vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-16 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: MN

Complaint narrative:
I am a victim of identity theft, also have been affected by the XXXX XXXX XXXX on a federal and state level. The following accounts are accounts that I have been affected by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/US Bankruptcy Court XXXX XXXX XXXX XXXX XXXX Experian has claimed to have verified this public record/bankruptcy via XXXX I have contacted XXXX concerning this bankruptcy and it has been removed from my XXXX consumer report, so how is this bankruptcy being verified at this point? The following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are addresses that came from this identity theft and I have never been associated with these addresses.

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 2022-09-16 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: LEXISNEXIS
State: MN

Complaint narrative:
I am a victim of identity theft, also have been affected by the XXXX XXXX XXXX on a federal and state level. The following accounts are accounts that I have been affected by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a XXXX XXXX XXXX/US Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX has claimed to have verified this public record/bankruptcy via LexisNexis/XXXX. I have contacted LexisNexis/XXXX  concerning this bankruptcy and it has been removed from my LexisNexis/XXXX consumer report, so how is this bankruptcy being verified at this point? The following addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are addresses that came from this identity theft and I have never been associated with these addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I currently have inaccurate payments showing up on my credit report with no resolution from Navient. 

I was accepted into XXXX XXXX XXXX  as of XX/XX/XXXX. On XX/XX/XXXX, I made a payment of {$3000.00} to Navient. Between these dates, I contacted them regarding my original complaint about not receiving protection due to me being XXXX XXXX XXXX and also whether I would be a part of the settlement. I furthered wanted clarification on what criteria would be involved. I would get bounced from the private customer service # to the military and even hung up on without speaking with anyone. I still paid XXXX on XXXX. I started school in XXXX and would still receive request for payment even when letting them know I was in school. I would again be transferred to a number that would hang up because anytime I stated that I am in the military they attempt to transfer me to that number. 
I am under contract to purchase a home and was now denied due to this inaccurate reporting of late payments. Navient still has me as not current and over 120 days. 

When I called Navient in the hopes that they could help. I was instructed to search credit reporting and do what the paragraph tells me, or I could upload my proof to their website. When I told him that my proof is the actual website which shows my last payment and me owing {$0.00} due to my school deferment, he suggested I just upload a word document requesting the removal of the inaccuracies. He stated that they had 30 days to answer me, even though I explained this was an immediate issue. I also told him that my options for upload were documentation for military certification or removing a cosigner from my loan. He stated to upload it to the cosigner section and eventually it would go to the right department. He acknowledges that 30 days started once the correct department received the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: FL

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. After multiple disputes XXXX and Experian Credit bureaus are currently still reporting XXXX XXXX XXXX XXXX XXXX XXXXXXXX a time barred inaccurate account on my report such as multiple inaccurate names and addresses that are not mine, account status shows Last reported date is inaccurate, Date of Last Activity is inaccurate, Date of Last Payment is inaccurate missing data and a Collection/Charge-off reporting a balance. XXXX recently deleted this account based on the lack of ability to properly verify all reported information being accurate. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. XXXX and Experian are not practicing XXXX XXXX Compliance? These are clear FCRA violation and is grounds for immediate deletion. 

Under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. ''

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 2022-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Firstsource Business Process Services, LLC
State: MN

Complaint narrative:
Firstsource Advantage LLC called my workplace and contacted a coworker.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
A Collection account was added to my consumer credit report by Account Resolutions Services. The account was for a medical account that I did not owe. The account was from XXXX. At the time I had Medicaid and the account should have been taken care of by Medicaid. I disputed the account with ARS several times over the phone and they refuse to remove the account until they heard from Medicaid. I let them know they were reporting inaccurate information on my consumer reports and that they had no right to do so. While the account was on my consumer report for over two years. That negatively affected my character and my ability to receive financing. I wasn't able to rent an apartment because my credit score was too low.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
As I was browsing the Victoria 's Secret website, an offer for a pre-approved mastercard popped up. I accepted the offer. Today, the card came and it is a store card - not a mastercard. I have cancelled the card. This is a bait and switch to deceive people into accepting a store card that they do not want.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-09-16 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I received a call on XXXX XXXX, phone was XXXX, the woman said she was from Capital One asking about a credit card issued to me number ending in XXXX. I told her I never had a Capital One credit card and have never applied for one. She told be she was directing me to the Fraud Dept. That woman said that my social security number was used to open this account and that the person had maxed out a debt of {$45000.00}. She said the card was issued on XX/XX/2022 to someone in New Jersey. She wanted my address and birth date and said that I would be hearing from Capital One in 6 months. Well, a week later, I get two letters, one stating that that the investigation was over and I was responsible for the amount due. The other letter dated the same date, XXXX. XXXX XXXX, was an Identity Fraud Information Form. It wanted me to send a copy, front and back, of my social security card and my drivers license. It was to be sent to XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  This was regarding Account Number ending in XXXX, XXXX XXXX : XXXX. Only this time the charges were for {$38000.00}. I took these letters to XXXXXXXX XXXX where I have an account and they thought this was a scam. The numbers they gave me to call did not match up with numbers on the Capital One web site. Also, envelope address was not the same as letterhead address. Envelopes were XXXX XXXX XXXX XXXX XXXX XXXX, letterhead was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have also been getting Text 's almost every day about unpaid balance on my credit card They said I have missed XXXX payments on XXXX XXXX XXXX and I should get in touch with https : //capital.oneXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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:
XXXX accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX/XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX XXXX XXXX/XXXX  Account # XXXX, XXXX XXXX XXXX  Account # 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 non-monetary relief
Consumer complaint received 2022-09-16 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: NJ

