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

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a 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.

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 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On the date of XX/XX/2022 I sent my second letters via certified mail to delete inaccurate information off of my report. I sent XXXX dollars to send mail via certified and they refuse to furnish the correct information.

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 2022-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Regions charged me XXXX in fees when I havent even went negative yet. Then wanted to give me a hard time about! Asked me well maam what do you want me to do?! I said GIVE ME MY MONEY! THATS WHAT I WANT YOU TO DO ABOUT IT! Then they proceeded to tell me, well I can only refund XXXX XXXX time only! Well I am sorry but this wasnt my fault. 

This has happened more than XXXX. I do remember getting a refund XXXX time. I dont fell like they should charge overdraft fees for every charge that is pending just the charges that you dont have enough money to cover.I have been with regions for a while now. I dont know how many times this has happened but I do know that this is the last time it was a large amount out overdraft charges at once. 

As you can see on the photo I had attached I had enough money in my account to cover all charges but the last one. So I feel like I should have only be charged XXXX fee. Instead of XXXX. This caused me to get farther behind on my bills and caused me a lot of stress. 

I am sure they owe me way more then that from over the years but I dont know how to go back and look it up.

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 2022-10-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Creditor : XXXX XXXX XXXX XXXX, Account : XXXX Reason : Please verify this account Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Please verify this account Creditor : XXXX XXXX, Account : XXXX Reason : Please verify this account Creditor : XXXX XXXX XXXX, Account : XXXX Reason : Please verify this account Creditor : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX IN CO ), Account : XXXX Reason : Please verify this account Creditor : XXXX XXXX XXXX, Account : XXXX Reason : Please verify this account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Accordance with the Fair Credit Reporting Act XXXX  Acct no. XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 SECTION 602 h it states I have a right to privacy. 15 U.S.C 1681 604 A SECTION 2.also states a consumer agency can not furnish an account without my written instructions.

Accordance with the Fair Credit Reporting Act XXXX  Acct no. XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 SECTION 602 h it states I have a right to privacy. 15 U.S.C 1681 604 A SECTION 2.also states a consumer 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 explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I asked this company to provide me with Validation of an alleged debt and its several months I still not have received any.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: DC

Complaint narrative:
I requested a payment refund from XXXX XXXX for overpayment of my graduate plus loans during XXXX pause under the XXXX XXXX on XX/XX/XXXX, being quoted XXXX days to issue the refund. However, I've received no confirmation or status updates from XXXX XXXX  via email or when calling. They've now quoted me via phone up to XXXX days. I'd like to have my refund processed inmediately so I can apply for student loan forgiveness.

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

Complaint narrative:
In accordance with the fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX, ACCOUNT # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX # XXXX XXXX. 


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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On the date of XX/XX/2022 I sent my second letters via certified mail to delete inaccurate information off of my report. I sent XXXX dollars to send mail via certified and they refuse to furnish the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ZWICKER & ASSOCIATES
State: IL

Complaint narrative:
My identity was stolen years ago, this account does not belong to me, It's not even on my credit report.

