vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
I owe a XXXX  debt from 3 years back that went to collections. I received a phone call from the collection agency where is I asked what would be the lowest amount they would settle for. The first representative I spoke to said she did not know and when I offered an amount she told me that was too low. I again asked her what was the amount they would take to which she again said she didnt know. Which I thought was funny. How you didnt know the lowest amount that I could pay but you knew what to not accept. She then told me I needed to pay the full amount which was the original debt plus the interest their company was charging me ( I didnt know you could charge interest on medical debt ) I hung up and called later to speak to a supervisor who told me that they were just partners with the original debt owners and that they did not own the debt. Told me the original people wanted the full amount plus the amount of interest that occurred from the debt collectors end. I called the original medical office who then told me that they do not own the debt anymore the debt collects do and that I would have to work out an amount with them ( which showed me the debt collectors lied to me ) they refuse to negotiate a 3 year old debt saying I had to pay the full amount, plus the interest. Which again Why are you charging interest on a medical bill and I do not recall interest being mentioned in the contact I signed with the medical center to be honest I dont even know why the bill was high I only went there once and they didnt do anything to me but put me on vibrating bed. So Due to them lying to me about owning the debt and not trying to negotiate with me I write this complaint. For kings credit services in XXXX ca. the original amount was XXXX they want me to pay XXXX with the interest included.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
Please TAKE NOTICE that several correspondences has been sent to this company since XXXX. This account has been paid in full. Yet nothing has reflected that the account has been paid, in addition to I continue to receive bills that does not adequately reflect that this account has been paid. Further interest fees has been charged and it is reported on my credit that I have not paid, when I have in fact paid this off in full. Please be advised that if this matter is not settled within the next 30 days that legal action may be pursued.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have attached and FTC report with an account and inquiries I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/XXXX a fraudulent charge of {$3600.00} was made on my citi bank credit card. I called citi bank the same day ( XX/XX/XXXX ) to report the fraudulent charge. On XX/XX/XXXX the card with the fraudulent charge was closed and I was mailed a new card. The following week the charge was posted to my account. After disputing the charge Citi bank claimed I am responsible for this charge even though the card has a zero fraud liability clause. A police report was filed with the XXXX XXXX, Ohio police department regarding the fraudulent charge.

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 2022-06-02 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: FL

Complaint narrative:
I have attached and FTC report with 2 accounts and inquiries I did not authorize

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 2022-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
I checked my credit report and notice this collection account on my report that is fraudulent, haven't been properly verified, reporting frivolous and inaccurate information. 

The collection agency purchased a fraudulent account that was removed off my credit report due to being a victim of identity theft back in 2015 I sent the creditor and the credit bureaus proof of this information and the account was removed however this is over 6 years later and this new company is now reporting the inaccurate information. According to the FCRA LAWS ensure that bureaus report only 100 % accurate credit information. 

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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:
Equifax has reported the below accounts to my consumer report. This is a violation of my rights pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). I never gave Equifax any written instructions to do so. Equifax has also failed to exercise its grave responsibility to respect my right to privacy for its profit. The reporting of this information has ruined my representation as a consumer in commerce. It has made it difficult to purchase a home and receive above-par medical treatment as a living human being. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  has violated my rights. 
15 U.S.C 1681 section 602 ( a ) ( 4 ) : States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached and FTC report with 2 account and inquiries I did not authorize

