vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-07 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: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Midland credit management is reporting an account on my consumer reports that i have no recolection of and they have absolutely no documentation to on this account to provide me to validate this account basically all they have is my name and an amount they are trying to collect on, no other form of documentation to prove this alleged debt. I have asked multiple times for validation and they can not produce any valid documentation. i was this account removed from ALL of my consumer reports immediatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Ive submitted dispute letters regarding two separate accounts to Transunion on inaccurate and outdated information. The first letters were sent in XXXX of XXXX, followed up in XXXX of XXXX. It has been well over 4 months. 

One for XXXX the other for XXXX. 
XXXX they are reporting " At least 12O days PAST DUE. '' THIS ACCOUNT IS PAID IN FULL AND CLOSED. Needs to be corrected to PAID. 

On XXXX - Two-Year Payment History : Reporting outdated history that is more than two years old. 

There has been no response or indication that an investigation was even started. 
Ive attached letters and copies of my credit report on both accounts.

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 2022-03-07 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX, XXXX and Expieran are refusing to remove fraudulent information from my credit report. I have submitted all proper documentation under the law - and yet they refuse to remove the info.

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 2022-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Adjustment Service, Inc.
State: CT

Complaint narrative:
Diversified Adjustment services called me and threatened to ruin my credit and have me deported if I did not pay a utility company for a debt I either don't know or that is the product of identity theft. Diversified Adjustment Services Inc said that although I was born overseas in XXXX XXXX as US Citizen because my father was in service, and as a result if I lost paperwork and didn't pay the bill that they would report me to someone at XXXX for immediate deportation ( lived in country for over 40 years as US citizen ). 

The phone number that called me was 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 2022-03-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: TX

Complaint narrative:
The Predatory Lender American First Finance was a lender I used to get a XXXX for around roughly {$1000.00}. I was set up for biweekly payments and made sure to make each payment full for 3 months. Assured by both parties ( XXXX XXXX XXXX American First Finance after calling ) that I was on track to pay everything off on time without any extra trouble. Today when I pulled up my account- it showed that I suddenly had a balanced owed of {$2500.00}, after making all of my Payments for 3 months. 


Its very unfair to me because I was ensured multiple times by both parties that I was enrolled and making payments at rate that ensured that the product would be paid off on time without paying triple of what I was expecting. There were also no emails or phone calls to inform me that this was going to happen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This company has charged off this account and has collected on this debt as a write off and this account should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I am XXXX  and the person who hired me used Venmo to send me payment for {$250.00}. The payment was flagged for review and the company said it would take 48 hours for review before the funds would be made available. Based on that, the funds should have been available on XX/XX/2022. The funds were still not available. I contacted Venmo ( request # XXXX ) and they said they would escalate by the end of the day on XX/XX/2022, and they would contact me. I also asked XXXX with Venmo if the payer could cancel the payment to send it using a different method and they said no as it is in review. I still do not have my payment/funds, and I have not been contacted. It has now been 6 days/144 hours, and I do not have access to my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Company writes false information on all three credit reports after becoming military XXXXXXXX. XXXX XXXX military XXXXXXXX in 2015 after suffering an XXXX XXXXXXXX and becoming XXXX. Company writes that payments have been made by me in order to keep the report active. No contact with the company since the recovery of the XXXX. The payments that the company is reporting. Fraud is being committed and the company sold me a XXXX packet for debt protection and attempted to block my use of it. Company ignores the 7 year rule.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: TX

Complaint narrative:
I MAILED IN MY DISPUTES WITH ACCOUNTS THAT WASNT MINE, NOBODY RESPONDED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Payment for balance of {$6100.00} was mailed by check on Friday, XX/XX/XXXX. According to the online account, check payment was not received as of Friday, XX/XX/XXXX. I contacted Capital One and they said they had not received it, it was not in their system. I made an online payment on Saturday, XX/XX/XXXX assuming the check was lost. On Monday, XX/XX/XXXX my account shows both payments were received, the check on XX/XX/XXXX and the online payment on XX/XX/XXXX. I contacted Capital One again and was told there would be a 15 day waiting period, plus 7-10 days to mail a check for the over payment. I was given the incorrect information that the check was not received, when it was actually posted on the XXXX. Now I have to wait 22-25 days to receive the refund check, which is unacceptable. I sent the second payment, based on wrong information provided by Capital One, now they are refusing to send back the over payment in a timely manner. Both payments were cleared from my bank, there is no reason for a hold.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-07 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: United Collection Bureau, Inc.
State: NC

