vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-25 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: GA

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and bankruptcy from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: MN

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The TransUnion are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : Personal Information : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MN XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/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 2022-05-25 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: MN

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The Experian are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00}

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 2022-05-25 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: MN

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The Experian are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX XXXX  Balance : {$12000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$550.00}

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 2022-05-25 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: GA

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and bankruptcy from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: PA

Complaint narrative:
On XX/XX/2022, I initiated contact to PHEAA to pay a past due bill. The representative on the phone continued to ask me repetitive questions that their automated system already asked me. The representative continued to prolong the conversation claiming that they have to ask these questions over and over again but failed to explain why they are forced to continually delay processing because of the questions to be asked repetitively. 

The representative continued to become evasive with my line of questioning and came across as sarcastic throughout the entire phone conversation. The representative then threatened to report the account to an outside agency or the Credit Bureaus if I didn't pay the late fees which I informed the representative that PHEAA would need to send me where the late fees are going and an explanation as to why and where they came to the amounts that were added. 

The representative seemed lazy throughout the entire process claiming that she was going to get the information, would put me on hold for 5 minutes or so, then come back and claim she couldn't find any information. 

Again, PHEAA should not be making light of the fact that they believe their representatives are not doing anything wrong. This scenario is a pure example of somebody who is really not qualified to be dealing with the public. This is exactly why I've given a law firm a copy of the Letter from PHEAA 's lawyers and various responses to these CFPB complaints. Interestingly, it appears PHEAA has been sued in the past for Unfair Credit Reporting practices and ultimately settled because the courts realized what corruption was taking place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: SLM CORPORATION
State: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
Amsher collection service account is on my credit report and it has not properly validated the debt according to the FDCPA. I contacted the original creditor XXXX XXXX  they agreed to remove the account but said it was owned by XXXX. 

Both Amsher and XXXX collection agencies are trying to collect on the same debt. I would like Amsher collection to be deleted from all three of my credit reports immediately for violating my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX  XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-05-25 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: EQUIFAX, INC.
State: PA

Complaint narrative:
These account I didn't apply for these are fraudulent account and i have no knowledge of these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I called Milestone about a year ago to close my account and assumed it was closed because I received a letter stating this. Then I received a call this year that my account was delinquent. I called in to close my account AGAIN and to pay whatever balance off that had been reported. I don't have this card and haven't used it so all I could provide was my social security number. I was told by the rep that my account was closed and there was no balance due. As of this week I am receiving calls again and emails that I do in fact have a balance on an account THAT IS NOT CLOSED. 

I called on XX/XX/2022 and the call lasted for 7 minutes. I repeatedly asked the rep how to pay my bill and he repeatedly told me nothing was owed and the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Reporting Attempted Fraud ( phishing attempt regarding Bank of America Checking Account '' : Received a text message from XXXX XXXX XXXX XXXX The message states as follows : " [ Service Update B.Of.A ] Your e-mail and phone number is being changed as you requested. 
If you did not make this request, please call XXXX XXXX XXXX Toll Free. ''

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 2022-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Avadyne Health Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXXXXXX XXXX  I was notified by XXXX that I had a collection filed against me from H & R Accounts , Inc. for {$520.00}, for XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I visited this E.R. late in the evening. I was checked in and gave them my driver 's license which had an old mailing address on it. After several hours of waiting and seeing no one, I left. Since then, I find out they ( XXXX ) billed me {$520.00} for no services rendered. On XX/XX/XXXX I asked H & R to send me the billing, something in writing to show what I owed for since I never received services. They said they didn't have anything, would have to request it from XXXX. I was able to login online to XXXX and it showed no services were rendered other than being checked in, and I sent this to H & R. No response. I have given H & R my current mailing address, email and phone, back on XX/XX/XXXX. They have never again reached out to give me any information. I contacted them again on XX/XX/XXXX and spoke with a XXXX XXXX who told me they still didn't have any documentation to show what I owed for, and he told me they didn't need it. I filed two XXXX  complaints against XXXX to which they never responded, and I filed one XXXX  complaint against H & R, to which they responded with " H & R Accounts ( H & R ) acknowledges receipt of the XXXX XXXX XXXX Complaint ID # XXXX filed by the consumer on XX/XX/XXXX. Due to a host of consumer protection laws governing our industry and because our response will become part of a public-facing forum for XXXX  complaints, disclosure of protected health information to address allegations will follow the minimum necessary standard. Our investigation confirms the existence of one account listed under the consumers name. The consumers account was listed with our office on XX/XX/XXXX, for services rendered by a medical service provider on or about XX/XX/XXXX. Upon placement, H & R mailed an initial collection notice to the consumer. This notice contained validation notice elements required by the FDCPA, and this notice did not come back as mail return. We have verified the account with our client and confirmed services were provided to the consumer on the date of service. The account has been marked disputed and we will send the consumer the results of our investigation for their records. Should the consumer have any questions, they can contact collection manager XXXX XXXX at XXXX. 

I want this removed from my credit report if they refuse to provide proof that I owe anything. My credit rating dropped over 30 points due to this. I pay my bills- if I received services for medical issues, I pay them. I find this to be unfair collection practices to report against someone's credit report and not provide them one piece of evidence that this amount is truly owed. I am entitled to see an invoice showing what I owe and for what services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
This complaint is regarding the student loan company Nelnet... This is a spousal co-signor loan ... and thru the years it has been been spiraling out of control.. Between continual wrong information given by the representatives and applying for the wrong programs..it had been a financial nightmare for us.. 
I would like to have my wife removed as the cosigner.. She is a XXXX worker for 28 years and is entitled to Loan forgiveness through the PSLF program as a XXXX worker If the loans were separated into 2 loans.. she would be able to have her part forgiven. 
Also to note these loans were discontinued in 2004..no notifications was ever given to us.. 
XXXX XXXX XXXX XXXX are a nightmare as you can not consolidate to Direct loans I was denied this recently This loan was originally XXXX now its XXXX... now accruing XXXX $ in interest every month... We are both in our XXXX 's now.. senior citizens

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 15 U.S.C 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 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 2022-05-25 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  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 15 U.S.C 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 2022-05-25 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.

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 2022-05-25 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: HEARTLAND PAYMENT SYSTEMS INC
State: NC

Complaint narrative:
I have been trying to pay my loan off to the XXXX XXXX XXXX for the last couple of years. I have called numerous times and constantly keep on getting that my loan has been sold to different debt collectors which keeps causing me to wait and once I get back in touch the loan is sold again to another collector I really need help because they are making it impossible for me to pay off my loan.

Company response to consumer: Closed with explanation