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

Complaint narrative:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a 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 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a 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 non-monetary relief
Consumer complaint received 2022-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I understand that I had promised to pay NELNET {$10000.00}. I was paying on this for XXXX years and XXXX months faithfully. I was attending XXXX XXXX through Corinthian Colleges who was doing money laundering schemes and tricked many of us students into paying such high fees, which this link shows hard evidence : ( https : XXXX ) however, also, I read over the contract during a complete forensic evidence procedure, and I found that the contract has a few defects, and they may be in violation of ( U.S. Title 18 1001 ), where it states whoever in any matter within the jurisdiction of the XXXX, legislative, judicial branch of Government of the United States, knowingly and willfully falsifies, conceals, or covers up by any trick, scheme, or device a material fact ; makes any material false, fictional, or fraudulent statement or entry shall be fined under this title or imprisoned not more than XXXX  years. I want to get this taken care of. It is not my intention to not pay anything. I want to get this settled, so If they can kindly get back to me within XXXX days with a fixed copy of the contract and a copy of their account ledger, where I can see clearly the GAP according to The Fair Debt Collection Practice Act. That would be great! I also noticed that I'm the only XXXX who signed the supposed contract ; there is no other signature, which is also a violation of UCC Section 3-401- Where there is no signature the contract is void. So, again, i'll accept their presentment if they can get me what I asked for above within XXXX days. If not, they agree the terms of the supposed contract is void. But If they get back to me with the information i asked, they agree I'll settle the matter with a promissory note. 
Without Recourse, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Experian is refusing to update my current address which is : 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 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I do not feel as though the credit bureaus are doing their due diligence because they are reporting incorrect information on my credit report. I have never been late with XXXX Bank yet they are reporting a late payment of XXXX days for XXXX. They also report a difference balance than what my statement has for the month of XXXX. I am requesting that EXPERIAN, XXXX, AND XXXX immediately remove the late payment and update the account to paid as agreed, never late. Also update the correct balance for the account listed. I have attached proof of payment and proof of my statement listing the correct balance. The account is XXXX BANK 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 2022-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I paid off a {$17000.00} loan for a XXXX XXXX from XXXX XXXX over the course of 60 months. My final payment was XX/XX/2021, and I received a letter of satisfaction. Last month, I went into the same dealership and was not able to negotiate the terms of a trade in for a new vehicle because they insisted on charging an enormous market rate adjustment for the new vehicle. I secured a deal for sticker price ( in writing ) and approved financing from another dealership. When I attempted to get a clear title, the XXXX informed me XXXX XXXX never processed the appropriate paperwork, and I could not have clear title to the vehicle I had paid off almost XXXX years prior. I contacted Kia Finance America, and they said the same. I repeatedly attempted to contact XXXX XXXX during business hours. No message was returned. The issue is time sensitive because I negotiated an existing deal which I could not accept and financing ( as interest rates are rapidly increasing ). The end consequence of these events is clear, XXXX XXXX is price gouging while holding my rightful documents XXXX, making me unable to do business with any other entity but them. This clearly constitutes are crime of financial coercion.

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 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Account on my report I do not recognize

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 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Account on my report I do not recognize

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

Complaint narrative:
My name XXXX XXXX this complaint is not made in error neither is it being made by a 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 2022-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
DEBT RECOVERY SOLUTIONS has reported a debt of {$4000.00} for a company called XXXX XXXX XXXX  that I have never done business with. I filed a dispute with XXXX and XXXX and they informed me that they confirmed the debt as valid. I have submitted a validation request via email and have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc
State: CA

Complaint narrative:
I opened the Chime account at the end of XXXX ( during XXXX of XXXX weekend ). 

Account creation went through swiftly. 
At that time i firstly uploaded all the required documents for identification. 

After roughly XXXX week i received the debit card. 

On the XXXX of XXXX i try to login to get the transfer information to move some money into the account. however, I can not do it since my account has been either suspended or closed. The app tells me to write to " XXXX '' which I do promptly. 

On the same day I write to " XXXX '' which tells me that my request has been transferred to the specialists team. 

On XX/XX/XXXX I sent another email asking for the account closure. " Transfer to the team '' as answer. 

The day afterwards ( XXXX of XXXX ) i call support because I received no answer. They told me to write an email to " XXXX '' a bunch of pictures of me holding my driving license, a piece of paper with my name on it and a selfie. Same as before, I got only the " transfer to the team '' answer. 

I called them on the day afterwards XXXX of XXXX, no luck. 

On XXXX of XXXX I tried again with the phone support. XXXX minutes call. They requested various pictures ( again, same as the one requested on the XXXX ) to be added to the open ticket and they told me I would have received an answer " soon ''. They also suggest to open a new ticket with the very same pictures on the same day always through email. Done that, no luck. 

Called them again on the XXXX. Same story. 

Called them again on the XXXX of XXXX. No luck. 

Various pings were made through email on every open ticket. I still have no answer on why my account has been locked.

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

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I opened a account with XXXX XXXX XXXX XXXX  XXXX but it is not reporting on my credit credit. Why is this account not reporting on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
This complaint was submitted to CFPB previously and your reps locate dit within the system but it has not been processed for unknown reasons so I am trying to get something done online. My mortgage company has incorrectly determined my escrow payment amount and I have been overpaying this entire year of XXXX, that is why there is currently a surplus of over XXXX in my account, and will be more than that by the time they do another analysis in XXXX XXXX the company claims I had a shortage when the analysis was done but no shortage ever existed other than ones that had already been paid in XXXX and they made me pay them again, there was actually a surplus in the escrow account the exact same month they claimed a XXXX shortage existed and I have sent letters and ph calls to the company and they have refused to correct the payment. I am concerned they will do the same thing again next year and the surplus I will lose will be even larger than it was last year. I can not prove but believe the company is doing it on purpose to rip people off and get free interest on the funds they are forcing consumers to pay that they do not actually owe.

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 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — 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