vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-10 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Per tracking, Its been XXXX months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act on XX/XX/XXXX XXXX Convergent Outsourcing 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 In accordance with the Fair Credit Reporting act on XX/XX/2020 XXXX XXXX XXXX, Acount # 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 2022-03-10 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act on XX/XX/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 In accordance with the Fair Credit Reporting act on XX/XX/2020 XXXX XXXX XXXX, Acount # 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 2022-03-10 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: AES/PHEAA
State: NJ

Complaint narrative:
I received a qualifying payment letter on XX/XX/XXXX from FedLoan Servicing ( Account Number : XXXX XXXX XXXX ) that says they have evaluated my payment counts under the Waiver for PSLF when they clearly have not. Here is a quote from the letter and I will attach a copy : " Good to Know! The charts above display the total number of eligible and qualifying payments you have made ( out of the required 120 ) on your eligible loans for PSLF and TEPSLF, including any periods we have assessed as eligible or qualifying under the Limited PSLF Waiver '' I know the waiver has NOT been applied because I have at least 180 payments on loans from XXXX and at least 132 from loans dated back to XXXX. I do understand that the program began in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc.
State: NY

Complaint narrative:
XX/XX/XXXX contacted company after receiving complaint response.. 

As stated in previous complaint : XXXX I updated my email and mailing address with the debt collections company so they can send me the validating correspondence I was looking for before making a payment. They failed to do so they attempted to mail multiple addresses the correspondence but failed. The correct address is listed on my account with them but they failed to send me the validation letter within 30 days of speaking to me to the correct address. They stated so as well in there complaint response that I put in XX/XX/XXXX. Never did they list the address I gave them only the addresses that got forwarded back to them. They never attempted to contact me because if they had they would of sent the validation letter to the mail address given which has been the same since XXXX... I told XXXX the Surpervisor that the company failed to do their due diligence In order to get the account validated and paid. If they would of mailed the correspondence to the address given this would of been avoided. 

Than I attempted to settle the account with a percentage and he refused and stated they dont settle accounts even though in XXXX when I called in they stated I could.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I opened an account with CREDIT ACCEPTANCE CORPOR ( Account # XXXX ) on XX/XX/2018 for a car loan in they amount of {$15000.00}. I was renting the car out and it kept getting impounded. I no longer was able to maintain the car. I called CREDIT ACCEPTANCE CORPOR and explained to them the sittuation. They told me they was going to pick up the car, sell it, and let me know what was the diffrence in the balance. Time so like 6 months pass by and I have not heard from them so I gave them a call, and they told me that they changed their minds and never went to pick up the car niether did they notify me of their actions and I was lost. The car was lost in the pound and they refuse to take accountablity for there actions. It is huge problem for me as it has a negative affect on my credit report. When investigating just play the phone calls as they are recorded, and all of the evidence is there.

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 2022-03-10 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: NY

Complaint narrative:
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions EXPERIAN refuses to investigate or state methods of investigation to ensure accurate information is being reported. Experian will prefer for all consumers to take legal action rather than reporting correct information. 


CFPB it appear your organization also is allowing these credit agencies to ignore your policies when it comes to protecting consumers.

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 2022-03-10 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
To Whom It May Concern : I've contacted XXXX XXXX XXXX on several occasions regarding negative information they've reported to the credit bureaus. The derogatory information that they are reporting is a charged off with a high credit amount of {$470000.00}. I've never signed a contract with XXXX XXXX XXXX and I've never done business with them. This reporting is erroneous and I've challenged the accuracy, compliance and reportability of this listing. I've asked XXXX XXXX XXXX to please validate this information and provide me with copies of any documentation associated with this account, bearing my signature because this is not my account.

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 2022-03-10 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Applied for a higher line of credit was denied due to a report from transunion, enclosed please find letter from bank and copy of XXXX from XXXX XXXX..XXXX  XXXX, XXXX XXXX and yet transunion XXXX, XXXX points were taken off with no expanation.I have never had a late payment with a 94,000 credit limit.Transunion has been doing this to me for months.compared transunion and XXXX credit reports identical nothing different on any account.

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 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I was added as an authorized user on a credit card, without being made aware. With that being said this credit card is grossly over used and has a very high balance. The card companies name is JPMCB Card Services, with this credit card and its high balance, my credit score is being affected negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
In XX/XX/2021 I walked into XXXX dealership in XXXX Fl. I was informed that my lease was being held up due to the previous loan company not giving them a payoff figure. This loan was held up due to the dealership delaying this process. The general manger was very unprofessional with my contract. this company withheld this account from processing without my knowledge this was the hardship from the dealership to their finance company. 
XXXX XXXX and XXXX XXXX have reported this account as delinquent with additional late fees and insufficient fees and posting my payments later than. 

I have been back and forth with them and they took ownership of the first payment of and corrected only the first payment. This account shows up delinquent on my report monthly I have been hung up on from the finance company and they original manager Who stated they were in the wrong and they will fix it has been transferred to another dealership in Alabama. The General manager has just been rude and unprofessional sending tow truck company 's to sit out side of my home to intimidate and him calling from a company cell phone. 

