vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-10 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 — Investigation took more than 30 days
Company: Mercedes Benz Financial Services
State: NJ

Complaint narrative:
On XX/XX/2022 they reported me late to XXXX XXXX and XXXX. When the company told me I had a deferral till XXXX on a recorded phone call. I had made phone calls numerous times and stated my financial hardship asking for help when they made the mistake of giving me the wrong deferral date. 
Not only were they giving me a hard time, but I just had a family member passed away on top of the lack of responsibility the took and its completely unprofessional. I first told them I initially had to pay money for my car which is on record at Mercedes Benz. They are illegally reporting a 30 day late payment when I was told other wise. They are in violation of the FCRA and I want it removed immediately. The lack of communication either supervisors and reps at the company is absolutely terrible. They should keep everyones records with proper information so these mistakes do not happen.

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

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

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 non-monetary relief
Consumer complaint received 2022-10-10 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: NY

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/2015 Balance : {$100000.00}. 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX. 
My address is XXXX XXXX XXXX. XXXX XXXX. XXXX. CA. XXXX READ BELOW This FED LOAN account # XXXX is the same as AES XXXX already paid in full. 
This is the same student loan that I have had with AES. 
See attached AES letter copy of paid in full XXXX Please remove the FED LOAN account because I do not owe anything Report to the credit bureaus that the account is close paid in full. 
Reply to this letter to : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX. CA. XXXX Thanks XXXX, XXXX  XXXX/XXXX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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:
I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$2300.00} XXXX XXXXXXXX XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXXBalance Owed : {$5700.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXBalance Owed : {$9700.00} XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX ( Original CreditorXXXX XXXX ) XXXX Balance Owed : {$1600.00} XXXX XXXX ( Original CreditorXXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$2200.00XXXX XXXX XXXXXXXX ( Original CreditorXXXX XXXX XXXX ) XXXX Balance Owed : {$2400.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1700.00} XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX XXXXXXXX Balance Owed {$1700.00} XXXX XXXX Balance Owed : {$2200.00}

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 non-monetary relief
Consumer complaint received 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I had lost my phone and lost access to my bank account and on my new phone i tried accessing my chase account and they said my account had been locked out so I called and they cut ties with me and I assume they added a early warning when i tried to open a new account, m.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kikoff Inc.
State: NJ

Complaint narrative:
Ive been a victim of severe identity theft. Ive reported this incident to Kikoff, XXXX, and XXXX. They continue to verify these fraudulent accounts opened under my name without disclosing who or what information has been verified. I can guarantee they are verifying fraudulent charges. I submitted a complaint through the CFPB, and KIKOFF continues to verify this account, but it is inaccurate. Addresses are reporting on my credit report that are not mine but has been placed there because of these fraudulent accounts. My only address is XXXX XXXX XXXX, XXXX, NJ XXXX. Any other address is fraudulent. The only different address Ive previously resided at was XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX, as per my police report. I am demanding, as per my rights and police report, that both companies remove this information from my credit report if they can not provide the following : 1. The agent ID at the company who is verifying this fraudulent information ( Who ) 2. The information that is being verified ( What ) 3. Where were those cards mailed, or what address has been used ( Where ) 4? A purchase report of the credit card opened under my name This information should be returned to me within 30 days. Ive attached my police report and my bank statement for proof of address. 

Kikoff is verifying this account with inaccurate personal information. It is my right to know the information being confirmed. I can guarantee they are verifying this fraudulent account with information that is not mine. This company doesn't provide proof that this debt belongs to me because it doesnt. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation ; that is, competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your KIKOFF or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ) ; therefore, if you can not validate the debt and show the information used to verify this account, you must request that all credit reporting agencies delete the entry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/2022 they reported me late to Trans Union and XXXX. When the company told me I had a deferral till XXXX on a recorded phone call. I had made phone calls numerous times and stated my financial hardship asking for help when they made the mistake of giving me the wrong deferral date. 
Not only were they giving me a hard time, but I just had a family member passed away on top of the lack of responsibility the took and its completely unprofessional. I first told them I initially had to pay money for my car which is on record at XXXX XXXX. They are illegally reporting a 30 day late payment when I was told other wise. They are in violation of the FCRA and I want it removed immediately. The lack of communication either supervisors and reps at the company is absolutely terrible. They should keep everyones records with proper information so these mistakes do not happen.

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 2022-10-10 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/2022 they reported me late to XXXX XXXX and Experian. When the company told me I had a deferral till XXXX on a recorded phone call. I had made phone calls numerous times and stated my financial hardship asking for help when they made the mistake of giving me the wrong deferral date. 
Not only were they giving me a hard time, but I just had a family member passed away on top of the lack of responsibility the took and its completely unprofessional. I first told them I initially had to pay money for my car which is on record at XXXX XXXX. They are illegally reporting a 30 day late payment when I was told other wise. They are in violation of the FCRA and I want it removed immediately. The lack of communication either supervisors and reps at the company is absolutely terrible. They should keep everyones records with proper information so these mistakes do not happen.