Complaint narrative:
This company has violated my Hipaa rights as a consumer and refuses to take the 2 accounts they are reporting off of my consumer reports. I have requested documentation on these 2 said accounts which are double reporting on my consumer reports with XXXX XXXX. I have not signed any documentation for United collection Bureau to have ANY access to my private non public information yet they have copies of my procedures as well as my insurance information and test results. I have confirmed this with the original creditor as well. I want these accounts removed from ALL Consumer Reporting Agencies immediatly. 
Account # XXXX {XXXX} Account # XXXX {XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: CA

Complaint narrative:
XXXX XXXX has refused to update my credit report with their transfer of 2 separate Department of Education Loans to XXXX. The transfer occurred on XX/XX/XXXX. I disputed the reports through the XXXX XXXX app in late XX/XX/XXXX, then again in XX/XX/XXXX, well over 30 days since they transferred the loans. 

The dispute resulted in that XXXX did not agree and the dispute stated it was resolved with the XX/XX/XXXX balance still reported. Both Department of Education loans have been paid in full through XXXX since the transfer. Incorrect information can have a significant impact on my ability to obtain other credit and demonstrate current financial obligations. 

XXXX XXXX has made many errors on my account including withholding that they were going to capitalize interest or failing to give options for repayment. I had to learn how to do everything myself during my time with them as they consistently led me towards increased debt and capitalized interest. They took 6 months to process changes such as payment plan changes and when I was on XXXX mishandled paperwork. Please help me fix this issue so I can finally be rid of XXXX XXXX and their criminally incompetent business practices.

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 2022-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
This company has committed fraud and aggravated identity theft by acting on my behalf with my data pursuant to 18 USC 1028. They brought my data from a defaulted note purchased from XXXX XXXX XXXX XXXX XXXX buying defaulted notes is a violation of UCC 9-110 and UCC 2- 401. This company has stolen my identity unlawfully and is trying to extort money from me. They use the Credit Reporting Agencies to furnish a deceptive form on my report to make it seem as if there is a debt owed which is a violation of 15 USC 1692J. Apparently this company is a third party debt collector who unlawfully and illegally brought a defaulted note. Pursuant to 15 USC 1692c I never gave this company permission directly or indirectly to communicate with me. I have no contract with EASTERN ACCOUNT SYSTEM INC. This company has used my data without authorized use which is a violation of 15 USC 1602P to furnish a deceptive form to make me believe a debt is owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by Credit Reporting Agencies stating I owe a debt that is discharged which is a violation of 15 USC 1692B ( 2 ). This company has used deceptive means like letters and using the CRA 's to communicate and furnish fraudulent information with my data to coerce me into paying a debt which is a violation of 15 USC 1692E ( 10 ). EASTERN ACCOUNT SYSTEM INC can not and will not ever produce a contract between me XXXX XXXX and EASTERN ACCOUNT SYSTEM INC because that contract does not exist.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revco Management, LLC
State: MD

Complaint narrative:
REVCO - ACCOUNT NUMBER XXXX AND THE Blance is XXXX. The last payment was on XX/XX/2022. I request it be removed from ALL ( 3 ) Credit Bureaus as paid as agreed or paid in full. 

XXXX XXXX was Telephone company was Paid in full on XX/XX/2022. {$100.00} I was information removed from credit file. Account Number XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07 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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP
State: KY

Complaint narrative:
I had my account hacked on five different charges from one company, us bank gave me the money back but now are saying that I owe the money because I had to open a new account. They didnt close the old 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 monetary relief
Consumer complaint received 2022-03-07 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: ND

Complaint narrative:
Hello, my name is XXXX XXXX and I am writing today to get help with incorrect information on my XXXX, XXXX and Transunion Credit report. I have reached out to all these agencies via online dispute and telephone and asked they remove inquiries that I did not request or allow, to this day this has not happened.

