vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-17 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the accounts listed below. These accounts are not accurate or correct. I would also like for the bureaus to provide the procedure used to verify these inaccurate items. 

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX Account Number : 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 2022-10-17 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: PA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I have been trying to get a refund from Aidvanatage for the last several months. I made the refund application the first day and was told 4-6 weeks, which was for the amount of $ XXXX. We are well past this mark now and I have reached out every week asking about the status of my refund, whether it is approved, and how much time is left till I should see it back on the student aid website. Every time I call I see to get different answers on how to proceed or if I should see it by X date. I feel like no one knows over there and they are just saying things to get me off the phone. I now call every week to see if I get someone competent answers and is able to help me. It shouldn't be this hard to check the status of the refund, seeing the status on my account or a simple email update telling me they actually did it and did it right would help more than they do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NY

Complaint narrative:
Im reaching out as Im concerned my federal loan servicer FedLoan Servicing is not providing sufficient information and action to ensure eligible borrowers can take advantage of the incredible one-time opportunity for student loan forgiveness. 

I paid off my student loans in full during the COVID payment freeze. 

On XX/XX/2022, upon learning of the forgiveness program including the possibility for borrowers to receive refunds for payments made during the COVID freeze I contacted FedLoan Servicing. At this time, the loan provider discouraged me from requesting a refund to reinstate my loan, as they did not think reinstated loans would be eligible for forgiveness. 

When additional guidance from the Department of Education and news articles exploring this issue were released, I re-called FedLoan Servicing on XX/XX/XXXX. The loan provider quickly confirmed that I was eligible for a refund and processed my refund of {$19000.00}. They told me the processing time would be two weeks to 6 months. 

On XX/XX/XXXX, I called FedLoan Servicing to ensure my XX/XX/XXXX request was processed. The representative could only tell me she saw the request in the call notes and could not provide me with any additional information. 

This leaves me with great concern that FedLoan Servicing is not prioritizing these requests to process loan refunds and reinstatements so borrowers can qualify and get benefits for loan forgiveness. 

I am seeking assistance to expedite this process to ensure I can have my loans reinstated in time to apply for forgiveness before the XX/XX/XXXX deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
I have been going back and forth with American Express on a Fraud claim since the end of XX/XX/2022. I had hired a freelancer to help with XXXX ads back in XX/XX/2022. I stopped doing business with them in XXXX. In XXXX, I started receiving a big increase in XXXX ads I did not authorize on my Amex XXXX card. I contacted the freelancer who kept promising a remedy. The charges kept going. I did not dispute since I was hopeful the freelancer would remedy and I would not have to risk getting my card cancelled. I ended up disputing fraudulent charges in the amount of {$270000.00}. 

When the freelancer stopped responding. I had to reach out to American Express and filed a dispute. They have been terrible to deal with. They rejected the fraud case twice and have not been in contact with me except one time to communicate reason why it was rejected. I have no choice now but to file this complaint since I did not authorize these charges and can not afford to pay them. XXXX has stated that my name and billing address were not on the account despite the fact that my card somehow went through.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My only identifying information is as follows : My address : XXXX XXXX XXXX XXXX, SC XXXX My name to : XXXX XXXX XXXX My social security number is : XXXX My correct date of birth is : XXXX As proof of my identity, I have included copies of my drivers license and a utility bill. I have also included a copy of my credit report with the information I am requesting to be verified and deleted. 


Address : XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX  XXXX, SC, 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 2022-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Hey all items been paid and full but still showing on my report. 15 U.s code 15

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 2022-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the accounts listed below. These accounts are not accurate or correct. I would also like for the bureaus to provide the procedure used to verify these inaccurate items. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : 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 2022-10-17 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the accounts listed below. These accounts are not accurate or correct. I would also like for the bureaus to provide the procedure used to verify these inaccurate items. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: IN

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
JPMC ( JP Morgan Chase ) has incorrectly marked my credit report as late : My credit score is still being impacted by JPMC. 

