vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-20 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, 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 XX/XX/22 XXXX XXXX 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 2022-11-20 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: Medical Society Business Services, Inc.
State: CA

Complaint narrative:
Greetings to all at the XXXX. Thank you for your service It has come to my attention that a private company called XXXX XXXX XXXX XXXX is committing many crimes against my estate and my name. 
My question to the CFPB is, how can a 'private ' for profit company be allowed to obtain my personal information without my knowledge, written consent, or a court order? Does the CFPB allow companies to do as they please? I have requested that XXXX XXXX XXXX provide to me a proof of authority that allows them to Purchase and collect the information of XXXX XXXX without a license at CALIFORNIA where I live, my written consent, or court order. This is clearly identify theft by corporate bullies. I am unable to obtain goods for my household. This has to stop. I am asking that the CFPB regulates the false and deceptive business practices of the XXXX XXXX XXXX XXXX. This is devastating to my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: Merchants' Credit Guide Company
State: CA

Complaint narrative:
Greetings to all at the CPFB. Thank you for your service It has come to my attention that a private company called Merchants Credit Guide is committing many crimes against my estate and my name.

My question to the CFPB is, how can a 'private ' for profit company be allowed to obtain my personal information without my knowledge, written consent, or a court order? Does the CFPB allow companies to do as they please? I have requested that XXXX XXXX XXXX provide to me a proof of authority that allows them to Purchase and collect the information of XXXX XXXX without a license at CALIFORNIA where I live, my written consent, or court order. This is clearly identify theft by corporate bullies. I am unable to obtain goods for my household. This has to stop. I am asking that the CFPB regulates the false and deceptive business practices of the Merchants Credit Guide This is devastating to my family

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KeyBridge Medical Revenue Management
State: MI

Complaint narrative:
During a previous ER visit and getting test done XXXX failed to submit ALL the required paperwork to my insurance provider. I finally tracked down what the insurance company was looking for and ensured they received the proper form. They reprocessed the claim and paid what was allowed. Then yesterday I received a letter from KeyBridge collection agency stating I still owed {$67.00} which I don't feel is correct. I've already paid out of pocket over {$800.00} for this same claim and would like to know why they are still seeking more payment???

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 2022-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Credit Karma, LLC
State: TN

Complaint narrative:
Between the months of XX/XX/XXXX to XX/XX/XXXX Credit Karma has been sending me notification from their websites stating that I was preapproved for XXXX credits, cheaper auto loan refinance and a personal loan for up to {$5000.00}. I applied and has been denied from all of them. I have been stressed and at those times I really needed the money. This has caused harm to my credit report and has cause me to accrue more damage to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Greetings to you ; Please be advised, that I XXXX XXXX have tried on multiple occasions to dispute the inaccuracy of this account being negatively reported on my credit reports with EQUIFAX ; This account in question IS NOT THE CORRECT AMOUNT Being reported ; my son XXXX XXXX XXXX is now XXXX XXXX XXXX XXXX ; has been XXXX  as of XXXX  ; and his current XXXX is passed the XXXX XXXX limit to collect child support in the state of New York! 

In quoting ny.court.gov in which it clearly states : " In New York State, a child is entitled to be supported by his or her parents until the age of 21. However, if the child is under 21 years of age, and is married, or self-supporting, or in the military, the child is considered to be " emancipated '' and the parents ' support obligation ends. '' However, NYS DEPT OF SOC. SVC. CHILD SUPP AGENCY is Still attempting to collect child support illegally, and thus continuously reporting illegally to Equifax despite my many attempts to resolve this matter. 

Equifax has Failed to provide me PROOF that this account is 100 % accurate and the amount reported on my credit file is 100 % Accurate according to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), in which it states you are required by federal law to verify the accuracy of any reporting to my credit files, if disputed by a consumer, within 30 days. 

If this account ending in XXXX can not be verified as being accurately reporting with accurate amounts being listed as owed, It MUST be removed according to Fair Credit Reporting Act. and 15 US.C Sec. 1681 ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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, 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 XX/XX/XXXX XXXX XXXX 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 2022-11-20 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, 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 instruction
s XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Please reference Complaint # XXXX... 

I continue to have concerns about Wells Fargo 's handling of my Credit Card applications. Although the latest set of concerns were shared w/ Senior EVP and CEO of XXXX XXXX XXXXXXXX XXXX XXXX via formal letter on XX/XX/22, I'm yet to receive a reply. 

A copy of my XX/XX/22 letter to XXXX XXXX is attached.

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 2022-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a request for unautorized inquiries to be removed, and they have not been removed INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I DID NOT authorize : XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XX/XX/2022 XXXX. XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX. XXXX XX/XX/2022 XXXX. XXXX XXXX XX/XX/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 2022-11-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a request for unautorized inquiries to be removed, and they have not been removed INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I DID NOT authorize : XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XX/XX/2022 XXXX. XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX. XXXX XX/XX/2022 XXXX. XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-11-20 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I previously filed several complaints with CFPB for other issues with Chase, for example a checking account, they mishandled my paycheck on more than one occasion, ie holding funds that had been verified, therefore causing a number of subsequent issues ( bill payments bouncing, not having availability to my funds at the date it was said to be available, charging fees, etc. ). When my funds finally became available I immediately moved it to a new bank and Chase attempted to reacquire to be spiteful and without my consent. I blocked them ... My new bank alerted me, honored the rules, but I had to go to my new bank to fill out a form stating Chase attempt was not approved and they could not withdrawal from my account without my written consent, ever. 
Since that time Chase continues to retaliate against and attempt to bully me for the complaints I have filed with CFPB, by closing my credit card ( XX/XX/2020 ) for no valid reason ( gave me several different reasons over several unnecessary phone calls and messages ), causing " glitches, '' therefore making extra work for me to do, compounding interest and reporting incorrectly to all three credit bureaus. 
Since closure, I have paid this card as agreed, on time and in full ( {$2700.00} XXXX XXXX ), however Chase is continuing to report as active account, charging fees they are not entitled to, compounding interest ( interest charged is the same amount now as it was when the account was open ) and reporting the limit too high ( {$2500.00} is what I agreed to and had ). To my understanding this violates several laws ... Fair Credit Reporting, attempt at theft, etc. 
I held on reporting this until now for four main reasons 1. I did not catch how they were reporting until 4 months ago 2. I keep trying to give them the benefit of the doubt they will act accordingly, they wont obviously 3. I paid/closed my auto loan account and wanted to make sure they could not retaliate further for this one and mess something up. 4. I am tired/lost patience a long time ago for the games they play They made this personal. It is pathetic and a waste of my valuable time to keep contacting CFPB to reprimand Chase. Chase has to follow the rules they are bound to, remember it is not their money we allow them to handle and just because they have a lot of money/power they can not just do whatever they want. 
I am not the only person I know of them doing this to. 
Chase need to be slapped just as XXXX XXXX was recently : ) Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: MOHELA
State: NY

Complaint narrative:
I currently have 100 payments counted toward PSLF forgiveness of my Federal Student Loans per my servicer MOHELA as a result of submitting a TEPSLF form to my former servicer XXXX  on XX/XX/XXXX. I have submitted an additional employment verification form to MOHELA on XX/XX/XXXX for this year hat would add 11 additional payments toward PSLF loan forgiveness. It has not been processed as of yet. 

Additionally, the US Department of Education also announced that Forbearance periods now count toward PSLF forgiveness as well & that a one time recalculation of past payment history is to be done by the Department of Education that will include forbearance periods as qualifying payments toward PSLF forgiveness. 

I have tried calling MOHELA to get them to process my most current XXXX employer verification form 3 times last week and to explain that my loans were effectively paid up because of the forbearance change and demand that my loans be forgiven, but the wait times exceeded 5 hours - effectively not taking the call. 

