vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-20 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: FL

Complaint narrative:
As of XX/XX/XXXX, Ive been unable to get my credit report or score from Equifax and XXXX. 

Ive called and Ive emails. To include. Ive even submitted my drivers license to the specified website that they requested me to upload it on several times. 

After several phone calls to them, I am still unable to have this issue resolved as we move into XXXX I am requesting immediate attention be given to this, as it is preventing me from doing things related to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The credit bureaus are reporting my credit score as a XXXX. I have paid all outstanding items on my credit report as of XX/XX/2022. Instead of my score increasing to accurately report the fully paid debts, my score was dropped from around XXXX to a XXXX. Per the credit bureaus, my score can not go below a XXXX. I did not have extensive debt reporting, repossessions, bankruptcies, liens or foreclosures. When I called the agencies requesting immediate remediation, I was advised that there was nothing that could be done, but, a supervisor would return my call and my complaint would be escalated. I have received no response to date. This score is incorrect/inaccurate and has caused personal harm and hardship. The agencys are also reporting this to parties requesting credit worthiness information causing declined credit applications, denied rental applications etc. 
This is illegal and in violation of FCRA.

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 2022-12-20 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: DE

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have reach out to Experian many times showing my driver license and showing proof of no XXXX XXXX XXXX XXXX XXXX they refuse to delete it off of my credit report. My I my address is XXXX XXXX XXXX XXXX XXXX please have them remove fraudulent XXXX XXXX it does not belong to me. They have hurt my scores because of this. I have been trying to get it remove for 4 months. 


Thanks 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 2022-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: AXOS FINANCIAL, INC.
State: TN

Complaint narrative:
XX/XX/XXXX i had my car accident that led to the total loss of my suburban. I was not at fault in this accident. The party that was did not have insurance or a license. My insurance paid their portion of the loan, along with my warranty and gap company. They receieved said checks at the beggining of XXXX and waited until my XXXX payment was due and now they refuse to close the account even though they have received all payemnts and demands for it to be closed. which in turn is making it difficult for us to get another loan I made every single payment on time and never missed XXXX. This is the way they treat loyal customers. All i want is for this account to closed so i can move on with my life. I will also make sure that other people know how crooked this business is so they will avoid the trouble i have

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is in addition to complaint : XXXX. 

This information has been forwarded to Attorney Generals : XXXX XXXX ( Florida ) XXXX XXXX ( Maryland ) This information has been forwarded to XXXX XXXX, the XXXX of the CFPB. A lawsuit will follow.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: FL

Complaint narrative:
This is in addition to complaint : XXXX. 

This information has been forwarded to Attorney Generals : XXXX XXXX ( Florida ) XXXX XXXX  ( Maryland ) This information has been forwarded to XXXX XXXX, the Director of the CFPB. A lawsuit will follow.

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 2022-12-20 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: FL

Complaint narrative:
This is in addition to complaint : XXXX. 

This information has been forwarded to Attorney Generals : XXXX XXXX  ( Florida ) XXXX XXXX ( Maryland ) This information has been forwarded to XXXX XXXX the Director of the CFPB. A lawsuit will follow.

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 2022-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
XX/XX/2018 purchased new XXXX XXXX with warranty, within XXXX minutes the engine light came on and XXXX was lagging on freeway. I went back to Mercedes and told its a new car and it needs to be driven at least XXXX miles. 
todays miles is XXXX when I would take my car for engine lights, transmission problems that should be covered under warranty, I was told my warranty doesnt cover it. 

I have had my XXXX parked for nearly 2 years 90 % of the time, because I am afraid of paying service bills or my insurance going up on problems defects. 

The service XXXX XXXX XXXX- should be investigated. This has been normal practice for him to charge insane service fees or ask for side tips. 

mercedes XXXX XXXX gave me XXXX estimate saying the car needed a new engine, please note I paid XXXX for the XXXX. Again warranty doesnt cover it so i have to call my insurance agent, they requested I call the insurance agent right there at the mercedes XXXX department XXXX 

insurance agent gave them XXXX estimate, after a day, insurance agent calls backs saying he went to mercedes- per service XXXX request to visit. 
a few days later - i was presented with a XXXX approx estimate to pay mercedes from my insurance agency. 

I believe both companies committed fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
XXXX used AmSher collection service, to collect bills of {$770.00} from me for services that I never used, and have reported this to the three credit bureaus which significantly hurt my credit score and other activities. 
I have explained this to the AmSher collection service and point out they do not have evidence of this collection and they continued to enforce this 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 2022-12-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo closed my XXXX XXXX card without reaching out to me first to see if I still needed the credit line. Had to find out from a credit bureau report vs. Wells Fargo reaching out to me. No wonder they are always in trouble with government agencies.

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 2022-12-20 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: NV

Complaint narrative:
{$2400.00} XX/XX/XXXX listed on my report as collections XXXX XXXX XXXXXXXX {$8600.00} ( XXXXXXXX XXXX XXXX XXXX ) account is inaccurate XX/XX/XXXX XXXX XXXX  accounts XX/XX/XXXX {$30000.00} XXXXXXXX XXXX  account # XXXX inaccurate description on my report XXXX XXXX account # 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 2022-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
was denied Hilton Honors bonus points after spending the required amount within the required period of time. Was never informed of this prior to them accepting me for the card of when I received the card.h I feel this is bait and switch by AMEX Hilton 's Honors card, very deceptive customer service practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Can u please delete the 2 " Fraud hard inquiries ''. I know nothing about this new inquiry qt all. As i will provide documentation of the duplicate inquiries. I also froze my accounts with fraud alerts and reported to the FTC for further security & Investigation measures. This was improper use of my credit report of hard inquiries that i am unaware of and did not authorize. 

I was notified by XXXX XXXX XXXX XXXX thats someone accessed my info it was stopped the the Black market Website Surveillance from my Bank. I also filed a FTC Report. Transunion File # XXXX The 2 unauthorized Hard Inquiries are listed below. I even have freezes and fraud alerts on there and not sure how it still got on there. As i will show u documentation that it was blocked originally Duplicate Hard Inquiries : 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 2022-12-20 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: GA

Complaint narrative:
Hello, my name is XXXX XXXX, and I am writing to delete the following inaccurate and incomplete 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. I have been a victim of identity theft and many accounts were established in my name without my knowledge or consent. The following information you have placed on my file has seriously affected my ability to obtain credit. Please be reminded that it is important for credit agencies to maintain accurate information per The Fair Credit Reporting Act. I have provided you with a Federal Trade Commission Identity Theft Report detailing the incident. I have been working with police and I have hired a private investigator to help stop the use of my name by someone who has stolen my identity. The following information does not belong to me and should be deleted from my credit file immediately.

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 
Fraudulent/Negative Accounts : Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Opened : XX/XX/XXXX Balance : {$320.00} Account Name : XXXX XXXX  Account Number : XXXX Account Opened : XX/XX/XXXX Balance : {$7400.00} Account Name : XXXX XXXX Account Number : XXXX Account Opened : XX/XX/XXXX Balance : {$1600.00} Account Name : XXXX XXXX  Account Number : XXXX Account Opened : XX/XX/XXXX Balance : {$13000.00} Account Name : XXXX  XXXX Account Number : XXXX Account Opened : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My Equifax business credit score for XXXX XXXX XXXX ( XXXX XXXX ) ( XXXX XXXX ) has decreased drastically over the past few months, although I've made all my payments in a timely manner. There is a communications trade-line that is showing up as slow up to 60 days, with a current balance of - {$35.00} and a past due of {$110.00}. I have reached out to all of my vendors/ creditors and no one has reported any late payments. I've attempted to dispute the issue with Equifax directly. They informed me i would need a current credit report, from Equifax, but they are refusing to provide me with XXXX. The email they sent states " Currently a business credit report is sent only to companies whose files have been accessed by Equifax XXXX XXXX XXXX members. If you have received notification from an Equifax XXXX XXXX member, please provide us with additional information so that we can assist you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: Maximus Federal Services, Inc.
State: WV

