vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account, # XXXX, has violated my right 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 a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under on open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX, XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have an inquiry on my consumer report that should not be there " XXXX XX/XX/2020 '', it has been on my consumer report for about a month now.

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 2022-04-30 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: Mid-South Adjustment Co., Inc.
State: TN

Complaint narrative:
MID SOUTH ADJUSTMENT ACCOUNT NUMBERS : XXXX, XXXX, and XXXX. 

There are three accounts total with the same partial number. 

These are a complete violation the NO SURPRISES ACT. 

This is a violation of the HIPPA Laws. 

I never gave Mid South Adjustment a HIPPA written authorization to obtain my medical information or use them in any way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Upstart Holdings, Inc.
State: FL

Complaint narrative:
I did not take a loan out with this company and It on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax.. XXXX XXXX Acct number : XXXX XXXX N accordance with fair credit regarding act XXXX  to those account has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C section 602 A section 2 : its also states a consumer reporting agency can not furnish a account without my instructions They put a middle name on my name. I dont have a middle name and they refuse to remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have an inquiry on my consumer report that should not be there XXXX XX/XX/2020 XXXX it has been on my consumer report for about a month now.

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 2022-04-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: WA

Complaint narrative:
I purchased a bed from XXXX  using Klarna on a 12 month plan. I set up autopay and correctly added my debit card. On XX/XX/XXXX, when I had over {$1800.00} in the account, their system failed in withdrawing the funds. The error was on their end, not mine. As soon as I realized what happened, on XX/XX/XXXX I contacted customer support and was guided in turning off autopay and setting up direct payments to them through my bank. I set up for {$75.00} to be paid every month automatically from my bank. My first payment on XX/XX/XXXX was applied correctly, but my XX/XX/XXXX payment was accepted, but instead applied to the principal ( it applied to the XX/XX/2022 payment ) instead of the XX/XX/XXXX payment due. Then they sent me emails that this payment was not received. Then they sent a letter stating they would report me to credit bureaus. I contacted them through chat several times, it was escalated, and transferred to email, which went back and forth over 5 times, and I have called the customer service number twice. They have acknowledged the mistake but have failed to correctly apply my payments. After all of this, my {$75.00} payment they received on XX/XX/XXXX was again incorrectly applied to the principal ( Now XX/XX/2022 ) instead of the the next payment due. And again, after confirming they received the payment, they are now, again, telling me I missed it, and again sent me a letter saying they will report me. I have the funds. I am making a good faith effort to pay this off, and am even paying more than the amount due so I can pay it off sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

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 a account without my written instructions.

15 USC 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 2022-04-30 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:
I have submitted disputes several times to have the information for XXXX XXXX XXXX XXXX on my credit report adjusted to reflect accurate payment history and Equifax has repeatedly failed to do so. Most recently they deleted all positive Payment history on one account in what seems like an intentional act to show only negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: Convergent Resources, Inc.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act Convergent 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 a credit card account under an open-end consumer credit plan as late for and 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 2022-04-30 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( A ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than the records of convictions of crimes crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Axela Technologies, Inc
State: IL

Complaint narrative:
I received the attached communication by US Mail on XX/XX/2022. The collection agency is attempting to collect debt that is not owed by me or anyone known by me. In the attached correspondence, the collection agency threatens to report me to the credit agencies, damaging my credit. I attempted to call the company at the number provided, but a recorded message stated no one was available to take the call. As I am not involved in the debt or the property the debt refers to, I do not wish to give the collection agency any of my personal information, and I want them to desist from contacting or harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The following accounts have incorrect information with all 3 credit bureaus : - XXXX XXXX XXXX ( Account Number : XXXX ) : Has incorrect dates of first delinquency. XXXX has date of XX/XX/XXXX, TransUnion has date of XX/XX/XXXX, XXXX does not have this information. TransUnion and XXXX also have incorrect payment histories throughout their filings. 

- XXXX XXXX  ( Account Number : XXXX ) : Has incorrect past due dates starting from XX/XX/XXXX through XX/XX/XXXX. XXXX has past due days of 150 in XX/XX/XXXX, TransUnion has past due days of 120 in XXXX. XXXX has me in good standing as of XX/XX/XXXX, TransUnion has me in good standing as of XXXX XXXXTransUnion and XXXX also has incorrect payment histories throughout their filings. XXXX does not have this information. 

