vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-10 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: AES/PHEAA
State: VA

Complaint narrative:
Fed Loan Servicing needs to explain their rationale clearer and with real data and an example as to why XXXX of my past payments on my consolidated student loan that were made monthly are not qualifying payments for PSLF, TEPSLF or Limited PSLF. 

This response is insufficient : " '' As a result, we were advised that the loan did not fulfill the current guidelines of reflecting an eligible repayment schedule for the PSLF program or meeting the timely payment requirements for the TEPSLF program. Therefore, under the current guidelines for these programs, FedLoan Servicing was unable to count these months as qualifying. '' I would like this better explained since I see this as incorrect. I had a Direct Consolidated Loan, made payments, and had a qualifying employer. Under Limited PSLF, full payment is not required, however, payments i made were substantial payments based on my loan cost at the time. My payments of XXXX or more from the ( XXXX ) that are currently ineligible should all count towards the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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: IL

Complaint narrative:
These fraudulent inquiries are being reported to consumer report with my authorization. These have been fraudulently furnished inquiries. I did not authorize, benefit from, nor consent to any of the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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: IL

Complaint narrative:
These fraudulent inquiries are being reported to consumer report with my authorization. These have been fraudulently furnished inquiries. I did not authorize, benefit from, nor consent to any of the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2022-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion hasnt provided a method of verification

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 2022-09-10 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: FL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2022-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I was declined a reimbursement for a transaction that was clearly fraud from an individual named XXXX XXXX through XXXX in the amount of XXXX on XX/XX/22. I contacted USAAFSB For help on XX/XX/22 and they did a quick look into it and denied it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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: GA

Complaint narrative:
XXXX XXXX provided a method of verification

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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: FL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2022-09-10 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: FL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX account # 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 instruction.

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 2022-09-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: AL

Complaint narrative:
On XX/XX/XXXX, I contacted EdFinancial to request a refund for the payments that I made during the COVID Payment Forbearance, when payments were not required. I made payments from XX/XX/XXXX- XX/XX/XXXX before my loans were transferred to XXXX. The total payment amount I made during this time period was {$26000.00}. I received no email or paper correspondence confirming that my refund request was actually submitted. On XX/XX/XXXX, I reached out to EdFinancial again to confirm that the request was submitted. I received a email back from " XXXX '' with the following message : " Our records indicate that your request was submitted on XX/XX/XXXX. Please allow 7-10 business days for review, and 60-90 days for processing your refund. We will notify you if anything else is needed. '' After over 90 days had passed, I reached out to EdFinancial again on XX/XX/XXXX. I spoke to agent " XXXX '' on their virtual chat. I was provided no further information, other than my request was still " processing. '' She was not able to give me an estimated completion date. When I asked when I should follow up again to ensure my request does not get lost, I was told " there is no need to follow up again until the request has been processed. '' My loans are currently pending transfer to XXXX, and when I asked if this would cause a problem with the processing of the refund, the agent was not able to answer this question. 

My loan balance has not increased since requesting the refund. I have received no correspondence from EdFinancial on its progress and I was given no estimated date when I should see my loan balance increase, or when the refunds would be processed. I have no physical proof than my refund was ever submitted and I have very little faith that I will get any amount of my payments back, even though the federal government has stated that these payments can be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
XX/XX/10 I made a listing on XXXX XXXX  for {$1300.00} XXXX XXXX I got an email saying my zelle account was on hold. I had to pay XXXX first. 
She sent me this email XXXX under XXXX Then I got another email saying that I needed to pay an additional {$700.00} for the XXXX XXXX XXXX XXXX as a secure sales tax This is to another account XXXX under XXXX. This was sketchy so I stopped and checked the email was not actually from zelle. But a fake XXXX They also rushed me to pay and asked for more money to test The email asked for screenshots of my payment and then they would release my full payment for XXXX, plus the XXXX, and the XXXX and then give me a bonus of XXXX. 
I checked on reddit to realize it was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I am a bitim of identity theft. Someone has tried to open up Checking accounts in my name. 2 were XXXX XXXX and US Bank. I had a XXXX  XXXX account awhile back but it has been closed for sometime now. Someone on a couple other dates tried tomopen up credit with them. It was not me. A former employer stole identity and my SS # has been compromised along with my id. My information also was comptomised through the XXXX XXXX breach and XXXX company breach as well. I filed a police report and I have locked my credit so that hopefully damages can no longer continue.

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 2022-09-10 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, XXXX XXXX, XXXX # XXXX  XXXX, or 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 an account without my written instructions I have not given written instructions for this account to be furnished on my credit file.

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 2022-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I received notification from the various monitoring mechanisms that I have in place of an account reported as past due and over the limit. I do have an account with the lender but the actual account information doesnt match what is being reported under my name and social security number. 

My account was opened on or about XX/XX/XXXX the credit alert reports the account was opened on XX/XX/XXXX My account has a current balance of {$420.00}, a statement balance of {$90.00} and a credit limit of {$800.00} the alert reports a balance of {$1500.00}. I have never had a balance nearly that high which in fact exceeds my credit limit. 
My account has never been delinquent the alert reports my account as delinquent I contacted XXXX via phone on XX/XX/XXXX for resolution I spoke with XXXX who was unable to resolve the issue or offer any explanation. She opened a ticket under XXXX for the appropriate department.

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 2022-09-10 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: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I received notification from the various monitoring mechanisms that I have in place of an account reported as past due and over the limit. I do have an account with the lender but the actual account information doesnt match what is being reported under my name and social security number. 

My account was opened on or about XX/XX/XXXX the credit alert reports the account was opened on XX/XX/XXXX My account has a current balance of {$420.00}, a statement balance of {$90.00} and a credit limit of {$800.00} the alert reports a balance of {$1500.00}. I have never had a balance nearly that high which in fact exceeds my credit limit. 
My account has never been delinquent the alert reports my account as delinquent I contacted XXXX via phone on XX/XX/XXXX for resolution I spoke with XXXX who was unable to resolve the issue or offer any explanation. She opened a ticket under XXXX for the appropriate department.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX I received notification from the various monitoring mechanisms that I have in place of an account reported as past due and over the limit. I do have an account with the lender but the actual account information doesnt match what is being reported under my name and social security number. 

My account was opened on or about XX/XX/XXXX the credit alert reports the account was opened on XX/XX/XXXX My account has a current balance of {$420.00}, a statement balance of {$90.00} and a credit limit of {$800.00} the alert reports a balance of {$1500.00}. I have never had a balance nearly that high which in fact exceeds my credit limit. 
My account has never been delinquent the alert reports my account as delinquent I contacted XXXX via phone on XX/XX/XXXX for resolution I spoke with XXXX who was unable to resolve the issue or offer any explanation. She opened a ticket under XXXX for the appropriate department.

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 2022-09-10 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I have this account in Charge Off status, but it is still being reported as having a balance due. In addition, they are marking every month in the payment history with CO marks, this is illegal since it is a closed account, so it should not be updated every month. 

I attach evidence of how they are reporting it

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 2022-09-10 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX account # 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 instruction.

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 2022-09-10 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX account # 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma, LLC
State: AL

Complaint narrative:
Multiple times I have been told that I have a 90 % chance of getting pre-approved and then I apply and then I don't get approved because of my credit score I want to be compensated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX account # 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 instruction.

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 2022-09-10 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 — Card was charged for something you did not purchase with the card
Company: HOME BANCSHARES, INC.
State: FL

Complaint narrative:
1. ) I log into my account on XX/XX/2022 @ or around XXXX XXXX  and notice a charge of {$99.00} related to a purchase i never made nor authorized. I have no clue whatsoever this purchase is about. 
2. ) The specific details of the purchase include : XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  {$99.00} Debit Authorization 3. ) There is no way to address concerns with a transaction via the internet account access provided by the bank. On top of this, this mishap occurs over the weekend and there is no one available to address the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX account # 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 instruction.

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 2022-09-10 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX account # 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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, XXXX XXXX, XXXX # XXXX  XXXX, or 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 an account without my written instructions I have not given written instructions for this account to be furnished on my credit file.

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