Complaint narrative:
The issue I have in my case is pretty straight forward. On XX/XX/2022, I requested that my former loan service provider, XXXX XXXX, refund my student loan payment ( XXXX ) that I made during XXXX and to reopen my loan balance so that I could apply for the Temporary Public Student Loan Forgiveness ( TPLSF ) Program. The total amount I paid was {$26000.00}. This closed out my student loan balance at that time. This closed out my student loan balance at that time. The payment was processed on XX/XX/2022, by XXXX XXXX, which is the first date that one could request a refund of a payment. 

Under the rules of the XXXX XXXX and what not, borrowers are allowed to request their loan payments made during XXXX even if it paid the balance in full. I also filed my TPSLF at the time I made the request to have my XXXX payment ( XXXX ) refunded to me. 

I made this request not only via email, but over the phone and I also sent a certified letter ( I have all of my documentation, including the return receipt ). I followed up with XXXX XXXX at the end of XX/XX/2022 and was told that my payment had been reversed ; and, therefore, my account had been transferred to AidVantage on XX/XX/2022. 
To date, I have heard NOTHING. I never received a closeout letter from XXXX indicated that the new balance was transferred to AidVantage and certainly nothing from AidVantage. I never recieved a payment either of the refunded payment amount. I tried to contact XXXX XXXX and there is no way to contact them. 
I have several screen shots from my XXXX XXXX account when it was still a viable entity, but they completely wiped out my account at a certain point so that none of my history was located in the account. 

I have tried to contact AidVantage repeatedly and they have no record of me. This is getting utterly frustrating and there is no way for me to fix this issue without filing this complaint b/c I seem to be lost in the abyss. 

Attached please find a copy of the certified letter I sent XXXX XXXX back in early XXXX asking for the refund to be processed well within the timeline required. I also believe I have emails from XXXX XXXX when I sent the requests via email as well ( that they did not ever respond to ), but I would have to locate them. I also attached a couple of additional supporting documents to better support my position. 

PLEASE SOMEONE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: TX

Complaint narrative:
The credit bureaus are reporting my credit score as a XXXX. I have paid all outstanding items on my credit report as of XX/XX/2022. Instead of my score increasing to accurately report the fully paid debts, my score was dropped from around XXXX to a XXXX. Per the credit bureaus, my score can not go below a XXXX. I did not have extensive debt reporting, repossessions, bankruptcies, liens or foreclosures. When I called the agencies requesting immediate remediation, I was advised that there was nothing that could be done, but, a supervisor would return my call and my complaint would be escalated. I have received no response to date. This score is incorrect/inaccurate and has caused personal harm and hardship. The agencys are also reporting this to parties requesting credit worthiness information causing declined credit applications, denied rental applications etc. 
This is illegal and in violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The credit bureaus are reporting my credit score as a XXXX. I have paid all outstanding items on my credit report as of XX/XX/2022. Instead of my score increasing to accurately report the fully paid debts, my score was dropped from around XXXX to a XXXX. Per the credit bureaus, my score can not go below a XXXX. I did not have extensive debt reporting, repossessions, bankruptcies, liens or foreclosures. When I called the agencies requesting immediate remediation, I was advised that there was nothing that could be done, but, a supervisor would return my call and my complaint would be escalated. I have received no response to date. This score is incorrect/inaccurate and has caused personal harm and hardship. The agencys are also reporting this to parties requesting credit worthiness information causing declined credit applications, denied rental applications etc. 
This is illegal and in violation of FCRA.

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