vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: CA

Complaint narrative:
On XXXX, XX/XX/2023, I received a credit monitoring notification of a " major derogatory '' reported to the credit bureaus, in the form of " Collections '' on behalf of I.C. System, Inc. with an address of XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. The amount of the " major derogatory '' credit report Collections notification is {$630.00}. 

1 ) I was not made aware of the debt, and for {$630.00}, I could have paid the amount immediately.

2 ) I was not made aware of the debt having gone to collections ; again, I could have paid the amount immediately.

3 ) I was not provided due diligence in determining if the account is mine ; what company I owed money ( if a real debt ) ; nor an opportunity to dispute with the company and/or collection agency.

Under the Fair Credit Reporting Act ( FCRA ), the three ( 3 ) above mentioned points should have been provided.

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 2023-03-16 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: OH

Complaint narrative:
I sent TransUnion multiple letters ( affidavits ). The first letter was a Conditional Acceptance Letter. 
Even though I repeatedly wrote in the letter that it was NOT a dispute letter, they continued to treat the letter as a dispute letter. 
Not only did TransUnion not comply with my deadline, they also took longer than 30 days to investigate anyway! 
Mind you, dispute letters are to be investigated, Conditional Acceptance Letters are NOT. I provided the US Code that supported my demands but TransUnion completely ignored and did NOT acknowledge the US Code that I was enforcing over them. They need to be and should be abiding by the US Codes that governs them. They are violating the US Code that I provided, the FCRA and therefore they are violating my rights!

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 2023-03-16 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: LA

Complaint narrative:
In Accordance with the fair credit Reporting act XXXX XXXX XXXXXXXX XXXX  has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with my written instructions.

15 U.S.C 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
When I did have that account, I had a high interest rate which made no sense because at the time my credit score was fine enough to have a lower interest-rate so that means I had to pay more for my vehicle than I should have. I called the company and ask them if they could do anything and they told me that there is nothing that they can do, so I was forced to pay off my loan about a year later Im highly disappointed

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 2023-03-16 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: CT

Complaint narrative:
XXXX. XXXX XXXX account number : XXXX XXXX. XXXX  XXXX XXXX account number XXXX XXXX. XXXX XXXX  account number XXXX XXXX. I HAVE NEVER LIVED IN ANY OTHER STATE IN THE UNITED STATES EXCEPT CONNECTICUT. 

In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. In addition to the statement above, the information below is incorrect.

15 USC 1681 section 602 A state I have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681C ( A ) ( five ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items information, other than the records of convictions of crimes which antedates the report by more than seven years.

15 US C 1681s 2 ( A ) ( 1 ) A person shall not finish any information relation to a consumer reporting agency if the person knows or has a reasonable cause to believe that the information is an accurate.

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 2023-03-16 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: MD

Complaint narrative:
I am contacting you because I am concerned about the accuracy and honesty of your companys data. As per FCRA section 611, we must have accurate records on file with those who rely upon them most, including customers and potential lenders or employers.

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 2023-03-16 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: MD

Complaint narrative:
I am contacting you because I am concerned about the accuracy and honesty of your companys data. As per FCRA section 611, we must have accurate records on file with those who rely upon them most, including customers and potential lenders or employers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I called Mr cooper about trying to get out of covid-19 Forbearance It's been ready hard to make my monthly payments so after so long I was happy to be able to get back on track. After talking to customer service on a recorded line I was assured that the payments will not pass my monthly payment of XXXX and that all the money owned can be added to the back of my home loan and that there would be a Monthly trial period for the first 3 months that I would need to make on-time payments, I asked if it couldn't exceed my original monthly payment she assured me that they will not it would be low to help me get out of trial period. so I was approved for the trial by underwriting but it came back as XXXX cents which I can't make a one-time payment on, I asked if I can make two payments seeing that I get paid two times a month and they told me no and I can't make a one-time payment of XXXX cents so I can't get out of forbearance. I called them and explain the problem and was told that a manager will call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: CLGF Holdco 1, LLC
State: MT

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to request your assistance in regards to my credit report. There is an item on there that I would like investigated. 

