vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-25 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 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 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 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 2022-10-25 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: PA

Complaint narrative:
XXXX XXXX credit cards balance inaccurately appears on my credit report. There should be a {$0.00} ( zero ) balance. The {$9600.00} that currently appears on my credit report stems from fraudulent transactions that Equifax was notified about. Additionally, XXXX XXXX credit card inaccurately reflects a {$10000.00} balance. That balance should also be {$0.00} ( zero ) because the charges also stem from fraud. Equifax has not properly corrected the inaccuracies on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: AFNI INC.
State: FL

Complaint narrative:
FRAUDULENT ACCOUNTS AND IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: PA

Complaint narrative:
I applied for XXXX XXXX XXXX XXXX ( XXXX ). I mailed my application to MOHELA and also uploaded my application via their online servicing portal. I received an email from them via their secure portal dated XXXX XXXX, 2022 stating that they would process my application within 10 business days and let me know if my application has been approved. After 10 business days passed and I hadnt heard from them, I sent them a message via their secure portal asking for a status update on XXXX XXXX, 2022. I received no response. I sent another message via their secure portal on XXXX XXXX, 2022 asking for a status update. To-date, I still have not received a response. I would like to know whether my application for XXXX has been approved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: SC

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. 

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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: AZ

Complaint narrative:
U.S.Bank account number XXXX on XX/XX/XXXX there were three charges 1 for XXXX  XXXX XXXX for XXXX a charge for XXXX XXXX credit card for XXXX and protective life for XXXX which bring my account to a negative XXXX and some cents. I transferred XXXX from XXXX XXXX to make the account positive and not negative on XX/XX/XXXX and the system still charged me 3 overdraft fees for those items I contacted the bank and they said there was nothing they could do for me. I would like my overdraft fees returned to my account. My name is XXXX XXXX address is XXXX XXXX XXXX XXXX # XXXX XXXX, AZ 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 2022-10-25 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: SC

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. 

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 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 2022-10-25 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: SC

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. 

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 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 2022-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
To whom it may concern : Hello, my name is XXXX XXXX, I would like to complain about the money transfer from the Bank of America. 

The money was sent from XXXX XXXX in XXXX to the XXXX XXXX XXXX XXXX XXXX ) through the Bank of America as a correspondent bank on XX/XX/2022, XXXX XXXX USD Reference number is XXXX, XXXX XXXX XXXX : XXXX The money and the source of income were checked in XXXX by XXXX XXXX. ( I have all the official documents from the selling my XXXX XXXX XXXX which I provided. ) The Bank of America asked an English version of the sales agreement, because the Russian-Turkish one was not enough for them, the additional agreement was sent as well to the BOFA with all the necessary signatures and stamps very fast. 

All the previous transactions to the XXXX XXXX XXXX was done properly and fast through XXXX XXXX. 

This is the first time I experience this situation, that without any reasons the Bank of America is keeping my money. The construction company is charging me penalty for each day of not paying, therefore I had to claim to CFPB, the registered number of my complaint is XXXX XXXX XXXX XXXX, I have all the necessary documents to attach such as XXXX, the agreements, the document that the money is in the Bank of America, the proof of two banks communication, the complaint and others. 

The XXXX XXXX XXXX is waiting for the money, so I would like the Bank of America to release my money and continue the transaction as it should be and it was not a problem before. 

ACCOUNT NAME : XXXX XXXX XXXX. XXXX. XXXX. XXXX XXXXXXXX XXXX. 

BANK NAME : XXXX XXXX XXXX 

BRANCH : XXXX ( XXXX BRANCH CODE ) CURRENCY : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX You can contact the construction company directly to ask all the needed information - XXXX XXXX XXXX company XXXX XXXX, XXXX - the official address : XXXXXXXX XXXX 
XXXX XXXX. 
XXXX XXXX XXXX No : XXXX XXXX XXXX XXXX XXXX, the money will be sent as soon as possible to the receivers bank Best wishes, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: NJ

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15USC 1681 ( a ) accuracy and fairness of credit reporting XXXX is governed by 15USC 1681and they have violated my rights by furnishing unauthorized inquiries to my credit report, also pursuant to 15USC 1681 ( n ) civil liability for willful noncompliance- 15USC 1681 ( n ) ( a ) is liable to that consumer in the amount of any actual damages sustained by the consumer not less than {$100.00} dollars and not more than {$1000.00} dollars. I demand that the accounts listed below removed from my report. XXXX XXXX XXXX  - XX/XX/2022 - XXXX XXXX XXXX XX/XX/2022 - XXXX XXXX XX/XX/2022 - XXXX XXXX XX/XX/2022 - XXXX XXXX XXXX XX/XX/2022 -- I demand these hard inquiries removed from my TransUnion XXXX report/file, XXXX XXXX  XXXX XX/XX/2022, - XXXX XXXX XXXX, - XXXX  XXXX XX/XX/2022, - XXXX XXXX XX/XX/2022, - XXXX XXXX XXXX  XXXX XXXX, - XXXX XX/XX/2022 2022

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 2022-10-25 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: EQUIFAX, INC.
State: PA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I received notice to pay a medical bill for XXXX XXXX  back in XXXX. I paid the entire amount owed on XX/XX/22 in the amount of {$310.00}. I continued to received collection notices from XXXX into XXXX, ending with a XXXX notice and threat to send to collections. I called them on XX/XX/22 to let them know I had already paid, online through the XXXX portal on XX/XX/22. They called back on XX/XX/22 and left me a message that they received the payment. On XX/XX/22, I receive a debt collection notice from Transworld Systems , Inc for this debt to XXXX. I called TSI on XX/XX/22 and explained that I had paid this on XX/XX/22, they said XXXX will send an update about payment and they will close this out, but they have not yet received that update. I called XXXX on XX/XX/22 and left a message for a call back from a live person to discuss the incompetence with my account and that this must be resolved immediately. XXXX clearly has an incompetent billing department having sent 5 notice to pay after I had already paid the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I mailed out a copy of my, Sate ID, SSN card, FTC identity theft report, identity theft letter and police report certified mail return receipt, to XXXX requesting fraudulent information be block on my XXXX credit report in accordance to 15 USC 1681 C-2. Which was mailed out on XX/XX/2022 and received on XX/XX/2022. XXXX and XXXX have blocked information but XXXX has not. 

Information I requested blocked due to identity theft Capital One {$1800.00} XXXX XXXX  {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: DISCOVER BANK
State: NY

Complaint narrative:
I mailed out a copy of my, Sate ID, SSN card, FTC identity theft report, identity theft letter and police report certified mail return receipt, to XXXX requesting fraudulent information be block on my XXXX credit report in accordance to 15 USC 1681 C-2. Which was mailed out on XX/XX/2022 and received on XX/XX/2022. XXXX and XXXX have blocked information but XXXX has not. 

Information I requested blocked due to identity theft XXXX XXXX {$1800.00} Discover Bank {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX made a billing error on my account. I've contacted them numerous times to fix this account, to no avail. In total, I've spent 10+ hours on the phone with company to get the billing error corrected and each time promised that it would be resolved. The alleged amount of {$51.00} ( which is an error ), is now on my credit report. The company that is reporting the amount on my credit report is IC system. I have disputed the amount electronically with IC System in XXXX and XXXX of XXXX via XXXX XXXX dispute process and the amount is still showing on my credit report. As a result, my credit score has now dropped by XXXX  points which is impacting my access to credit and how I conduct business and my personal affairs. In addition, this has caused undue unnecessary physical and emotional distress. The dates that I contacted XXXX XXXX XXXX and was promised resolution of this account are as follows : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. I was also sent an email on XX/XX/XXXX by XXXX XXXX XXXX XXXX escalations acknowledging that the billing amount submitted to collections was incorrect.

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 2022-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-10-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: NM

Complaint narrative:
Contacted ED financial on XX/XX/22 for a refund on payments made towards a loan during the covid refund policy. have called multiple times and have been given no updates, upon checking online others have been getting refunds within weeks meanwhile I'm going on 7 weeks. Tried asking to get my claim escalated to someone to review looks like this may be the only way. as of today XX/XX/22 online balance still doesn't reflect the refund and nothing has been done to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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:
Company failed to provide verifiable proof ( an original consumer contract obtaining my signature ). Under the the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), companies are REQUIRED BY FEDERAL LAW TO VERIFY THROUGH PHYSICAL VERIFICATION of the SIGNED consumer contract. Report is still inaccurate as it reflects my employment history as a XXXX XXXX XXXX at XXXX, yet I do not possess a XXXX or XXXX certifications to fulfill the state 's requirement to XXXX XXXX DELETE ALL ACCOUNTS NOT VERIFIED THROUGH SIGNATURE OF SIGNED CONTRACT. A PAST DUE BILL OF THE ACCOUNT AS VERIFICATION DOES NOT SUFFICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: TX

Complaint narrative:
Company failed to provide verifiable proof ( an original consumer contract obtaining my signature ). Under the the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), companies are REQUIRED BY FEDERAL LAW TO VERIFY THROUGH PHYSICAL VERIFICATION of the SIGNED consumer contract. Report is still inaccurate as it reflects my employment history as a XXXX XXXX XXXX at XXXX, yet I do not possess a XXXX or XXXX certifications to fulfill the state 's requirement to XXXX  XXXX. DELETE ALL ACCOUNTS NOT VERIFIED THROUGH SIGNATURE OF SIGNED CONTRACT. A PAST DUE BILL OF THE ACCOUNT AS VERIFICATION DOES NOT SUFFICE.

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 2022-10-25 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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