint narrative:
I requested of Equifax there method of verification proving that an account that I allegedly had with XXXX  XXXX XXXX was been reported on my credit report accurately. This request was received by them on XX/XX/XXXX and almost two months later they have failed to respond to such a request and this is a clear Fair Credit Reporting Act violation. On the last credit report that I got from Equifax it states that the XXXX  XXXX XXXX Account went into a charged off status in XX/XX/XXXX and this is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: FL

Complaint narrative:
I have reached out to Transunion, XXXX, and XXXX for the last year or so regarding inaccurate information that is being reported on my credit file concerning bankruptcy. Every time I would reach out to these three companies, to have them remove this bankruptcy due to inaccurate information, they keep stating the company that reported the information to them has certified to their company, the information is accurate. I've asked them several times to provide me with the name of the company and the name and the telephone number of the person, who verified the information, and the documents that were sent to your company to verify this information. Also, these 3 bureaus companies are lying and reporting false information because I reached out to XXXX XXXX and I called them and they stated that you all have not reached out to them because they dont have anything on file and Ive also included the letters that I received from them as well and also I included a letter from the courts stating that they do not report anything to the credit bureaus. So, how are you really verifying this information? Once again, please delete/remove this bankruptcy and send me an updated copy of my credit report. PLEASE DELETE IMMEDETIALY.

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 2021-10-07 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 — Problem with personal statement of dispute
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This company is currently showing 30 days late XX/XX/2021. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
After filing and identity theft report with the FTC regarding attempt to gain credit access, accounts were not opened but inquiries were still placed. Sent XXXX, XXXX and Transunion Method of Verification Letters. Requesting who, when, documentary evidence, and title of the alleged creditor, they conducted an investigation with since they claimed accounts were verified I have not received any evidence. inquiries and an account XXXX  account being disputed was just updated and verified again with no proof. 15 USC 1692j furnishing deceptive forms, when XXXX and XXXX mailed forms with claims that accounts were verified, they violated federal law. Federal law requires and investigation as conducting interviews not scanning through eoscar. I am a federally protected consumer and natural person and these credit agencies are civilly unwilling to comply 15 USC 1681n

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 2021-10-07 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 have never been associated with collection account XXXX XXXX or their utility company in question. This account must be removed from my credit report immediately. I will file a lawsuit against all parties involved if this collection remains on my credit report for longer than the time allowed for you to look into this as legislated by the FTC.

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 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
After reviewing my credit report, I noticed XXXX XXXX XXXX XXXX pulled my credit, and I have not given the company permission or reason to run my credit. I did not authorize that. I did not apply for credit with the organization. I've contacted the credit bureaus had no success wasn't able to get the situation resolved.

Company response to consumer: Closed with explanation