vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-08 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: FL

Complaint narrative:
When I went to the car dealership to apply for a car, they said that it would be for XXXX and that XXXX would pull my credit report, however I seen all of these other hard inquiries : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: TX

Complaint narrative:
This will be my second attempt to file a complaint as my first on miraculously disappeared even in taking a screenshot of the ID number XXXX Sent request for dispute and all information pertaining to accounts in dispute on XX/XX/2022 and all delivered by XX/XX/2022. 

Transunion failed to honor my dispute and pretty much sent me a letter stating, doesn't look like you sent this but thanks for trying. I sent the required information as well as paying to have it sent certified mail, only to be ignored while the other XXXX accepted the matter ( s ). I didn't realize that strangers had copies of my drivers license and an insurance bill to send off to get someone else 's credit report fixed. To add insult to injury, they didnt even provide a way to get in contact with them to even reply. No phone, no email, no contact name at all. Only a file number with no directions as to what information was needed to proceed. 

XXXX provided no information to advise that this debt was mine. I asked for all information be sent to me and nothing but a verified letter with the exact same information copied and pasted from my report ; therefore, I must not have any type of contract with them stating that I owe this debt. How was this investigated with no additional information provided?? 

XXXX was the only Bureau to investigate and delete both accounts. So how is it that XXXX was not able to verify the accounts to be correct, yet XXXX did??? IF ALL bureaus are to report ACCURATE information, something is wrong and it all seems very suspicious. 
15 USC 1681 Section 602 A ( XXXX ) states that I have the right to privacy. 
15 USC 1681 604 A ( XXXX ) states a consumer reporting agency can not furnish an account without my written instructions which I did not give. 15 USC 1681 1681 section XXXX a ( i ) 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX {$210.00} Account Number : XXXX Please remove from my credit report Account Name : XXXX ( XXXX ) {$220.00} Account XXXX Please remove from my credit 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 non-monetary relief
Consumer complaint received 2022-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Long story short, I was scammed and sent someone I didnt know {$470.00} via XXXX bank XXXX on XXXX. I called my bank *Chase on XXXX and they basically told me that XXXX XXXX XXXX evidentially XXXX XXXX pretty much the same as sending cash. I opened a ticket/case with them * XXXX but they said more than likely I wont see that $ ever again. I dont understand how they cant just reach out to the persons bank and put a hold on {$470.00}. Even if their account is at {$0.00}, they can still find out who the account belongs to and reach out to them. My bank said it would have to be pursued via legal. I just started working with legal firm today XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: FL

Complaint narrative:
CFPB + Experian, This complaint is in relation to a credit account this creditor ( XXXX XXXX XXXX XXXX XXXX ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.

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 2022-09-08 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: CA

Complaint narrative:
On Tuesday ( XXXX XXXX, XXXX ) I called my student loan servicer, EdFinancial, to receive a refund for student loan payments made during the payment pause. According to XXXX this should be allowed, as they state that " You can get a refund for any payment ( including auto-debit payments ) you make during the payment pause ( beginning XX/XX/XXXX ). Contact your loan servicer to request that your payment be refunded. '' ( XXXX XXXX XXXX XXXX XXXXXXXX ). Over the phone with EdFinancial I was told that they would submit the request, but had absolutely no timeline to give me. They would not tell me if I would receive the refund within weeks, months, or more. This is ridiculous, since other student aid loan servicers are telling people to expect refunds within weeks, or a few months ( many examples confirming this online ). It seems that EdFinancial is the only servicer with no real timeline. I called again on Thursday ( XXXX XXXX, XXXX ) to confirm that the refund was submitted and asked again for a timeline, and I was again told that they had no timeline to give me. The refund is for a large amount of money ( {$8900.00} in total ), and waiting an unspecified amount of time ( months? years? ) to receive it would be completely inappropriate, especially when other servicers are not having this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: MO

Complaint narrative:
15 U.S.C 1681 section 602 A. states I have the rights to privacy.

15 U.S.C 1681 section 604 A. Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Accounts/Accounts 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 2022-09-08 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: MO

Complaint narrative:
15 U.S.C 1681 section 602 A. states I have the rights to privacy.

