vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-12 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: SC

Complaint narrative:
My identity has been stolen. This information has nothing to do with any transactions I've made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2022-02-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XXXX I used my Capital One credit card to pay for a travel trip through XXXX XXXX XXXX XXXX XXXX. I paid for the trip in full on XX/XX/XXXX and it was {$3000.00}. The company filed bankruptcy shortly thereafter and I was notified on XX/XX/XXXX that my trip would not be rescheduled. I took steps to get reimbursed through Capital One but they have told me now, three times, that the time limit has expired. I have already sent in a letter with all the requested documents requesting my case be reopened and I be reimbursed, but they are still telling me that I am out of time and they will not help me. They have reimbursed me twice, but then charged my account again for the amount of the trip, saying that I was reimbursed in error. This is the second complaint I have filed. The original complaint was apparently closed, although I was never notified of any updates. I did not know that I had to check the website for updates, and I was never notified via email or telephone. I have also contacted the company ( XXXX XXXX ) who is now back in business, but they only thing they have offered me is an account credit for another trip XXXX filing another complaint with the Consumer Finance Bureau. I have a baby due in XXXX and can not afford to STILL be missing this money from my credit card. Also, because Capital One charged my account again for this trip, I have beeb paying extremely unnecessary interest on the credit card. I will also not be able to accept the companies offer on a credit for another trip, as I will have a newborn baby soon. Can someone please help me!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-12 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: SC

Complaint narrative:
My identity has been stolen. This information has nothing to do with any transactions I've made.

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 2022-02-12 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 — Was not notified of investigation status or results
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Per the Fdcpa law section 809 validation of debt, I have no knowledge of the is debt or account, I contacted the creditor and CFPB for the Creditor to provide proof. Under the law, the creditor has 30 days to validate or it has to be removed. I have heard nothing in 60 days of proof. I'm asking this account be removed from my credit report or I will be forced to contact the attorney general office of this illegal account and pursue this legally.

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 2022-02-12 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 — Was not notified of investigation status or results
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Per the Fdcpa law section 809 validation of debt, I have no knowledge of the is debt or account, I contacted the creditor and CFPB for the Creditor to provide proof. Under the law, the creditor has 30 days to validate or it has to be removed. I have heard nothing in 60 days of proof. I'm asking this account be removed from my credit report or I will be forced to contact the attorney general office of this illegal account and pursue this legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : NATIONAL CREDIT ADJUST XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  ) XXXX XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX  XXXX ) XXXX XXXX  XXXX ( Original Creditor : 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

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 2022-02-12 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: HI

Complaint narrative:
I dont live in XXXX XXXX XXXX XXXX charge me almost {$200.00} in XXXX instance and again another amount of XXXX something and I dont live in XXXX Ive been living on XXXX since 2015 someone is using my information for services on XXXX I paid my services here on XXXX using the XXXX XXXX and I checked with them on XXXX and they have nothing showing that I owe money. So I found out that its XXXX. Please help clear my credit of fraud.

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 2022-02-12 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: OK

Complaint narrative:
XXXX ( XXXX XXXX XXXX XXXX ) is reporting on my XXXX  and transunion incorrectly. I have tried working with XXXX and Transunion over and over and have also sent several letters. The payments status is incorrect and the remarks are not correct. This is not a collection or charge off. I have never had a loan with this company please get this resolved asap. I want the payment status and remarks corrected. This should not be reporting as derogatory account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: NC

Complaint narrative:
XX/XX/XXXX I received an invoice for payment for XXXX XXXX apartment for {$3000.00}. After receiving I contacted the collector and sent off form explaining im not responsible and that this is the first time i was hearing about the debt. She informed me it was marked the same day i moved out the apartment. The complex went straight to creditors. I also informed the young lady that i want an investigation in the matter and willing to go to court. I have text messages with the complex through moving process. Which i started being harassed because I asked to get out my lease due to a roach issue and mildew smell that I believed was making me sick. Also my property was being damaged and tampered with. Feeling of stress and overwhelmed living there. I had to get cameras. Also went 1.5 without consistent hot water and air conditioning. 
I had two follow up phone calls with a young lady from agency that called. Explaining i sent in letter and also asked process. I had until XXXX to send back response and i sent it to them. Also informed them I didnt receive any communication from the complex. Also i was asked to moved so i should not be charged any additional fees. 
Once again i reached out to rent recovery solutions in Georgia asking about status because i am now seeing this on my credit report. On XX/XX/XXXX I contacted the agency again bounced around and sent to an XXXX and a XXXX XXXX. As of today I have still not heard from them. I was told that I didnt send in the correspondence and until then then cant do anything. I asked how could I receive another one. I was told I couldnt because its past the date. I have been in communication with the agency since receiving the first and only attempt. It should be illegal for a complex to lie, harass and collect fees when being asked to move.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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: FL

Complaint narrative:
On XX/XX/XXXX, XXXX ARS ACCOUNT RESOLUTI added a derogatory mark on my XXXX credit report per XXXX XXXX. Upon further research, Debtors creditor did NOT verify this collection. Also, there was NO written form of communication, contract or SIGNATURE for this accused debt at all. A billed without a signature does NOT validate the debt. According to the FCRA. ARS ACCOUNT RESOLUTION has violated my rights as a consumer and per the HIPAA/PHI law and I am requesting legal action to remove this account immediately from my report. I have also sent certified letters to this company and they have failed to validate a debt that is not mine.

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 2022-02-12 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: VA

Complaint narrative:
I applied for the Public Service Loan Forgiveness Program Temporary Waiver in XX/XX/XXXX. My employment was verified and my loans were transferred to FedLoanServicing. My Direct Consolidation loan was issued in XX/XX/XXXX, and was transferred at least once prior to this last transfer. When FedLoanServicing calculated the qualifying payment for the program they excluded 19 payments from consideration, neither marking them as qualified or not, leaving me 11 qualifying payments short of the 120 required payments on the Subsidized portion of the loan. They also deemed over 100 payments as not qualifying on the unsubsidized portion of the loan, for what appears to be a deviation from the temporary waiver rules as all payments should be qualifying ( the deemed 30 out of 129 payments as qualifying ). It appears there were multiple errors made in assessing the number of qualifying payments I made between XXXX and today, possibly because of the multiple times my loans have been transferred. I request someone review the records and help fix my file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-12 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: FC HoldCo LLC
State: CA

Complaint narrative:
I purchased a car in XXXX. Contract was extended XXXX and a payment was put at the end of the contract. i received a letter XX/XX/XXXX that contract time was up and balance on the car needed to be paid XX/XX/XXXX. I made double payments XX/XX/XXXX, XXXX and XX/XX/XXXX. My credit report shows effective XX/XX/XXXX 30 days late XX/XX/XXXX 60 days, XX/XX/XXXX, 90 days and XX/XX/XXXX 120 days late. I have completed payment of the car. We are in the middle of a pandemic. If I was making payments how were the payments late. These late charges pop up at the end of the contract. Also they have 8 missing payments. The car would have been repossessed. There were no missing payments. One of the late payments came when I ask them to do a payoff, it took weeks I called back and was told it was denied reason being because the agent did not add that I was willing to pay half of the balance, I was asked if I wanted to do it again I said no and made a payment at the at. All payments paid.

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 2022-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I was contacted to purchase goods that I was selling on XXXX. XXXX contacted me via email that he was interested & then sent a text from XXXX. He then contacted me from the number listed above telling me that he was sending a check for {$3000.00} to purchase the goods I was selling & pay to ship. I informed him when the check arrived & he asked me to deposit & wire the remainder of the money to the movers. I deposited into my Savings account & transferred what I charged for the goods, {$250.00}, & the rest needed to send the movers into my Checking account. I sent 3 Zelle transactions totaling {$2500.00}. The first transaction on XX/XX/2022 to XXXX XXXX for {$1000.00} & a 2nd transaction to XXXX XXXX of {$1000.00} on XX/XX/2022. After the final wire on XX/XX/2022 to an XXXX XXXX, I checked my Savings account & it was negative for {$3000.00}. I contacted XXXX & asked him about his bank, & he said there must be some mistake. I followed up with him after I left work that evening & his phone was disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
Received a notice from company they they removed funds from a savings account and put it towards an account that is currently being disputed without my authorization. this is a clear violation of my rights as a consumer. This a clear stall tactic used to re age an account to extend the time allotted to remain on an already disputed consumer report.this comes off as fraud seeing as I did not authorize such activity on my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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 — Was not notified of investigation status or results
Company: DISCOVER BANK
State: NY

Complaint narrative:
Per the Fdcpa law section 809 validation of debt, I have no knowledge of the is debt or account, I contacted the creditor and CFPB for the Creditor to provide proof. Under the law, the creditor has 30 days to validate or it has to be removed. I have heard nothing in 60 days of proof. I'm asking this account be removed from my credit report or I will be forced to contact the attorney general office of this illegal account and pursue this legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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:
FRAUDLENT INQUIRES WHERE MADE ON MY CREDIT REPORT! 
I HAVE PUT A FRAUD ALERT ON MY CREDIT REPORT! A POLICE REPORT WAS FILED DUE TO FRAUD TRYING TO BE COMMITTED. 


INQUIRES XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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: I.C. System, Inc.
State: CA

Complaint narrative:
I was going through my credit report and I saw a debt collection of {$260.00} on my report. The company that opened this collection is I C System and theyre a collection agency for XXXX XXXX XXXX XXXX XXXX This is fraud because I have never opened an account with XXXX before. The account was opened XX/XX/2018 and it states that the account is currently open. I dont recognize this account so I want it closed and removed from my credit report and reported as fraud. I tried to dispute this with I C System and they said to report the fraud and open a claim with consumer finance. Once this claim is opened they said theyd look into removing the collection. I am providing a picture of collection information 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 explanation
Consumer complaint received 2022-02-12 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: ProCollect, Inc.
State: IL

Complaint narrative:
A company called Pro Collect added a bogus collection record to my history which reduced my XXXX from over XXXX to 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 explanation
Consumer complaint received 2022-02-12 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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