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX/XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX BANK Account # XXXX XXXX XXXX/XXXX  Account # XXXX, XXXX XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX I sent a dispute letter to XXXX, Transunion, and XXXX regarding the collection account : XXXX XXXX ( Original creditor : XXXX XXXX XXXX  ) I them to verify this account. Please remove this account. They did not send me proof of verification of this account. On XX/XX/XXXX I sent a dispute letter to XXXX, Transunion, and XXXX regarding this account : XXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXX XXXX. I have doubts this is correct. Please remove this account. On XX/XX/XXXX I sent a dispute letter to XXXX, Transunion, and XXXX regarding account : XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX. Stating that this information is inaccurate, please remove it! On XX/XX/XXXX I sent a letter to the furnisher to verify that account belongs to me. This account is erroneous. This account is reporting inaccurately on all three credit bureaus. On XXXX this account is reporting the date opened as XX/XX/XXXX with a balance of {$2300.00}. on XXXX this account is reporting date opened as XX/XX/XXXX with a balance of {$2300.00}. On Transunion this account is reporting date open as XX/XX/XXXX. With a balance of {$2300.00}. I want verification that I owe that balance and a break down of the amounts owed. This account is reporting different dates opened and different balances owed. This account is erroneous, I would like it deleted from my credit reports please.

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 2022-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My credit report showing XXXX and XX/XX/2021 i was 30 days late with JPMCB - AUTO FINANCE XXXX XXXX XXXX XXXX, NY XXXX .I was victim of XXXX XXXX while I was involve and helping other people overseas. i was hospitalize for 2 months. I called XXXX about the payment, they put me hold for an hour, next few days later i called again no one answer my call and transfer me from here and there. finally i send the payment but i was late. After i saw a negative report on my credit bureau report, i talk to JPMCB credit service and they have no sense of people affected from XXXX XXXX and get late of payments. I would like to ask if you can investigate and help me to resolve the issue. i was in the hospital so i could not make the payment on time, finally i paid off the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: FL

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. After multiple disputes Equifax and XXXX Credit bureaus are currently still reporting XXXX XXXX XXXX XXXX XXXX XXXXXXXX a time barred inaccurate account on my report such as multiple inaccurate names and addresses that are not mine, account status shows Last reported date is inaccurate, Date of Last Activity is inaccurate, Date of Last Payment is inaccurate missing data and a Collection/Charge-off reporting a balance. XXXX recently deleted this account based on the lack of ability to properly verify all reported information being accurate. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. Equifax and XXXX are not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion.

Under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: ME

Complaint narrative:
I made my first request for a refund of payments made during covid on Monday, XX/XX/XXXX. The representative stated that because I had paid off the loans during covid, and they did not have a balance on XX/XX/2022, they would not be eligible for forgiveness even with a refund. I have come to learn that this is not true as their origination date is far earlier, XXXX. 

FedLoan Servicing needs to be looked into. People are requesting refunds for payments made during the covid lockdown, including myself, which we are entitled. These refunds are taking up to 150-200 days with no email or paper trail confirmation. I was not provided with a confirmation email, and anticipated dates, and was led to believe the loans may not apply for forgiveness. Many people are getting their refunds much faster with other loan providers, but Fedloan Services is completely unacceptable. We need to get these refunds processed before the end of the year and our money back into our accounts. Please if anyone is reading this I'm sure there are other complaints about FedLoan services. HELP US PLEASE

Company response to consumer: Closed with explanation