vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-28 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: WI

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.

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 2022-03-28 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: WI

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am applying for a parent plus loan for my daughters college tuition and Experian is telling me that I have to send a WRITTEN REQUEST TO HAVE MY CREDIT FREEZE LIFTED!! 

I don't have that time for snail mail! My college students college needs to pull credit to determine eligibility and it needs to happen and get approved by next week!! 

I called customer service and it WILL NOT CONNECT ME TO A LIVE PERSON!!!! I called within business hours. I am FURIOUS!!!! 

This is unacceptable and could ruin everything. 

EXPERIANXXXX 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 non-monetary relief
Consumer complaint received 2022-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN INTERNET MORTGAGE
State: TN

Complaint narrative:
Our house has been sold and we requested a payoff statement from AIM Loan for XX/XX/2022. Our payoff statement was issued as good through XX/XX/2022. We had an issue with the sale and the new closing date became XX/XX/2022. On XX/XX/2022, I sent a message stating that our mortgage would be paid off, and making sure I did not need to make any payments since a payoff statement had been requested. AIM responded in the affirmative, that it is policy I did not need to make any payments once a payoff had been requested. On XX/XX/2022 I received a letter that we were late on our payment and had been assessed a late fee. My husband called AIM to tell them that we had already checked about not paying this month since there was a payoff coming. The AIM customer service person was obstinate that if they did not receive payment by XX/XX/XXXX, they would be reporting to our credit and they had already assessed a late fee. Now AIM wants to report to our credit that their payment is 30 days late and assess us a late fee and charge us an extra {$500.00} or so. They have refused to hold to their previous statements or their own policies and are simply trying to steal even more money from us.

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 2022-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
continues to show Delinquent account on credit report

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 2022-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: OR

Complaint narrative:
I am from XXXX but had a fire in XXXX XXXX emergency health coverage  the XXXX health plan XXXXXXXX. All other creditors filed there claims but these guys. They placed it on my credit report. Like every other collection agency i have ever talked to they do not care to hear that they are wrong about anything. In XXXX they are particularly immune from falling any laws. They hung upon me and of course are on a power trip. Welcome to 2022.

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 2022-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Patient Accounting Service Center
State: NY

Complaint narrative:
I think this is debt from my bankruptcy that was already disputed. Im not sure what this is currently involving

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: Fidelity National Information Services, Inc. (FNIS)
State: WI

Complaint narrative:
Chex Systems has a inquire on my report that's not mind. Made by a company named XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX. I made a complaint with consumer finance in the past. I was a victim of fraud, this inquire was not made by me. I never opened up a account with them, I would like this off my record.

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 2022-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
on XXXX I recieved an inquiry on my credit report for an account that I never inquired for - my social security number has been frozen since XX/XX/2022, yet somehow an inquiry for credit using my social security number was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: FL

Complaint narrative:
I was charged for a new debit card after loosing mine and that card never came so I ordered a new debit card for express delivery and was told I wouldn't be charged for it but direct express charged me for 2 Debit cards when they told me they wouldn't charge so I've called direct express 5x to resolve this but they aren't being honest please respond

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-28 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: TX

Complaint narrative:
This is not my first case open with the CFPB concerning these accounts. I am completely shocked on how I am not being heard concerning these issues with Experian and XXXX concerning this account. I have been disputing the inaccuraccy of this account for 7 plus years. as of XX/XX/2022 report XXXX on account XXXX XXXX  XXXX XXXX XXXX Experian and XXXX continues to report in accurate information and now allowing XXXX XXXX to report unverified information as well. I am in receipt of Experian letters stating that my disputes of items in my credit report was irrelevant and frivolous. I am upset that your credit reporting agency would try such a blatant stall tactic Then turn around and say that these items are verified. How? They haven't produced any documentation that I have requested from them. Yet you say its verified. ALL INFORMATION ON MY CREDIT REPORT IS SUPPOSE TO BE TRUE AND ACCURRATE YET BOTH BUREAUS ( EXPERIAN AND XXXX ) are reporting inaccurate information repeatedly. 
1. Experian shows that XXXX XXXX XXXX is the original creditor, while XXXX shows XXXX XXXX. 
2, Both have different open dates that are both inaccurate 3. Both bureaus have inaccurate payment histories and account status don't match at all. 
4. The balances are also inaccurate. 
5. When were payments made? A payment history is reporting.No valid or verrified information is being reported. 
I have tried to fix this account over 50 times and still I am being ignored. I have the right to have my credit report true and accurate according to the laws of the Fair Credit Reporting Act.

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 2022-03-28 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 an account without my written instructions.

In accordance with the Fair Credit Reporting act XXXX XXXX Account # ending in 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Payment reported lated on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received a phone call from a XXXX XXXX. She was very rude on her message didn't state what company she was calling from. All she did was leave me a voicemail stating I was getting served through the county i live in. She also stated she was going to call my work and supervisor in reference to this claim. I am beyond upset due to the harassment this company did towards me. All she did was left me a call back number and a case number. I called the number tried to research the company and there was absolutely no listing for the number. 
When I called the number all they did was state there name but nothing about the company name. I asked what the company was and they stated it was XXXX that they serve paperwork for lawyers. When i spoke to the other representative she was very rude towards me stating they were going to serve me with legal paperwork and they where going to go to my place wherever i was at. That this was a debt from Check n Go from XXXX. This company is very abusive and they threaten people without any feelings or what they will do to you. The only thing I have is a number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: M&T BANK CORPORATION
State: KY

Complaint narrative:
While refinancing an auto loan, M & T Bank is requiring a nearly {$300.00} prepayment fee, predatorily charging me for *giving them* money. This prepayment fee was never properly disclosed to me during the signing of my auto loan. My new lender was unable to send a full XXXX payoff amount with the inclusion of the {$300.00} fee, so I am having to write a personal check to cover this exorbitant and unethical fee in order to refinance. M & T bank stated that the fee was an agreement with the auto dealership ( XXXX XXXX, KY ), and would not remove it - despite the fact that M & T is the entity collecting my money. I am disgusted with this predatory practice of not properly disclosing prepayment fees on loan signing and charging such a large sum of money for me to PAY OFF MY OWN LOAN. This is predatory.

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 2022-03-28 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: Fidelity National Information Services, Inc. (FNIS)
State: WI

Complaint narrative:
There is a inquire on my credit report from Chex System that I never made and that was never mine. 
Inquire name : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, WI Date XX/XX/2021 I never was in XXXX I never made this inquiry or even opened a account with this company.

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 2022-03-28 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: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I received information from XXXX, XXXX, & XXXX that this creditor has verified that the account they are reporting under my name is accurate. 

But, I requested the description of the procedure used to determine the accuracy and completeness of the information, which I have not received. I requested this information and still have not received any documentation on this creditor to verify this is my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
I was enrolled in a settlement plan that would resolve 50 % of my debt if I made XXXX on time payments of set amounts. I have requested written documentation and documentation sent via email on XXXX separate occasions before closing. I was told that a letter verifying the settlement was sent on XXXX of those occasions and the letter was never received. I have confirmed my address multiple times and I'm still receiving bills from this company. I made my final settlement payment in early XXXX and they are still refusing to send me email confirmation of the account closing but have supposedly sent out another letter.

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 2022-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA

Complaint narrative:
Was sent a collection of date to verify within 30 days in XXXX of XXXX from Evergreen Professional. Sent letter out XXXX the week of XXXX - XXXX. to verify the debt. I had waited over 60 days to get letters from Evergreen Professional that it was valid of not and had not heard from them. Certified mail card that I wanted signed to get back to me was signed on XX/XX/XXXX by " A ''. 

By the over 60 date mark of not hearing back - I sent a letter that they must terminate the collection because it wasn't validated and included the estoppel by silenced and since no such proof existed- they had to delete all of the collection debt they requested in the first place. That was signed by " A '' once again on XX/XX/XXXX. They had 15 days ( calendar ) to do so. 

I haven't heard from them until they sent a letter basically requesting that they haven't heard from me and now assume the debt is valid and if I didn't respond by XX/XX/XXXX that they seek the legal representation route. I'm in the process of sending everything I sent them ( copies ) with the fact that I've reported them to CFPB, FTC and kept my documents just in case it goes further. 

I haven't seen anything from them saying its my debt, the bureau 's didn't even send anything towards me either and I have reached out many times to them to validate it. I even have notes on the debt that is getting reported that I'm seeking validation on the so called debt I owe.

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 2022-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Bureau of Jamestown, Inc.
State: NY

Complaint narrative:
These constant calls are invading my life, I asked them to stop calling me and they will not stop harassing me. It has affected my quality of life, the company in question has not gone through the correct channels to even validate this debt, they have no written statement from me claiming this debt nor can a signed contract be used as a debt validation. This has affected me and my family greatly. I believe this goes against the No Surprises Act, to furnish information to credit bureaus about such invalid debts, the company in question may face significant legal liability under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I received information from XXXX, XXXX, & XXXX that this creditor has verified that the account they are reporting under my name is accurate. 

But, I requested the description of the procedure used to determine the accuracy and completeness of the information, which I have not received. I requested this information and still have not received any documentation on this creditor to verify this is my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Recovery Systems, Ltd
State: IN

Complaint narrative:
XXXX was given my medical insurance information on three occasions over the past 3 years. They refused to contact my insurance company and stated that I still owed them money that would have been covered by insurance. I am frustrated because as soon as I thought this was settled I got another letter from them and then another. I gave them the correct information on more than one occasion and they have no right to collect a debt that I do not owe. Furthermore, Nationwide Recovery systems has no right to file this with my credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: CL Holdings LLC
State: GA

Complaint narrative:
I sent in my written disputes to cancel every collection account that appears on my credit reports. According to the Fair Credit Reporting Act sections 609 and 611, all of these collection accounts shall be removed from all of my credit reports.

Company response to consumer: Closed with explanation