vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have uploaded to XXXX/upload multiple times my updated social security card, active drivers license, and FTC REPORT for identity theft. I have written a letter telling XXXX to get rid of every alias of XXXX but to only keep XXXX XXXX XXXX because that is my legal name. My social and my license both show it as such. My license shows my address, which is on my consumer report - ( ONE of at least XXXX addresses ) which i instructed XXXX to keep only the ADDRESS THAT IS ON MY LEGAL DOCUMENT and delete the rest. Well, when i go to dispute the fraudulent addresses, i cant dispute it because a furnisher is reporting on that address so it must stay. I let XXXX know that those addresses, those accounts are fraudulent. Theyre part of the identity theft because my abode is the address on the license. I need my personal information updated fairly and without blemish so i can have those fraudulent accounts off my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
I filed two complaints against AMEX for failure to comply with basic standards in customer service and the multiple promises AMEX mangers made to address miscalculations from a fraud claim in they own stamens ( when I for years was on an auto payment for the entire balance of my account ) and AMEX essentially ripped me off. 
They have been rude, dismissive, hung up on me, insulted me, promised me to 'recalculate the problem ;, and then never followed through. 

Now that they know Ive filled with the CFPB, my XXXX AMEX points have been locked away... 

This is beyond unprofessional. Please help. These individuals are ridiculous, can't seem to manage their own complaints internally ( I've been called 4 times at XXXX XXXX and repeatedly forced to verify my time zone ... yet then the members still don't SEE I LIVE IN HAWAII,,, meaning they didn't update my file to reflect the home and billing address time zone, just wasted my time ). 

This week, I waited on hold for an hour for a manager. I was promised XXXX, who left me a voicemail the day before, would call back. He never called back. The next representative XXXX reminded me what a useless consumer I am in derogatory comments and waiting on hold an additional 20 minutes... 

I want some justice here. I want my points worth over {$1000.00}, much less an apology and their correction to months of toxic neglect, threatening emails and text messages, when AMEX SCREWED UP THE REFUND!!! 

On XX/XX/XXXX, XXXX, an AMEX manager admitted over a long conversation the statement in question was wrong and promised to correct it. THAT NEVER HAPPENDED, instead UI 've been threatened and harassed more. 

So, complaint # XXXX, Please, CFPB, help. Of just join in the nonsense. I have no faith in any of you now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MI

Complaint narrative:
They added collection to my credit reports without my knowledge! I checked & can't verify their registration in Michigan BOTH are FDCPA violations! 

Jefferson Capital put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Plus there is NO verification from the MI Secretary of State that they are registered in Louisiana which is also against the FDCPA! 

I request that Jefferson Capitol verify the following information. 
1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. 

If Jefferson Capital Systems is unable to provide the above identifying account information, this account must be deleted from all CRAs. 

Jefferson Capital Systems also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
walked into dealership they told me they would run my credit once, i checked my report they ran it several times. 


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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: WA

Complaint narrative:
Well i was suppose to recieve a package from XXXX i never recieved such package i at that point file a dispute with my bank i contacted XXXX they told me thst my bank was responsible to refund my money but chime refuse to refund my money i have provided screen snoots ofmy conversation with XXXX and they still fail to acknowledge there is an issue. I have given the multiple opportunities. The amount was XXXX on the XXXX of XX/XX/20XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
dear cfpb, i just got a response from Experian stating that Account from XXXX is accurate ... .i will attach my credit report and you tell me if its accurate or not?!? this is really annoying how they cant recognize the issue .... attached is their response and my credit report which i highlighted the errors between the 2 bureaus.. I DONT THINK THEY UNDERSTAND WHAT ACCURATE MEANS!! 
well you guys are violating my rights you need to stop or i will sue ... what kind of company are you guys running here!! a XXXX XXXX XXXX can see the inaccuracies! 

XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 


SIMPLE TO UNDERSTAND I DONT WHY YOU GUYS CAN'T!!

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 2022-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: CA

Complaint narrative:
To whom it may concern, I hope you are doing well. I am here to complain regarding the the time its taking to get a refund on my student loan payments ( ~ {$4000.00} ) from EdFinancial. Although I understand plenty of people are requesting refunds, I called on XX/XX/XXXX to request a refund. I followed up the following week of XX/XX/XXXX if the refund process has been started. I asked for an ETA from them but I was not given one.In fact, I filed a complaint through the CFPB on XX/XX/XXXX to get a response from the lending company. I plan to call on XX/XX/XXXX to check on the process. A refund shouldn't take longer than a month since I am aware of people who are getting their refunds faster than I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
walked into dealership they told me they would run my credit once, i checked my report they ran it several times. 


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

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 2022-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
walked into dealership they told me they would run my credit once, i checked my report they ran it several times. 


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

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 2022-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
dear cfpb, i just got a response from XXXX stating that Account from XXXX is accurate ... .i will attach my credit report and you tell me if its accurate or not?!? this is really annoying how they cant recognize the issue .... attached is their response and my credit report which i highlighted the errors between the 2 bureaus.. I DONT THINK THEY UNDERSTAND WHAT ACCURATE MEANS!! 
well you guys are violating my rights you need to stop or i will sue ... what kind of company are you guys running here!! a XXXXXXXX XXXX old can see the inaccuracies! 

XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 


SIMPLE TO UNDERSTAND I DONT WHY YOU GUYS CAN'T!!

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 2022-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
My CashApp account was logged into from an unknown device. There is an unauthorized charge by the hacker for {$22.00}. I've never sent money to this person. I was hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
dear cfpb, i just got a response from Experian stating that Account from XXXX is accurate and Verified...... i will attach my credit report and you tell me if its accurate or not?!? this is really annoying how they cant recognize the issue .... attached is their response and my credit report which i highlighted the errors between the 2 bureaus.. I DONT THINK THEY UNDERSTAND WHAT ACCURATE MEANS!! 
well you guys are violating my rights you need to stop or i will sue ... what kind of company are you guys running here!! a XXXX XXXXXXXX XXXX can see the inaccuracies! 

XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 


SIMPLE TO UNDERSTAND I DONT WHY YOU GUYS CAN'T!!

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 2022-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: AR

Complaint narrative:
The loan servicing company, XXXX, sent documents saying that the amount due as of XX/XX/XXXX, I owed over {$180000.00} dollars and the loan was being transferred to another servicing company, Rushmore Loan Servicing. My initial purchase was for {$150000.00} in XX/XX/XXXX and I paid the mortgage timely until I needed help in XXXX, when I was unemployed and went to HUD for help. My amount due should not have went UP {$30000.00}, when I had been paying on the loan for nearly 6 years before my unemployment event. I believe I'm being taken advantage of and it has been laundered through XXXX and now Rushmore. I'm asking for an audit of how the amount due jumped {$30000.00} from my original loan amount, in spite of the fact that I was paying over {$1500.00} per month on a fixed rate mortgage for the first nearly 6 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
Navient sent false information on XX/XX/XXXX, regarding a notice to re-certify ( XXXX  ) plan. In which they stated that a payment is due next month by XX/XX/XXXX. However, the email was a reminder notice to re-certify the ( XXXX ) plan by the end of the month. The federal student loan forgiveness program under Biden 's plan has made it clear that a payment pause has been suspended ( from XX/XX/XXXX, through XXXX XXXX, XXXX ). The federal payment pause is officially scheduled to end and will resume on XX/XX/XXXX. 

XX/XX/XXXX student loan servicers should begin reaching out to borrowers with remaining loan balances to remind them that their payments will be restarting in XXXX. 

Navient practices are predatory and are not compliant under Biden administrations program. I'm asking for Navient to cease all predatory practices and comply with the deadlines. Because of this violation I'm asking for an extension on the ( XXXX ) plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
dear cfpb, i just got a response from XXXX stating that Account from XXXX is accurate and Verified...... i will attach my credit report and you tell me if its accurate or not?!? this is really annoying how they cant recognize the issue .... attached is their response and my credit report which i highlighted the errors between the 2 bureaus.. I DONT THINK THEY UNDERSTAND WHAT ACCURATE MEANS!!

well you guys are violating my rights you need to stop or i will sue ... what kind of company are you guys running here!! a XXXX XXXX XXXX can see the inaccuracies!

1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 


SIMPLE TO UNDERSTAND I DONT WHY YOU GUYS CAN'T!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Score has dropped from XXXX to XXXX points with no explanation whatsoever. Experian regularly shows my score some XXXX points lower than other bureaus. They are showing XXXX and XXXX  XXXX XXXX XXXX XXXX as charge offs rather than resolved by bankruptcy. This is illegal. I am accusing them of fraudulently handling my account. They have done this before. I need a full explanation of why my score dropped from XXXX to XXXX and they need to remove the three charge-off items. This needs to happen as soon as possible. As well, I do not want my bank account linked to my credit report and do not want to participate in the XXXX  program.

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