vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-30 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 am a consumer and I am filing a complaint against Experian with my own free will. I am not being coerced by any third party or credit repair agency. This is a final notice in regards to the inaccuracies being furnished for the following accounts XXXX  XXXX - XXXX XX/XX/XXXX XXXX  XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXXe - XXXX XXXX XXXX, XXXXXXXX XXXX-Retail - XXXX XX/XX/XXXX, please review the following attachments to see my full complaint.

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 2022-08-30 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: AFNI INC.
State: CA

Complaint narrative:
Incorrect spelling of name, wrong address, saying account is open with a balance in collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: PR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX have violated my rights XXXX 

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 2022-08-30 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: MI

Complaint narrative:
Date XX/XX/2022 Experian has committed Fraud Pursuant 15 USC 1681B, I never gave Experian permissible purpose or any written letters or instructions to report any information on my Consumer 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 2022-08-30 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: NC

Complaint narrative:
Please see the attached document. This is is not a duplicate. 

I have several disputes that point to XXXX XXXX XXXX. 

Please see attached document for several disputes included in one report as attached where the company XXXX XXXX XXXX has reported inaccurate data, or missing data, and malicious data. 

The complete complaint is in the attached document. 

XXXX XXXX XXXX is also reporting this collection as a regular tradeline account and they have failed to report this collection as a medical bill.

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 2022-08-30 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: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I have never heard of this BANK that they are claiming that I owe them..

It is on my credit report and its ruining my credit..

I tried calling I keep getting a foreigner on the phone that I cant understand.. 
I dont believe I owe this because I cant get anymore information about it..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I went in branch and closed my account in XXXX. Got my ledger too! And the check for my funds. 
The account is not closed! They just gave me a fee so I'm at negative balance somehow! 
I even have all calls with them recorded about closing the 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 monetary relief
Consumer complaint received 2022-08-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: MO

Complaint narrative:
I reached out to EdFinancial.com on XX/XX/XXXX to request a refund for student loan payments made during the Covid 19 payment pause and was told the refund could take up to 180 days to process. They would not provide me with a total amount of the refund they submitted the request for and would only quickly rattle off some payments made both before the pause began and after.

I asked for a confirmation the refund was submitted and is currently being processed and was told they can not provide an email, tracking number, or any type of confirmation to me. This makes me wonder if the request was even submitted, as I've seen others post comments that they've had to call 2 or 3 times for the request to go through.

I explained the 180-day delay in receiving the refund was okay. Still, with the new forgiveness program beginning before the end of the XXXX calendar year, I wanted to apply for forgiveness on the total amount after the refund. They stated they do not know and can not guarantee my refund will be added to my account before the end of the year to submit a forgiveness application before the payment pause ends.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I had a small XXXX restaurant, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX phone XXXX, my cellular number XXXX XXXX XXXX my merchant number ( accept credit card ) with td bank usa - XXXX, their customer phone XXXX my checking number - ( XXXX ) I cancel their merchant service to accept credit card on XX/XX/XXXX, but I got charge {$5000.00} on XX/XX/XXXX, I didn't get any mail for notice. They told me I pose a min on debit/credit sale. But I stop already in long time ago. There is no reason charge such high fee no matter what, td bank help XXXX charge me {$5000.00} on XX/XX/XXXX, that is not right and legal, should send me legal document by cert mail to inform me and call me. 
I called td bank merchant service 2 times, they told me I need contract visa, I called XXXX  and disconnect my call. I email to XXXX. but no answer.

td bank and XXXX  had no right charge such high fee, please help me get back money, you can email or call me, help me get back money {$5000.00} which charge on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: GA

Complaint narrative:
Equifax has not been updating my information and has not been updating and reporting accurate information on on XXXX XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I contacted Navinet to advised them they are incorrectly reporting I have had 2 missed payments. Student loans were on a pause by the Federal government under the Covid 19 relief for federal student loans and will continue through XX/XX/2022. Due to this federal law rights under the Fair Debt Collection Protection Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) has been violated under 15 U.S.C 1692e and if not corrected immediately, legal action will follow. Please expedite the request

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
i have a chase freedom unlimited card and I decided to turn on automatic payments. When the due date finally came, it only paid a portion of the statement balance instead of the full amount. I didn't know of the error until a few days later saying when i got an email from chase charging me a late fee and noticed my credit score took a dip

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: MD

Complaint narrative:
Hello, I received collection on my credit report. Before receiving derogatory on my account. Carpio partners never informed me of any debt, but instead sent me straight to collection. I sent mail but no response ; disputed using three agencies but always come back as verified. I dont remember owing any hospital cos I have insurance which covers 100 of my debt. I called today XX/XX/XXXX to request for debt validation to know when and how I got the debt. They informed me I wont be getting no debt validation which is crazy as even the so called hospital is unknown to me. I have no way of fighting this without involving the government to check this as consumer law rights was/had violated. I ask/plead with CFPB to request debt validation or how debt correlate to me in order to make a move on this account as my account already is on heavy identity theft and this could be one. I need a debt validation or have item removed from credit file as its messing up my credit report. Also I see XXXX law appear on credit report but different company called Capio partners. It becomes frustrating when you cant trace the cost of debt. If I own it why not prove it to me its mine? 
It was first sent XX/XX/XXXX and again repeated XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30 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: IL

Complaint narrative:
On XX/XX/2022 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services , LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. XXXX, Equifax, and XXXX are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public recordsXXXX XXXX Bankruptcy and accounts. 
My credit report is still reporting two XXXX XXXX. accounts, and a US bankruptcy account. Please see attached FTC Identity Theft Report. 
On XX/XX/2022, I sent XXXX, Equifax, and XXXX a follow up letter to request they remove the above accounts and they did not. This has caused me tremendous anxiety, stress, and financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2022 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. XXXX, XXXX, and Experian are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX XXXX Bankruptcy and accounts. 
My credit report is still reporting two XXXX XXXX. accounts, and a US bankruptcy account. Please see attached FTC Identity Theft Report. 
On XX/XX/2022, I sent XXXX, XXXX, and Experian a follow up letter to request they remove the above accounts and they did not. This has caused me tremendous anxiety, stress, and financial hardship.

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 2022-08-30 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: R & B Corporation of Virginia
State: CA

Complaint narrative:
Incorrect spelling of name, wrong address, saying account is open with a balance in collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
Incorrect spelling of name, wrong address, saying account is open with a balance in collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: NC

Complaint narrative:
Please see the attached document. This is is not a duplicate. 

I have several disputes that point to XXXX XXXX XXXX. 

Please see attached document for several disputes included in one report as attached where the company XXXX XXXX XXXX has reported inaccurate data, or missing data, and malicious data. 

The complete complaint is in the attached document. 

XXXX XXXX XXXX is also reporting this collection as a regular tradeline account and they have failed to report this collection as a medical bill.

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 2022-08-30 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Please see the attached document. This is is not a duplicate. I have several disputes that point to XXXX XXXX XXXX. Please see attached document for several disputes included in one report as attached where the company XXXX XXXX XXXX has reported inaccurate data, or missing data, and malicious data. The complete complaint is in the attached document. XXXX XXXX XXXX is also reporting this collection as a regular tradeline account and they have failed to report this collection as a medical bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: Rent Recovery Solutions
State: NC

Complaint narrative:
Rent recovery solutions company, continues to maliciously, inaccurately, and illegally report this bogus collection to XXXX. See attachment. 

The initial delinquent date is suppose to be XX/XX/2014 and they continue to report it a year later beyond the accurate date!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
Good evening, I made a payment a mortgage payment to Freedom Mortgage on XX/XX/XXXX for the month of XXXX and this payment was not credited to my account on XX/XX/XXXX. It was credited on XX/XX/XXXX. 

This resulted in a negative credit bureau reporting of 30 days late which dropped my credit score by XXXX points with one bureau. 

I have always ensured that my payment is made in the month of, most times on the XXXX as I have extenuating financial situations but do not ever want to fall behind on payments. 

This has never happened before and I was never formally informed that tis could happen. 
I was taken aback by the messages I got online ( this must be new ) and tried sending secured messages immediately. These I will attach. 

This mortgage company is taking unfair advantage of consumers as the date is very important to record keeping and the date the payment was made was XX/XX/XXXX. 

As I was traveling there was a one hour difference and it showed as XX/XX/XXXX in their system. I did not have available internet service and had many challenges getting to a reliable source to get access to their website as I specifically did not want a late payment. 

I called Freedom Mortgage a few times to request intervention and a courtesy and this evening my call was escalated to XXXX employee id XXXX who said there is no courtesy that can be shown regardless of the time the payment was ACTUALLY made vs. the time their system made the credit. He was even able to tell me that he could see each time that I logged on checked and eventually made the payment and sent the messages. All of this was done between XX/XX/XXXX and XX/XX/XXXX for 3 years, 3 years of on-time payments and I was refused a one-time courtesy due to the weekend dates as historically they were able to tell me that all my payments were made between XX/XX/31 but those were week days??... so this being a weekend My credit will be damaged for 7 years??? for a payment that was MADE on their system before the end of the month that they can VERIFY

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 2022-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Credit and Collection Service, Inc.
State: OR

Complaint narrative:
A collection agency sent a bill to my house, but the bill had the wrong name ( Not mine ) for something I never purchased. I call the company and told them they had the wrong name. Sort of similar, but not really, to my name. They said they would just change the false name to my name, and I should pay! I have not done business with the company and owe nothing. 
I sent this info to you by letter, perhaps about 2 months ago.I received a letter from you with a case number. The letter was no help. I called your phone number, and got someone who said I did not have my e-mail or phone number on my letter, so nothing would be done. I don't remember seeing where those two were asked for. Anyway, the person I was talking with said to send that information back to you folks, which I did with my case number. Then I got a letter from you which looked as it was telling me how to file a complaint which I already have done. What do I need to do to get these people hounding me for money I don '' t owe off my back? 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX company, continues to maliciously, inaccurately, and illegally report this bogus collection to equifax. See attachment. 

The initial delinquent date is suppose to be XX/XX/2014 and they continue to report it a year later beyond the accurate date!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX 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