Summary : I made a payment to my credit card company before the due date. The credit card company claims they did not receive the payment and charged off my account. However I have emails showing the due date, the scheduled payment date, and a pdf from my bank showing the ACH withdrawal. My account was charged off even though I made the required payment on the before the due date. 

Original Creditor : CB Indigo Bank aka Genesis FS Current owner of Debt : XXXX XXXX XXXX Amount owed as reported : {$300.00} XX/XX/2022 : I received an email from Indigo Credit Card Services informing me that I had a payment due on XX/XX/2022 for the amount of {$320.00}. 

XX/XX/2022 : I received another email informing me that my payment has been received and scheduled for XX/XX/2022 for the amount of {$320.00}. 

XX/XX/2022 : An ACH withdrawal was debited from my checking account for the amount of {$320.00} by Genesis FS. 

XX/XX/2022 : Due date, as referenced in the email. 

According to my credit report, CB Indigo charged off my account on XX/XX/2022. I never received a notice regarding this action. In fact, I was sent emails informing me of my next due date. 

When I tried to contact Indigo regarding this matter, they stonewalled me and told me they no longer had access to my files and therefore could not discuss this matter. My account should have never been sent to a debt collector. 

It is my belief that this debt violates my consumer rights according to the FRCA. I would like to request that this account be removed from my credit report. Each consumer is entitled to a fair and accurate credit report and this behavior by Indigo strongly violates these statutes. 

Thank you for your attention to this matter. Please let me know if there is any additional information I can provide to assist in your investigation. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC
State: OR

Complaint narrative:
I know for fact my XXXX XXXX report is XXXX fine good but this early warning systems is reporting XXXX information that is not even correct to prevent me from establishing checking account at any institution Ive never had bad check history of any time my life but this company has not sent me as requested this consumer report that is personal harming me directly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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, XXXX XXXX acct. # XXXX, XXXX acct. # XXXX, XXXX XXXX acct. # XXXX, XXXX XXXX. 
acct # XXXX, XXXX acct # XXXXXXXX XXXX XXXX XXXX acct. # XXXX, XXXX acct. # XXXX, XXXX XXXX  XXXX acct. # XXXX. 

15 USC 1681 Section 602 A states I have the right to Privacy.

15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: IL

Complaint narrative:
In accordance with the fair credit reporting act, XXXX XXXX acct. # XXXX, XXXX acct. # XXXX, XXXX XXXX acct. # XXXX, XXXX XXXX. 
acct # XXXX, XXXX acct # XXXXXXXX XXXX XXXX XXXX acct. # XXXX, XXXX acct. # XXXX, XXXX XXXX  XXXX acct. # XXXX. 

15 USC 1681 Section 602 A states I have the right to Privacy.

15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instruction.

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 2023-03-16 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: LEXISNEXIS
State: FL

Complaint narrative:
LexisNexis complaint XXXX. Written response from lender.. Dear Applicant : Thank you for your recent application. Your request for consumer credit was carefully considered, and we regret that we are unable to approve your application at this time, for the following reason ( s ) : Unable to verify identity Your Right to Get Your Consumer Report In evaluating your application the consumer reporting agencies listed below provided us with information that in whole or in part influenced our decision. The consumer reporting agencies played no part in our decision and are unable to supply specific reasons why we have denied credit to you. What it all boiled down to was this... .everything and I mean everything already passed underwriting! You may not get that now but that is the facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
Account control technology ( ACT ) was responsible for collecting my student debt since XXXX. ACT was transferred to Transworld system incXXXX in XXXX of XXXX, yet I never received a notification about the transfer until XX/XX/XXXX. I received a bill in the mail notification that I owed money to trans world systems on XX/XX/XXXX. I contacted them and they told me that they hadn't received a payment since XXXX of XXXX. I told them I was still paying Account control technology ( ACT ) ( I have bank statements to prove this ). When I attempted to login into my ACT account to switch payments to trans world inc, the portal no longer existed, yet my payments were still being sent to " ACT-TRUST '' yet the payment was not being applied to my loan amount. 