I also submitted a complaint to the Federal Student Aid Ombudsman asking for them to intervene and get the US Department of Education to update my payment history with qualifying payments during forbearance periods and get MOHELA to process my XXXX employee verification form and forgive my loans as I have more than 120 payments. They responded by sending me an email stating that PSLF is eligible to direct loan borrowers only - which did address my complaint at and offered no resolution. 

I am entitled to forgiveness of my student loans as I have 100 payments counted already, 11 to be counted as part of my XXXX employer verification form and an additional 24+ payments that should be counted as I was in an administrative forbearance since XXXX as I have a Borrower defense to repayment claim pending at the XXXX Department of Education that has still not been resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: CA

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

XXXX XXXX XXXX section XXXX A. XXXX i have the right to privacy. 

XXXX XXXX XXXX section XXXX A Section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: CA

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

XXXX XXXX XXXX section XXXX A. XXXX i have the right to privacy. 

XXXX XXXX XXXX section XXXX A Section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-20 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: TX

Complaint narrative:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, XXXX and transunion did not modify or remove anything. So I asked for the description of the investigation according to 15 USC 1681i. I still didnt receive anything for XXXX XXXX XXXX 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 2022-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a request for unautorized inquiries to be removed, and they have not been removed INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I DID NOT authorize : 1. XXXX XXXX XXXX XX/XX/2022 2. XXXX XX/XX/2022 2. XXXX XXXX XX/XX/2022 2. XXXX XXXX XX/XX/2022 2. XXXX XXXX XX/XX/2022 2. XXXX XXXX XXXX XX/XX/2022 2. XXXX XXXX XXXX. XXXX XX/XX/2022 8. XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: NC

Complaint narrative:
I RECENTLY REVIEWED MY EQUIFAX CREDIT REPORT AND I NOTICED INACCURATE INFORMATION BEING REPORTED. I NEVER AUTHORIZED THE BELOW INQUIRIES. THE FOLLOWING NEEDS TO BE REMOVED IMMEDIATELY : XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX # XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 For XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC
State: MI

Complaint narrative:
Today is XXXX day of XXXX year 2022 MONTEREY FINANCIAL SERVICES LLC per last communication via cfpb complaint stated that they were going to continue reporting on my consumer report which I never gave your company consent to furnish anything on my consumer report which is a violation of the FDCPA FAIR DEBT COLLECTION PRACTICES ACT I do Not have or never had any written/signed contract with MONTEREY FINANCIAL SERVICES LLC and if you believe I do produce a contract between your company and me the ( consumer ) that gives you the authority or grounds to collect a debt from me. Your company was never allowed to contact me nor purchase my information because I never gave your company permission or my written consent your company must have prior consent given directly by me the consumer pursuant to 15USC 1692c ( a ) MONTEREY FINANCIAL SERVICES LLC used threats in the initial complaint by stating they was gone keep reporting non validated information on my consumer report which is a violation pursuant to 15 USC 1692d ( 1 ) and ( 2 ) to harm the consumer physical reputation by charging interest as I see on my consumer report by your company as well as using obscene and profane language thats another violation. On the packet of your company sent the consumer on XXXX XXXX shows a symbol of a tree which is also a violation pursuant to 15 USC 1692b ( 5 ) this what tells me your a debt collector. The first communication via telephone call made to the consumer your company also stated that this was a attempt to collect a debt which is also a violation pursuant to 15 USC 1692b ( 3 ) I can go on how your Company is violation my rights as a consumer in attempts to collect on an alleged debt. After your company received the cease and desist pursuant to 15 USC 1692c ( c ) ( 1 ) etc but MONTEREY FINANCIAL SERVICES LLC fails to abide by federal law and continues to violate the consumer. I do not wish to call your company because theres is really nothing to talk about or settle as far as me being the one paying cash for an alleged debt. I demand your company to stop furnishing on my consumer report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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:
The three consumer reporting agencies are reporting false and inaccurate information on my credit report. I requested verification and received a response that an investigation was done and that the debts are verified. I never received proof of an investigation which I requested. The debts are still reporting inaccurately The accounts are XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX

Company response to consumer: Closed with explanation