vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-11 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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a 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 explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
I feel as if my personal information is being sold or passed around in order to collect a debt that was paid by my insurance. It started with XXXX XXXX then XXXX XXXX which was disputed and removed now it's Law Offices MBA which states it's a medical debt correct me if I'm wrong should not be showing up on my XXXX report due to new regulations as of XX/XX/XXXX. The HIPA law also protects my medical information from being shared. I feel I'm being targeted and harassed. Please find it in your heart to stop this on going pursuit to prevent me from excelling in life. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-11 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a 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 2022-07-11 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: NC

Complaint narrative:
I applied for, and received, PSLF through the temporary waiver. 
I was working with both FedLoan servicing and Federal Student Aid to try to resolve this case.

I have applied for RECONSIDERATION on the FSA website. There has been no resolution and I get emails telling me I can reapply for reconsideration. I have sent many notes/complaints and emails. I have called innumerable times, but most recently on XX/XX/XXXX when I had both FSA and FedLoans on a 3 way call. Both stated they could not help me and blamed the other as the one in charge of fixing the problem. In essence, both refuse to help. They tell me neither can resolve this claim-. 
( case # XXXX XXXX, XXXX, XXXX, XXXX ) I began paying my loans in XX/XX/XXXX. The PSLF program began in XX/XX/XXXX. 
From XX/XX/XXXX to XX/XX/XXXX, I was employed at XXXX and XXXX XXXX. Both are XXXX XXXX XXXXXXXX entities and have been certified as such by FSA and FedLoans. My jobs were but deemed eligible by FSA and FedLoans. My loans were forgiven under the PSLF waiver.

My loan DISCHARGE date is incorrect and all my loan payments were not counted. 

I made 175 payments, which is 55 payments over the necessary 120 payments for PSLF. 

Essentially, my payments from XXXX were NOT counted/certified by FedLoans.They refuse to go back and certify these payments as my case has been " closed. '' I can not get a refund because no one can certify these payments, though both FSA and FedLoans tell me they see the payments, and that I am owed this money.

My discharge date is INCORRECT. It was set as XX/XX/XXXX. However, 120 payments starting in XX/XX/XXXX would make my discharge date XX/XX/XXXX. That means payments from XX/XX/XXXX to XX/XX/XXXX are over the 120 payments and should be refunded to me. 

I am owed a refund for the overpayment of 55 payments under PSLF program. I paid approximately $ XXXX per payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: NC

Complaint narrative:
I've been denied 2 jobs due to incorrect reporting from Checkr. In XXXX I tried to get this corrected. The company reported that I had a bad check charge from 10 years prior to XXXX. I contacted the clerk of court office in the county where this charge was reported. They gave the name of the company that filed the charges and I reached out to them. The owner said he has since closed the business and had no records. I contacted Legal Aid who said they don't usually handle this type of situation and they found no charges based on my name, dob and social security. I was to start a job on a Monday and received a call the previous Friday that stated my background check had negative information and they could no longer offer me a position. I notified Checkr of info from Legal Aid but they would not look into the issue. I've been told it would cost me {$1500.00} to have an attorney to remove this from my record. When applying for jobs I have to explain that I've never been charged with anything but there is something on my record from early XXXX. In XXXX of XXXX I had a background check for XXXX ( XXXX XXXX XXXX XXXX ) and it took 30 days to submit info to XXXX which prevented me from earning income. I can't afford to hire an attorney to assist with this issue. At the time of this charge I was employed with the XXXX where I worked for 14 years. I never received any court papers about any charges other than a XXXX XXXX. There are multiple women in NC with the same name as mine. When I moved to this state in the XXXX 's I went to a store to purchase needed items for the home. I wrote a check and was told they had a worthless check on file and couldn't accept that form of payment. I was able to provide information to prove I had never written a check to them based on my SS #. From then on I no longer wrote checks and only paid cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

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 2022-07-11 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : 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 2022-07-11 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:
I did consent to authorize nor benefit from these account ( s ). Block and Remove

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 2022-07-11 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:
I did consent to authorize nor benefit from these account ( s ). Block and Remove

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 2022-07-11 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: NY

Complaint narrative:
I did consent to authorize nor benefit from these account ( s ). Block and Remove