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 2022-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
On XX/XX/2022, FedStudentLoan Servicing, PHEAA. attached a letter at my FedLoan Account regarding the update of payment counts toward my Public Service Loan Forgiveness Program. FedStudentLoan Servicing, PHEAA, never notified me in an email as they publicly promised to notify students, that my PSLF/TESLF FedLoan Account has been UPDATED and FedStudentLoan Servicing, PHEAA, counted my PSLF Eligible Payments as XXXX, with PSLF Qualifying Payments ( Total ) of XXXX. FedStudentLoan Servicing, PHEAA, stated that PSLF Qualifying Payments ( Remaining ) is 1/ONE, and Estimated Eligibility Date for PSLF is XX/XX/2022 ( XX/XX/2022 ). Should I not open my FedLoan Account, PHEAA on XX/XX/2022, I would NEVER learn about my PSLF ( Public Service Loan Forgiveness count and updated due date for my loan forgiveness ). More importantly, FedStudentLoan Servicing, PHEAA, has left out purposely ONE/1 month less payment-count toward the eligible 120 payments for my PSLF eligibility for forgiveness. This is WRONG and financially hurtful ; it directly violates my eligibility for PSLF, even though on XX/XX/2022, I uploaded my PSLF Updated Application ( XXXX/XXXX/XXXX  for my complete student loans forgiveness, signed by my eligible employer XXXX XXXX XXXX XXXX [ see the document at my FedLoan Servicing Account ]. My PSLF application was signed by my employer on XX/XX/2022, which meant that FedStudentLoan Servicing, PHEAA, PURPOSELY omitted to count ONE/1 month payment more toward the eligible 120 payments for my PSLF eligibility for forgiveness. I allege that FedStudentLoan Servicing, PHEAA, left out this One/1 payment count voluntarily, so FedStudentLoan Servicing , PHEAA, will hold longer my Loans as 'hostages ', and WILL NOT PROCESS MY PSLF FORGIVENESS. In their letter from XX/XX/2022, FedStudentLoan Servicing, PHEAA, admitted that my eligibility date is XX/XX/2022. Then, WHY DIDN'T FEDLOAN SERVICING FORGIVE MY LOANS? FedStudentLoan Servicing, PHEAA, has received all my employers 's PSLF verified and signed forms up to XX/XX/2022, which includes XX/XX/2022, or the ONE month needed to be counted toward my PSLF for my student loans to be forgiven. Thus, FedStudentLoan Servicing, PHEAA, IGNORED ALL OF THE ABOVE, DID NOT ANSWER MY EMAILS I SENT. FedStudentLoan Servicing, PHEAA does not start the process of my public loans forgiveness, which has to be regarded, as I have completed ALL REQUIREMENTS FOR PSLF/TEPSLF Program/s.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: VT

Complaint narrative:
i applied to the vermont homeowners assistance program in XXXX XXXX XXXX.i was approved for a grant to reinstate my mortgage on XXXXXXXX sent an I-record request on that date and my mortgage company which is fay servicing have not responded to the I-record request. this is hold up the funds and they want to foreclose on me. if they had responded i could have resumed my payments, now i am way behind instead of being only 3 or 4 months

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hello I am having trouble with my credit report being updated in a timely manor. My credit cards are all at XXXX balance and my fico XXXX score has updated some but my fico XXXX score hasn't update at all. I actually think this is very unfair because if I use one of my cards it is updated so quickly. I have sent in written documents to all credit bureaus for late payments and reporting and haven't receive any response which is very unprofessional. I am hoping that once this letter is written someone will take action and help me. It seems like the credit companies and credit card companies etc can do what they want and when they make mistakes they are not held accountable to fix any wrong that has been done.

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 2022-06-02 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: FL

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 XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
Department of EducationXXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 
XXXX  XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
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 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.

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 2022-06-02 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: FL

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 XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
Department of Education/XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXXy Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 
FXXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: LA

Complaint narrative:
sent a dispute letter out on XX/XX/2022, and XX/XX/2022 to the XXXX bureaus transunion, XXXX, and XXXX and still no response after 60 days. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. 


1. Validate Verify XXXX XXXX Account Number : Please remove it from my credit report. 

2. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

3. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : 5. Validate Account XXXX XXXX XXXX XXXX XXXXXXXX Account Number : Please remove it from my credit report. 

6.Validate Account XXXX Account Number : Please remove it from my credit report. 

7. Validate Account XXXX Account Number : Please remove it from my credit report. 

8. Validate Account XXXX Account Number : Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02 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: CA

Complaint narrative:
I have tried several times to have incorrect and incomplete information deleted but it just keep coming back when its clearly inaccurate. Amounts, payment history and dates have been wrong but every time they just keep coming back even though dates dont match history is not reported or reported incorrectly. Please delete.

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 2022-06-02 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: MARINER FINANCE, LLC
State: GA

Complaint narrative:
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 account without my written instruction. The company reported late
payments to my credit profile without taking proper action to ensure reasonable procedures were in place for me to receive statements at least 21 days in advance. Therefore, they are in direct violation of 15 U.S Code 1666b. 15 U.S Code 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) o
f this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

My reputation, credit, and mental health have been negatively affected due to this unlawful violation from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX has violated my rights. 

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 a consumer reporting agency can not furnish a account without written instruction.

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 2022-06-02 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: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX has violated my rights. 

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 a consumer reporting agency can not furnish a account without written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: FL

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 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 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.

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 2022-06-02 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I had my identity stolen. They have ruined my life. These fraudulent accounts are causing me a lot of emotional distress. Please investigate these accounts and remove them from my credit profile.

Company response to consumer: Closed with explanation