They claim I was delinquent on a car loan payment. I have always paid JPMC on time, and in full, via auto pay. They violated the fair credit reporting act, and never contacted me that they reported me for a late payment that is both false, and impacting my ability to borrow money. I have tried contacting them several times to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: NJ

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-17 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$180.00} Status Account charged off. {$180.00} written off. {$180.00} past due as of XX/XX/XXXX. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$350.00} Status Account charged off. {$350.00} written off. {$350.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$280.00} Status Account charged off. {$280.00} written off. {$280.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. 
XXXX XXXX XXXX negative Date opened XX/XX/XXXX XXXX {$19000.00} Status Open. 
XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$430.00} Status Collection account. {$430.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Collection account. {$1300.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$530.00} Status Collection account. {$530.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$640.00} Status Collection account. {$640.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$730.00} Status Collection account. {$730.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$660.00} Status Collection account. {$660.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$540.00} Status Collection account. {$540.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$770.00} XXXX XXXX account. {$15.00} 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 the following accounts are all fraud and need to be deleted from my credit file immediately.

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 2022-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: COMMUNITY FINANCIAL SYSTEM, INC.
State: VT

Complaint narrative:
On XX/XX/XXXX, I was charged {$36.00} for {$1.00} overdraft. Please remove overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-17 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: NJ

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-17 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: NJ

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: NJ

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I moved out of XXXX Apartments on XX/XX/XXXX. 

I lived there for a year prior to XX/XX/XXXX. I was living with girlfriend, my brother and his girlfriend. My girlfriend and I moved out and I was signed off the lease, I was given a form from the then staff at the apartment complex. The form I was given did not have the staff signature ; they signed the original and kept it. 

A new lease was started on XX/XX/XXXX, after I moved that was only signed by my brother XXXX and his girlfriend XXXX. I NEVER signed a new lease. It was after their new lease that started on XX/XX/XXXX that they got evicted in XXXX. Now they are stating I owe them. I do not, I wasn't living there after XX/XX/XXXX. 

I have gone to the apartment recently to get a copy of the lease and they themselves cant produce the lease. I spoke with the assistant manager XXXX XXXX I believe. I was told by her to ask for from the debt collector and they cant provide it either. 

I contacted the debt collector and have asked several times for a copy of the lease. They stated I signed and were able to see the lease but I know for 100 % fact I did not. I have been trying to get a copy of this said lease for over 5 months with no avail. They stated they mailed validation out but it was sent to the apartment complex not me. The only " validation '' I got was a itemized bill of the charged owed on XX/XX/XXXX. I received an email from XXXX XXXX and have since then emailed several times for the lease with no response. My last email request was XX/XX/XXXX and still with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX I received several emails from Bank of America about being approved for a checking account. When trying to call immediately no one at BOA would talk to me and said they would email paperwork to fill out to prove I am me. I went into a branch for assistance since they would not talk to me. She faxed over the info BOA emailed me with my IDS for verification and they said as of XX/XX/01 the account was frozen. I have since tried to make contact with reps at BOA who have no idea about the timeframe to review or could give any info. I requested no funds be allowed and the account to be closed however people continue to XXXX  money into this account. I now truly believe BOA is engaging in anti-money laundering and perhaps are the ones who opened a fraudulent account in my name. To date I have not received any letters from them regarding their investigation and have received terrible service and information when trying to call. I tried to go into the branch for help again and the branch does not know the process either and could not understand why they would allow funds to be deposited when I said this was fraud. My identity is important to me but clearly not to BOA as they allow illegal funds to be deposited in an account in my name that I never opened. This needs to stop and this account should be closed not frozen, or BOA should be investigated for not having a fraud process in place and allowing such a big bank to engage in fraud and not do anything about it.

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 2022-10-17 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: EQUIFAX, INC.
State: SC

Complaint narrative:
My only identifying information is as follows : My address : XXXX XXXX XXXX XXXX, SC XXXX My name to : XXXX XXXX XXXX My social security number is : XXXX My correct date of birth is : XXXX As proof of my identity, I have included copies of my drivers license and a utility bill. I have also included a copy of my credit report with the information I am requesting to be verified and deleted. 

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 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