vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-27 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: Nelnet, Inc.
State: NV

Complaint narrative:
I am the cosigner on my son 's student loan with XXXX credit. Even though his loan is in a delayed repayment status because he is XXXX XXXX military, they incorrectly show a missed payment for XX/XX/21 and XX/XX/21. 

They don't dispute the error, and agreed to fix it, but then failed to do so. When I contacted them a second time, I was instructed to email my credit report to them. 

I did so, but now they claim they can't authenticate my identity. I used the same information via email that I used earlier the same day via phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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: FL

Complaint narrative:
I have sent in letters over 30 days ago and still have not heard back from the credit bureaus this is a violation of the FCRA this is unacceptable please remove the negative items from my report at once XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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:
I have sent in letters over 30 days ago and still have not heard back from the credit bureaus this is a violation of the FCRA this is unacceptable please remove the negative items from my report at once XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I sent certified mail to XXXX disputing a foreclosure record that was reported as having occurred in XX/XX/XXXX. I requested them to report correctly as the foreclosure was in XX/XX/XXXX. On XX/XX/XXXX I received the results of my dispute stating that after investigations the item remained as is. On XX/XX/XXXX I refiled an electronic dispute with XXXX and included a copy of the XXXX XXXX of the foreclosure. On XX/XX/XXXX I received the results stating that the company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute XXXX dont think XXXX is doing its duty in investigating this dispute. Prior to XXXX, the foreclosure was accurately reported on the exact month and year it happened. For reasons best known to XXXX, they changed the date of the foreclosure from XX/XX/XXXX to XX/XX/XXXX. This inaccurate reporting hurts people trying to do the right thing and creates doubts about the credit reporting system.

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 2021-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Invalid Addresses : XXXX XXXX XXXX XXXX XXXX TX XXXX Invalid Accounts I did not sign my signature on : XXXX XXXX # XXXX - Never signed any accounts with my signature for {$34000.00} XXXX XXXX # XXXX - Never signed any accounts with my signature for {$13000.00} Under the Fair Credit Reporting Act, the credit bureaus are supposed to report TRUE and ACCURATE information. Please advise them, they have 30 days to remove this information.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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: MI

Complaint narrative:
Equifax has violated my federally protected consumer rights. I have never given the any written instruction to furnish any credit report on my behalf. Also, they are reporting nonpublic information on my XXXX report which is a violation of my privacy. VIOLATIONS pursuant to 15 usc 1681 ( a ) ( 4 ) and 15 USC 1681b ( a ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Palisades Funding Corporation
State: CT

Complaint narrative:
On XX/XX/XXXX I place a phone call to a XXXX XXXX known as : XXXX XXXX XXXX XXXX XXXX 
In regards to a collection account place on my XXXX credit report after a random check of my consumer profile review. 

Unfortunately I was not able to receive the name of the woman addressing incoming phone calls do to her lack of respect and disregard of properly identifying herself. 
She insisted I give her formation, name, case number, XXXX. 

I felt extremely uncomfortable therefore I am filing this complaint to inform, XXXX XXXX XXXX XXXX, that this unknown and unverified collection account is showing multiple an clear inaccuracies. 

I made an attempt to contact and receive information to understand how they come to the conclusion of their calculations with the sum of : {$1500.00} Which is completely and absolutely inaccurate from XXXX and XXXX that is reporting {$1500.00}. Also on XXXX the original creditor is reporting {$1500.00} Also its clear the account is closed but was updated on : XX/XX/XXXX as an open account. 

It appears attempts to violate my rights are being committed which is a violations of the FCRA under the law regarding Re-aging accounts. 

- XXXX XXXX XXXX reporting a update on : XX/XX/XXXX with original creditor. 
- XXXX is reporting a update on : XX/XX/XXXX - XXXX is reporting XX/XX/XXXX - XXXX XXXX XXXX XXXX reported XX/XX/XXXX on my XXXX XXXX XXXX XXXX 

This account was closed by the original creditor : XXXX XXXX XXXX, on : XX/XX/XXXX. However, the collection agency in question has reported account status as : XXXX. 

During my research after my attempt to reach a member of this company to understand more about this unknown debt, my research lead me to find a law suit against this particular XXXX XXXX that warrant this complaint for their unfair practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX have sent my name in collections for the amount of {$3000.00}. In addition to ruining my rental credit history which is making it nearly impossible to rent. The issue was bought to my attention on XXXX XXXX when I attempted to rent an apartment. I have never received any letter or phone calls from XXXX XXXX regarding the issue. I have made an attempt to reach out to them via email on XX/XX/XXXX, at XXXX ( which was the email of the person who sent my last lease ) and putting in a direct request on the company 's website XXXX XXXX XXXX XXXX XXXX a couple of days afterwards. No one has reached out to me regarding the matter. In XX/XX/XXXX, I broke my lease. Upon moving in the apartment I gave them a XXXX months rent deposit in addition to the prorated amount that was due when I moved in XX/XX/XXXX. When I inquired about possibly breaking the lease they stated I had to pay XXXX months rent XXXX XXXX XXXX XXXX ( they had XXXX months rent ). The rental amount was {$1200.00} in XXXX and had increase to {$1200.00} upon me leaving.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I want the extended fraud alert removed from my credit file under " XXXX XXXX ''. It his hindering to move forward with refinancing my home.

