vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: QC HOLDINGS INC
State: MO

Complaint narrative:
I was out of work for a month and needed enough to pay some bills. I got a loan in XX/XX/2022 of {$1800.00}. When I was selecting payoff time the only options were long term pay off. I choose the 39 payments which is twice a month at {$250.00} meaning Im paying {$500.00} a month. When I look on the website to see how much I owe, my payments are not making a dent! After further looking into the situation I realize that Im paying {$7000.00} plus what I owe which is absolutely insane!

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 2022-09-22 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: Nelnet, Inc.
State: FL

Complaint narrative:
I called U.S Dept Of Education on XX/XX/XXXX due to seeing a conflicting report on my Credit from XXXX. I was advised that The 12 Loans were added together to make the total of {$27000.00}. dating back from XXXX to XXXX. These are not individual accounts. This loan is currently under the COVID Forbearance made by the U.S. Government and by The U.S. President. Per Great Lakes who is managing my Student loans. My account is in good standings. There was never any late payments on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
CFPB + Equifax, on my XX/XX/2022 Equifax credit report there are 6 unauthorized hard credit inquiries I am disputing and would like removed from my credit report - attached to this complaint are : - drivers license - social security card - address - letter - screen shots of all 6 Please have these 6 unauthorized hard credit inquiries removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Credit Bureau has failed to timely remove/delete the public item of federal bankruptcy from my credit report as such reporting is " aged ''. On or about XX/XX/XXXX, I filed federal bankruptcy under XXXX XXXX. During the course of these proceedings my XXXX  XXXX was converted under 11 U.S.C. 1307 ( a ) to XXXX  XXXX. XX/XX/XXXX, my bankruptcy was discharged. I've contacted the credit bureau and discussed this. I was told that the information comes from a 3rd party and a dispute was initiated. Upon receiving the results of the dispute, and nothing being changed ; I am filing this complaint. XXXX reported the information to the Credit Bureau despite providing them with proof that this was an initial XXXX  XXXX filing which has a 7 year reporting time ; it continues to be reported. XXXX reports that the XXXX  XXXX was dismissed or closed, when in fact it was US statute conversion. There was also a reference that all debts were the responsibility of consumer. XXXX  XXXX bankruptcy is deleted seven years from the filing date. The reported information should have been deleted XX/XX/XXXX. XXXX have deleted the bankruptcy from my credit report. Public Record Information This section includes public record items XXXX obtained from local, state and federal courts through a third party vendor, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
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 ( under the laws of the United States XXXX if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: AmeriCollect
State: IL

Complaint narrative:
On XX/XX/XXXX, I sent notice directly to the PRESIDENT of Americollect Inc, XXXX XXXX XXXX to Cease & Desist any action to defame my character ( attached ). This company has had more than enough time to respond and failed to do so. I never gave this company permission to utilize my consumer reports as is required pursuant to 15 USC 1681b ( a ) ( 2 ). I tried to communicate with this company to amicably work to an appropriate solution, and they intentionally ignored my request. Americollect has knowingly and willfully violated my consumer rights by placing an alleged debt obligation on my credit report illegally. Their continued violative business practices, are to intentionally defame my character, harm my financial reputation causing me insurmountable stress. Ive been denied extensions of credit multiple times because of this account reporting to my credit profile. The statute 15 USC 1681n - any person ( company ) who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages. There is no excuse for their actions as they have been in business for over 40 years. Several court cases support XXXX XXXX non excusat ( Ignorance of the law excuses not ) All are presumed to know the law. XXXX XXXX XXXX XXXX v. XXXX ( XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ( XXXX, XXXX XXXX XXXX, XXXX P. XXXX ; People XXXX XXXX ( XXXX ), XXXX C.A. XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ( XXXX ), XXXX C.A. XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), XXXX C.A. XXXX, XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
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 ( under the laws of the United States , if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MS

