vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-27 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: CA

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities 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 2023-12-27 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and fraudulent activities associated with the following accounts. I am displeased with this discovery and insist on the prompt removal of these fraudulent 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 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-12-27 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Associated Credit Services, Inc.
State: CA

Complaint narrative:
Received and a bill dated XX/XX/2023 stating that they are trying to collect a debt on behalf of XXXX XXXX XXXXXXXX. for the amount of # XXXX. 

I responded with a written letter dated XX/XX/2023 ( XXXX tracking # XXXX ) requesting : 1 : Notice of Assignment ( NOA ) from original creditor to Associated Credit Services ( ACS ) regarding alleged debt. 
2 : If they purchased this debt and for how much.

3 : Name of person with first hand knowledge about the debt at ACS.

4 : What due diligence did ACS conduct to verify the legality of the debt.

5 : If they are in possession of my original security instrument ( contract with XXXX XXXX ). 
6 : Legal relation ship between ACS and me and/or contract and terms of such contract if any.

7 : Evidence of my agreement with XXXXXXXX XXXX. 

ACS responded to XXXX of my inquiries only ( A copy of agreement between me and XXXX XXXX  ) and ignored all other inquiries. 

I responded with another letter dated XX/XX/2023 requesting same information in my previous letter. 

ACS continued to call my private tel # and leaving messages. 

I sent a seize and desist letter dated XX/XX/2023 which ACS ignored and continued to contact me. The last call was earlier today at XXXX XXXX  from tel. # ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: IL

Complaint narrative:
I've provided all essential documentation and I urgently request a detailed review of this situation. These unauthorized inquiries on my credit report are a source of great concern for me.

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 2023-12-27 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: Paypal Holdings, Inc
State: MI

Complaint narrative:
Had an unauthorized charge through PayPal. Called the company and got redirected to open my bank account and they removed almost all our money from our accounts. Was showing my account got credited a wrong amount and I had to pay them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CO

Complaint narrative:
My name is XXXX XXXX. I am refusing to pay {$170.00} the amount that you are requesting and stating that I owe. I have on several occasions attempted to contact XXXX. I have written to them on four occasions in writing concerning this issue with no response. I did not have service with XXXX in XX/XX/XXXX. I cancelled the cell phone service in XX/XX/XXXX, I have not used their service and they were billing my credit card, when I cancelled my credit card in XX/XX/XXXX. 

I called their customer service line several times to cancel the service for the phone number XXXX. Which I have not used phone service with XXXX since XX/XX/XXXX. XXXX company would not help me because I did not know the pin to the phone. I provided my email which is XXXX, and the phone number. I was sent an email, with a code, however the code would not work and no one at their company could assist me. 

XXXX continued to bill my credit card which is wrong. I asked to cancel the service in XX/XX/XXXX. Yet XXXX XXXX continues to bill and say that I owe them, and I do not. I asked Please cancel the phone service for XXXX. On XX/XX/XXXX, I asked my credit card company, XXXX XXXX to stop the payment from going through, because I no longer had service with you. XXXX actually owes me money for two months billed with no service. 

I am going to Contact the NEWS to get help, because this company continues to send me to collects for a bill and a collections company and I did not have service with your company. Please, please stop sending me bills. 

I still continue to receive email bills from your company with double the amount. I do not owe you any money and please stop sending me bills. This is a written request, XXXX letter, XXXX letter and now XXXX and XXXX letter asking you to stop billing my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Fundo LLC
State: PA

Complaint narrative:
stop threatening me over a debt owed which has been taken care of with XXXX  payments!!! XXXX XXXX XXXXXXXX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
hi my name is XXXX XXXX on XX/XX/XXXX i was call to get a settlement check from my lawyer later on that day i ask my fiance to please deposit the check on his account because i was gon na save this money for XXXX XXXX gift on the XXXX, the very next day he check to see what was the status on the check ; only to findout the CitiBank closed his account he call and ask why the di that they responsed was he forgot to sign the back but i did, he ask so where the check they respond they holding it till they speak to the person who wrote the check I call my lawyer and we call not one time but a few times requesting to relesed the money even the branch XXXX call but all they do is give XXXX  the run around we be calling every week, and we get different answer the last call on XX/XX/XXXX we was told to go to the branch in CT and bring our ID and thats the only way we get it we did that we drove to XXXX XXXX XXXX XXXX ct XXXX and spoke to XXXX XXXX XXXX who call the fraud dep and spoke to a person there and she ask if we had ID '' XXXX he tell her yeah and they drove XXXX hours away we was told to wait 7 days that they will write a check and MAIL IT TO ME its XXXX XXXX XXXX  now this XXXX  i call and every time is a new story i was told that they keeping the moneyand i could claim it in 5 years im comfused at this point i thing all this is a scam please help me not sure what else to do.

