vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and ( Original XXXX : ) XXXX have 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
In Accordance with the fair credit reporting act XXXX  NATIONAL CREDIT SYSTEMS INC 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. 


I WAS RECEIVING SECTION 8 HOUSING XXXX XXXX XXXX SIGNED OFF ON NE NOT OWING ANY MONEY BECAUSE THE HOUSING AUTHORITIES PAID MY RENT AMD MY UTILITIES THEY ARE ADDING FALSE CHARGES FOR THE WATER BILL ON A DOCUMENT THEY TYPED UP NOT SHOWING THE REAL BILL AND PAYMENTS! ALSO I PAID A DEPOSIT OF {$700.00} THAT WAS NOT RETURNED NOR APPLIED TO SO CALLED CHARGES THIS IS THEFT AND I WILL HAVE MY LAWYER IN CONTACT! THIS IS A SCAM! You guys added 3 months of water bill service the housing authorities paid all bills and utilities NO WAY there was any balance! The housing authorities will not let a tenant move if any balances are owed! THESE ARE STATE LAWS! The home was sent to abdomen because the owners refused to fix leaking roof and plumbing! All this is documented! No deposit returned to the rebate and false charges put on the credit report to prevent future housing!? This IS AGAINST THE LAW!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: OH

Complaint narrative:
On XX/XX/XXXX my daughter moved out of her apartment at XXXX XXXX XXXX XX/XX/XXXX the company billed and withdrew the monthly rent amount from my bank account of {$470.00} for the month of XXXX even though it should have been prorated because the lease ended XX/XX/XXXX. The invoice attached states the billing period was for XX/XX/XXXX through XX/XX/XXXX. My daughter did move out on XX/XX/XXXX however it was after XXXX XXXX so the charged her {$150.00} holdover fee. I paid a full month rent and they have sent my account to collections. If I paid rent for the entire month of XXXX how am I being charged a holdover fee. The rent should have been prorated or the holdover fee should not apply. Myself and my daughter has tried to contact the office but it will only allow you to leave a message and they will not return our calls to discuss the matter. Today we received another notice dated XX/XX/XXXX request payment. I spoke with the collection agency and informed them that I disagreed with the amount owed. He stated that they did not deal in itemized billing and I would need to contact XXXX who I have attempted to contact 8 times since XX/XX/XXXX and have been unsuccessful. In addition they charged {$120.00} to paint a wall that had no damage they was only normal wear and tear.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: AES/PHEAA
State: TX

Complaint narrative:
I requested a refund on XX/XX/XXXX for a payment made on XX/XX/XXXX of {$21000.00} on my student loans with FedLoan Servicing. I am entitled to the refund according to the CARES Act. As of today ( XX/XX/XXXX ) I have not seen my balance reinstated on my account or a refund, despite being originally told this would occur in 30 to 45 days. I am submitting a complaint due to the following : ( 1 ) FedLoan says they are unable to send a confirmation email or letter confirming my request for a refund has been submitted. 
( 2 ) FedLoan says they can not provide updates on where in the process the request is, only that it was submitted on XX/XX/XXXX. 
( 3 ) The timeline for seeing the account balance reinstated and a refund issued has increased exponentially with each call I have made requesting an update on the account. When the request was made on XXXX XXXX the timeline was 30 to 45 days. 3 weeks ago the timeline was moved to 60 to 75 days. As of XX/XX/XXXX the estimated timeline is now 4 to 6 months. 

The inability to provide confirmation of request for a refund combined with no updates on the process and a continually growing timeline is unethical. I have received confirmation of others who requested refunds AFTER I had put in my request and received theirs within 2 to 4 weeks. I am very concerned FedLoan is not following through with their financial obligations to keep consumers informed and appropriately process requests in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ability Recovery Services, LLC
State: NM

Complaint narrative:
ability recovery is trying to collect a debt i don't owe. i have responded to them by mail and they still reported to my credit as a collection related to a XXXX 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 explanation
Consumer complaint received 2022-10-11 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 Everything has to be XXXX XXXX accurate on my credit report The credit bureaus stated my account was properly investigated but, how is that possible if the open date is inaccurate, the date last active is inaccurate, the date opened is inaccurate. This is ground for removal. They also violated my rights under 15. U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

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. 
XXXX XXXX  acct. # XXXX and, XXXX XXXX XXXX XXXX XXXX has violated my rights. They continue to send me paperwork for phones i've never had and they were sent to an address im not familiar with at all. Also, the contract has a computer typed signature ... This is not my account at all. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

These negative, not-valid, erroneous accounts have caused me tons of stress and caused me to lose employment opportunities an some increased fees and money in my life... PLEASE HELP CFPB.

Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: IL

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. 
XXXX XXXX  acct. # XXXX and, XXXX XXXX XXXX XXXX XXXX has violated my rights. They continue to send me paperwork for phones i've never had and they were sent to an address im not familiar with at all. Also, the contract has a computer typed signature ... This is not my account at all.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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. 

These negative, not-valid, erroneous accounts have caused me tons of stress and caused me to lose employment opportunities an some increased fees and money in my life... PLEASE HELP CFPB. 
Thanks in advance

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 2022-10-11 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: DISCOVER BANK
State: MI

Complaint narrative:
On XX/XX/2022 I was alerted that someone made an inquiry on my credit. I contacted support and told them it was a fraud. The company than started an investigation on it. On XX/XX/2022 the company reached out and stated that someone open an account under my name and SSC. The company on my behave explain the situation, flag the account, and are in the process of closing it. After speaking to the representative I was told to submit a fraud case through FTC.GOV. Somewhere in between I was redirected to Cfpb page, and now I'm typing this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: Comerica
State: NY

Complaint narrative:
I lost my direct deposit to my bank card while my taxes and stimulus check was processing so it can come to me though direct deposit this year for my check in the month of XXXX being transferred over to my bank the check never made it to my new card before the check was ready to sent I been change my debit card to a new same bank but different debit card number. and told them to send it to my new care I updated with the third party I did my taxes with and file with and get my money included my 4th stimulus check but it was stolen and misent to the old card which was stolen and lost wit another person that had it I called direct express and told them to investigate they didnt but issued me a new cared that the stimulus check is going go to but it never came on to my new card I updated wit XXXX  XXXX thats the party I did my 2021 taxes wit the 4th stimulus of the amount of XXXX $ Stimulus check wit my taxes I need a refunded check sented do my current and living mailing address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I checked my credit report on XX/XX/2022 and saw that I had a collection in the amount of {$160.00} from Rent Recovery Solutions. I never received any written notice that this was trying to be collected, or any notice that I can dispute the charges. I have tried to reach out to Rent Recovery Solutions multiple times but have not gotten a response as I have left " XXXX '' multiple voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: TX

Complaint narrative:
This complaint is about my brother 's account. In XX/XX/XXXX, he was in the hospital with a XXXX for XXXX weeks when I discovered fraud on his account - someone had created fake checks & they were being paid by the bank. In XXXX, I went into the bank to report this & they finally agreed to freeze the account so no more checks would clear. Six checks had cleared totalling > {$6000.00}. A police report was filed. I provided them with a Durable Power of Attorney giving me authority on his behalf. After several trips to the bank finally in XX/XX/XXXX they took the information to submit to their main office. The fraudulent checks were numbered the same as valid checks that had cleared a couple of months before so the fraud was evident but the bank claimed that they didn't catch that because it was at the time of transition from BBVA to PNC. My brother passed away in XX/XX/XXXX, so today, XX/XX/XXXX, I went to the bank as executor of his estate to start the process of closing his account & to ask why the funds had not been redeposited to his account. Again another run around about why since the issue was filed XXXX days ago it had not been resolved. They want to start the process all over again. This is totally unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Card Acquisitions Group
State: FL

Complaint narrative:
Someone had to use my information to get a loan at this establishment called XXXX XXXX XXXX XXXX, and that was definitely not me. In the amount of {$44000.00} and dated XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report The credit bureaus stated my account was properly investigated but, how is that possible if the open date is inaccurate, the date last active is inaccurate, the date

opened is inaccurate. This is ground for removal. They also violated my rights under 15. U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 also states a consumer reporting agency can not furnish an 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 2022-10-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Essential Lending Inc
State: SC

Complaint narrative:
Wise Loans has been reporting themselves as essential lending on my credit report and fraudulently taking money from my bank account to which I had to dispute in XXXX of XXXX and again in XXXX of XXXX. They also have reported 3 different balances on my credit reports so none of the information is accurate. I have disputed this multiple times. 

Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i - Procedure in case of disputed accuracy states 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DigniFi
State: FL

Complaint narrative:
I sent a letter to Dignify XXXX XXXX because I only use the card in XXXX XXXX of XXXX XXXX in XXXX, FL for the amount of {$290.00} for change of air conditioning filter and change of transmission oil and the statement reflects a debt of {$2900.00}. I was already paid {$1000.00} for a charged of {$290.00} on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian account holder. 
XX/XX/XXXX received email that my email was changed to an email that is not mine. 
Have not been able to reach a representative after multiple attempts. 
Received a credit alert through XXXX that I opened an account with a credit union in another part of the state and I did not.

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 2022-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: M.A.R.S., Inc.
State: TX

Complaint narrative:
M.A.R.S INC. is attempting to collect an alleged owed debt that was alleged Charged off or paid in full on my XXXX report M.A.R.S. INC is a debt collector according to 15 USC 1692a ( 6 ) See ( Exhibit 1 ) Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you with formal notice to cease any further communications regarding this account immediately. According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through medium. *This includes but is not limited to telephone calls, emails, social media, or any Consumer Report Agency. 

Rights violated 15 USC 1692c ( a ) 15 USC 1692j ( a )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Phoned Trans Union to unfreeze my credit for a temporary time. I attempted to do it online then called because their system didnt recognize my name and password. I also attempted to set up a new account. No dice. So I called the first agent couldnt find my account to help and hung up on me. The second agent sent a temporary password and link but that didnt work either saying it didnt recognize me. The third agent finally connected me with a supervisor who manually removed my freeze. When I asked him how to fix my account so if, God forbid, I needed to do this in the future, he didnt give me any specific help on how to do this. He spoke in an unintelligible manner. This experience took 4 people on 3 calls and multiple attempts to use the online system. 

In contrast XXXX and XXXX took one login and about 3 minutes each.

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 2022-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXXXXXX credit card refused to verify and remove the account from my credit report which affected my credit. I have asked them in writing and verbally to remove the Closed account. The only account with XXXX XXXX verified and accurate is the account with a {$2000.00} credit limit.

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 2022-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
I have been sending money orders which are legal tender, to Ally Financial for the last 8 months, ( XX/XX/22 ). Today I received a phone call, stating they are going to Repo my automobile. They are not abiding by their commercial laws on the private side. Ally Financial must abide by the Full Faith and Credit, they are not honoring their agreement with me, XXXX and now they are threatening my livelihood, which is my first amendment right, as well as they are committing fraud on their part and against me, and the United States Treasury. Ally Financial has been provided by XXXX, my claim, on my signature card, and yet, they are completely in disregard to my rights as the creditor and that of the XXXX, XXXX XXXX XXXX XXXX. I would really appreciate your immediate attention, in preventing them from further harassment.

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