vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
After XXXX transferred my loan to Aidvantage, I proceeded to do my taxes. It wasn't until I received my 1098 that I saw that my loans were charged {$7700.00} in interest for 2021. My federal loans are supposed to be zero interest during the federal student loan forbearance. I'm not supposed to be charged this interest. My loans are in good standing. I should have this money credited back to my current loan balance. Since my loans are no longer serviced by XXXX, it was suggested that I make a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: MO

Complaint narrative:
There are several problems with my credit that are detailed in the lettter enclosed

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 2022-03-27 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: AZ

Complaint narrative:
I have alot of negatives items that I can't seem to get resolved there are all listed in the letter enclosed

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 2022-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : 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 Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
This is not sent in error, on XXXX XXXX, my information was used to open a Store credit card that I didn't not agree to. I contacted the company XXXX XXXX XXXX and Genesis FS to have the inquiry and card closed .However they continuously transfered me to other employee and not the fraud department. Every employee states they do not have a fraud department.However this is a violation under multiple laws : -under 15 U.S. Code 1602 ( p ) - unauthorized use of my information -Misleading False Reporting FDCPA Section 807 -This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: AZ

Complaint narrative:
there are numerouis inaccurate listings on my account that need to be investigated see letter attachached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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:
I was taken advantage of due to malpractice while several laws were being broken under FCRA by your company. This has caused the financial injury, defamation of character, unable to get a job, and the inability to apply for credit under my consent and authorization. This has hurt my ability to obtain credit. My family and I are suffering due to this. You are indirect violation of the FCRA if these unauthorized inconsistencies are not removed. This leaves me exposed to being a victim of fraud again. Your company is breaking the law! The dates on the accounts that need to be remove are reporting different dates, that is a huge FCRA violation. Thank you for understanding these violations and these inaccurate fraudulent accounts that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : 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 Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-03-27 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: NJ

Complaint narrative:
I, XXXX XXXX the consumer discovered on XX/XX/2022, that Experian CRIMINAL ACTS has violated not only my consumer right to privacy, but also the FAIR CREDIT REPORTING ACT by way of unfair and inaccurate reporting. Experian has failed to do a proper investigation This has caused me to lose confidence in the banking system. Experian willfully and negligently failed to comply with the FCRA ( 15 usc 1681n & 15 usc 1681o ), by placing SIX ( 6 ) charge offs/collection accounts on my consumer report in which Congress stated should be excluded pursuant to 15 USC 1681c ( 4 ). By doing so has failed their grave responsibility of fairness and respect for my right to privacy as a consumer. Never, did I give Experian, direct written permission or instructions to report any negative accounts or alleged debts on my consumer report. As Congress stated in 15 USC 1681b ( 2 ). Experian failure to comply with the FCRA has caused severe damages and injuries to me.

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 2022-03-27 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account : XXXX XXXX, has violated my rights. XXXX XXXX XXXXXXXX has not sent any documentation proving the debt or any signature proving how the account was opened. 


In accordance with the Fair Credit Reporting act XXXX XXXX Account : XXXX, has violated my rights. XXXX XXXX has also sold the account and reports a balance that is different from XXXX which is the company they sold the debt to, XXXX has various amounts and will not send documentation of a signature or how the account was opened, it has been past thirty days.

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 non-monetary relief
Consumer complaint received 2022-03-27 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account : XXXX XXXX, has violated my rights. XXXX  XXXX XXXX has not sent any documentation proving the debt or any signature proving how the account was opened. 


In accordance with the Fair Credit Reporting act XXXX XXXX Account : XXXX, has violated my rights. XXXX XXXX has also sold the account and reports a balance that is different from XXXX which is the company they sold the debt to, XXXX has various amounts and will not send documentation of a signature or how the account was opened, it has been past thirty days.

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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
I was purchasing airline tickets on United 's website. As I was getting ready to check out there was an offer for the XXXX XXXX card that said if I applied and got immediately approved that I could get a {$250.00} credit after the purchase and additional miles after spending {$3000.00}. I used that link to apply for the card and was immediately approved and then used the card to make my purchase. Several days later I called to find out when the {$250.00} credit would be applied to the account and keep getting told they have no record of the credit offered. I have spoken with XXXX and Chase on multiple occasions trying to get this issue resolved. 
I applied for the card using the offer link provided on the United page that was provided online ( a {$250.00} credit to my account with my first purchase and the airlines miles after spending {$3000.00} in the first 3 months. ). I don't know why people keep saying they have no idea what I'm talking about regarding the {$250.00} account credit. This seems like a case of false advertising at this point. I wouldn't have even applied for the card if that offer hadn't been advertised on my purchase. 
On XX/XX/XXXX at XXXX pm, I called again asking for information. The representative told me that the {$250.00} credit would be refunded to my account when the cycle closed on XX/XX/XXXX. I called three times this morning ( XX/XX/2022 ), and the representative told me that there is no refund of this offer in my account. They say that they will transfer me to a higher representative but the call cuts. So, there is no answer. I have recorded some calls for my safety. 
If you check the page of XXXX XXXX, there is an advertisement that offers a {$250.00} credit statement and XXXX bonus miles. It was the same advertisement but XXXX bonus miles instead of XXXX. 
I am attaching a screenshot of the offer shown on the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: NC

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, the information on my identity theft report has not been blocked. I feel like I'm being taken advantaged of and being ignored of my disputes. In Section 605B, it is plainly stated that 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 days. My information was impacted by the XXXX data breach and has gotten into the hands of the wrong person. I have sent a notarized copy of the affidavit attached. The document was notarized to authenticate the documents and my identity, no further proof of identity should have been required. Any responses that I have received were general responses and did not respond specifically to my affidavit nor my disputes. They did not comply with my demand to block the information in the affidavit pursuant to the law. I have followed all of the necessary steps in order to legally and rightfully have these items removed, including but not limited to : Sending letters to the reporting agency, filing FTC reports with the Federal Trade Commission and sending notarized affidavit of truth clarifying the identity theft. The extended length of time to remedy this situation has drastically impacted my financial stability. I demand these accounts be deleted immediately or I will file for litigation and seek damages due to the stress you have caused me.

