vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
I WAS VICTIM OF SOMEBODY ELSE USE MY INFORMATION, I REQUESTED THE DEBT VALIDATION FROM ORIGINAL CREDITOR, THEY COULDN'T PROVIDED WITHIN 30 DAYS , NOW HAS BEEN MORE THAN 55 DAYS , COMPANY PROMISE DELETION FROM THIS ACCOUNTS THAT ARE DUPLICATED WITH THE SAME COMPANY, ACCOUNT NUMBER IS # XXXX,  SUPERVISOR EMAIL PROVIDED WAS 	XXXX, XXXX  IS ILEGALLY HAVING THIS INTO MY CREDIT REPORT , THEY PROVIDE TO ME BEFORE WITH FALSE EMAILS BEFORE I COULD SEND IT TO THEM WITH , THEN ON XXXX XXXX  THEY PROVIDE AN AUD OR CONFIRMATION NUMBER (XXXX) FOR DELETION ON XXXX, STILL REPORTING OVER MY CREDIT , THEY HAVE TAKE CARE OF SAYING LIES AFTER LIES NOT PROGRESS REPORTED .

COMPANY CREDIT MANAGEMENT CO
Account Number
XXXX  Creditor Classification
MEDICAL_OR_HEALTH_CARE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting 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: NV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-21 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX : XXXX, DEPT OF ED / XXXX : XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX : XXXX, DEPT OF ED / XXXX : XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XX/XX/year> Subject : CFPB to take off negative score. 
To : XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Per the FCRA, as a federally protected consumer, I am now opting out of any or all authorization I the consumer may have given you written, unwritten, verbal, or non-verbal per 15 USC 6802. Thank you.

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 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My payment history reflects a pattern of punctuality, and this entry is causing me undue stress and concern. I ask that you rectify this mistake promptly by updating my account.

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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
My husband died in XXXX. Some people were helping me and had access to his personal information. They opened up a credit card in our names. The capital 1 credit card on my credit report was never my card and I did not authorize or open this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Yes this account was never reporting on my credit before and is now showing late payments. I never agreed to have this account open and have sent them numerous validation letters with no response. They are also currently involved in a class action law suit for falsely opening accounts when they switch over to XXXX. I demand action be taken against this company and my lawyers will be involved the account in question is 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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My payment history reflects a pattern of punctuality, and this entry is causing me undue stress and concern. I ask that you rectify this mistake promptly by updating my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: MOHELA
State: NY

Complaint narrative:
I submitted a student loan consolidation application through StudentAid.gov to have my loans currently serviced by XXXX consolidated and moved to Mohela. I submitted my application on XX/XX/XXXX and it is currently XX/XX/XXXX and my loans have yet to be moved to Mohela. 

XXXX states that they sent the payoff amount to XXXX and XXXX claims they forwarded by application to Mohela but Mohela says it's not in their system yet. Thus, my loan consolidation seems to be lost in limbo. 

I'd like an answer to when I can actually expect Mohela to have my loans active in their system ( or better yet for them to actually be moved over ). I've spent hours on the phone with these 3 companies and they all point at each other as the issue. I'm concerned about getting this done in a timely manner so I can quality for the one time PSLF adjustment. Thank you for your attention to this 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 2024-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FinCo Services Inc DBA Current
State: OH

Complaint narrative:
Somebody used my information to make a purchase on XXXX using XXXX $ I talked to the merchant they are willing to me reimburse my money back but CURRENT BANKING IS NOT RESPONDING TO ME AT ALL I HAVE PROOF

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
This account : 1. XXXX XXXXXXXX XXXX XXXXXXXX - 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 2024-02-21 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX : XXXX, DEPT OF ED / XXXX : XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX  : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in 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
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I am writing to formally exercise my rights under the Fair Credit Reporting Act ( FCRA ) and Privacy Act of 1974, as a federally protected consumer, to opt out and rescind any and all prior assumed authorizations of the sharing of my private data and personal information I may have given you, written, non-written, verbal, or non-verbal per 15 U.S. Code 6802. 

I hereby request that you cease and desist from sharing or disseminating any of my private data and personal information to third parties, unless explicitly authorized by me in writing. This includes but is not limited to my name, address, social security number, financial information, and any other data that could be deemed sensitive or private. 

