vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX  account # XXXX & XXXX, XXXX account XXXX XXXX, XXXX account # XXXX, XXXX & XXXXXXXX XXXX XXXX  account # XXXX has violated my rights. 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX  account # XXXX & XXXX, XXXX account XXXX XXXX, XXXX account # XXXX, XXXX & XXXXXXXX XXXX XXXX account # XXXX has violated my rights. 

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.

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 2022-09-10 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: Credit Karma, LLC
State: NY

Complaint narrative:
Hi my name is XXXX I have been tricked by credit karma they showed me credit cards I was pre approved for and also told me there was no credit check but when I applied for one it alerted me that there was a hard inquiry on my credit report I've been using credit karma for years and I don't think it's ok that I've been getting tricked or lied to I want compensation for the lies and decite I had to go through and some of the things on my credit report I've tried getting removed bc some of them aren't my account they belonged to an ex but credit karma said they couldn't remove them! I don't know what to do or think

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I filed for Bankruptcy. I was discharged. Capital one is included in this discharge but it still shows on my credit report as a negative credit it says closed but is still on the report. Thus effecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2022 my personal computer was hacked and they gained access to my Chase bank checking account # XXXX. They tried to charge via XXXX an amount to XXXX XXXX {$480.00}. 
Chase sent me a text asking me if I authorize this payment and I replied NO. Chase went ahead and sent the payment anyway. 
Now they will not honor or refund the amount to me until they try to get the money back from XXXX. i dont know how long that will take. I have been a Chase customer fo XXXX  years and they will not do anything more for me or return my money until after they file a claim. 
I think since it was Chases fault and I did not authorize this payment, they should refund my money now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Ref : CFPB XXXX and FTC XXXX XXXX I am report fraud resolution that ba nk has make with XXXX Bureau on XX/XX/XXXX on the XXXX wed site claiming bank has close out my checking account ( Adv Tiered interest chkg for XX/XX/XXXX to XXXX XXXX. Account number : XXXX XXXX XXXX. The letter was sent it to me at home. and the amount was XXXX dollars. This letter was fraud to sent out by bank. Plus ruin my credit line with the 3 Burenu. XXXX has a file number which i filed with the Burenu ( CASE : XXXX ) .This is 2-3 times that the bank has do it to me. Please help me solve this problem as soon as possible. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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: National Credit Systems,Inc.
State: NY

Complaint narrative:
I filed a claim with the cfpb against National Credit Systems , Inc. in 2020, National Credit Systems , Inc is reporting a debt that doens't belong to me and it furnished an address to my credit report that doesn't belong to me. I filed a identity theft report and the information was never blocked from reporting on my credit report, which is a violation. I am requesting that these items be removed from my credit report immediately. attatched is the documentation that should support my claim. I am having difficulty applying for a mortgage because of this fraud account that still reporting on my credit report. XXXX XXXX XXXX  has already removed this item from my credit file and I am waiting for XXXX and National Credit Systems , Inc to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX  account # XXXX & XXXX, XXXX account XXXX XXXX, XXXX account # XXXX, XXXX & XXXX XXXX XXXX account # XXXX has violated my rights. 

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.

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 2022-09-10 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
THIS COMPLAINT IS BEING SUBMITTED BY MYSELF XXXX XXXX XXXX XXXX PERSONALLY. no third party is used in the submission of this complaint I have disputed directly with all 3 bureaus regarding incorrect information repeatedly. the refuse to report my accounts accurately iaw with federal credit reporting act. 



1. they continue to report credit card accounts open/deragatory which were discharged XX/XX/2020 in a XXXX  XXXX bankruptcy ( case XXXX ). these accounts should be reported as closed 2. they refuse to report payment history accurately for older good standing installment accounts in the correct timeframe ( my creditor score factors states i have short credit history ) 3. they refuse to accurately report open installment accounts payments in 30 days 4. they have closed current installment accounts and not reported current payments 5. they refuse to remove remarks after repeatedly disputes. they remove them and them put them back on again over and over 5. AS RESULT OF ABOVE MY CREDIT SCORE AS BEEN SAME FOR YEARS

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 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX, account # XXXX, amount of {$8200.00} reported on XX/XX/XXXX  XXXX XXXX XXXX, account # XXXX, amount of {$16000.00} reported on XX/XX/XXXX XXXX XXXX amount of {$690.00} reported on XX/XX/XXXX  XXXX XXXX XXXX amount of {$3600.00} reported on XX/XX/XXXX in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights.

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

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 2022-09-10 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: NY

Complaint narrative:
I took out a student loan back in XXXX that was written off in XXXX and closed by the US Department of Education. The balance was erased and everything was reported accurately to the credit reporting agencies until XXXX I recently checked My XXXX credit report and the loan is appearing as three separate loans which is incorrect and violated double jeopardy laws in place to protect consumers from inaccurate credit reporting as per the Fair Credit Reporting Act. I have attempted to contact the lender but since its a loan I was informed that XXXX should be contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
XXXX refuses to provide any information on consolidating my XXXX loan from XXXX  University in XXXX XXXX into a direct loan in order to have it discharged under the president 's relief. The university officers were similarly completely useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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: NY

Complaint narrative:
I filed a claim with the cfpb against XXXX XXXX XXXX XXXX XXXX in 2020, XXXX XXXX XXXX XXXX XXXX is reporting a debt that doens't belong to me and it furnished an address to my credit report that doesn't belong to me. I filed a identity theft report and the information was never blocked from reporting on my credit report, which is a violation. I am requesting that these items be removed from my credit report immediately. attatched is the documentation that should support my claim. I am having difficulty applying for a mortgage because of this fraud account that still reporting on my credit report. XXXX  and XXXX  has already removed this item from my credit file and I am waiting for equifax and XXXX XXXX XXXX XXXX XXXX to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: MO

Complaint narrative:
This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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: EdFinancial Services
State: CA

Complaint narrative:
I submitted a refund request with EDfinancial. I received no confirmation via email ( no refund information is posted on my account ) and have had to call to get updates. I am now told this refund process can take up to six months, and I could potentially miss the window to have some of the loans that will be put back on my account forgiven. 

For a student these are large sums of cash and I was hoping I could call and expedite the refund process. EDfinancial says refunds are at the discretion of the Dept of Education. After doing research it seems the only hope I have is to daily hound EDfinancial to make sure they stay on top of the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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: Porania, LLC
State: TN

Complaint narrative:
XXXX and XXXX reporting delinquent and it is not delinquent been placed on hold per President 's request.

Company response to consumer: Untimely response
Consumer complaint received 2022-09-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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: AES/PHEAA
State: TN

Complaint narrative:
Fedloan and XXXX reporting delinquent and it is not delinquent been placed on hold per President 's request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc.
State: MN

Complaint narrative:
I am XXXX XXXX XXXX and have been out of school for upwards of 10 years. I have experienced 2 student loan services through education process, approximately half of my student debt was serviced by the XXXX  ( XXXX  XXXX loan ) which appears to have used consistent reasonable loan practices and has ultimately resulted in consistent balance repayment. For background when I concluded my education my student debt broke down as follows : XXXX XXXX XXXX Loans Total Borrowed : {$39000.00} Current Federal Loan balance ( Recently Transferred from XXXX to Aidvantage ) : XXXX XXXX  SELF Loan Total Borrowed : {$32000.00} Current XXXX Balance : {$17000.00} Out of a total of 140 loan payments to XXXX, 30 payments totaling {$530.00} have been credited towards my principal. 

I have had generally higher payments with XXXX over my entire loan lifetime and given that I am one person solely making payments on these loans my financial situation has obviously been the same through the loan period. It seems pretty unreasonable that with 2 similar student loan servicers, servicing one person over the same time period ; with one provider regular payments are resulting in debt going down over time and another provider ( Which has been the target of multiple unfair practices complaints ) has resulted in the loan balance dramatically increasing over the lifetime of the loan. 

I feel that XXXX used unfair tactics to steer me into loan deferment and other repayment options that ultimately led me to accrue additional interest than necessary and making loan principal payments nearly impossible. In general, during times of financial hardship I had multiple contact points with XXXX via phone call, text and email that ultimately lead me into excessively costly short-term/temporary financial relief instead of affordable, long term repayment options that would have made financial sense. 

The financial hardship XXXX put me through not only negatively impacted my credit score, it was seemingly impossible to remove my cosigner from the loans thus missed payments also created negative impact on my fathers credit. 

My loan situation feels almost entirely consistent with the CFPB Lawsuit against XXXX. 

https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: MO

Complaint narrative:
This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

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 2022-09-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

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 2022-09-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

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 2022-09-10 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:
The letter below was mailed out to Experian on XX/XX/XXXX. They never mailed anything to me, however on their Experian website in their dispute center they entered information on XX/XX/XXXX stating the account in question has been verified. There is no way they did a proper investigation into this matter. 

Experian 's National Consumer Assistance XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Dear Experian Just to be clear, 15 days should be enough time for your company to send me the information that Im requesting regarding the last investigation you did on the following account listed below. 

XXXX XXXX : Account number : XXXX, What are your investigation procedures for this account? I need a full investigation done and a full report. 

You verified this account pretty fast. I have a simple request. What procedures does your company have in place to investigate accounts? Can you send me a copy of those procedures? Second, what data are you basing your verification off? Please send that to me also. I want to make sure you are following the law. 

15 Days should be enough. 

I am tracking all letters and waiting.

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