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 2021-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: CO

Complaint narrative:
I received a letter that shows it is from American Coradius International LLC dated XX/XX/2021. It has my name ( with my maiden name, not my legal married name ) and my address. It has an account number listed and an amount due to XXXX, XXXX. I do not own the account listed and I do not owe XXXX any money. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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: MI

Complaint narrative:
Equifax has violated my federally protected XXXX  rights. I have never given the any written instruction to furnish any credit report on my behalf. Also, they are reporting nonpublic information on my XXXX report which is a violation of my privacy. XXXX XXXX XXXX 15 usc 1681 ( a ) ( 4 ) and 15 USC 1681b ( a ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This occurred on XX/XX/XXXX. I am a victim of a XXXX XXXX XXXX Ive founded the posting on XXXX XXXX listed by XXXX XXXX. He said to text landlord XXXX at ( XXXX ) XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX and sent to back to XXXX email XXXX as requested. He then said to pay {$100.00} for application fee and background check. XXXX XXXX XXXX XXXX XXXX XXXX to XXXX via XXXX XXXX # XXXX since he handles XXXX XXXX XXXX XXXX I wouldnt XXXX XXXX XXXX XXXX XXXX. He said if I am XXXX XXXX XXXX XXXX, I will need to pay {$600.00} for deposit and he will XXXX XXXX XXXX XXXX XXXX I agreed. After I paid {$100.00} app fee and {$600.00} deposit, XXXX changed his mind and refused to let me see XXXX XXXX. I told him I am not sending any more money and that I am no longer interested in XXXX and requested for refund. I then called XXXX and told him what happened. XXXX rep said payment went through and there is nothing that can be done. I went onto my chase app and submitted request to XXXX to pay me {$600.00}. As of XX/XX/XXXX I have not heard back from XXXX. XXXX continues to send me XXXX texts. I replied back to XXXX on XXXX and he said he gave me the wrong number and that ( XXXX ) XXXX was hacked XXXX years ago and he forgot to inform me. XXXX then gave me a different number to call landlord but I did not contact anyone else. Ive reported XXXX XXXX of scam to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I want the extended fraud alert removed from my credit file under " XXXX XXXX ''. It his hindering to move forward with refinancing my home.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I want the extended fraud alert removed from my credit file under " XXXX XXXX ''. It his hindering to move forward with refinancing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Klarna AB
State: SC

Complaint narrative:
I have been trying to get this resolution with Klarna for over a month and they keep telling me that they are going to get it fixed and all I am getting is the run around. I have kept my account in good standing and I have never had a problem using my card until XX/XX/2021 and since then they will only tell me the same thing and not fix this issue. They say the system wants to verify my identity but they will not give me an option to provide the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : US Dept. of Education/XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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, XXXX XXXX XXXX, am a victim of identity theft and attached below is my XXXX XXXX XXXX XXXX I fully authorize this notice and compliance. I have also mailed all respective XXXX my identity theft affidavit. I have never authorized or gave XXXX written consent to any XXXX XXXX  affiliate XXXX to furnish my data with the following companies, please be aware, no consent, is identity theft : US Dept. of EducationXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I received a letter that shows it is from XXXX XXXX XXXX XXXX dated XX/XX/2021. It has my name ( with my maiden name, not my legal married name ) and my address. It has an account number listed and an amount due to PayPayl, XXXX. I do not own the account listed and I do not owe PayPal any money. This is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I received a collection letter from this company named " Commonwealth Financial '' I disputed this debt under section the " Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } ''. The company then responded providing my medical records ( showing the service that I received from the original medical facility named ( XXXX XXXX XXXX ). I've included their initial letter sent to me, my response, and their response. This company is in violation of my Hippa rights and I intend to sue for under a " Hippa Violation ''. 

The original hospital will also receive a lawsuit from me because they've disclosed my personal medial record illegally. NO HIPPA SIGNATURE WAS PROVIDED BY THE collection agency. 

This is also a alleged debt which happens to update the statement date illegally as well! The patient statement date showing ( XXXX ) is inaccurate. This company is illegally updating the statement date so they can illegally collect on a debt which is outside the statue of limitation 's, a Hippa violation, and inaccurately and illegally reporting FALSE statement dates. I live in XXXX, TX and my Employer can also verify I've NEVER received service on XXXX. 

Reporting inaccurate service date makes this collection company in violation under " FCRA section 605 ( c ) ... ..Meaning they've re-aged a debt so the debt is inside of the statue of limitations, which is a down right LIE. 

I WILL MOST DEFINITELY FILE MULTILPE LAWSUITS AGAINST THIS COMPANY SHOULD THEY NOT STOP ALL COLLECTION ACTIVITIES. AND REMOVE THIS TRADELINE FROM MY CREDIT REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have tried many times over the past four years or so, using different web browsers in different configurations, to access my Experian credit report from https : //www.annualcreditreport.com/. Every time, I get the error message " A condition exists that prevents Experian from being able to accept your request at this time. '' followed by a suggestion to write my request, including SSN, on paper and mail it to them. A quick Internet search reveals that I am FAR from the only one to report this problem. 

Using the same browser configurations, I have been able to retrieve credit reports from XXXX and XXXX quickly and easily. 

I can understand that Experian might have the occasional technical problem with their web application. However, if their application has a bug, they should have long ago fixed it. At this point, I can only describe their failure to provide the service to me that they are required to provide by federal law either willful malfeasance or gross negligence.

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 2021-11-27 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: CO

Complaint narrative:
I recently made a purchase on my Cashapp account with the store XXXX XXXX.Ater find out that the items were not as described so I requested to return them.XXXX XXXX accepted for me to return the 3 items and I printed out 2 return labels for me to ship them back to them.After waiting a few days I saw that they were returned back to them.I then tried to get in contact with XXXX XXXX via phone.I told them I returned the items back to them but they were unable to give me a refund without explaining to me why.This them prompted me to start a dispute with my card issuer Cash App.I have tried to dispute the transaction via customer support but they keep sending me the same email 2x.My end goal is to try to have this XXXX XXXX transaction disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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: AR

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/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX DELAWARE XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX Balance Owed : {$3700.00}

Company response to consumer: Closed with explanation