My bill has been paid every month their is no grace period on the account I have exhausted all areas of communicating this continuous problem. its abusive due to their error the account is posted every month delinquent the additional fee 's are being intentionally posted to issue me as a bad payer. 
Please assist me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Foris DAX, Inc.
State: VA

Complaint narrative:
On XX/XX/2022, {$100.00} was debit it from my XXXX XXXX  Debit Card from the Crypto.com exchanged. The money was taken from my checking account, but it was not credited to my XXXX wallet on Crypto.com. so I have sent a message to the Crypto.com team to inform them of this transaction. They have worked continuously for a few days to try and figure out why it did not post to my account, they was able to see that the transfer was completed, but did not post, so on XXXX XXXX, Crypto.com asked me to contact XXXX XXXX to try and get this transaction reversed and sent back to my account. Then on XXXX XX/XX/2022. My Crypto.com debit card was blocked as well as my crypto.com app to purchase and sell crypto. I had no knowledge or notification that I was going to have restricted access, this was because of the case, I have requested on XXXX XXXX. They have received notification from XXXX XXXX in regards to the XXXX XXXX situation, and now they are asking me to request a cancellation letter from XXXX XXXX XXXX XXXX, before they could unlock my account. XXXX XXXX is not aware of this procedure and they have been willing to help me retrieve my money that was taken from Crypto.com. My account as well as my Crypto.com card is still restricted. I have over 1500.00 in assets with this Crypto exchange now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My Identity has been stolen. By whom I do not know. I signed up for credit monitoring that was offered because of the breaches. When reviewing my credit reports there were credit cards listed for Bank of America on my credit report. I called Bank of America on multiple occasions requesting information pertaining to the accounts on my credit reports. In return Bank of America send correspondence that the accounts can not be verified then resends correspondence when requested again with different account numbers. I made a police report, added a fraud alert on my credit reports. 

I sent Bank of America bank via certified mail which has been received and the signature card returned to me that validates that it has been received although they have done nothing to resolve this issue. Instead, I received correspondence with different account numbers. I requested the original credit applications which can not be produced. I received an email from Bank of America to call a Fraud resolution agent. I called he did not return my call, I sent an email I did not receive a response. I called today the fraud resolution at the number provided in the original letter and the call does not allow me to enter the extension to speak to the agent. I called the 1800 number for Bank of America because I do not have the full account number for the credit cards opened using my name I am unable to speak to someone. The automated recording hangs up. 

I am attaching documents to validate I am a victim of Identity theft, Bank of America has done nothing to assist me in resolving this issue except change account numbers and report information that is not mine, inaccurate to all three credit reporting agencies. This is identity theft that is a serious matter and Bank of America continues to ignore the issue. 

I am a victim of identity theft. Bank of America continues to ignore this serious situation, has not provided the credit applications for ALL the numbers pertaining to the correspondence I have received. Instead, the numbers are consistently changed and reported to the credit reporting agency that is inaccurate. Bank of America has tarnished not only my credit and now is affecting my health. Bank of America is trying to cover this up and is reporting false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I found inquiries in my account that i have no idea of, nor did i ever allow to be there. I asked the bureaus to removed them a couple of times but thay just so stern and kept them there. Now my scores are hurting because of this. Please help me remove them.

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 2022-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Dear Sirs, I am an US citizen studying XXXX XXXX at the XXXX XXXXXXXX present. I am low-income, XXXX, with XXXX foster kids, and a XXXX business ( Screenwriter ). Yesterday there was a remote meeting with the the XXXX XXXX in XXXX. He advisesall US citizens to leave XXXX.I have problems checking my credit report and score from XXXX, XXXX  ( even throughXXXX ), as the credit cards issued by the XXXX  banks will not work in the US and I need a credit card. I have mailed in all the copies of my documents as per their instruction on the site, but they did not answer. All my accounts should be closed and in good standing. I have the latest report for XXXXMy FICO XXXX scoreshould be around XXXX / XXXX of XXXX ; PLUS of XXXX XXXX / XXXX of XXXX. When I return to the US I have to be sure that all my accounts are in good standing and my score is high.I also have all the personal information on people who know my SSN.What should I do in this situation? I would highly appreciate you kind help with this matter and prompt reply. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On the XXXX Day of XXXX I went to XXXX XXXX XXXX XXXX I was told on my credit report I have numerous alias names, like XXXX XXXX XXXX or XXXX, what kind of nonsense is this. This is not me, nor has the Credit Bureau reached out to me, or proven who this person is. I also was told I have numerous addresses that are incorrect and my job information is incorrect. I have called Experian at # XXXX and XXXX XXXX. 
I have been calling this number for 4 days to no avail. I have never used any of these names in my entire life. I have even found accounts of men posing as me on my credit profile, I found one of them on XXXX, drinking champagne bragging about finessing older women out of their information online. I even wrote countless letters for these items to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX DL # XXXX XXXX XXXX SS # 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 2022-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AES/PHEAA
State: AZ

Complaint narrative:
I am trying to get a mortgage and my Federal Student loans are still showing on Fedloans and Studentaid.gov as owing. However on XX/XX/2022 Fedloans sent me a letter showing that I have qualified for the complete Public Service loan forgiveness. It's been over half a month and nothing is changed. On top of this my credit report is showing I have a over {$500.00} payment due to Fedloans. Which is not true..

Company response to consumer: Closed with monetary relief