vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I opened an account, deposited a check and then was notified they were closing my account. The check cleared and now has been sitting in the account for over 3 months with no movement. I submitted a claim over this previously at the end of XXXX and they still have my funds hostage. They claimed they would return the funds but the funds are from a check from the state of oregons revenue for a tax return so there is no returning it. The state can not reissue a check because capital one has successfully cashed it into the account they are now holding hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: TRUIST FINANCIAL CORPORATION
State: KY

Complaint narrative:
This account is a direct violation to 15 USC 1681n, 15 USC 1681o, 15 USC 1681e, 15 USC 1681a2b, and IRS Publication 4681. I have been disputing this fraudulent account for years and it has been extremely difficult, damaging and hurtful. Not only is this not my account all three bureaus have conflicting information from, account type, date opened, payment status, comments, and payment history. Because companies can not keep my information safe, I have been a victim of multiple breeches, fraud, and other identity violations. I have suffered, denial of credit, increased cost of credit like paying 159 % interest for a small personal loan, and lost opportunity to obtain credit. I have suffered damage to my personal and professional reputation, derogatory info sent to insurers, creditors, banks, and employers. I've also suffered damage to my reputation among my peers ; loss of financial independence ; loss of self-esteem, being personally violated, and continuous harassment and invasions of privacy. Not to mention the emotional distress, embarrassment, and frustration of being denied credit, having to explain errors on the credit report, knowing that false information is being reported, physical symptoms : headache, loss of sleep, XXXX, crying, irritable ; interference with normal and usual activities ( time spent trying to fix errors, get credit, review reports, interference with work, distracted, inability to concentrate. ) I am currently trying to get a new job and a new home, and this has come up yet again threatening my personal and professional wellbeing. This is absolutely total defamation of my character and humiliating to have to explain. This is also in violation of Fair Credit Act and Fair Debt Collection Practices Act, Public Law 111-203 ; Title X ; 124 Stat 2092. Please remove this off all my credit reports 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 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My account information is being improperly managed, there is a 30 day late payment posted on an account in great standings and has always been in good standings, called the Mortgage company to verify there has been no late payments posted, tried resolving with each of the credit bureau 's by asking that this account be validated and verified as accurate but have had no success.

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 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My account information is being improperly managed, there is a 30 day late payment posted on an account in great standings and has always been in good standings, called the Mortgage company to verify there has been no late payments posted, tried resolving with each of the credit bureau 's by asking that this account be validated and verified as accurate but have had no success.

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 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ACIMA CREDIT, LLC
State: CT

Complaint narrative:
Acima Digital Fka Simp Act. # XXXX Collection/ Chargeoff XXXX Opened {$0.00} High Balance {$0.00} Balance Individual Account Installment Account Type Closed Condition XXXX XXXX Reported {$0.00} Payment Remarks : Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Payments XXXX XXXX Late Payments XXXX XXXX Late Payments XXXX XXXX Late Payments XXXX XXXX Late Payments Compare this account across all bureaus. 
Hide Comparison Reported Condition Balance High Balance Payment Status Late Payments Amount Past Due Type XXXX Closed {$0.00} {$0.00} {$0.00} XXXX XXXX {$0.00} Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

I have never been late on payments for the account : ( XXXX XXXX ) : ( Account # XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2023-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: IN

Complaint narrative:
I have more than XXXX payments that qualify for the PSLF program. My servicer, MOHELA, processed this paperwork in XXXX, but they only applied the information to some of my loans. My account currently shows that I have over $ XXXX of loans with XXXX payments. This is incorrect. I have lost track of the number of times I've called. In my most recent call, in XX/XX/XXXX, I asked if MOHELA needed anything from me to update these payment counts. The representative said, " your account is good '' and " just give it time. '' They promised that the counts would be updated after the first of the year. We are now approaching the second quarter of XXXX, and there has been no update on my account and absolutely XXXX communication from MOHELA. 