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 2022-03-27 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: NC

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, the information on my identity theft report has not been blocked. I feel like I'm being taken advantaged of and being ignored of my disputes. In Section 605B, it is plainly stated that 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 days. My information was impacted by the Equifax data breach and has gotten into the hands of the wrong person. I have sent a notarized copy of the affidavit attached. The document was notarized to authenticate the documents and my identity, no further proof of identity should have been required. Any responses that I have received were general responses and did not respond specifically to my affidavit nor my disputes. They did not comply with my demand to block the information in the affidavit pursuant to the law. I have followed all of the necessary steps in order to legally and rightfully have these items removed, including but not limited to : Sending letters to the reporting agency, filing FTC reports with the Federal Trade Commission and sending notarized affidavit of truth clarifying the identity theft. The extended length of time to remedy this situation has drastically impacted my financial stability. I demand these accounts be deleted immediately or I will file for litigation and seek damages due to the stress you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has used multiple debt creditors with wrong and possibly false information. Every time we take our kids to our XXXX they say you owe nothing for a wellness check under obamhacare rules. Then every couple months we get bills for a XXXX or XXXX there. they also only go every couple of months. But every time these credit places have contacted us they send a debt collection without any 20, 60, or 90 days let alone any other correspondence. This latest one is medicredit www.medicreditcorp.com I really wonder who the person at XXXX is getting a kick back to keep making this fraudulent bills. Everytime they come out of the blue the only reason I keep going back is that my wife loves the XXXX but for XXXX they either need a accounting audit or a investigation by the proper authorities at this point. I would ask that you have both XXXX and this collector provide full bills, correspondences to the physician not a company representative, full correspondence to the insurance company, all messages send to the supposed debtor. And a full break down of the bill. This at the very least violates the FCRA but like I say this has happen so many times for a XXXX there and here someone maybe making a profit off of scare tactics. I have insurance and we always ask if we owe something. I have multiple witness to that affect. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
So today XX/XX/XXXX receivables performance put a collection on my credit report saying the original creditor is XXXX XXXX which when looked up its a collection agency for a XXXX car I never had a XXXX car I have one car which I paid through XXXX XXXXXXXX I disputed with XXXX but how can this company put anything on my name and not send anything thru the mail stating I owe them or I can dispute because I dont have or never had a XXXX car

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 2022-03-27 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: GA

Complaint narrative:
XXXX App Has The Wrong Social security XXXX IRA Has Account Has The Wrong Social Security Number On It I Am Unable To See My Credit Score For XXXX XXXX XXXX XXXX I Know My Phone And My Data On My Phone Is Being Messed With Someone Is Hacking All My Accounts My email account XXXX was exposed to something called the Dark Web please Tell Me What to Do also the credit people keeps on getting my information mixed up with my brothers

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 2022-03-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
Date showing reporting started- XX/XX/XXXX Date showing account started- XX/XX/XXXX Original loan amount reporting- {$5500.00} Past due loan amount reporting- {$8000.00} I have filed and submitted police reports, identity theft reports, as well as numerous letters to request accurate reporting or removal from my credit and to no avail. Account has shown inaccurate reporting as well as supposed collection attempts which have hurt my score with all three of the credit bureaus.

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 2022-03-27 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: STERLING JEWELERS, INC.
State: FL

Complaint narrative:
This is not sent in error, on XXXX XXXX, my information was used to open a Store credit card that I didn't not agree to. I contacted the company JARED the galleria and XXXX XXXX to have the inquiry and card closed .However they continuously transfered me to other employee and not the fraud department. Every employee states they do not have a fraud department.However this is a violation under multiple laws : -under 15 U.S. Code 1602 ( p ) - unauthorized use of my information -Misleading False Reporting FDCPA Section 807 -This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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:
This is not sent in error, on XXXX XXXX, my information was used to open a Store credit card that I didn't not agree to. I contacted the company XXXXXX/XX/XXXX to have the inquiry and card closed .However they continuously transfered me to other employee and not the fraud department. Every employee states they do not have a fraud department.However this is a violation under multiple laws : -under 15 U.S. Code 1602 ( p ) - unauthorized use of my information -Misleading False Reporting FDCPA Section 807 -This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

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 2022-03-27 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: Block, Inc.
State: CT

Complaint narrative:
My cashapp card was charged XXXX on XX/XX/XXXX @ XXXX XXXX XXXX XXXX in new york . I live in connecticut and have no knowledge of this purchase. I tried filling a dispute with cashapp but have not heard anything back. I reached out to XXXX  but they told me that they can not do anything about it only cashapp can.

Company response to consumer: Closed with explanation