vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting 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:
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 XXXX XXXX XXXX XXXX XXXX I 15 U.S.C 1681 Section 602 A. states I have the right to privacy. 15 U.S.C Section 604 A Section 2 : also states a consumer reporting agency can not furnish an 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, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) 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.

PLEASE DELETE AND REMOVE ACCORDINGLY. Thank you.

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 2024-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Millco Management
State: FL

Complaint narrative:
I checked in to the XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) twice, once in XXXX and once in XXXX. Because I did not have insurance and was unemployed at the time, on both occasion I explained my situation to the front desk staff at each location. They both told me I will not be charged as they are making the notes. It seemed strange to me at the time, but I trusted them. Once I started working and tried to apply for a car loan, it was brought to my attention by the dealership that I have a negative account in collections for a total of US {$1700.00}. I was really shocked, so I checked for myself ; only to trace it back to the hospital. I called the collections Amerifinancial Solutions phone XXXX XXXXXXXX, and I was told that this account was handed over to them by the XXXX XXXX XXXX XXXX XXXX  for unpaid debt. I was so traumatized ; I asked the agent what I can do to fix it. She said if I can come up with {$1000.00}, she will do a deletion. I asked her to hold and reached out to a couple of friends. I had {$700.00} saved up, so I only needed XXXX which I was able to obtain from my friends. The agent promised me that the deletion will take anywhere from 30-60 days. Two weeks ago, to date, I checked my credit, and the account was settled and removed. I breathe a sigh of relief. Only to know that my happiness was short lived as I was hit with another debt collection account from the same facility for the same amount of US {$1700.00}. I am devastated and this has caused me to have severe mental breakdown. I have the receipts to show that I did settle the account with collections company and if it is for the second visit, I am kindly asking that this be removed from my credit as I do not have the means to pay and I was told I did not have to. In fact, I will send a screenshot of the my chart patient payment summary to show that it has a XXXX balance. I am pleading for assistance to get this account removed from my credit and I wish to receive no future communication from Amerifnancial Solutions, XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX I was never even given a written notice of my rights to dispute the charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Self Financial Inc.
State: TX

Complaint narrative:
I am NOT 2 payments behind, XXXX is showing 30 days late for XXXX AND XXXXI am not late those months, I am current for XXXX AND XXXX. please remove this false report to XXXX The issue I've been experiencing is on my credit report clearly shows 2 late payments for XXXX and XXXX but on SELF and talking to multiple support teams, I'm current for the months of XXXX and XXXX. This needs to be removed and corrected on my credit report for XXXX and to other credit bureaus. I've sent screenshots to back up my statements of FALSE LATE PAYMENTS FOR XXXX AND XXXX. I AM CURRENT, no late payment for these months stated above. Please remove and correct the information to repot back to the credit bureaus with updated CORRECT information. Thank you for your time XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: MOHELA
State: IN

Complaint narrative:
Mohela has some serious issues. 

They transitioned their website, and in doing so several things are wrong. I've attempted to correct this with them and have spent several hours on the phone to get nowhere. They have no managers that are available to solve the problem and the customer service reps are not educated or able to resolve my issues. 

The issues are XXXX. They put my loan in XXXX  -- this has since been resolved XXXX. They did not accept my XXXX monthly payment, thus I did not benefit from the XXXX plan for that month XXXX. They capitalized my interest on my loan with no justification. I checked the reasons they can do so, and they have no basis. 

Thank you for your help in finding a resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting 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: MA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/year> I disputed an incomplete account online through the CRA Experian. I noticed that the reinvestigation was completed in relatively short time. The reinvestigation was completed in less than XXXX hours. In fact, the reinvestigation was disputed and completed the same day.

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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
TransUnion, I want to show you how AWESOME XXXX IS IT SHOWS THERE'S STILL GOOD PEOPLE IN THIS WORLD THEY SAW THAT I SETTLED THE ACCOUNT WITH XXXX XXXX XXXX  ON XX/XX/2023 AND ALSO THEY DIDN'T WANT TO INTERFERE WITH MY LIFE. HIW COULD ANYONE PAY A BILL I LOST MY JOB JOB DURING THE COVID-19 CRISES. ALSO THEY DIDN'T WANT TO INTERFERE WITH ME GETTING A MORTGAGE. SEE ATTACHMENTS FOR PROOF THERE'S STILL GOOD PEOPLE IN THIS WORLD.

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 2024-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Amsher Collection Services, Inc.
State: NC

Complaint narrative:
On XX/XX/year> while reviewing my consumer report I saw an adverse action reported by AMSHER COLLECTION SERVICES with tender owed of {$340.00} USD. This business and this account I have no knowledge of. I have never contracted or agreed to do business or accept credit from this company. The company has thus violated the following : XXXX XXXX Code XXXX ( a ) ; XXXX XXXX Code XXXX ( XXXX ) ( XXXX ) ; XXXX XXXX Code XXXX ( XXXX ) ( XXXX ) ( XXXX ) ; XXXX XXXX Code 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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing this complaint due to multiple inquiries that are on my credit report. These inquiries have been deemed as fraudulent and hindering my credit worthiness. I am unaware of why these inquiries are on my credit report. As a consumer, I am aware of my rights. I have attempted to resolve these issues directly with the CRAs but have been unsuccessful in obtaining a resolution. I did not give Experian nor XXXX my consent to disclose my personal public information. Because of this, it is a violation of the law. This inquiry is deemed as fraud and should be treated as such. I have no knowledge of these inquiries and request that they be deleted. 

Inquiries from : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, 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 2024-07-10 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
Ive reached out to the 3 credit bureaus repeatedly over the past year to let them know that I am a victim of identity theft and that my consumer report has been used. I do not recognize these accounts and they need to be removed immediately. Im on the verge of being homeless and the state of my credit health is ruining my life all due to accounts that are being reported improperly

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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 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 2024-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Meridian Financial Services, Inc.
State: NC

Complaint narrative:
I was learning how to read my credit report and discovered multiple charges that stated I owed for products I never owned and tried to dispute multiple times until I spoke with the credit bureau and they suggested I file a complaint with federal trade commission,

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 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Recovery One, LLC
State: AR

Complaint narrative:
The company claimed to be Recovery One on behalf of XXXX XXXX XXXX. They said their phone number was XXXX and their address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I never owed this debt and it was paid by myself and my insurance at service. I have talked to both corporate and local to ensure nothing is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To whom this may concern, my name is XXXX XXXX and XXXX am writing this statement on my own behalf. Per 15USC Code 1681S02 ( a ) ( 1 ) ( a ( & ( c ) of the Federal Credit Reporting Act ( FCRA ) the accounts listed in this report should not be reflecting on my consumer credit reports s they violate my rights as a federally protected consumer. Per the US Codes provides, they summarize that is is NO-Permissible for a consumer to report anything under any circumstances, without my written consent or instructions to do so. No consent constitutes as identity theft. As a federally protected consumer, i am demanding the deletion and removal of ALL the accounts listed in this report immediately.

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 2024-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XX/XX/2020 deposit of {$18000.00}. I received a letter stating that I put {$1800.00}. XXXX XXXX I received a letter from Wells Fargo Bank stating what happed and the corrections of {$16000.00} was made. The full amount was made and deposited in checking account ending in XXXX. I was using checking account ending in XXXX. Each time there was a transfer it cost me {$35.00} and there were plenty. Also Wells Fargo would transfer an amount from account ending with XXXX into account ending in XXXX and would show as a withdrawal. That was a deposit into acct XXXX which would have been added money. Wells Fargo showed that as withdrawal in acct ending in XXXX meaning spent money. A subtraction. XX/XX/2020 {$1000.00} and XX/XX/2020 XXXX as deduction.. Also XX/XX/2020 {$600.00} ups money order to XXXX west XXXX XXXX unknown. There are a few others found. I am not sure of this statement because I paid othe bills

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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This complaint is legitimate. My credit report contains false and inaccurate information, causing unnecessary stress and has been negatively impacting my life and my credit score.

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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX - the account was paid in full and the account was closed in XX/XX/year>. Even though paid in full, a {$1.00} interest charge was applied to the account. Thinking the account was closed, I never again logged into the account. Apparently, this unwarranted interest charge continued to accrue, and a late fee was assessed to the account & ultimately a late payment was reported to the credit agencies. How can a financial institution charge interest when the balance is paid in full, on 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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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