I contacted Transworld inc. about this, they told me I needed to contact my bank and report the problem that they could not fix it. This merger of accounts has been very frustrating and not good business practice. I have been charged additional interest on an account that was in good standing and being payed on monthly. This is theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/XXXX found out name was breached in XXXX Data Breach. I notified the credit bureaus, FTC ID Theft Affidavit was filed and was given a claim of the Breach. 

I sent out letters XX/XX/XXXX and to dispute the erroneous accounts, addresses, and names that proves it not mine and requested investigations and verify that all info on my report are correct and accurate. 
According 15 USC 1681i, everything must investigated in 30 days and with verifiable and accurate info. EXPERIAN and XXXX has violated my rights by simply not even investigating the errors. They also did not add that the accounts were in dispute. This is another violation of my rights. 
XXXX and EXPERIAN deleted XXXXXXXX XXXX account but illegally put back on the same disputed account with a new number. 
I have attached the FTC AFFIDAVIT that was filed in XXXX along with the new Affidavit showing the illegality of the XXXX. 
XXXX XXXX XXXX ND XXXX is commercial building, XXXX XXXX ND XXXX has three different variations of same address for abandon building. 
There still 20 variations of my name and 10 diffrent addresses. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Card XXXX Delete these errors and accounts that are not mine or I will want monetary compensation for my violating rights also discrimination due to my age and 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 non-monetary relief
Consumer complaint received 2023-03-16 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:
In accordance with the Fair Credit Reporting everything must be true and 100 % accurate. 

The credit bureaus stated that my was properly investigated but how is that possible if the open dates are inaccurate, the date of last activity is inaccurate, and the dates last reported are inaccurate. This is grounds for removal. 

15 U.S.C 1681 section 602 A states I have 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.

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 2023-03-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Georgia Student Finance Authority
State: GA

Complaint narrative:
Georgia Student Finance has been very unpleasant to work with. I have contacted them MULTIPLE times to work out a payment plan up until the point now where when I call now no one is able to answer the phone and my call drops. The times when I would call and speak to someone the representatives were extremely rude, not cooperative and failed to even take the payment I could afford to pay them. They proceed to tell me they do not accept payment arrangements or skip payments and now every single month, my credit shows up as being 120 days past due. It has been almost 2 years that my credit continues to get impacted as 120 days past due and it is not being charged off or forward to a collections team to be able to work out a payment arrangement. Because of this, I am not able to open a mortgage, purchase a car, or start my business because I am seen as a risk to most lenders. There needs to be a stop to this unfair treatment and an internal & external investigation of their operational process needs to be reviewed as soon as possible because I am sure I am not the only customer that is going through this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: Army and Air Force Exchange Service
State: IL

Complaint narrative:
Account : # XXXX Date reported late XX/XX/2022. 
Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer XXXX XXXX XXXX XXXX ) and the person ( YOU ) XXXX XXXX XXXX XXXX Making the report is not INCLUEDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
You have 7 calendar days to update my Payment history and or delete all late payments from the below account/s Account : # XXXX Date reported late XX/XX/2022. 
Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for :

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 2023-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I got my card, physically stolen from me I had {$1200.00} in my bank account and the theft went over that {$1200.00} by {$600.00} and when I disputed it they kept denying it even though I had proof it wasnt me but since I have my own house and I have automatic payments, they didnt approve the dispute, because there is still authorized activity, but that same authorized activity was throughout the account since XX/XX/2020 I didnt realize that my account was being charged until XX/XX/XXXX and I immediately went into the branch a PNC in XXXX XXXX and got a new card a new pen and disputed it. They gave me my money back proved it, and then took it away again saying that a got denied. Now they want me to pay money that I dont have. I dont have the funds for it because I own my own home and Im XXXX XXXX XXXX and theres purchases that I could not buy from like vape shops only XXXX and you have to be XXXX and I have given them proof Ive XXXX to speak with them come in anytime even equal it out to XXXX move on. But at this point, I want my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: IL

Complaint narrative:
Received prepaid gift card and attempted to set it up to use in XXXX but it failed and I gave up. Finally decided to try again in XXXX and got it authorized only to find out they where charging non use fees even though I could not use it. Their web site for filing a complaint kept giving a " page can't be found try again error ". A {$5.00} fee has been charged every month since.

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