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This message was not sent in error, I am a consumer by law and my information is being misused and as a result I have faulty not 100 % error-free accounts on my credit report. Unapproved use of 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 2022-07-11 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : 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 2022-07-11 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXXXXXX XXXX  XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : -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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I had planned a XXXX  XXXX for XX/XX/XXXX and was unable to get it due to XXXX. I had made several attempts to contact the place where I was scheduled to get my XXXX. I contacted them several times and have not been able to get in contact with anyone. I was ale to talk to an employee at XXXX on XX/XX/XXXX and was told i had to pay XXXX $ for a dates change, which I made the payment. I had been told i would receive a call back from a XXXX coordinator, this did not happen. When i was finally able to speak to a XXXX coordinator on XX/XX/XXXX she informed me that she had not received any payments from me at all. On XX/XX/XXXX I called the banks which i had been making the payments from to report the issue. I had received my funds back from XXXX XXXX XXXX. I made 2 payments from my wells Fargo account, on XX/XX/XXXX i made a payment of XXXX $ and anther payment on XXXX for XXXX XXXX Well Fargo denied my claim.

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 2022-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: OH

Complaint narrative:
This letter is being sent to MERCANTILE ADJUSTMENT BUREAU ( XXXX ) in response to a computer-generated, unsigned letter dated XX/XX/2022, a letter received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt are requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq.All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owned by the Claimant. In order to make arrangements to pay an obligation that may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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:
on XX/XX/2022 ive disputed many inaccuracies on my report. ive asked for an investigation to be conducted and for them to please remove any inaccuracies from my report. i received no response to any of my request to investigate and in fact only received a stall letter from transunion on XX/XX/2022 accusing me of using a third party which has nothing to do with them conducting the investigation that i requested and complying with my written instructions to remove all inaccuracies from my report. they continue to report late payments which are not accurate and continue to violate my HIPAA rights by reporting a medical account and continue to report accounts that they can not provide validation for. these accounts are inaccurate and a defamation to my character. according to federal credit law spelled out in the FCRA, a credit bureau is required to respond to you and complete their investigation within 30 days. if they do not respond within this time frame, they must remove the negative listings disputed. ive sent a follow up letter and still received no response and it has been 40 days since ive disputed these accounts and asked for an investigation which is a violation of my consumer rights.i would like these negative accounts removed from 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 2022-07-11 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: CAVALRY INVESTMENTS, LLC
State: NJ

Complaint narrative:
I have seen collections on my 3 Credit bureaus. I don't remember or recalled doing any business with them. Multiple times, I asked them to provide me with some kind of proof that I conduct business with them. Nothing was ever produced for me. When, I called them they ask for my personal info, or put me on hold for long long time. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
On XX/XX/XXXX, I was approved, ( after being targeted with an email to apply ) for a Citi XXXX XXXX Advantage Platinum Select credit card. Spending {$3500.00} in XXXX XXXX would earn XXXX XXXX XXXX miles were the terms of the offer. I accomplished that within those XXXX months and noticed that my miles were not credited to my account. 

I called Citibank and was told that because I had previously owned that type of card ( and cancelled it in XXXX of XXXX ) I was not eligible for the XXXX bonus miles. Needless to say, I was upset with this situation and felt that the email urging me to apply for the card was fraudulent in character. 

I say it was fraudulent because that email that I received urging me to apply for that card said NOTHING about my not being eligible for the bonus miles if I had previously had such a card in the past XXXX  months. If it had made that point clear I never would have applied for it. 

Simply put, I feel that I rightfully deserve those XXXX bonus miles.

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 2022-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc.
State: FL

Complaint narrative:
On XXXX received an unsolicited business debit XXXX from Square , Inc in the mail under my name and business name XXXX XXXX XXXX XXXX XXXX, with which I have no current or past affiliation. Immediately called Square , Inc and received a case number. They were also made aware that alerts had previously been recently placed with all 3 credit reporting bureaus due to prior attempted ID theft, with inquiry as to how Square , Inc could therefore allow this to occur. Square , Inc representative could provide no information or assurances, stating that someone would follow-up, which never happened, even after my properly executed, tracked written request as a victim of ID theft ( with photo ID, copy of law and police report case number ) to their compliance department was received. I also requested a copy of their remediation policies at that time, again without response.

Company response to consumer: Closed with explanation