vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act Bankruptcy XXXX XXXX Docket # 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 without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-11 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act Bankruptcy XXXX XXXX Docket # 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 without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
" I am a member of a group attempting to get free from the terrible Spousal consolidation loan product of early 2000 's which was discontinued due to just how bad of a situation it put people in. This loan was sold as FFELP by govt. to private service companies so not only is it currently impossible to separate the loans after divorce, I am not eligible to consolidate into a Direct Loan that would allow for a more reasonable income based refinancing option or qualify for PSLF which I would surely be eligible for based on my close to 2 decades working in the non-profit XXXX XXXX field in XXXX XXXX XXXX, where I currently the XXXX XXXX of a private not-for-profit Supported Employment program for adults with severe XXXX  XXXX. I have made every single payment both when married and once divorced, at the expense of other things such as owning a home, and am requesting your assistance to put me back on an even playing field with those in Direct loans and eligible for PSLF.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 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: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX account student loan XXXX XXXX, US Dept of EDXXXX XXXX XXXX US Dept of EDXXXX 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, Also states a consumer reporting agency such as EXPERIAN, XXXX AND XXXX can Not Furnish a account without my written signature or instructions to do so.

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 2022-06-11 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX/DOFED, # XXXX XXXX/DOFED, # XXXX XXXX/DOFED, # XXXX XXXX  XXXX  XXXX, # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX/DOFED, # XXXX XXXX/DOFED, # XXXX XXXX/DOFED, # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DOFED, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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

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 2022-06-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
my debit card was compromised and there were fraudulant charges made so i immediately called bank of america in which they canceled out the card and sent me a new one well they ended up not disputing those charges in which my email address was aldso compromised and i stated that to the bank of america represenative and i had to make a whole new email account in which he also took notes of that. The total amount came to {$200.00} after they denied my claim they sent me an email and a letter saying that they were some updates on my account and servicing options and that i could have my claim reopened so they sent me the letter twice so i decided to re open the claim and only for them to deny it which was XX/XX/XXXX i disputed these charges 3 months or 4 months ago they sent me letters 2 seaparate times and which i called in and the last represenative i spoke with i asked if there was documentation that i needed to show because i had documents to prove they were fraudulant charges and she told me no that wasnt necesssary and it didnt show in the notes that, they were needed.

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 2022-06-11 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: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX account student loan XXXX XXXX, US Dept of EDXXXX XXXX XXXX US Dept of EDXXXX 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, Also states a consumer reporting agency such as XXXX, XXXX AND TRANSUNION can Not Furnish a account without my written signature or instructions to do so.

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 2022-06-11 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: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account student loan XXXX XXXX, US Dept of EDXXXX XXXX XXXX US Dept of EDXXXX 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, Also states a consumer reporting agency such as XXXX, EQUIFAX AND XXXX can Not Furnish a account without my written signature or instructions to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 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: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/2022, I unknowingly made a purchase on a fraudulent website which had no intention of ever sending out the product I purchased. Upon reading of other people having the same experience, I canceled my order. The company sent me a fake cancellation email, and did not refund my purchase - documentation that I informed Discover that I had, and would have been happy to provide. I contacted Discover Bank today, XX/XX/XXXX, where after being transferred 4 times to different agents, the representative told me that Discover would not be continuing with a chargeback, because it was not the result of identity theft. The agent proceeded to tell me that I should resolve my issue with the merchant by " complaining about it online ''. This is in violation of the Fair Credit Billing Act regarding disputing a charge for a good or service that one did not receive as a billing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 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: GA

Complaint narrative:
I has an account with XXXX in XX/XX/XXXX and paid the account in full a few months later. The company came back later to indicate I still owed money and when I refused to pay because I had evidence that the bill was paid in full, they reported that I was late to the XXXX  credit bureaus. To avoid further impact to my credit report I paid the money. 

In XXXX of XXXX, I received a letter and a check from the FTC indicating that According to the FTC 's complaint, XXXX  engaged in numerous deceptive or unfair practices, including : falsely advertising that it would accept payments by credit or debit cards failing to properly and timely credit payments made by check providing deceptive payoff quotes to customers trying to collect more money than the quoted payoff amount and making unauthorized charges to customers ' bank accounts.

When I reported a dispute to all 3 credit bureaus to have the missing payment information removed from my credit report based on the FTC information I received, but all 3 came back to indicate that XXXX  indicated the information is correct, rather than take into consideration the FTC notice which I have file several complaints with multiple agencies about XXXX practices and the inaccurate information on my credit report. I want the information corrected by all 3 credit reporting agencies because the FTC has proven that XXXX XXXX practices have impacted my credit ratings.

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 2022-06-11 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:
How is this possibly legal. Document Upload.

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 2022-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
In accordance with Fair Credit Reporting act XXXX XXXX  account number 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: KS

Complaint narrative:
Hello, I am submitting another complaint against Specialized Loan Servicing for failing to pay my property taxes on time from my escrow account. I received a letter in the mail from the county stating that I had {$22.00} due from interest for failing to pay on time. An additional {$20.00} of interest was paid out of my escrow account that would not have been due if Specialized Loan Servicing had paid property taxes out of my escrow account in a timely manor. I expect for them to pay out of their own funds the {$22.00} amount due to the County as well as reimburse me for the {$20.00} in interest that was paid, but should have been avoided. 

Thank you, 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 2022-06-11 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account XXXXXXXX XXXX XXXX XXXX  account XXXX, and 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

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 2022-06-11 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  account XXXX, XXXX XXXX XXXX  account XXXX, and 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I noticed a message on my Best Buy Visa Gold account statement informing me that I was going to be charged an annual fee next month. I was not aware there was an annual fee, and was fairly certain that I would not have signed up for a Best Buy card that charged an annual fee. I called to speak with an account representative and she confirmed there was an annual fee on my account but I had the option to close it and avoid paying the fee. I closed the account and I requested a copy of my original cardmember agreement that disclosed the annual. They provided a copy of my original card member agreement in the mail and it specifies there is no annual fee. I called Best Buy Credit services again on XX/XX/2022 and their representative confirmed that they have been charging me an annual fee for 10 years! I asked if I could get any of the fees refunded to me and was told they would waive the fee for this year, but I already closed the account. I am complaining because I did not agree to pay an annual fee as part of the original terms and conditions. I did not notice there was an annual fee because of the automatic payments made to this account.

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 2022-06-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I XXXX XXXX am filing a complaint against Equifax, I have disputed a collection account several times with them despite me sending a proper documentation they still have yet to remove this fraud item from my credit report I have disputed this collection over 10 times in the past four months to no avail nothing is been done I have even sent a complaint with cfpb that didnt do anything they are still reporting this collections despite me sending the documentation, the item gets deleted and its placed right back on report The dates I sent documentation from current to past, I am victim id theft this really isnt right this collection is still reporting and I am providing proper legible documentation Collections : Fair collections & outsourcing Inquiries : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 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: FL

Complaint narrative:
The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. Also one of the credit bureaus deleted said the account was deleted then reappeared on my credit.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions.

Also the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. Also one of the credit bureaus deleted said the account was deleted then reappeared on my credit. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

Also the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXXXX/XX/XXXXXXXX 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 2022-06-11 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: PA

Complaint narrative:
In accordance with The Fair credit reporting act XXXX  account # XXXX XXXX XXXX States : I have a right to privacy 15USC1681 604A section 2 : Also states a consumer reporting agency can not furnish a account with out my instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 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: PA

Complaint narrative:
In accordance with The Fair credit reporting act XXXX  account # XXXX 15USC 1681section602A States : I have a right to privacy 15USC1681 604A section 2 : Also states a consumer reporting agency can not furnish a account with out my instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Good evening, I see that XXXX XXXXXXXX Portfolio Recovery Associates sent an account to collections that doesn't belong to me, and I believe that I'm a victim of identity theft. They are saying that I had a credit card for {$2500.00} that doesn't belong to me. I can prove that this isn't my account because my credit score wasn't high enough to obtain a credit card from XXXX XXXX  in XXXX for an amount that is this high. I've attached a copy of the identity theft report from identitytheft.gov. I also added some pdf 's from the XXXX Credit report saying that this account is on my credit report as of today XX/XX/XXXX even though it should not be. I also added a copy of my U.S. Passport and my social security card in an attempt to prove my identity. I'm going to also mail in a paper copy of this complaint to XXXX to make sure to they receive my complaint about this account that should deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I was contacted by my bank to verify the new accounts. I told them I did not open any new accounts and did not authorize anyone to open them on my behalf. I was told to file a complaint for Identity Theft.

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 2022-06-11 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: AR

Complaint narrative:
Information is incorrect on my inquiry 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