vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-24 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: NV

Complaint narrative:
On XX/XX/2023, Experian charged off the XXXX XXXX account # XXXX. Its reports XXXX Now XXXX XXXX XXXX not issue the 1099-c to me. It is now considered a certificate of indebtedness. A charged off debt is now considered income according to the IRS publication. Income can not be reported on my profile. I have sent XXXX XXXX XXXX XXXX my opt out form which is attached. Please update the account and payment history as paid as agreed.

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 2023-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I repeatedly requested my account be closed. As of this date my account remains open. 
I made a payment for XX/XX/2023 for fear I would be charged late fees and penalties Please close my account immediately. 
Please submit on time never late payments to the credit bureaus.

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 2023-12-24 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: TX

Complaint narrative:
On XX/XX/2023, Experian put erroneous information on my credit report. When I inquired about the information I was told it was from a doctors office. The company however, is called the XXXXXXXX XXXX XXXX XXXXXXXX and the total amount is for {$1700.00}. I disputed the amount, advised it was not mine, and requested any documentation proving that this was my account. I also provided documentation that my identity have been stolen. Has previously put a block on my credit report and usage of it. Despite all of this information Experian advised this was my account but provided no information to confirm.

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 2023-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I asked for my payment to be spilt, {$150.00} in the lesser due account and {$250.00} in the higher balances account. I got crickets. They did not respond to my request. 
This morning I ask why that didnt happen and they told me because I didnt tell them. 
I told the to take it up with the CFPB as I have filed a complaint. Then they actually started trying to help 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 non-monetary relief
Consumer complaint received 2023-12-24 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: EQUIFAX, INC.
State: AL

Complaint narrative:
My name is XXXX XXXX I have called these companies ( XXXX, XXXX ) several times to ask how these inquiries were reported to my credit report without my knowledge only to tell me that they don't have any of my information on file with them. 15 U.S.C Subsection 1681 which states " ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies states " ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. This is fraud and these companies are wilfully violating my rights as a consumer. Equifax, XXXX, XXXX do not have my consent to furnish this information and surely do not have my written consent. Any consent to Equifax, XXXX, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked.15 U.S. Code 1681e - Compliance procedures states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax is not maintaining reasonable procedures. I am seeking compensation for all violations against the companies, and the reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My address is incorrect Credit Report Identity theft Statement : Identity theft means a fraud committed or attempted using the identifying information of another person without authority. Anything added to your report without your written consent could be considered Identity theft 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. second time putting them on notice. ignorance of the Law is not an excuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 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: SC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information 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 2023-12-24 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: SC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
my birthday is fairly close to XXXX, as such i've received XXXX Amex giftcards between XXXX and XXXX, where normally ive been able to add said cards to my digital wallet. that has not been the case with these. inconvenient, but fine because the assumption wass i can just use the card # 's and enter them manually for an online merchant. this is not the case. the merchant will pre authorize an amount ( an amount that never drops off ) and decline the purchase asking me to contact my issuer. Ive contacted Amex XXXX times about the inability to add the cards to XXXX XXXX, the pre authorizations that dont drop off even after 30 days, and being unable to use the card at online merchants that accept AMEX. Each time their solution has been to " keep trying ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 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: MN

Complaint narrative:
I have tried twice now to enroll in Auto-Pay with ED Financial , my student loan servicer. I just submitted a third request today. While I caught the fact that the auto-pay didnt process in time for the first two payments to be made manually, I missed the XXXX payment deadline because I was relying on the auto-pay function. I also have not received the interest rate reduction associated with the auto-pay function. 

The chat help box simply informs me to enroll again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 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: SC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information 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 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
in accordance with the Fair Credit Reporting Act the creditors have violated my rights under 15 USC 1681 section 6 o 2 states that I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 2023-12-24 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: NJ

Complaint narrative:
Dear Sir/Madam : For no explainable reason, Experian CONTINUES to decrease my XXXX score with NO NEGATIVE reporting on my credit Report!. I went from having a XXXX credit score on or about XX/XX/2023 to a XXXX credit score on or about XX/XX/2023, THIS MAKES NO SENSE!!! All of my bills are paid on time, I have nothing negative on my credit report and I traded in my vehicle ( XXXX ) for a 2023 model and my payment increased about {$15.00} per month, NOTHING ELSE! I financed with the EXACT same company, XXXX XXXX and everything is the same. These credit reporting agencies XXXXXXXX XXXX XXXX NOT be allowed to INTENTIONALLY lower your credit score that FORCES the consumer to pay HIGHER interest rates and the credit reporting agency may benefit Financially from there illegal actions.

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 2023-12-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: FL

Complaint narrative:
I received a notification that this company has placed an account on my credit on XX/XX/.. I have no idea who this company is. All I know is that it has something to do with the state of XXXX. I have never lived in XXXX  nor have I applied for anything in XXXX. I never completed an application or rented anything in this state. I live in a XXXX, been in XXXX  my whole life. I have no idea how my information was even provided to you all. I am demanding the account to be removed from my report immediately this is fraud. You should find whoever opened this account and go after them. I also never received information about an account being opened in my name which is against FCRA failure to provide verification of a debt. Remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 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: AL

Complaint narrative:
Name of the company that reports late payments : XXXX / Account number : XXXX. 