Complaint narrative:
I had a account with chime, I received a {$20000.00} deposit in XXXX XXXXChime close my account.so on XX/XX/2021 I received another deposit of {$20000.00}, but the account had already been closed.I contacted chime and ask them to return the money back.I never received a rresponse.so I was thinking the money was returned.Till the company contacted me yesterday.I contacted chime again yesterday no response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
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 ( under the laws of the United States , if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Credit Bureau has failed to timely remove/delete the public item of federal bankruptcy from my credit report as such reporting is " aged ''. On or about XX/XX/XXXX, I filed federal bankruptcy under XXXX XXXX During the course of these proceedings my XXXX XXXXXXXX was converted under 11 U.S.C. 1307 ( a ) to XXXX XXXX. XX/XX/XXXX, my bankruptcy was discharged. I've contacted the credit bureau and discussed this. I was told that the information comes from a 3rd party and a dispute was initiated. Upon receiving the results of the dispute, and nothing being changed ; I am filing this complaint. XXXX reported the information to the Credit Bureau despite providing them with proof that this was an initial XXXX XXXXXXXX filing which has a 7 year reporting time ; it continues to be reported. XXXX reports that the XXXX XXXXXXXX was dismissed or closed, when in fact it was US statute conversion. There was also a reference that all debts were the responsibility of consumer. XXXX XXXX bankruptcy is deleted seven years from the filing date. The reported information should have been deleted XX/XX/XXXX. XXXX have deleted the bankruptcy from my credit report. Public Record Information This section includes public record items Equifax obtained from local, state and federal courts through a third party vendor, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX https : //equifaxconsumersXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2022-09-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
XX/XX/2022 I was trying to sell a couch on XXXX. And someone messaged me about it. We were using Zelle to handle the transaction. 
Instead of them sending the XXXX $ I was asking for. I was scammed into sending they them {$900.00}. For upgrading my account to a business account and then government fees. 
The buyer was being pushy about me sending the amount so the so it can be completed and we would get refunded the total amount. Going further into it, the emails and everything they were saying/sending was feeling not right. The buyer kept being pushy about the transaction and even asked for me transaction history. I brought being not comfortable with sending large payments like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
CFPB + TransUnion, On my XX/XX/2022 TransUnion credit report I notice 4 unauthorized hard credit inquiries- I am seeking to have these removed as soon as possible attached to this complaint are : - drivers license - social security card - address - complaint - screen shot of where they are located Please have these 4 unauthorized hard credit inquiries removed as soon as possible from my TransUnion credit report.

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 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
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 ( under the laws of the United States , if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 2022-09-22 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: NJ

Complaint narrative:
I currently have two loan servicers, XXXX ( transferred from XXXX ) and Aidvantage. 

I consolidated my loans when I applied for PSLF in XXXX. A small portion of my loans were transferred from XXXX ( now Aidvantage ) to XXXX and the rest stayed with XXXX. 

When I asked about this at the time, first I was told by XXXX that it would take time for the loans to transfer and then I was told that the servicer didnt matter and all of my loans would be counted under PSLF . 

On XX/XX/XXXX, I was on the phone with Aidvantage ( 2x ), XXXX ( 2x ) and the Department of Education and been wildly different things about loans transferring to XXXX. 

XXXX said that the loans should be transferred to them, but because my paperwork from XXXX isnt transferred completely yet, they couldnt really tell me anything else. The second time I called, I was told that once they got all of my loan information from XXXX, they would be able to request a loan transfer from AidVantage. 

Aidvantage first said that the Department of Education had to tell them to transfer my loans to XXXX. The department of education said that this was not true and urged me to file a complaint. 

I called Aidvantage again, and a different person told me that XXXX had to request that my loans at Aidvantage be transferred to them. She said I should wait until my paperwork from XXXX be fully transferred ( should happen by XX/XX/XXXX ) and then request that my Aidvantage loans be transferred to XXXX. 

Im afraid that this will impact my PSLF and I dont know why I being told different things from different people every time I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Date Opened : XX/XX/18 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I called U.S Dept Of Education on XX/XX/XXXX due to seeing a conflicting report on my Credit from Transunion. I was advised that The 12 Loans were added together to make the total of {$27000.00}. dating back from XXXX to XXXX. These are not individual accounts. This loan is currently under the COVID Forbearance made by the U.S. Government and by The U.S. President. Per XXXX XXXX who is managing my Student loans. My account is in good standings. There was never any late payments on the 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 2022-09-22 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, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

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 an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. 
Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate. 


XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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