vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The credit reporting company continues to share incorrect and inaccurate information about me without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A fake text message from XXXX has tried to send me a link that I know is fake to try and steal money. The bank that is being impersonated is Bank of America

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 2022-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: GA

Complaint narrative:
The total loan and fees were not fully disclosed or improperly explained resulting in substantial interest in addition to principal amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 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: DISCOVER BANK
State: GA

Complaint narrative:
The company is in violation of reporting transactions or experiences on my consumer report. Law 15 USC 1681a 2 ( A ) ( i ) exclusions clearly states the consumer report does not include transactions or experiences. 
This also violates my right to privacy, is negligent non-compliance, civil liability, deformation of character

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/2022 I sent a certified letter to Midland Funding LLC requesting a verification and validation of this alleged debt. I requested detailed information and letting them know that I wanted proof of the alleged debt from them. I will include the letter that was sent. On XXXX XXXX I received a letter. What I requested was not enclosed in the letter. Now I am requesting from the CFPB to investigate this matter. This is an alleged debt that was not proving that it belong to me. I am requesting that the alleged debt be removed from my credit report immediately from Midland Funding LLC. Midland Funding LLC failed to prove that the debt is mine. Midland Funding LLC did not reply accurately to my written demand for proof. I will include the tracking number for the certified letter and the letter itself, asking for proof. Neither of the requested information was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Starting from XX/XX/2022, I have been receiving harassing phone calls from XXXX XXXX XXXX, a " debt collector '' for a fraudulent collection that was placed on my name. For the past 23 years, I have lived with my parents and the address this company is trying to claim I owe a debt to, to is the same property where I grew up and my parents still have the title to this day. 

I have been in contact with the girl " representing '' my claim thru XXXX XXXX XXXX, and have not given any personal information. She is the 3rd " rep '' from them that this has been passed along too and I'm sick of dealing with this already. 

I have contacted Transunion, XXXX XXXX XXXX about removing the fraud and have been unsuccessful with the first two. Transunion and XXXX have yet to correct my credit file and remove the not liable history. 

I do not wish to file a police report on a matter I have no liability, knowledge or responsibility for and it needs to just be removed. 

Transunion & XXXX have NOT properly investigated this and ignore my request to have it deleted EVERY TIME.

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 2022-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
I received a letter from Jefferson Capital that was attempting to collect a debt from a XXXX account that was opened in my name. I do not have a XXXX account nor have I ever. The account and the debt are fraudulent and I have been the victim of identity theft. 

Jefferson Capital letter dated XX/XX/2020 for {$61.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2022, and XX/XX/2022, unauthorized fraudulent transactions were made from my accounts in the following amounts : {$2100.00} transferred from Savings to Checking, {$2000.00}, {$1500.00} and {$3400.00} were stolen from my Checking Account. 
I have provided information that I did not have control of my cell phone and that the thief changed my SIM on each day! 
I have filed a police report, sent letters of explanation, got information from the cell phone provider, filed disputes, notified three credit bureaus, requested reconsideration after denial of claims, filed Internet Crime Complaint and followed the instructions and recommendations of The Federal Trade Commission on IdentityTheft.gov. 
This company has not yet responded to my last communication ; it's been 35 days. 
I have been completely ignored with the exception of the denial letters. 
I was notified by XXXX XXXX, Assistant Vice-President, Resolution Specialist, Regulatory Complaints and given Case # XXXX, I verified my identity as complainant ( by phone message and email ), provided him additional documentation but have NOT heard anything from him. My telephone calls and messages left have also been ignored.

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 monetary relief
Consumer complaint received 2022-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I made a {$5000.00} payment on one of my chase credit cards. Unbeknownst to me, the default payment account had defaulted to an older account I dont use. I didnt notice this when I made my payment. 

As a result My payment was returned to to insufficient funds. Chase mailed me a paper letter stating the payment was returned. By the time I got it, my payment was late and reported to XXXX XXXX causing my credit to drop over XXXX points. 

I have been a customer for XXXX years with a perfect payment history. Ive never been late before, and use online banking for everything including the alerts I get from chase that they received my payments, or I have a payment due. Why chase didnt send me an email Notifying me the payment was returns baffles me. There is zero grace for an honest mistake and obviously an attempt to make a payment was made. I immediately rectified the mistake when I got the paper notice, but by then it was too late. I called customer service and received a sorry its all automated nothing we can do. 

This lack of customer service, especially for a loyal customer with a perfect payment history is beyond disappointing. Additionally the communication method used for such a time sensitive and important issue is unacceptable, especially when I have text alerts and email as my preferential forms of communication. They did not give me an opportunity to correct an honest mistake in a timely manner and as a result my excellent credit rating dropped to fair. The lack of attention to the matter when I called is also beyond disappointing. This is especially disappointing because we were in the middle of trying to get an RV loan that was offered to me at an extremely high rate due to the negative impact on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Company attempting to collect a debt not owed and lowering my credit score by fraudulently claiming this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I received a letter from XXXX XXXX that was attempting to collect a debt from a PayPal account that was opened in my name. I do not have a PayPal account nor have I ever. The account and the debt are fraudulent and I have been the victim of identity theft. 

XXXX XXXX letter dated XX/XX/2020 for {$61.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Company attempting to collect debt not owed by filing a fraudulent collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Starting from XX/XX/2022, I have been receiving harassing phone calls from XXXX XXXX XXXX, a " debt collector '' for a fraudulent collection that was placed on my name. For the past 23 years, I have lived with my parents and the address this company is trying to claim I owe a debt to, to is the same property where I grew up and my parents still have the title to this day. I have been in contact with the girl " representing '' my claim thru XXXX XXXX XXXX, and have not given any personal information. She is the 3rd " rep '' from them that this has been passed along too and I'm sick of dealing with this already. I have contacted XXXX, Experian XXXX XXXX about removing the fraud and have been unsuccessful with the first two. XXXX and Experian have yet to correct my credit file and remove the not liable history. I do not wish to file a police report on a matter I have no liability, knowledge or responsibility for and it needs to just be removed. XXXX XXXX Experian have NOT properly investigated this and ignore my request to have it deleted EVERY TIME.

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 2022-10-22 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: TX

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 confidentiality under 15 USC 1681. 

XXXX XXXX. Account 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 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 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 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: WA

Complaint narrative:
Credit bureau deducted my credit score with an unknown hard inquiry on my account. Can you please remove that hard inquiry on my credit report account now.

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 2022-10-22 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: WA

Complaint narrative:
Credit bureau deducted my credit score with an unknown hard inquiry on my account. Can you please remove that hard inquiry on my credit report account now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: FIRST NATIONAL BANK OF OMAHA
State: MD

Complaint narrative:
After resolving the previous issue with FNBO on my other credit card. Today as of XX/XX/22. I received a notification of FNBO slashing my limit on my other card the FNBO Getaway to {$500.00} without warning or issue at all. I know they are a conservative company but this is getting a bit ridiculous. This will have a negative impact on my credit score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-22 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: VA

Complaint narrative:
I dont have a contract with ( XXXX XXXX XXXX Also this is fraudulent because I was unfortunately XXXX  during the time this account was open. Pursant to 18 USC 8, I owe no debt, This company XXXX XXXX XXXX XXXX ) is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 15 U.S.C 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 item or information, other than records of convictions of crimes which antedates the report by more than seven years.

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 know 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 2022-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have sent several certified letters to the company with no response since XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 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: WA

Complaint narrative:
Hello, My complaint is regarding a refund request with EdFinancial for the purpose of relieving it under the One-time Federal Student Loan Debt Relief program. I spoke with an EdFinancial representative on XX/XX/XXXX to begin the refund process, and I was informed it would be up to three weeks before I would see the balance reinstated. Today marks just over a month, so I am filing a formal complaint as the one-time debt relief form is now available and is time-sensitive closing at year 's end. Per the rules of the one-time relief, I expect the refund from EdFinancial to be a minimum of {$10000.00} as that is the total amount of voluntary payments I made to EdFinancial during the payment pause ( from XX/XX/XXXX, through XXXX XXXX, XXXX ), which I intend to apply towards the one-time relief as soon as the balance has been reinstated. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 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: TX

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 confidentiality under 15 USC 1681. 

XXXX XXXX. Account XXXX : XXXX XXXX. Account : XXXX XXXX. Account Number : XXXX XXXX XXXX XXXX XXXX. Account Number : XXXX XXXX XXXX XXXXXXXX. Account Number : 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 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2022-10-22 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: TX

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 confidentiality under 15 USC 1681. 

XXXX XXXX. Account Number : XXXX XXXX. Account : XXXX XXXX. Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX. Account Number : 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 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 explanation
Consumer complaint received 2022-10-22 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:
in accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 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 instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and 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 explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have sent several certified letters to the company with no response since XX/XX/2022.

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 2022-10-22 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: NV

Complaint narrative:
I have sent several certified letters to the company with no response since XX/XX/2022.

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