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 2023-12-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
PLEASE SEE ATTACHED : NOW RESOLVED BY DATA FURNISHER A charge off is considered a certificate of indebtedness which means it is income and must be removed. 

I recently came across information related to charged-off amounts and their implications under the Internal Revenue Service ( IRS ) regulations.

According to the IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and, therefore, eligible for removal from the records. In light of this information, I kindly request XXXX XXXX 's assistance in reviewing the status of the charged-off amount associated with my account. 

Additionally, a cease and desist any and all activities related to the use and disclosure of my consumer information, as allowed under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. As a federally protected consumer, I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, that I may have previously given XXXX XXXX under the provisions of 15 U.S.C. 6802.

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 2023-12-27 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please see attached documents. Do not close this coamplaint stating it is not me. I am a natural person and 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 non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Trans Union is blocking my legal access to my credit report. This is causing serious issues with my life. Spoke with Trans Union again on XX/XX/23 explained the situation and they removed a freeze off my account an guaranteed that I should be able to access my account. Again Trans Union lied. If this is not resolved immediately I will seek counsel and sue Trans Union

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 2023-12-27 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: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/XXXX I filed a dispute totaling $ XXXXfor charges that weren't mine. 3 days later I received an email stating that the dispute was denied and with absolutely no reasoning. I contacted customer service and asked why the claim was denied and the lady couldn't tell me because there was no reasoning provided. Chime claims that they put in a rebuttal for that claim and the very next day I received another email stating that the rebuttal was denied as well with no reasoning! Again XXXX  XX/XX/XXXX I received an email stating my card was denied and I didn't know why because I didn't try to use it! I went onto my chime account to see once again the same company drained my chime account! So XXXX contacted customer service again and spoke to someone who claimed she was a supervisor, she told me she filed another rebuttal for the first claim I filed that was {$2200.00} and another claim for the newer charges totaling {$1000.00}! This is twice now my account has been freaking drained and I am left with absolutely no money nor can I get a straight answer from these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: CA

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities 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 non-monetary relief
Consumer complaint received 2023-12-27 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: CA

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX making the report is NOT included on the consumer reports. Yet XXXX, XXXX & Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: KS

Complaint narrative:
I was enrolled in REPAYE prior to the end of the COVID-19 forbearance ( see documentation provided ). Instead of automatically moving my loans into the SAVE plan, MOHELA placed them in the Level plan ( see documentation provided ). I am now forced to pay {$2000.00} per month indefinitely until they convert me to the SAVE plan payment of {$520.00} per month. MOHELA has provided no timeline for when this change will take place. The MOHELA representative I spoke with today told me I am responsible for all payments until they can convert me to SAVE ( ie, correct their error ). MOHELA is stonewalling me, prohibiting my access to an income-based repayment program I was approved for and am currently eligible for. This is fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: NJ

Complaint narrative:
Hello the accounts below are negatively reporting on my credit report without my knowledge or consent. I have reached out to the credit bureaus and companies. I'am seeking these accounts be removed from my Transunion account XXXX 

Hard Inquiries- Name Requested On 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 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

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 2023-12-27 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: TX

Complaint narrative:
I have made monthly payments on time since the required payments started again in XX/XX/2023. I have been making each payment on time and have never missed any payment. However EdFinancial is sending the entire monthly payment for the month of XXXX to interest and nothing to principal. This is incorrect and hurts the student loan payment because the entire payment is going to interest and not paying down the loan. This is an unfair and unlawful practice to a student loan borrower. If the monthly payments are all going to interest and then accrued interest is also being applied, the loan balance is constantly increasing and never decreasing. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: AmeriCollect
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened a high yield savings account with capital one. I transferred funds from XXXX XXXX savings account to capital one. Funds kept getting sent back to firefighters first account. XXXX XXXX  only allows a certain amount transfers a month. Capital one closed my account. They are now holding XXXX dollars of my money. They have given me no time frame of when my money will be sent back or why my account is under investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
I was notified that somebody checked my credit history without consent, and then was sent a credit card from military star for a credit line of {$7100.00}. I never applied for this card nor did I authorize them to run a credit check nor send me the card nor open an account.

Company response to consumer: Closed with explanation