15 U.S.C 1681 section 604 A. Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Accounts/Accounts # 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 2022-09-08 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: MD

Complaint narrative:
Experian has furnished incorrect information on my credit report. I have tried to resolve the issue several times via phone and letter correspondence. I have sent a complaint to the XXXX XXXX office and XXXX XXXX XXXX Experian is reporting a fraudulent account on my credit report. I have sent a FTC report. Also I notified the company and Experian of this fraud. This account came back as verified by Experian. Not sure what is going on but this is not my account and I have done all necessary protocols to report and dispute the fraudulent account. This account is causing irreputable damages and needs to be removed immediately.

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 2022-09-08 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2022-09-08 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I got an email saying that i got an inquiry from Golman sachs for new credit but i did not apply for new credit nor did I authorize this. I called trying to get it remove they said they do not see anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
XX/XX/2021 partial payment was made to NewRez they put a 30 day late notice on my credit report even though they accepted my partial payment. It was not late just not full amount paid and the full amount was made right at the 30 day mark. Please remove the 30 day late payment off credit report. NewRez policy is not fair and they should not have accepted a partial payment and then get me for 30 day late. Their statements are also confusing and amounts changed a few times, late fees applied where not warranted. My bank statement shows payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION
State: VA

Complaint narrative:
We pay into an escrow account for taxes and insurance. Our lender and their tax escrow company constantly pay our real estate taxes late incurring penalty. We get notified by the County the taxes were not paid via a late notice saying our taxes will be sold for for nonpayment. The lender servicing our loan Regions Mortgage will not take any calls. Only e-mail which they do not respond to or submissions via their public facing servicing portal. For the last 2 years we have had to constantly submit past due notices to them via their portal. They only pay the taxes after we contact them to pay it and submit the late notice to them via their portal proving they never paid it. What we recently learned is that Regions XXXX XXXX XXXX provider XXXX  is not paying the taxes on time. We pay our mortgage on time, they have teh money in the escrow account, they need to pay our taxes on time. Both Regions and XXXX are in violation of teh escrow agreement we had to sign. Constantly paying late and then paying the applicable late fees is not an acceptable practice. It is just a matter of time before something goes wrong and our taxes get sold at a tax sale.

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 2022-09-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2022-09-08 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: PA

Complaint narrative:
On XXXX, I wrote to these companies requesting an investigation into items that I believed were INNACCURATE. To date, I have not received a reply or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. These Accounts are in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy these Bankruptcies shouldn't be on my credit/consumer report. Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave them any written consent to report anything on my consumer reports no consent is identity theft. I have also attached a letter from the bankruptcy court stating they did not give my information to the credit buearus.

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 2022-09-08 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: FL

Complaint narrative:
CFPB + Equifax, This complaint is in relation to a credit account this creditor ( XXXX ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: College Ave Student Loan Servicing, LLC
State: ME

Complaint narrative:
In 2020 my ex-partner used my information for a quote for a private student loan from College Ave Student Loans. I saw how high the interest rate was and the loam amount and decided that I did not want to be the cosigner for this loan. Despite my clear dis-interest and rejection for cosigning this loan the she used my information anyways and took out not only one, but two loans. Last year I talked to College Ave Student Loans about removing me as a cosigner but this was never resolved and they would not remove me as a cosigner. Now the account has gone into delinquency and it is hurting my credit and my financial future. My information was used without my permission, I was not present for cosigning for this loan, and I made it clear that I did not want to be the cosigner. 

XX/XX/2020 second loan of {$10000.00} XX/XX/2020 first loan of {$83000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
On XX/XX/2022, Citi ( XXXX XXXX, SD ) applied my overpayment of {$12000.00} on my Citi Card to the amount in Citi Flex Plan ( 8.99 % APR fixed ) before applying the overpayment to the amount from the balance transfer offer that expired XX/XX/2022. The overpayment covered the amount from the expired balance transfer offer and was exactly {$12000.00}. When the balance transfer offer expired on XX/XX/2022, that amount became subject to a much higher APR than the 8.99 % APR fixed.

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 2022-09-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX  days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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