XX/XX/60 in arrears, Not Correct. 

Remove Late Payments

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 2023-12-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
On the evening of XX/XX/2023, at XXXXXXXX XXXX, I was notified via email that a bank account had been opened in my name at M & T Bank. I did not initiate the opening of this account. The email was sent from XXXX. In response, even thought it appears to be a genuine account, I forwarded the email to M & T 's designated email address for reporting phishing attempts and took no further action. My suspicion is that the bank may have done this as part of a public relations campaign in hopes that many people would overlook it and keep the accounts open.

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 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: TN

Complaint narrative:
Student loan forgiven and received letter from Mohela. When I sign into dept of Ed and Mohela my balance is XXXX. Disputed with all credit bureaus and they send back results showing still have balance of XXXX on my credit report. I need this updated to XXXX balance please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCalla Raymer Leibert Pierce, LLC
State: GA

Complaint narrative:
McCalla Raymer Leibert Pierce , LLC, its Managing Partner, Attorney XXXX XXXX XXXX ( Respondents ) alleged Complainant default on his loan with XXXX on and about XX/XX/, XX/XX/XXXX  and XX/XX/XXXX  without and proof or verified the allegations by their client XXXX before acting. Even if was true that Complainant was in default as alleged, it does not give XXXX a right to willfully and intentionally break State Laws, Georgia Laws, Federal Laws, Statutory Laws, and Law that were enacted by congress.

Respondents violated Regulation F, Violation of U.S. Code 1692c Communication in connection with debt collection that violated the Consumer Financial Protection Bureau, the Federal Trade Commission [ Federal Fair Debt Collection Practices Act ( FDCPA ) ], Georgia Fair Business Practices Act ( FBPA ) and Georgia Collection Laws. 
XXXX XXXX, Defendants communication violated the Federal Debt Collection Practices Act, 15 U.S.C. 1692e. Respondents admitted to violating State Laws, Georgia Laws, Federal Laws, Statutory Laws, and Law that were enacted by congress in Georgia and admitted Respondents are exempt from prosecution, " Immunity ''. Congress did not say laywer who represent consumers are exempt from prosecution, " Immunity '' The XXXX is a consumer protection stature which created the Consumer Financial Protection Bureau. The Bureau enforce its XXXX authority over debt-collection attorneys engaged in litigation activity is fully consistent with this purpose. Respondents have litigated a case in the XXXX XXXX and XXXX is ongoing in the XXXX XXXX XXXX XXXX XXXX. 
Respondents have admitted to litigation and the XXXX can enforce its authority over the debt-collection attorneys engaged in litigation activity is fully consistent with this purpose. Because the statute is clear and Respondents have admitted to litigation, the XXXX can enforce its authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 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: TN

Complaint narrative:
Student loan forgiven and received letter from XXXX. When I sign into dept of Ed and XXXX my balance is XXXX. Disputed with all credit bureaus and they send back results showing still have balance of XXXX on my credit report. I need this updated to XXXX balance please.

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 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Student loan forgiven and received letter from XXXX. When I sign into dept of Ed and XXXX my balance is XXXX. Disputed with all credit bureaus and they send back results showing still have balance of XXXX on my credit report. I need this updated to XXXX balance please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 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: TN

Complaint narrative:
Student loan forgiven and received letter from XXXX. When I sign into dept of Ed and XXXX my balance is XXXX. Disputed with all credit bureaus and they send back results showing still have balance of XXXX on my credit report. I need this updated to XXXX balance please.

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 2023-12-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BDF Partners, PC
State: GA

Complaint narrative:
Barrett Daffin Frappier Turner & Engel , LLP is a debt collection agency and violated State Laws, Georgia Laws, Federal Laws, Statutory Laws, and Law that were enacted by congress in Georgia and admitted Respondents are exempt from prosecution, " Immunity The CFPA can enforce its authority over the debt-collection attorneys engaged in unlawful activity that is fully consistent with this purpose.

Respondents violated Regulation F, Violation of U.S. Code 1692c Communication in connection with debt collection that violated the Consumer Financial Protection Bureau, the Federal Trade Commission [ Federal Fair Debt Collection Practices Act ( FDCPA ) ], Georgia Fair Business Practices Act ( FBPA ) and Georgia Collection Laws. 
XXXX XXXX, Defendants communication violated the Federal Debt Collection Practices Act, 15 U.S.C. 1692e. Respondents admitted to violating State Laws, Georgia Laws, Federal Laws, Statutory Laws, and Law that were enacted by congress in Georgia and admitted Respondents are exempt from prosecution, " Immunity ''. Congress did not say lawyer who represent consumers are exempt from prosecution, " Immunity '' Respondent knowing and intentionally published untrue and derogatory information concerning Complainant financial condition, to wit, that Complainant willfully failed or refused to pay his mortgage as agreed with Respondent Client " XXXX ''. Complainant suffered humiliation, and embarrassment when Respondent published false statements about Complainant refused to pay and was in default on his loan, on and about XX/XX/2017, Respondent attempted to collect {$180.00}, XXXX. XXXX that is factual incorrect. 
There is a connection between XXXX XXXX XXXX XXXX XXXX XXXX, Managing Partner, Attorney XXXX XXXX XXXX, Barrett Daffin Frappier Turner & Engel , LLP and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation