vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-15 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: MD

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 XXXX has me at a score around XXXX. 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: MS

Complaint narrative:
In accordance with The Fair Credit Reporting Act, the following list of accounts have violated my consumer rights to privacy and confidentiality. They have also violated reporting laws within the FCRA. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX. XXXX XXXX - ACCOUNT # XXXX has violated my rights XXXX. XXXX - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX - ACCOUNT # XXXX has violated my rights XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX. XXXX - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX XXXX - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX - XXXX  # XXXX has violated my rights XXXX. XXXX XXXX - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX - ACCOUNT # XXXXhas violated my rights XXXX. XXXX XXXX - XXXX  # XXXX has violated my rights XXXX. XXXX - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX XXXX XXXX XXXXXXXX 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 : States a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waterfall Revenue Group
State: DE

Complaint narrative:
I have been a victim of identity theft since 2012 the person even tried to file taxes in my name irs has even investigated and has acknowledged I was a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Business Bureau
State: IL

Complaint narrative:
On XX/XX/XXXX as I monitored my XXXX credit report I notice a collection from MED BUSI BUR that I am not repsonsible for. I believe I am a victim of Idenity Theft. I have sent request to transunions, XXXX and XXXX and have not recieved updated information. Below is documention of the transaction. 

MED BUSI BUR Original creditor : XXXX XXXXXXXX XXXX Balance details 0 % of this account is paid off Balance {$72.00} Balance updated XX/XX/XXXX Original balance {$72.00} Since this collection account 's original balance was less than {$100.00}, it isn't factored into your XXXX Score XXXX. 
Account info Account number XXXX Date opened XX/XX/XXXX Account type Open account Status - Status updated XX/XX/XXXX Payment summary No payments have been reported on this account. 
Comments Placed for collection Your statement - Contact info Name MEDICAL BUSINESS BUREAU Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: TX

Complaint narrative:
I previously requested that you provide original contracts for the items that I previously disputed. I have reason to believe they have illegal collection fees not explicitly agreed to or expressed in my original contract with the original merchant. 

Please DELETE any accounts that you can not provide the original contracts for that show the lawful collection fee amount. 

XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX {$810.00} XXXX  XXXX {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
Affirm credit financed an item for me from XXXX the order number from XXXX was XXXX. The package from XXXX never arrived, although tracking shows it was delivered, I never received the package. I asked XXXX to help but they refused saying the packaged was delivered and i need to dispute the item as not received with Affirm. {$440.00}. So i finally disputed the item as not received with Affirm and i immediately got an email that says even though i disputed the item as not received with affirm their is nothing they can do because they must always follow and do anything XXXX tells them. This is ridiculous I do not have a valid loan with affirm because i never received the item. So i have no merchandise but yet I have a loan with affirm and they refuse to help in anyway and they have also threatened if i miss one payment they will ruin my credit for life. I am being blackmailed by affirm. I do not have any merchandise but they are charging me for it and refuse to help or investigate. I want this loan account cleared and marked paid in full because I DO NOT HAVE THE MERCHANDISE. Attorney general is also being contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
There was a family member using my social security number and name opening credit card account. 


I did open the credit card but was stolen by a family member.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: IL

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 n 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 old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-09-15 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: IL

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  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I currently have an Ulta store account. I have never changed the process and how I made my payments to them. Ive never opened a second account, Ive always just had one account with XXXX. Two months ago for some reason they credited my payment to a different account and sent me two different statements showing both my current account and the closed account with now a - {$40.00} in the balance. Meaning that I over paid by {$40.00} on an account that doesnt exist. Ive talk to Ultas customer service to try to remedy this and get my {$40.00} back. I show my bill pay as successfully sending XXXX a payment. I have a statement from XXXX showing that they have a closed account with me that has a {$40.00} balance in it that is owed to me. Yet I can not get anyone at XXXX to refund that money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-15 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: MI

Complaint narrative:
Concerning complaint # XXXX filed on XX/XX/2022, Experian claimed XXXX XXXX  account hd been reported timely. I am asking for Experian to answer the following questions. XXXX. What date did Experian receive the AUD from XXXX for the XXXX, XXXX update? XXXX. What date did Experian report that information from XXXX to update my credit report. XXXX. Did Experian calculate the XX/XX/2022 information with the credit score they reported. I find it difficult how my credit to ratio dropped from 70 % to 47 % once the new balance from XXXX posted, yet incredibly my credit score stayed the same at 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 2022-09-15 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: OH

Complaint narrative:
In accordance to the Fair Credit Reporting act XXXX  account XXXX XXXX # XXXX has violated my rights. 

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

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

Listed are some additional convergent accounts that violated my rights, XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-09-15 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:
I previously requested that you provide original contracts for the items that I previously disputed. I have reason to believe they have illegal collection fees not explicitly agreed to or expressed in my original contract with the original merchant. 

Please DELETE any accounts that you can not provide the original contracts for that show the lawful collection fee amount. 

XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX {$810.00} XXXX  XXXX {$790.00}

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 2022-09-15 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: EdFinancial Services
State: WI

Complaint narrative:
After the announcement of potential student loan forgiveness, I requested a refund of payment of {$14000.00} with EdFinancial on XX/XX/2022 as I made payments during the covid waiver I am eligible for forgiveness. I called back on the 31st to get an estimate for the timeline of refund, and they told me it would be about 150+ days for a refund. I told them that is too long as the forgiveness application is set to open in XXXX and I'm assuming it may take a few weeks to process that already. I also told them that this is past the no interest rate in XX/XX/XXXX so while I wait for forgiveness I would accure interest. They basically told me too bad and I would be responsible for interest past XXXX. Interest would be added DAILY even though I already paid off my loan. I don't quite understand how it would be responsible for interest to accure when I can't even see the balance or make a payment and yet would be getting some of this forgiven. This request should not be taking over 150 days as other loan services are about a few weeks compared to EdFinancial. I should be able to get a refund, apply for forgiveness and pay back the remaining balance without interest. Add this all to they recent databreach to this company in the last few weeks and this company fails to give me confidence about anything they do. EdFinanciall fails to process refunds in a timely matter, has poor customer service, poor data practices, and says I could potentially pay interest for a loan I already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
In early XX/XX/XXXX, I ordered a XXXX XXXX through XXXX and secured financing through Bank of America. 

The day of delivery, XXXX cancelled the order bc the vehicle failed Maryland XXXX XXXX. I then called Bank of America to inform them the purchase fell through. They stated that XXXX would need to pay back Bank if America for the disbursed loan. 

I called back and was assigned to the Bank of America Research team. They and I three way called XXXX. XXXX confirmed that they never received the loan funding check. The research team then confirmed that the loan check was never cashed. They assured me I would not have to pay and the loan will be closed. 

Today, XX/XX/XXXX, a rep at Bank of America told me that they cant close the loan until XXXX pays them back. I explained the check was never cashed, they then would not transfer me to management and said Id have to wait for a call back several hours later. 

Follow this link to see that this car is still for sale by XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX The car we were set to buy is currently still for sale by XXXX. We have a car loan for a car we dont have and do not own.

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 2022-09-15 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: MI

Complaint narrative:
On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
Transunion and XXXX are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX XXXX XXXX  and accounts.My credit report is still reporting XXXX XXXX XXXX XXXX XXXXXXXX. 
This has caused me tremendous XXXX XXXX, and financial hardship.

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 2022-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: MI

Complaint narrative:
We entered into a mortgage with Loan Depot for our home. We own 3 parcels of land. 
Our Home is on XXXX XXXX XXXX XXXX. XXXX XXXX is where our Apartment Building is and is separate from our home. Loan Depot included all three parcels on our loan description ' The apartment has a different address than our home and Loan Depot mistakenly included all three parcels on our mortgage dated XX/XX/2021. We have applied for a loan from a different institution for our apartment building and can't get a loan closed because of the mistaken description. XXXX XXXX has tried to correct this problem with Loan Depot, and they have not released parcel 1. We are in limbo, with nothing being done by Loan Depot.

Company response to consumer: Closed with explanation