Furthermore, I revoke any consent that may have been implied or assumed in any previous agreements or interactions with your organization or any affiliated entities. It is my explicit desire that my private data and personal information be kept confidential and only used for the purposes explicitly agreed upon, approved of and authorized in written form by the consumer, in any contracts or agreements between myself and your organization. 

Please consider this letter as a formal notice of my intent to opt out of any data sharing practices and to rescind any prior authorizations. As such, I expect immediate compliance with my request and confirmation of action taken within the timeframe required by law. 

Failure to comply with this request may result in legal action, including but not limited to pursuing remedies available under the FCRA, Privacy Act of 1974, and other applicable statutes. 

Thank you for your prompt attention to this matter. I trust that you will handle my private data and personal information with the utmost care and respect for my privacy rights.

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 2024-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: KEYCORP
State: NY

Complaint narrative:
Someone charged {$300.00} I want refunded back into my KeyBank account because it was fraud and it was taken from an ATM somehow so I already replaced my card. I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/2024 I went to Regions Bank online portal, and scheduled a payment to my Regions Credit Card # XXXX. 

I paid the statement balance in full. 

{$63.00} I scheduled the payment for the due date, which is XX/XX/. 

The payment was to be made from my Regions checking account. 


On XXXX XXXX  I received both a text message and an email advising the following : Our records show that your account ending in XXXX is past due. It is important that you make a payment as soon as possible. 

Alarmed, because I thought I had indeed made a payment, I quickly went on line to the Regions on-line portal, and saw that on todays date, XX/XX/XXXX, that payment for {$63.00} was pending. 
I also saw that a {$25.00} late fee and interest charges of {$.00} had been charged to the account on XX/XX/XXXX. 

I knew something was fishy, because I was sure the payment had been scheduled for the due date, just like every month, the XXXX. 

I immediately started a chat with Regions online representative. This eventually became a supervisor and a supervisors supervisor all telling me the same thing. 

I couldnt believe my ears! 

According to Regions Bank, to have avoided a late fee and interest charges the payment should have been scheduled to have occured on XXXX XXXX. By XXXX. 

Even though I scheduled it for the due date, XX/XX/XXXX, weeks before-according to Regions bankmy account was subject to penalties and interest charges, because the XXXX occured during the weekend. 

The first supervisor tried to tell me that i had made the scheduled payment at XXXX XXXX  on the XXXX. I then said, Thats not accurate, I went on line to schedule the payment, weeks ago!. Besides!! Its still the XXXX that the payment is being made. 


Regions representative then told me how I needed to set up auto-pay to avoid this happening in the future. 

I told Regions rep that I had been doing a manual payment with their bank for decades. 

I HAVE THE TRANSCRIPT OF THE COMMUNICATION THAT I SUFFERED THROUGH, EARLIER TODAY-CONSEQUENTLY, ANY OF MY ASSERTIONS OVER WHAT WAS SAID CAN BE VERIFIED. 

HELP!!!!!!!!!!!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My payment history reflects a pattern of punctuality, and this entry is causing me undue stress and concern. I ask that you rectify this mistake promptly by updating my account.

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 2024-02-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: DISCOVER BANK
State: TN

Complaint narrative:
I applied for a home equity loan from Discover Home Loans on XX/XX/. The purpose of the loan was to finance the construction of a new covered deck for my home and to consolidate some existing consumer debt. Shortly after applying, a family member offered to help with the deck which would substantially reduce the cost of the project and alter the amount I wanted to borrow. So, I de

cided to delay moving forward with the project until I can determine the cost of the project. In the nine ( 9 ) days
since, I have since received over 100 phone calls related to this application. The calls come in pairs that are 10 minutes apart every two hours or so throughout the day. I have notified Discover of my intent to delay the project and asked them to stop the calls to no avail. I worry they have sold information about my application or have somehow otherwise notified other mortgage originators of my application as the calls come from multiple numbers and continue despite my requests that they stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: AppFolio, Inc.
State: PA

Complaint narrative:
Was denied equal opportunity to credit & lease a new apartment with company " XXXX '' after " Appfolio '' did a credit background check. Adverse action has been taken against consumer due to inaccurate and false credit reporting. 15USC 1681b experiences and transactions may not be reported. 15USC1692 e CRA 's may not take adverse action causing harm to the consumer. I am now facing homelessness, hardship, and mental instability, humiliation. Deceptive forms are being furnished 15usc1692j harming consumers credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
incorrect information on 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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
incorrect information on 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 explanation