vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-29 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: ACS Education Services
State: TX

Complaint narrative:
So ACS who is Now operating As Conduent, Has Been Updating my account Fraudently on a loan they no longer service. My loan has been brought out of default status. They can not reflect on my account negatively after default loan rehabilitation. Also They have all incorrect contact information on my credit report you are unable to contact this servicer. This Is Misleading. They don't have any valid contact information. I want to know who is updating my accounts negatively. XXXX point drop from their reporting. This account needs to be removed. 

Information on My report : ( Belongs To ACS Now Conduent ) Phone number doesnt work. No Notification of new contact information. https : //www.conduenteducation.comXXXX US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

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

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

15 U.S.C 1681 Section 604 A Section 2 it Also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-12-29 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: AZ

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

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

15 U.S.C 1681 Section 604 A Section 2 it Also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
Good morning my name is XXXX XXXX and I'm writing to report a collection agency trying to collect a debt for XXXX XXXX. 
I wrote to XXXX XXXX in the past requesting validation of the alleged debt and I never received anything from then, now almost XXXX XXXX later Radius Global Solutions LLC sent me an email and a letter through the mail asking for payment. 
I been through complete XXXX trying so hard to clean and restore my credit, even my unemployment benefits were stolen. I had to do an XXXX verification process to prove my name Even after all of that I didn't get paid Please help me to correct this situation, is causing me tremendous XXXX XXXX XXXX  I can't believe these companies don't verified the information before they harass people.

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 2022-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
On XX/XX/XXXX I purchased flights from XXXX XXXX to travel in XX/XX/XXXX. XXXX cancelled my flights and I had to book a hotel and another flight for my husband and I with another carrier all on my own, with 0 help from XXXX for any of it. 

However, I was told by XXXX that I would receive a refund for my flight, since it was cancelled and I was told to wait on it. I waited, followed up and waited again and I still have not been refunded. 

I went back to Bank of America online to attempt to dispute the charge but there is now no way to do this. So now, I am attempting to dispute the charge for the tickets here, as my only recourse. I have documents attached showing my purchase on XXXX and how I had to get another flight and how the XXXX flight was cancelled. I would really like to be refunded for this since I could not use my flight and XXXX ( who is already in so much trouble regarding this same issue ), will not help me to make this right. 

Thank you, 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 2022-12-29 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello, I am writing because, I sent these companies letters for over 2 months disputing what they have on my credit report and the amount that some companies are saying I owe them and I still have not received any corrections to my account. They had a time to respond and they didn't and it should be removed. Also all XXXX credit bureaus are not even reporting the same thing and is doing an injustice to me. please help me clear this up because what they are doing is unjust and wrong.

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 2022-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: CO

Complaint narrative:
Enrolled in AUTOPAY to pay FULL BALANCE every month on the XXXX. Payment did not come out yesterday. I phoned Elan Financial yesterday XX/XX/22 to ensure everything would work. Nothing was paid. Agents disconnected the call or hung up on 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 2022-12-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: LA

Complaint narrative:
I have a Derogatory remark on my credit score. Showing that Jefferson Capital Systems LLC has 2 accounts one. For {$8000.00} and one for {$10000.00}. It shows the original creditor to be XXXX XXXX. I contacted XXXX XXXX and they told me they do not go to outside collection agencies and the amount I owe is substantially less than what is being shown. The account was opened on XXXX. It did not show on my credit until XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Background : I have been a loyal customer to Wells Fargo bank for over 22 years, and have had a preferred checking account and a mortgage. 
- on XX/XX/XXXX, I paid off my mortgage in full - on XX/XX/XXXX, Wells Fargo applied early charge to my checking account of {$15.00} Unfair Customer Treatment : - on XX/XX/XXXX, Wells Fargo immediately charged my checking account {$15.00} fees despite that I get free checking during that month for having mortgage - Wells Fargo takes 24 hours after receiving the fund to show transfer fund to the account! 
- Wells Fargo takes 3 full business days for bank to bank money transfer! Other banks take one business day for money transfer! 
- Accordingly, Wells Fargo charged my account {$35.00} fees for OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/27 {$150.00} XXXX XXXX $ TRANSFER 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 monetary relief
Consumer complaint received 2022-12-29 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: SC

Complaint narrative:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a XXXX  party nor was it filed in error. 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 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
XXXX currently is reporting under CARRINGTON Mortgage Services that I have a 120-day late payment in XX/XX/XXXX and a 30-day late payment in XX/XX/XXXX ; both are incorrect and should not have been on the report to begin with. 

I initially filed a dispute to this item earlier this fall and was told by XXXX that they have no control over what they are reporting but rather they have to report what the creditor tells them to report -in this case CARRINGTON Mortgage Services .

I have spoken to CARRINGTON Mortgage Services on several occasions regarding this issue and each time I am told that this reporting discrepancy should have been resolved since the other reporting agencies have already removed these erroneous late payments. 

These incorrect late payments are still being reported by XXXX and it is currently keeping me from my correct and proper credit score and status. I need to turn to you because I can't determine which one of these parties is actually responsible for removing these items from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I've spoken to numerous reps at this company about this account. This account was included in a XXXX XXXX XXXX  that was filed and ordered by the court in XXXX. In addition to that this same account was added to another XXXX XXXX XXXX that was filed on XX/XX/XXXX. When the account was initially listed in the first case it showed as " pays as agreed '' As of today the account is listed as " charged off profit loss ''. This is incorrect. 

The company name is : 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 non-monetary relief
Consumer complaint received 2022-12-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
XX/XX/2022 Someone applied for a credit card using my name and SSN. 
A credit report was pulled and I was informed by my ID Theft - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29 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: GA

Complaint narrative:
Dear CFPB, I am filing a complaint against Equifax credit bureau, for reporting inaccurate & erroneous information in my credit reports & files. I have tried numerous times to resolve these issues to no avail. In some instances they have agreed to remove inaccurate, erroneous, and outdated information such as the fraud statements and misspelled names and bad addresses and bogus employers, I never worked for. My most recent request to remove the bogus information was XXXX and XXXX of this year. The erroneous information is still in my file although they said it was removed. 

I am also filing the complaint against XXXX the the same erroneous Public Records information which was not verified and should be deleted permanently. they claim was verified XXXX, but wasn't see attached Opt out letters dated before that date. 

Also the inaccurate employnent American verified XXXX & XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
TD Auto Finance XXXX XXXX XXXX XXXX 
Balance is incorrect - Shold be XXXX Dates are incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: CORELOGIC INC
State: SC

Complaint narrative:
This should serve as a written notice to CoreLogic that I XXXX XXXX wishes to put a security freeze on any information on my 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 explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FISERV FINXACT CORE
State: FL

Complaint narrative:
MY NAME IS XXXX XXXX MY BUSINESS NAME IS XXXX XXXX MERCHANT NUMBER, XXXX XXXX I CONTACTED MULTIPLE TIMES WITH THE XXXX COMPANY TO GET MY MONEY BACK. THEY GIVE ME A FINAL SOLUTION TO GET MY MONEY BACK. THE CLIENTS, AND THEY DID NOT WANT TO DO IT, I ASKED THAT THEY SEND ME A CHECK WITH THE FUNDS ALSO THEY DID NOT SEND IT TO ME, THEY TOLD ME THAT I HAD TO WAIT UNTIL 2 MONTHS TO RELEASE THE FUNDS TIME PASSED AND I HAVE WAITING FOR MORE THAN 7 MONTHS AND I DID NOT THEY GIVE POSITIVE ANSWERS, I ASKED THEM IF THEIR INTENT IS TO WANT TO STEAL THE MONEY, THEY DID NOT GIVE ME AN ANSWER, I NEED TO KNOW WHEN THEY WILL GIVE ME THE MONEY, AND TRIED TO WAIT CALMLY BUT I HAVE NO POSITIVE ANSWERS, IT IS NOT NECESSARY TO LOOK FOR A LAWYER AND SUE THE COMPANY FOR FRAUD BEFORE A JUDGE, SINCE WHAT THEY HAVE LET ME KNOW IS THAT THEY DO NOT HAVE THE INTENTION OF SENDING ME THE FUNDS TO MY POSTAL ADDRESS, NOR MAKE A REFUND TO CUSTOMERS,,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SLM CORPORATION
State: LA

Complaint narrative:
I have a Derogatory remark on my credit score. Showing that XXXX XXXX XXXX XXXX has 2 accounts one. For {$8000.00} and one for {$10000.00}. It shows the original creditor to be Sallie Mae. I contacted Sallie Mae and they told me they do not go to outside collection agencies and the amount I owe is substantially less than what is being shown. The account was opened on XXXX. It did not show on my credit until XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX XXXX this complaint. The stuff on my credit report is wrong.

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 2022-12-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Affirm Holdings, Inc
State: LA

Complaint narrative:
Someone fraudulently opened an Affirm account on XXXX to make a {$60.00} purchase using my identity on XX/XX/2022. Affirm will not tell me what the purchase was for. I contacted XXXX to find out what the purchase was, but they could not tell me because the account was opened under a different user account. I never received a {$60.00} item from XXXX, and I have no idea what was purchased. I tried to dispute both the fraudulent account opening as well as the fraudulent charge, but Affirm denied my dispute. I can not dispute the purchase on XXXX because it was made under a different user 's account. Affirm will not allow me to close the account unless I pay them for the fraudulent charge, so whoever opened it can continue to make charges in my name. Affirm placed me in collections and are negatively impacting my credit report. I absolutely refuse to pay for an item that was purchased under a fraudulent account opened under my name. I am disgusted that Affirm continues to bully me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello, I am writing because, I sent these companies letters for over 2 months disputing what they have on my credit report and the amount that some companies are saying I owe them and I still have not received any corrections to my account. They had a time to respond and they didn't and it should be removed. Also all 3 credit bureaus are not even reporting the same thing and is doing an injustice to me. please help me clear this up because what they are doing is unjust and wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello, I am writing because, I sent these companies letters for over 2 months disputing what they have on my credit report and the amount that some companies are saying I owe them and I still have not received any corrections to my account. They had a time to respond and they didn't and it should be removed. Also all 3 credit bureaus are not even reporting the same thing and is doing an injustice to me. please help me clear this up because what they are doing is unjust and wrong.

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