The problem is that MOHELA does not process paperwork accurately and does not communicate factual information. My loans should have been forgiven long ago, and I do not understand why MOHELA is being paid to process loan forgiveness when they are not doing their job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: NC

Complaint narrative:
This company continues to file a new collection on my account every year with a new account number. I have tried disputing this over and over and they supposedly provide documentation but all it has is a digital signature. The address in which they provided I was not even living in at the time. The last XXXX of the credit card they are claiming I have never even had. This company is purely a scam that is ruining my credit with not hard proof my social security number is no where on the info.

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 2023-03-14 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: AES/PHEAA
State: KY

Complaint narrative:
This account is a direct violation to 15 USC 1681n, 15 USC 1681o, 15 USC 1681e, 15 USC 1681a2b, and IRS Publication 4681. I have been disputing this fraudulent account for years and it has been extremely difficult, damaging and hurtful. Not only is this not my account all three bureaus have conflicting information from, account type, date opened, payment status, comments, and payment history. Because companies can not keep my information safe, I have been a victim of multiple breeches, fraud, and other identity violations. I have suffered, denial of credit, increased cost of credit like paying XXXX  % interest for a small personal loan, and lost opportunity to obtain credit. I have suffered damage to my personal and professional reputation, derogatory info sent to insurers, creditors, banks, and employers. I've also suffered damage to my reputation among my peers ; loss of financial independence ; loss of self-esteem, being personally violated, and continuous harassment and invasions of privacy. Not to mention the emotional distress, embarrassment, and frustration of being denied credit, having to explain errors on the credit report, knowing that false information is being reported, physical symptoms : headache, loss of sleep, nausea, crying, irritable ; interference with normal and usual activities ( time spent trying to fix errors, get credit, review reports, interference with work, distracted, inability to concentrate. ) I am currently trying to get a new job and a new home, and this has come up yet again threatening my personal and professional wellbeing. This is absolutely total defamation of my character and humiliating to have to explain. This is also in violation of Fair Credit Act and Fair Debt Collection Practices Act, Public Law 111-203 ; Title X ; 124 Stat 2092. Please remove this off all my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Venmo, without my knowledge or consent, is classifying transfers between individual people as cash advances when reporting the transaction to XXXX XXXX XXXX XXXX. As a result, XXXX CXXXX XXXX XXXXXXXX is charging me a fee and interest on the transaction. The transaction records on Venmo 's side do not make any indication whatsoever that the transaction was considered a cash advance or that it would be coded as such on the credit card transaction. This is the first time this has happened to me and this has not previously happened. I believe this is deliberate collusion between Venmo and credit card processors to abuse consumers into paying fees and interest on low-risk transactions where it is not necessary or disclosed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
Someone filed a tax return in my name to get the last stimulus check of {$1400.00}. I was incarcerated at the time of activity. They e filed the return. The IRS put the return on a XXXX XXXX  card. ( now XXXX XXXX  ) The person ( s ) opened a Chime Bank account in my name then had the funds transferred over. I tried to dispute the claim with XXXX but they said I could not because they thought it was me. 

I contacted Chime and they closed the account but would not give me any information on the account. No amounts, account numbers, dates, anything. After begging one employee she told me the amount was {$1300.00} ish because of a transfer fee. 
I contacted XXXX XXXX  and they also closed the card account. The only info the gave me was that {$1400.00} had been put into there by the IRS but was taken out and put into a Chime account in XXXX of XXXX. If I am remembering the date correctly. 
I uploaded a police and an FTC report with Chime along with proof of my social security number. Chime told me they were going to send me info but after weeks I had to reach back out to them to get a confirmation email saying they are working on it. 

On XX/XX/XXXX, I received a letter stating of a debt for {$1300.00} ish from XXXX XXXX  whom Ive never banked for a retail credit card. ( no name on retailer ) Im not sure if they are directly related but noted for report purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
On XX/XX/2023 I logged into my account with Mr. Cooper online because I wanted to update my autopay amount. I noticed that the next scheduled autopayment was for XX/XX/XXXX and no payment activity, either pending or cleared, for XX/XX/XXXX was listed anywhere on the account. Not wanting to miss a payment due to a website error, I made a payment for the month of XXXX in the new amount I was intending to increase my autopay to, and then also changed my autopay amount, setting it up to start on XX/XX/XXXX. 

That payment cleared XX/XX/XXXX on my checking account. Then, later that evening, another payment for the old autopay amount was deducted from my checking account. To my knowledge, at that point they were not authorized to make that payment. I called the company on XX/XX/XXXX to request a refund. After communicating with the rep and getting a transaction history communicated to them on the phone through my bank 's automated teller, I was told that my refund request would go through and I would see the funds from the erroneous charge returned to me in 24-48 hours. 

On Thursday, XX/XX/XXXX ( 72 hours later ), the funds still had not been returned to my account. I called Mr. Cooper again, spoke with another representative. That representative told me the previous request had been rejected. No attempt to contact me about this rejection was made, so already there is a problem here. This time we got a representative from my bank on the phone with us to communicate a confirmation number for the funds withdrawn from my account in error. Once again, I was told that the funds would be returned to me in 24-48 hours. 

It is now Tuesday, XX/XX/XXXX, XXXX business days and XXXX calendar days later, and I still have not had my money returned to me from this erroneous charge, nor did I have any contact from Mr. Cooper telling me of any problem. I called once again, spoke with yet another representative, and they told me there was no record of my second request. Time I was told that the refund was issued by the person I was speaking to on the call and was given a confirmation number for the refund, but once again I am being told to wait 24-48 hours. 

I do not at this point have any faith that Mr. Cooper will actually return the money they took from me without my knowledge or consent. I can not imagine this is legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CLGF Holdco 1, LLC
State: MS

Complaint narrative:
This account is on an income driven payment plan and up to date and should not be listed as adverse. Also interest rates applied to balance are inaccurate. Account exceeds 7 years of being able to be listed on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: GA

Complaint narrative:
I am contacting you because I am concerned about the accuracy and honest of your company 's data. As per FCRA section 611, we must have accurate records on file with those who rely upon them most, including customers and potential lenders or employers.

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 2023-03-14 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: MO

Complaint narrative:
I have some inquiries that do not belong to me 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
Consumer complaint received 2023-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX insurance billing office has stated Any balances were paid >Talked to them numerous times and same conclusion with where I attatched to XXXX disoute such findings where they did nothing but Rubber stampes DENIED with no showing of any work they did to resolve what I Believe is deliberate fraud and extortion by collection agency in Question.

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 2023-03-14 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: NM

Complaint narrative:
The XXXXXXXX website is having serious isssues. I was able to obtain my XXXX report, but I had to refresh my browser and print to PDF instead of being allowed to save. XXXX then threw an error and told me I had to do it by regular mail, and the main XXXX interface skipped right over Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been found in my credit report. I have listed these items below for your reference : XXXX XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I request that you remove it from my credit report immediately. 

XXXX XXXX XXXX - Account Number : XXXX Kindly investigate and verify whether this account belongs to me because I can not recognize this business. If it does not, I request that you delete this account from my credit report. 

XXXX  - Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. Therefore, I request that you remove this frivolous account immediately from my credit report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX This address is not correct, so I request that you delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX This address is not correct, so I request that you delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX This employer is not correct, so I request that you delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX This employer is not correct, so I request that you delete it immediately from my report. 

XXXX XXXX  - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I request that you remove it from my credit report immediately. 

XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I request that you remove it from my credit report immediately. 

DEPT OF ED/XXXX  - Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX XXXX - Account Number : XXXX Kindly investigate and verify whether this account belongs to me because I can not recognize this business. If it does not, I request that you delete this account from my credit report. 

Thank you for your attention to this matter. I hope that you will be able to resolve these issues and make the necessary corrections to my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation