vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NM

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.

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 non-monetary relief
Consumer complaint received 2024-02-13 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: MOHELA
State: CA

Complaint narrative:
I submitted an application to recertify my income driven repayment plan and switch to the SAVE plan on XX/XX/24. Weeks later, my application was inexplicably cancelled ( not denied just cancelled ). I received no notice for this and was not told why it was cancelled. I was told I needed to submit a new application and that the timeline for processing would be reset. I submitted a new application XX/XX/24. I was advised by studentaid.gov that it was illegal for them to have cancelled my application with no notice or explanation. I am enrolled in public service loan forgiveness and they have placed my loans into forbearance and not taken me out of forbearance despite my request to do so. I feel that they are intentionally delaying calculating my payments because I am close to qualifying for forgiveness with PSLF. 

I am requesting immediate review of my SAVE plan application and immediate removal of my account from forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX {$800.00} XXXX XXXX XXXX XX/XX/XXXX {$160.00} XXXX XX/XX/XXXX Capital XXXX XX/XX/XXXX Credit XXXX XX/XX/XXXX 2024

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 2024-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: MD

Complaint narrative:
I sent a letter to XXXX REMOVE and DELETE inaccurate information from my credit report. Please delete Collections Account XXXX, Account Name : Aargon Collection Agency, Date Reported : XX/XX/2024. I do not have a contract with Aargon Collection Agency and have requested that they provide any contracts with my signature that will make me liable and they have refused to furnish XXXX. Therefore this fraudulent account must be deleted as Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information no later than 4 business days which is a violation of my rights.

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 2024-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Hello, I hereby inform you that the following accounts have been paid years ago and are still on my credit report, violating my rights as a consumer. I strongly ask you to review these reports. 

XXXX XXXX Account # XXXX Balance Owed : {$0.00} Account Rating : Paid XXXX  Account # XXXX Balance Owed : {$0.00} Account Rating : Paid XXXX XXXX Account # XXXX Balance Owed {$0.00} Account Rating : Paid XXXX Account # XXXX Balance Owed {$0.00} Account Rating : 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 non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 U.S.C. 1681 Section 602 : states I have the right to privacy. 15 U.S.C. 1681 Section 604a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1666b a creditor may not treat a payment on a credit card account under and oven end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I'm receiving Threating phone calls and emails from the company below and XXXX, XXXX, XXXX are transferring my information without my consent. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LVNV Funding LLC C/O Resurgent Capital Services 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 response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
My husband died in XXXX, and took out egregious loans with many student loan companies. XXXX XXXX transferred some of our loans to debt XXXX XXXX, with whom I fought tooth and nail with my attorney, but with whom we eventually settled in XXXX and paid them XXXX amounts for my twin sons. They destroyed our credit. 

In XX/XX/XXXX, I was informed that I never signed XXXX of the settlement letters, and was asked to do so. I could not open the link, despite repeated attempts. I called, I emailed, I begged Firstmark Services specifically XXXX XXXX to help me open the link so I could sign it. I tried and tried over many days, receiving no response. I have the email thread. 

Today I received a bill for XXXX because I was told I never signed the settlement letter, so I owe this interest. I was not allowed to speak to a XXXX. I am supposedly getting a call in the next couple of days, but the person on the phone does not hold much hope in getting the amount withdrawn. WHY???? Because I could not open the link. 

This is illegal, and I was hoping you could step in on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XX/XX/year>, My personal information was compromised, and someone opened a account with Pay Pal Master card Synchrony bank. I had contacted them and said to them, I did not open a account. I asked the person from synchrony bank, how they got my information. They said a person opened the account and had all of my contact and Personal information. They said had called and open the account. I said, that I did not request a account from Synchrony Bank/ Pay pal Master card. I asked them to give me information on what I Purchased, I asked to speak with a American Speaking person. She said that I went to XXXX XXXX, and rented a Room, and went to the Vending Machines to buy Eyelashes, Candy and soda and items in the vending machine. I said that I never go to XXXX XXXX, and Rented a room, along with the vending machine purchases. I've been trying to Conclude this matter for over 4 years. I filed a report with the Police, and filled it out on line. this when I Lived in XXXX California. I turned over the Information with My Lawyer 's Secretary for help. I would like to conclude this Matter and have it Cleared from my Credit Reports. I have filled out Pay Pal Master card forms with there bank Synchrony. Please let me know, any further information is needed. My Email is XXXX. The accounts are XXXX XXXX. {$3900.00}, and acct # XXXX XXXX {$1700.00}. Please let me know, if any further information is needed. Thank You 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 2024-02-13 00:00:00
Product: Credit reporting 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: NM

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.

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying at home for my family. please remove these fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying at home for my family. please remove these fraudulent accounts from my credit report as soon as possible.

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 2024-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: TN

Complaint narrative:
On XX/XX/XXXX, I requested to change my payment due date from the XXXX of the month to the XXXX. At the time, I was told that it would take up to XXXX billing cycles. When the bill due on XX/XX/XXXX was generated in XXXX, I called to find out the status of my request. I was told then that there had been a delay in processing because I was in a status called " paid in advance '' ( or something similar ) but that the representative would correct and that the change would most likely take effect for the payment due in XXXX. When that bill generated a few days ago, the due date was still XX/XX/XXXX. When I called again, I was told that the request could take up to XXXX business days ( that representative calculated that time period would stretch into XXXX ), and today a supervisor told me that the interest on my account would capitalize if the change was not approved by XX/XX/XXXX ( which is XXXX months after my original request ). There is no reason why my simple request should take so long, and there is even less reason for my interest to capitalize because MOHELA can't process my simple request in a timely manner. This is especially true because nobody before had told me that interest capitalization was a possibility.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I have attempted to contact your department since XXXX via mail, alerting you to the presence of multiple inaccurate and misleading entries on my credit report. However, even after obtaining an updated copy of my credit report today, these erroneous items persist, that's why this time I raised these concerns via CFPB. I am requesting their prompt correction and automatic removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I have attempted to contact your department since XXXX via mail, alerting you to the presence of multiple inaccurate and misleading entries on my credit report. However, even after obtaining an updated copy of my credit report today, these erroneous items persist, that's why this time I raised these concerns via CFPB. I am requesting their prompt correction and automatic removal.

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is the only credit bureau that seems to report this misinformation for account XXXX. Experian is reporting that each of the following account were late in XXXX XXXX which is not correct. I sent a letter to both XXXX and Experian over 4 months ago and Experian has yet to correct this information. XXXX and XXXX have since removed this information. I will be moving forward with suing Experian for defamation of character if this is not removed in 7 days being that my initial letter was sent XX/XX/XXXX Please correct the late payments you have reporting for the following XXXX accounts and furnish the correct information. I was never late on any account with XXXX. See the attached copy of my credit report and dispute letter, which is dated, and time stamped. 
Account # XXXX Balance {$4000.00} Account # XXXX Balance {$2400.00} Account # XXXX Balance {$460.00} Account # XXXX Balance {$690.00} Account # XXXX Balance {$1900.00}

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 2024-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
The hospital provider XXXX XXXX XXXX at XXXX XXXX XXXX XXXX TX XXXX never called me to notify me of a debt and now Im getting a call from a collection agency Medicredit to pay for some amount. I specifically told them to call me is the best form of contact as I cant receive mail due to my apartment complex having homeless people breaking into our mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Global Processing Services, LLC
State: CO

Complaint narrative:
I got a random call about a pay day loan they claim I took out. I dont know of any such debt and have requested additional information. Everytime I call they are rude they dont let me speak they threaten with garnishment and lawsuit 's they will file garnishment and then hang up and give me no resolution!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A previous complaint has been filed concerning the improper duplicated withdrawals of funds from my Savings Account, based upon a vacated XXXX by Order of the Court. The XXXX XXXX Department faxed a XXXX reversal request, yet Wells Fargo has the audacity to state that the XXXX is valid and that my complaint has been resolved. They have not taken reasonable steps to confirm the validity of the XXXX. They can not be allowed to illegally withdraw funds in defiance of a Court Order. Wells Fargo, the relevant departments, and staff must all be held accountable and be held to the highest degree of integrity. They still owe me money and I demand that it be retuned to my account without further delay.

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 monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-02-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have been trying to use XXXX American Express Gift cards, one for {$50.00}, and one for {$25.00} that were given to me online, on XXXX and XXXX, and to make a payment towards a trip, and it is constantly declined. On XXXX, because it was declined, my other credit card was charged, which I didn't want or expect. I called the company, and it was difficult trying to reach someone, but I finally did. His solution was to use it in a store. I don't often shop in stores, so that defeats the purpose of the card. He also said I have an " old card '', ( but it is not expired yet ), but did not offer to send me a new card. Apparently that won't make a difference because he said that when you make a purchase online, the merchant has to send for some kind of code from American Express, and I guess the online merchants can't do that. My card will be expiring soon so I asked for a new card, and again, he just said try to use it in a store and then if it expires, to ask for a new card. So then I will have to wait even longer. On their website it says " American Express Gift Cards and XXXX XXXX XXXX can be used virtually anywhere American Express is accepted in the US. ", which is very false.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting 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: TX

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.

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 non-monetary relief