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 2022-10-10 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:
I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$2300.00} XXXX XXXXXXXX XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXXBalance Owed : {$5700.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXBalance Owed : {$9700.00} XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX ( Original XXXX XXXX ) XXXX Balance Owed : {$1600.00} XXXX XXXXXXXX ( Original Creditor:XXXX XXXX XXXX A XXXX XXXX Balance Owed : {$2200.00} XXXX XXXXXXXX ( Original CreditorXXXX XXXX XXXX ) XXXX Balance Owed : {$2400.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1700.00} XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX XXXXXXXX Balance Owed {$1700.00} XXXX XXXX Balance Owed : {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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:
I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$2300.00} XXXX XXXX XXXXXXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXXBalance Owed : {$5700.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$9700.00} XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX ( Original XXXX XXXX ) XXXX Balance Owed : {$1600.00} XXXX XXXXXXXX ( Original XXXX XXXX XXXX A XXXX XXXX Balance Owed : {$2200.00} XXXX XXXXXXXX ( Original Creditor:XXXX XXXX XXXX ) XXXX Balance Owed : {$2400.00} XXXX XXXXXXXX ( Original Creditor : 08 XXXX XXXX XXXX ) XXXX Balance Owed : {$1700.00} XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX XXXXXXXX Balance Owed {$1700.00} XXXX XXXX Balance Owed : {$2200.00}

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 non-monetary relief
Consumer complaint received 2022-10-10 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: NC

Complaint narrative:
I had an unauthorized inquiry on my Equifax credit report submitted by XXXX. I disputed it about a year ago with Equifax. Equifax told me that I needed to contact XXXX to address the issue. I wrote a letter as instructed to address the problem. XXXX sent me a letter saying that they had the inquiry removed. I contacted Equifax again and shared the letter that I got. I did not hear anything from Equifax. I called them and they told me to send the letter. I sent the letter and never heard anything about it and the inquiry remained on my credit profile to this day. 

I am appealing to you so that the record can be straighten.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
Hello, I am having issues with a collection agency called Southwest Credit Systems ( SCS ) based out of XXXX, TX. 

In XX/XX/XXXX, I filed a complaint with the XXXX XXXX  Case # XXXX, because based on the dates this debt was first reported XX/XX/XXXX they reported me to the credit bureaus first, then based on the date on the collection letter XX/XX/XXXX notified me afterwards. 

 ( see attachment ) I disputed it and requested validation of this debt on XX/XX/XXXX ( see attachment ) and after filing the complaint with the XXXX  on XX/XX/XXXX SCS promptly deleted their collection from my report. 

Fast forward two years, this past XXXX, SCS once again reported me to the credit bureaus, so I filed another complaint with the XXXX  on XX/XX/XXXXXXXX XXXX Case # XXXX, ( see attachment ) only this time they continued to refuse to validate the debt and delete the collection on my credit report. 

FYI, both the collector and their client were unable to provide any proof of their allegations against me. 

I also filed a complaint with the Texas Attorney General, complaint # XXXX and I am currently waiting for a response from them. 

I even spoke to several attorneys who say I have a case and that I can sue them, but they want between {$2500.00} and {$3000.00} in retainer fees. 

Also, based on hundreds of complaints this company has a habit of operating in this manner and of brushing off requests for validation of the debt by ordering customers to file an affidavit of fraud, which is not only inconvenience, but a laborious and time consuming hassle and something I am not obligated to do, because ultimately the burden of proof lies on them, not I. 

What's more, I am entitled to be notified of this debt in writing and to have an opportunity to dispute and request validation of this debt within a 30 day period. 

I was not afforded these rights, because they simply reported a debt that they have been unable to verify and that had already been deleted two years ago again. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: LA

Complaint narrative:
On XX/XX/XXXX, I contacted ED financial when I found out about Biden 's Loan Forgiveness. I went to the FSA website that I could request a refund on payments that were made during the payment pause that started in XXXX. During the pause on payments, I paid off fully over {$35000.00} in student loans. After finding out about the forgiveness, I immediate contacted ED Financial about a refund of {$20000.00} due to me being a recipient of the Pell Grant and making under {$120000.00}. These qualifications mean that I am eligible for XXXX loan forgiveness. 

ED Financial is seeming to not know much about the refund and could not give me a time frame the refund would come. There are many other servicers that are giving time frames on refunds and refunds being reflected on their account. The application for forgiveness begins this month in XXXX and I am worried that ED financial will not process my refund in order for me to receive student loan forgiveness. I was told that the loan balance would not be reinstated until the refund was processed which may be after the deadline. The payments and accruing of interest will return in XXXX of XXXX. 

ED financial also told me that they can not provide a confirmation number or email proving that my request was sent to be processed. I do understand the volume of people requesting money back makes the time longer but its very concerning that they can not give me date range for my refund. I fear not getting my refund on time for forgiveness. Other servicers are getting their customers refunds and dates of refunds but ED financial seems to not know a thing. The refund would be a blessing to my family and so many other families during these hard times. I believe that this company, ED Financial does not care to give my refund in a timely manner and this bothers me daily. 

I am writing this complaint after hours discussion with others with this same fear. If I do not get my refund and have loans forgiven, I believe I will be devastated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation