vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
Submitted ( PSLF ) XXXX proof of certification of employment for loan forgiveness ; and again on XXXX, but due to COVID the certification was dated XXXX. I was not denied in XXXX, but FedLoan said I did not qualify, must make 120 qualifying payments. I do qualify for loan forgiveness but am getting the runaround with FedLoan servicing. I did make payments since XXXX and worked for a public entity ( XXXX XXXX XXXX XXXX for XXXX years and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pacific Retrieval LLC
State: CA

Complaint narrative:
XX/XX/XXXX Wednesday, I called Pacific Retrieval LLC because I received a collection notice that I Owe XXXX to their client XXXX XXXX XXXXXXXX XXXX, when the representative got on the phone he already had a attitude & was talking rude when I started to talk I told him I am glad that this call is being recorded he then proceeded to interrupt me and tell me I was badgering him and that he will Sue me and take me to court & get my money & he was gon na give me XXXX more chance to talk nice when I started to talk he then interrupt me again rudely and started saying things, I just hung up, I then proceeded to call back & try to talk with someone else & they refuse to help me & hangup on me. This debt is not mine apparently in XX/XX/XXXX I sold a car sent in my release of liability to XXXX. They got this car in XX/XX/XXXX & apparently the person I sold it to did not register it with XXXX, Ive sent a email with copies of everything, Im sending them a certified letter with A copy of bill of sale. They refuse work with me & want to just get a judgement against me even with the proof in front of them, its impossible to talk to anyone over there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I bought the car on the XXXX of XXXX. I had 7 days to bring them a check for buy out. On the XXXX, I brought a check from my credit union for the buy out. Prior to that I had bought another vehicle from them and dud the same process. Within 3 days Capital one adjust the loan as it was funded with my credit union. Unfortunately I returned that vehicle due to potential mechanical issues. So I bought the 2nd car and followed the same process. However this time around Capital one is telling me I have a loan with them for the same vehicle which has been paid for from my credit union. I've been calling the local dealership for about 2 plus weeks now, call the XXXX corporate XXXX and they all keeps telling me they not sure what happens but they are researching it. This is absolutely insane, so now I have 1 vehicle but 2 loans are being reported under my credit while XXXX apparently has being paid twice for 1 car. I'm tired of calling the dealership and XXXX XXXX. Pls help, this is frustrating. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: Exeter Finance, LLC.
State: MO

Complaint narrative:
My name and information were used fraudulently with Exeter finance the account was opened on XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: OH

Complaint narrative:
I have disputed XXXX XXXX/XXXX  XXXX XXXX 's reporting on all 3 of the major bureaus ' reports, on multiple occasions. XXXX  XXXX XXXX XXXX is reporting different open dates, close dates, high credit amounts, dates last active, and dates of last payment on the 3 bureaus ( Experian, XXXX, XXXX ) .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have recently been informed that there is negative information reported by Comenitycapitalb in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing This is not my account on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX, {$100.00} was taken from me from a XXXX Bank of America username with the phone number XXXX XXXX XXXX  XXXX pretending to be Bank of America.

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 2022-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NJ

Complaint narrative:
LexisNexis continues to provide false and misleading verification to credit agencies XXXX, XXXX XXXX XXXX even after suspending the right to share reporting. 
In accordance with Fair Credit Reporting Act, XXXX Has Violated my rights. Delete Public Record Bankruptcy XXXX XXXX. In accordance with the Fair credit reporting act, XXXX Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions. In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX Account XXXX XXXX has violated my rights. - Please delete this account based on inaccuracy & because, In accordance with the Fair credit reporting act, XXXX XXXX Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions. In accordance with Fair Credit Reporting Act, XXXX XXXX Bank # XXXX has Violated my rights. Please Delete XXXX XXXX Bank Account from my credit profile. In accordance with the Fair credit reporting act, XXXX Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions. In accordance with Fair Credit Reporting ActXXXX XXXX  - I didn't approve double hard Inquiry, XX/XX/XXXX & XX/XX/XXXX - only one credit pull was authorized for this transaction. In accordance with the fair credit reporting act Delete one inquiry. Delete 90 days late on my XXXX XXXX Account. Has Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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 want to state that this is complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my EQUIFAX credit report recently and found some inaccurate reporting on my credit report. I wrote EQUIFAX a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. XXXX is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist with account name : INQUIRY - XXXX - XXXX  - XXXX XXXX  XXXX  XXXX XXXX PA XXXX I have never been late on this account. please correct inaccuracies in payment history... Attached is the letter i wrote to EQUIFAX in an attempt to dispute this inaccurate information. i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: GA

Complaint narrative:
Hello, I received mail yesterday ( XX/XX/XXXX ) from " Afni , Inc '', a debt collector company, regarding an owed bill from XXXX in the amount of {$650.00}. I immediately called XXXX, and upon calling the customer service number for XXXX, I was told that I have a balance of {$920.00} on my account. 

However, this is incorrect, and I am confused about this situation. I was a XXXX customer 2 years ago, but when I got divorced in XX/XX/XXXX, I returned all XXXX equipment and discontinued all services when I sold my house in XX/XX/XXXX. 
I moved to a new house in the same month of XX/XX/XXXX, and after moving, I never requested or continued XXXX service. However, XXXX still continued to charge me for service in my old house on my account. 

I don't owe XXXX any money. I called XXXX multiple times, and I explained my entire situation, but nobody was able to resolve this issue, and I was constantly transferred from person to person during the phone call. 

This issue hasn't been solved. During the call, they just expressed that they understand my situation and apologized to me, however nobody was able to fix my problem. 
This unfair situation due to a mistake on XXXXXXXX XXXX part is causing me a lot of distress, and I want to get to the bottom of this issue and have it taken care of immediately. 

Please get back to me on how you can resolve this, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
My name and information were used fraudulently with Comenity Bank the account was opened on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MO

Complaint narrative:
someone scam me out of XXXX say she can flip and give me XXXX for that and then said that she need my XXXX acct and then asked for more money i have called chime they said that they cant do anything about it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello i submitted my dispute to the bureaus on XX/XX/2022 and on XX/XX/2022 about an account called XXXX. I demanded this account be removed because and to send me verifiable proof of these accounts, any application or documents baring my signature and they have yet to provide me with this information i have been checking my mail everyday for correspondence from the bureaus about this matter but received none yet please help me resolve this matter as now i feel like the only thing i could do is just send a complaint after sending of two letters and receiving no help. This misleading information is ruining me and has caused me a lot of stress.

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 2022-07-07 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: PA

Complaint narrative:
Hello i submitted my dispute to the bureaus on XX/XX/2022 and on XX/XX/2022 about an account called XXXX. I demanded this account be removed because and to send me verifiable proof of these accounts, any application or documents baring my signature and they have yet to provide me with this information i have been checking my mail everyday for correspondence from the bureaus about this matter but received none yet please help me resolve this matter as now i feel like the only thing i could do is just send a complaint after sending of two letters and receiving no help. This misleading information is ruining me and has caused me a lot of stress.

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 2022-07-07 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: ID Analytics, Inc.
State: NJ

Complaint narrative:
Sage Stream continues to provide false and misleading verification to credit agencies XXXX, XXXX XXXX XXXX even after suspending the right to share reporting. In accordance with Fair Credit Reporting Act, Sage Stream Has Violated my rights sharing records without my permission. Delete Public Record Bankruptcy XXXX XXXX. In accordance with the Fair credit reporting act, XXXX Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions. In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX Account XXXX XXXX has violated my rights. - Please delete this account based on inaccuracy & because, In accordance with the Fair credit reporting act, XXXX XXXX XXXX my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions. In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX has Violated my rights. Please Delete XXXX XXXX Bank Account from my credit profile. In accordance with the Fair credit reporting act, XXXX Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions. In accordance with Fair Credit Reporting Act, XXXX XXXX I didn't approve double hard Inquiry, XXXX XXXX XX/XX/XXXX - only one credit pull was authorized for this transaction. In accordance with the fair credit reporting act Delete one inquiry. Delete 90 days late on my XXXX XXXX Account. Has Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: TN

Complaint narrative:
On XXXX XXXX I notice there where multiple fraudulent inquires on my consumer report. Experian is in direct violation of 15 U.S.C. 1681b. Experian was unlawfully reporting XXXX unauthorized inquiries on my consumer report. The law clearly states that you are required to have permission and written instruction from the consumer before you can furnish anything. Experian is in violation of the Fair Credit Reporting Act codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
I did not and do not have an " account '' as defined under 15 U.S.C. 1693a ( 2 ) with US SM BUS ADMIN XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX ( it appeared twice on my report ), XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX. 
Experian was frivolously reporting unverified information, which was directly affecting my creditworthiness.

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 2022-07-07 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: PA

Complaint narrative:
I have contacted the reporting agency every month since XX/XX/2021. In accordance with the fair credit reporting act XXXX XXXX Acct XXXX XXXX Acct XXXX, has violated my consumer rights. 

15 USC 1681 Section 602 states, I have the unchallenged right to privacy.

15 USC 1681 Section 604 A Section 2 states, it a consumer reporting agency can not furnish an account without my written instructions. I have not provided any written instructions 15 USC 1666 B states, a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.

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 2022-07-07 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 want to state that this is complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my EQUIFAX credit report recently and found some inaccurate reporting on my credit report. I wrote EQUIFAX a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. XXXX is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist with account name : INQUIRY - XXXX - XXXX  - XXXX XXXX XXXX XXXX  XXXX XXXX PA XXXX I have never been late on this account. please correct inaccuracies in payment history... Attached is the letter i wrote to EQUIFAX in an attempt to dispute this inaccurate information. i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX  accounts : XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, accounts are inaccurate and has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

16 U.S.C 1681 section 604 A. States a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: CBC Companies, Inc.
State: NJ

Complaint narrative:
Innovis continues to provide false and misleading verification to credit agencies XXXX, XXXX XXXX XXXX even after suspending the right to share reporting. In accordance with Fair Credit Reporting Act, Innovis has Violated my rights sharing records without my permission. Delete Public Record Bankruptcy XXXX XXXX. In accordance with the Fair credit reporting act, XXXX Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions. In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX Account XXXX XXXX has violated my rights. - Please delete this account based on inaccuracy & because, In accordance with the Fair credit reporting act, XXXX XXXX Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions. In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX  # XXXX has Violated my rights. Please Delete XXXX XXXX XXXX  Account from my credit profile. In accordance with the Fair credit reporting act, Company Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions. In accordance with Fair Credit Reporting Act, XXXX  - I didn't approve double hard Inquiry, XX/XX/XXXX & XX/XX/XXXX - only one credit pull was authorized for this transaction. In accordance with the fair credit reporting act Delete one inquiry. Delete 90 days late on my XXXX XXXX Account. Has Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions.

Company response to consumer: Closed with explanation