vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
Hello, I paid my balance off in full of {$370.00} it processed and posted on the XXXX of XXXX. Putting my credit balance at a {$0.00} and giving me an available credit to use of {$400.00}. Then they went ahead and gave me a credit line increase of {$200.00}. Now I have a credit limit of {$600.00}. A supervisor released {$200.00} dollars to me and told me the rest of my credit to use would be on the XXXX of XXXX. But as of this moment my balance is {$220.00}. With an available credit of NEGATIVE {$130.00}. And then tell me that I owe them XXXX. If I owed them {$130.00} then my credit Balance would be {$730.00}. Negatives on a credit card means the bank owes you money not the other way around. But when I call the automated system it say I have a balance of XXXX and a credit line to use of XXXX and some change. ( EVERYTHING IS SCREEN SHOTTED FOR EVIDENCE ). Then when I ask for this issue to be fix and get my account at the numbers it needs to be and release the credits on my account or get it in good standing and close it all together they leave the chat hang up the phone or disregard ANYTHING THAT IM SAYING as if Im not even saying it. NONE OF THEIR MATH ADDS UP. NOT A PIECE OF IT. Then they say its because of the pending charges..no.those pending charges we from my last balance they take it immediately out of my account as a authorization hold.so that money had been deducted already just not posted. They keep running me in circles and ultimately Im 100 % sure this is a scammers site. And they need to be investigated IMMEDIATELY being that their app is synced to third party sites for promotions..DO NOT PROMOTE THIS COMPANY. ASPIRE CREDIT CARD!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account info Account name XXXX XXXXXXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$5.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance {$5300.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$30000.00} Highest balance {$0.00} Terms 60 Months On record until XX/XX/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

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 2022-05-29 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: NJ

Complaint narrative:
I have had an account with XXXX since XX/XX/XXXX with a credit limit of {$300.00}. 
After reviewing my credit report recently as well as my credit card statements it's come to my attention that there is an error being reported by XXXX. 
My payment due date is the XXXX of every month. On XX/XX/XXXX a payment of {$40.00} was made ( attachment ) That payment was reversed on XX/XX/XXXX ( attachment ) XXXX XX/XX/XXXX a payment of {$80.00} was made. That payment was reversed for insufficient funds ( attachment ). On XX/XX/XXXX a payment of {$120.00} was made ( attachment ). That payment was cleared. Until I recently pulled my credit report, I didn't realize that a 30 days late payment was showing on my credit report for the month of May.But after carefully reviewing and calculating the days of payment due and payments posted, I see that XXXX have incorrectly posted a late payment for XX/XX/XXXX. 
My payments for XX/XX/XXXX and XX/XX/XXXX were reversed. My payment for XX/XX/XXXX was cleared and posted. ( attachment ) So if my due date is the XXXX of every month and then the XX/XX/XXXX payment will cover XXXX because that is NOT 30 days past XX/XX/XXXX. 
XXXX have mistakenly and incorrectly reported the month of XXXX as being late. I have repeatedly spoken to them about this issue and also they have never provided me a copy of my credit card statement for XX/XX/XXXX. I was told that one does NOT exist.This in itself is a clear violation of the Truth in Lending Act as well as 15 USC section 1666b ( 4 ) ... ..correction of billing errors. According to the FCRA you are required by federal law to investigate completely... ANY AND ALL accounts you post on a 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 2022-05-29 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account info Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$5.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance {$5300.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$30000.00} Highest balance {$0.00} Terms 60 Months On record until XX/XX/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

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 2022-05-29 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account info Account name XXXX XXXX  XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$5.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance {$5300.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$30000.00} Highest balance {$0.00} Terms 60 Months On record until XX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. Section 1 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 an account without my written instructions In accordance with the Fair Credit Reporting act 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 n accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. Section 1 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 an account without my written instructions In accordance with the Fair Credit Reporting act 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 n accordance with the Fair Credit Reporting act 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 non-monetary relief
Consumer complaint received 2022-05-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
On XX/XX/XXXX I received an email from Navient stating that two FFELP loans had to be recertified for my IDR by XX/XX/XXXX. However, when I logged into the Dept of Ed website I was notified that my IDR is not needing to be recertified until XX/XX/XXXX. Navient continues to provide misleading information to those who have loans being serviced by them. I've been on an IDR for the last 10 years for my loans, primarily through Navient until XXXX bought some of the loans in XXXX. 

As a result, I can not afford for there to be a lapse in my IDR as, per the agreement, as long as paid on time and in an IDR for 20 year the remaining debt is canceled. Or so that is my understanding. I feel as though Navient is intentionally causing confusion and rarely provides accurate answers. 

How much more time do I have in my IDR before the remainder of my loans are cancelled? Also, when do I have to recertify? Because if I go off the Dept. of Ed, who I should be following, then it's not for another year. If I go off what Navient is saying, then they will increase my payments and who knows what will happen to the time I've spent in the last 10 years making payments. 

Lastly, per Navient 's website the date that they have for " loan payoff '' based on my IDR is in XXXX. That is TWENTY more years from this year, on a loan that is suppose to have cancellation after 20 years, that has been paid for 10 years already. It doesn't take a rocket scientist to figure out there is once more misleading information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 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: IN

Complaint narrative:
To Whom It May Concern, 1 am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
Account # : XXXX Date Opened : ( XX/XX/XXXX ) is inaccurate Last Reported : ( XX/XX/XXXX ) is inaccurate Date Last Active : ( XX/XX/XXXX ) Is inaccurate Date of Last Payment : ( XX/XX/XXXX ) is inaccurate Account # : XXXX Date Open : ( XX/XX/XXXX ) is inaccurate High Credit : ( {$1800.00} ) is inaccurate Last Reported : ( XX/XX/XXXX ) is inaccurate Date Last Active : ( XX/XX/XXXX ) is inaccurate Date of Last Payment : ( XX/XX/XXXX ) is inaccurate Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 
Please forward me an updated credit report after you have completed your Investigation and corrections.

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 2022-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
I had credit wise from XXXX XXXXXXXX, I do have access to my credit report and I noticed that I do have an unusual activity in a Santander USA for a car loan that I am not did it at all, the date of the issue is XX/XX/2022. I am totally clear that I do not process any of it. So that makes me think that some one that could it be a family member co habitant that have access to my personal information used my social security to add and miss used my credit that its already messed up. The only person that I think may use it its my father in law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: OH

Complaint narrative:
Cedars Business services sent a debt collection letter for a debt that is not mine to my house -- received on XXXX. 

I sent a certified letter in response on XX/XX/XXXX, delivered XX/XX/XXXX -- delivery that is verifiable. 

In this letter, I requested by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts in Ohio. 

Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. 

I did not receive any mail from Cedars Business Services in response. My letter was evidently ignored, and I considered the matter closed. Until today, XXXX. In this new letter it was again demanded of me to make payment on a debt that isn't mine. Furthermore, my previous letter ( contents mentioned above ) was ignored and I was not provided with the information I requested. 

I do not appreciate such tactics to collect a debt that isn't mine. Kindly remove me from your system and do not contact me again regarding this matter in the future. Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 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: OH

Complaint narrative:
I requested in writing that my personal information on my credit reports be updated as it has erroneous names, phone numbers, addresses & employer. 

I also contacted the credit bureaus and the companies that I did NOT authorize to pull a hard credit report and requested that they remove them from my report. They told me that they would remove them and they have NOT. I would like an investigation as you will not find any authorization by me with my wet signature on it for these following companies to pull hard reports. If they are not able to provide that, I am requesting an investigation. My legal name is XXXX XXXX XXXX and I would like that to be reflected on my credit files please. 

The following are erroneous names that I would like removed from my credit files : These have never been my names. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX The following are erroneous addresses.and I would like them removed from my credit file These have never been my addresses. : 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 Unauthorized hard inquires : XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 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 I never authorized the the above companies to pull hard credit inquires on my credit files . I would like these investigated and you will see that there is not any authorization by myself with a wet signature.

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 2022-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I first met with a Chase banking agent and explained that I had experienced a scam. I gave him a spreadsheet of the list of money mules whom I was instructed to send funding to in order to recover my initial monetary losses. 

The banking agent was sympathetic to my story and kept the spreadsheet of money mules, most of whom were customers of the same bank. But after checking with his XXXX I was told to contact the Fraud division of the Bank by calling a number that was given to me ( XXXX ) XXXX. 

I spoke to the first agent, described what had happened to me ( like I did with the bank agent ) and was told to speak to another department. After I spoke to that agent and went through the same story, I was told to speak to yet another agent. 

The third and final agent said that they could only help if my account had been compromised by an outsider. She could not assist me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
I have a unauthorized unverified Account listed in my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 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:
In accordance with the Fair Credit Reporting act 1. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX, XXXX. XXXX XXXX XXXX Account # 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
Consumer complaint received 2022-05-29 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, the following have violated my rights ; 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 15 U.S.C 1681 section 602 A states that I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that 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 2022-05-29 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, the following have violated my rights ; 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, XXXXXXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A states that I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that 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 2022-05-29 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 1. XXXX XXXX XXXX  Account # XXXX 2. XXXX XXXX Account # XXXX, 3. XXXX XXXX XXXX Account # 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 non-monetary relief