Please remove inquires from these companies immediately as they are inaccurate and damaging my credit score : XXXX  XXXX dated XX/XX/2021 XXXX XXXX dated XX/XX/2021 XXXX XXXX XXXX, dated XX/XX/2021 XXXX XXXX dated XX/XX/2021 XXXX XXXXXXXX dated XX/XX/2021 XXXX XXXX XXXX XXXX XXXX dated XX/XX/2021 XXXX XXXX XXXX XXXX XXXX dated XX/XX/2021 XXXX XXXX XXXX, XXXX XX/XX/2021 XXXX XXXX XXXX dated, XX/XX/2021 XXXX XXXX XXXX XXXX  dated XX/XX/2021 XXXX Companies dated XX/XX/2021 XXXX Financial dated, XX/XX/2021 XXXX XXXX dated XX/XX/2021 I did not give any of these corpo

rations permission to request a credit report and have asked these agencies to remove this information asap, this has not happened. Please help me solve this issue. 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 non-monetary relief
Consumer complaint received 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
Hello, my name is XXXX XXXX and I am writing today to get help with incorrect information on my XXXX, Experian and XXXX Credit report. I have reached out to all these agencies via online dispute and telephone and asked they remove inquiries that I did not request or allow, to this day this has not happened.

Please remove inquires from these companies immediately as they are inaccurate and damaging my credit score : XXXX XXXX, dated XX/XX/2021 XXXX XXXX dated XX/XX/2021 XXXX XXXX XXXX dated XX/XX/2021 XXXX XXXX dated XX/XX/2021 XXXX XXXXXXXX dated XX/XX/2021 XXXX XXXX XXXX XXXX XXXX dated XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX, dated XX/XX/2021 XXXX XXXX XXXX  dated, XX/XX/2021 XXXX XXXX XXXX XXXX dated XX/XX/2021 XXXX Companies dated XX/XX/2021 XXXX XXXX  dated, XX/XX/2021 XXXX XXXX dated XX/XX/2021 I did not give any of these corporations permission to request a credit report and have asked these agencies to remove this information asap, this has not happened. 

Please help me solve this issue. 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 2022-03-07 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: Nelnet, Inc.
State: FL

Complaint narrative:
at this time, XXXX XXXX, the living woman and consumer protected by federal law is writing the request in regards to errors that have not been updated nor deleted off my consumer report. It is a fact that the US DEPARTMENT OF EDUACTIONS NELNET has not proven, validated any facts regarding my written consent given to them or any permissible purpose to report on my consumer report. I NEVER GAVE CONSENT so how can NELNET overturn me the consumers decision, this is a identity theft act and violation. If i did not consent this is in fact identity theft. Pursuant to 15 US code 1681B you MUST HAVE WRITTEN CONSENT FROM THE CONUSUMER.NELNET has been sent by certified mail showing signature confirmation. In addition, XXXX continues to verify the information " accurate '' in violation pursuant to 15 US Code 1681AE, verifying information with public sources, family, friends, can not be factual, unless coming from the CONSUMER, XXXX, which in this case HAS NOT. The information needs to be deleted immediately. a Federal Claim is pending for violations under the US Codes and unlieable rights. NELNET IS IN RECEIPT OF DEBT VALIDATION LETTER also requesting the following pursuant to the fdcpa laws of requeting documentation to prove non ill will toward the situation in hopes of correcting thereof. Nelnet XXXX wa asked to provide ... .I am requesting the following from [ DEBT COLLECTOR ] : 1.Name and address of alleged creditor. 


2. Name on file of alleged debtor. 



3.Alleged account number or numbers 4.Address on file for alleged debtor. 


5.Amount of alleged debt. 



6.Date ( this alleged debt became payable ). 

7.Date of original charge or delinquency. 



8.Was this debt assigned to a debt collector or purchased? 



9. Amount paid if debt was purchased. 



10. Commission for debt if collection efforts are successful. 

However they responded with the attachments below, and without nay factual validation or any contract ties to myself and nelnet. We have none. and if so please request the ledgers the on and off ledgers pertaining to this account showing the bookkeeping. as well a any tax forms copies. NELNET can not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This account was charged off during a national disaster and should not have been charged off being this account purchase was involved in an auto accident and GAP protection was held up due to covid 19 and this result on my credit report is damaging on my credit. 
Also to include.. I am Writing today because during my quarterly review of my accounts listed on my credit report, I noticed that this account was charged off with XXXX. 
I am requesting that your company please forward me a copy of the 1099-C that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$XXXX}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: NJ

Complaint narrative:
I, XXXX XXXX am writing this complaint under no influence of any third party agency. Please see the attachments below as it contains my complaints and request.

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