vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a formal complaint that Equifax, XXXX, & XXXX are reporting inaccurate and incomplete credit information. This a violation of FDCPA SECTION 808 UNFAIR PRACTICES & FDCPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: DC

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2022-10-20 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX  : # XXXX, XXXX XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2022-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: American First Finance, Inc.
State: MD

Complaint narrative:
This account reported to the credit bureau late 30 to 60 days. when this account was open i was old this was not a credit base account. the creditor did not notify me that my account was not current. this account was placed on autopay in which a receipt was sent monthly stating that the bill was paid. No phone calls or letters that stated otherwise. I attempted to call multiple times to resolve the issue with no help just being passed on from one person to another. This matter has caused serious mental distress being as though am due to settle on a home in the next two weeks. I've been told this matter will correct itself and there's nothing more that can be done. in accordance with Fair credit reporting act XXXX  account ( XXXX XXXX XXXX XXXX  ) and American first finance has violated my rights. 15 U.S.C 1681 section 602 A states the right to privacy. 15 U.S.C 1681 section 604 A It also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states 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 2022-10-20 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I have an old credit card account listed on Experian as " XXXX XXXX XXXX XXXX XXXX listed as " Open '' which is incorrect. The account was closed three to four months ago and I let Experian know that it is being incorrectly reported as open when in fact it has been closed for a long time. This account was never reported as late or anything like that. 

Experian verified within 24 hours that the account is indeed open, despite me sending a copy of a letter from the creditor, dated three months back, that the account is closed. I am not sure why they think the creditor letter 's lack credibility. I am not sure if they bothered to even read the letter I provided them from the creditor. It clearly states the account was closed. It was at my direct request. 

I submitted a second dispute with much of this information contained herein and called Experian dispute department to ask a few questions to see if I can get this resolved correctly this time. 

The Experian representative claims Experian contacted the original creditor who verified the account was open. I do not believe this is truthful. He then stated I filed the wrong kind dispute the first time. The dispute was under category " account closed '' He said the second dispute was the right category. It's the same category both times. I question whether he even looked at the first dispute. 

He became argumentative very quickly after I pointed out it's essentially the exact same dispute a second time. It took several requests to have him let me speak with a supervisor. After holding for a while, the representative stated he can not wait more than five minutes and so I need to wait for a call back to speak with a supervisor. 

Given they can not be bothered with reading a letter in PDF format from the original credit, I doubt it even matters IF a supervisor even calls back. 

Experian is blatantly violating the FCRA by not investigating a dispute that has obvious merit.

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 2022-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
I had a remaining balance of $ XXXX {$40.00} for my Victorias Secret credit card, I went in store to pay the balance and close my account. The stores data base happened to be down and I was told my payment would be reflected once up and running. Since the data base was down I also did not receive any form of RECIPT or documentation stating I closed the account. Unfortunately, my payment was never reflected and I am now getting serial notifications about an account I already closed. This is negatively effecting my credit report and prohibiting me from credit eligibility. This needs to be resolved as soon as possible and if I continue to wait for disputes that take 30+ days my credit will continue to be negatively impacted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
I submitted employer verification to XXXX on XX/XX/22 under the temporary PSLF program. The verification I sent only gives me credit for months under this special limited program which expires XX/XX/22. 

XXXX transferred my loan and this verification to Mohela on about the same date. 

Mohela ( nor XXXX ) has credited my employer verification. I sent a support email on XX/XX/22 to Mohela about this verification and have received no response. 

I have called and their auto line hung up on me after an hour hold time. 

I am concerned that if there is any type of error on the form or any of the months do not apply then I will lose the opportunity to try to chisel together other proof that this time should qualify. The time I submitted would put me over 120 payments and therefore qualify for loan forgiveness. However, if any of this time does not qualify I will not be eligible for forgiveness. Therefore, this is an urgent matter of great concern to me. Their customer support is non-responsive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX. XXXX 15 USC 1681 Section 602 8 states I have the right to privacy 15 USC 1681 Section 604 a Section 2 also states that a consumer reporting agency can not furnish your 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 explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IN

Complaint narrative:
I open the account at XX/XX/2022 and the person in charge at this moment tell me they not havent in this time the temporary card I believe it I can wait 14 business day I call in the Costomer service I wait almost 30 day this people take me like fools they take avance of me because they work in there and they use the position they have to abuse peoples they lied I hope I dont know they trying and disrespect my right I m goin to sue them I dont know this person they freeze my account to make me have problems with my deposit from de XXXX XXXX XXXXXXXX I have the letter they notification they send to me I want to know what it they freeze my 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 2022-10-20 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I bought an item from an online store and returned it. I reached out to the company about my return and they told me there would be a {$12.00} fee to return the item using their label, which was fine. The amount of money I should have received from that company was the purchase price minus the {$12.00} return label. After they received my return in the mail, they refunded me far less. They sent an email ( attached ) where they have some random 26.19 % charge on my return- with XXXX explanation as to what that is or why it's coming out of my return. I reached out to them to ask why I wasn't refunded my full amount and they didn't give me a straight answer. Given that the product I returned was unopen AND returned within the 30 day window as stated on THEIR site 's return policy ( attached ) I should be entitled to a full refund less return shipping costs. I raised a dispute with American Express with screenshots of the store 's return policy as stated online and despite raising a ticket twice, American Express has told me there's nothing they can do- which is ridiculous. Return policies are posted online for a reason. Stores can not just make up reasons to keep part of your funds because they feel like it and if a company like American Express is presented with ample evidence as to the store 's return policy, they need to ensure the store honors it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc.
State: NY

Complaint narrative:
i was trapped by a recruiter for XXXX they told me i could get free transport to XXXX and get my XXXX XXXX  through school- they did not accept me into the school or pay my travel which came to XXXX plus hotel of XXXX the recruiter promised to call me XX/XX/XXXXXXXX XXXX XXXX months later to get me back into class - and i never got that call or took their class i also spent an additional XXXX getting my XXXX XXXX i never got a written notice they were charging me for school before i got tricked into this/ i never took class they employed collection lockhart morris montgomery agency and i never saw their letter as i moved during pandemic and they injured my credit report when they should owe me over {$1300.00} as i never took their class i flew home taxi to XXXX to XXXX  XXXX XXXX XXXX for physical which i passed and license and online app class to pass the permit and i was lied to repeatedly this action and aggressive recruiting is unconscionable during a financial crisis this stunt made me spend my rent money thinking i would be able to live on their truck for three months as they promised abd caused me financial hardship XXXX was recruiter from XXXXXXXX XXXX - shame on all of them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian has failed to respond or investigate my disputes. XXXX and XXXX have responded 2 weeks ago but experian has not. Experian is reporting collection accounts that are not metro2 compliant. Experian has failed to validate the account by providing the consumer contract bearing my wet signature for the negative accounts as a form of proof that the account is true and valid. I WANT ALL NON METRO2 COMPLIANT ACCOUNTS REMOVED INSTANTLY OR I WILL HOLD EXPERIAN LIABLE FOR {$1000.00} FOR EACH VIOLATION THEY FAIL TO CORRECT.

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 2022-10-20 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX, Experian and XXXX have failed to investigate and provide investigation results after my most recent dispute regarding unauthorized and fraudulent Inquires that are appearing on my credit file. One day i had 0 inquiries and the next day i had 10 inquires that all came from auto loan attempts. I have a car so why are these inquiries popping up on my report? I wrote each agency requesting an investigation on my report due to fraudulent inquiries that i 100 % did not personally apply for and they all have failed to respond. I demand to see the " Consumer Contract bearing my WET SIGNATURE '' to verify and validate these fraudulent inquiries that are negatively impacting my credit file in a major way. As the consumer, it is my right to request an investigation when items are not correct, true or verified to belong to me and these agencies are clearly ignoring my request. I will now hold each agency liable up to {$1000.00} per violation if this is how you allow them to operate. The reporting of inquiries that have not been verified is a violation of my consumer and demand all inquiries be removed that you can not provide documentation of proof for. I want all accounts and inquiries that are not metro2 compliant removed, corrected and updated immediately due to their to respond and investigate in the first place. thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: MN

Complaint narrative:
Mutual of Omaha is sending letters saying funds are available in an official looking firm. This is really a scam letter to trick people into refinancing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation
State: TN

Complaint narrative:
I have not been able to get any information for this account for my credit item. It keeps reporting that i have two items for this credit item, but I only had one account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: MOHELA
State: MN

Complaint narrative:
I have been waiting for my refund from both XXXX and Mohela since XXXX of this year. I am owed approximately {$14000.00} from XXXX and {$11000.00} from Mohela. 

On XX/XX/XXXX I called for a refund from Mohela for the amount paid on my student loan during the COVID forbearance. They said they were initiating the refund and refunded me for the few months I had paid them after I was transferred to them, but they had to wait to get refunded from XXXX before they could refund me. 

I called XXXX on XX/XX/XXXX and they said they could only refund me for what I paid them during that time and the rest was through Mohela who was my current loan holder. XXXX told me I would be refunded around XX/XX/XXXX. I did not receive anything from them. 

XX/XX/XXXX XXXX told me they were refunding me for my loans XXXX XXXX XXXX XXXX XXXX XXXXhat I paid XXXX XXXX XXXX XXXXXXXX. On that same day Mohela told me they were refunding me for my loan # XXXX from XXXX XXXX XXXX They said it would take 30 days. Still no refund. 

I called on XX/XX/XXXX and XXXX says that my refund shows it was submitted, approved, and escalated and still in processing with the Department of Treasuring. I am waiting for {$14000.00} that XXXX claims it is now up the Dept. of Treasury to give me the refund. 

XX/XX/XXXX Mohela also informed me that my loan was being processed and still waiting for approximately {$11000.00}. 

It is now XX/XX/XXXX and I have yet to receive any refund. I am not sure if I am trying to patiently wait from the Dept. of Treasury or why I have been trying to get my refund for 6 months. 

Thank you so much.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: WA

Complaint narrative:
I have called them on XX/XX/26, XX/XX/26 and XXXX. The call XX/XX/26 i request a refund under the cares act and they confirmed i would have it within 30 days. Its almost at 90 now and now they do not accept phone calls and ive emailed 3 times using their complaint option which says ill hear back within 3 days and no one has replied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Since opening my first credit account more than 4 years ago, neither me nor any lenders have been able to access an Equifax credit report under my information. On Tuesday, XX/XX/XXXX, I faxed requested identify verification information to Equifax which I was told was required to lift a security freeze on my account. On XX/XX/XXXX, I provided the same information again via phone/email as Equifax was unable to locate the fax. After Equifax received the requested documents, I was informed by the Equifax representative that there was never a security freeze on my account but that Equifax could not locate any credit history for me. This is despite the fact that I currently have 7 active credit accounts with lenders including XXXXXXXX XXXX XXXX XXXX XXXX and XXXX, and all 7 active accounts are currently reflected on both my XXXX and XXXX reports. Neither I nor any lenders have had any problem accessing my XXXX or XXXX credit reports.

Company response to consumer: Closed with explanation