- XXXX XXXX  ( Account XXXX : XXXX ) : Has incorrect past due dates starting from XX/XX/XXXX until account close date. Many inaccuracies throughout payment history. XXXX 60 day past due in XX/XX/XXXX, TransUnion has 30 days past due in XX/XX/XXXX. XXXX has me in good standing from XXXX XXXX XXXX TransUnion has both 30 day and 60 days past due days in the same time span. TransUnion and XXXX also have many other incorrect payment histories throughout their filings. XXXX does not have this information.

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 2022-04-30 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: TX

Complaint narrative:
XXXX XXXX Acct # : XXXX n accordance with the Fair Credit Reporting act 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 2022-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
I wrote a check to my landlord for {$1000.00} in both the legal and numeric lines. Chase proceeded to debit my account {$2000.00}, leaving me in the negative. When I called Chase to fix this issue, Chase transferred me six times, and none of the people I spoke with would credit my account immediately. They told me it would take at least one or two business days, leaving me with no money over the weekend. 

I attempted to escalate this several times but the last individual I spoke with told me it would be at least one or two business days before a manager would speak with me, and then ended the call. 

Chase took the route that is most convenient for themselves, while I am in a hardship they created, all because they dont know how to read a check correctly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I received a charge to my bank account from PayPal on XX/XX/XXXX for {$33.00} marked XXXX automatic payment. The shipping address noted in PayPal is XXXX XXXX XXXX XXXX XXXX, NJ XXXX. I dont recognize this address and it sounds made up since XXXX is in California , not New Jersey .

I did not make a purchase from that company this year and do not recognize the charge nor the Shipping Address. I found the charge on XX/XX/XXXX and used the Report a Problem button on the PayPal app to request a refund. I still have not received an acknowledgment or reply from PayPal as of XX/XX/XXXX. On XX/XX/XXXX I called XXXX and was told that the charge was affiliated with an email address that does not belong to me. The merchant said they will process a refund in 25 to 30 days. My complaint is that PayPal allowed a fraudulent transaction on my bank account and does not respond or acknowledge my problem report and 25 days is too long to wait for reimbursement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-30 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have an inquiry on my consumer report that should not be there XXXX XXXX ( XX/XX/2022 ), it has been on my consumer report for about a month now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Under FCRA I am allowed an appropriate complete and accurate report. I have contacted Transunion by mail through the United States XXXX XXXX. For this dispute I have submitted the proper self identifying documentation ( State issued ID, and Utility Bill ). I have submitted this document several times and Transunion continues to send me stall letters staying they don't believe that it is me and " Will not move forward with the investigation. '' They claim they just mirror what is being furnished to them and that it is the creditors or collectors responsibility to provide accurate information to them. But if Transunion constantly denies me my right of an investigation then how will I possible handle this issue. These stall letters and telling me they wont do an investigation after receiving the appropriate documentation Is a VIOLATION under FCRA.

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 2022-04-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I lived at XXXX XXXX XXXX and was never late on my rent. I am a nurse and at the time was a XXXX instructor for a private school. XXXX XXXX ( which was declared a national disaster ) hit and XXXX was asked to evacuate, which I did. The school I worked for at the time got destroyed by the hurricane and I called XXXX ( the apartment manager ) and explained I did not have a job to come back to. I also asked her to go check my apartment and see if there was damage from the storm. This was a very old hotel that they turned into apartments. She stated there was water damage that resulted from coming in the windows but stated " it was not that bad ''. We discussed my problem and what I should do. Mind you I only had 1-2 months left in my lease. I would never just leave a lease. She stated she had found a women that wanted to take over my lease and reassured me not to worry. I searched for an apartment in XXXX and they sent a form to XXXX to complete to verify I owed nothing. She sent the letter and I moved into my new place. The manager is a very unprofessional person and lied to me and the women moving in. The women changed her mind at the last minute and XXXX was stuck so she has now come up with a bill AFTER she signed and sent a form stating I owed nothing. She is wrong and I would like this removed from my credit ASAP. I have sent pictures of the molded apt and the letter of a XXXX balance multiple times to the credit bureau XXXX and they will not remove it or help me in anyway. Please help d/t this is now affecting me to rent anywhere. This is crazy and makes no sense. I have a letter signed stating I owe nothing. How can she be allowed to do this to me? I have enclosed a release of rental agreement the XXXX apartment in XXXX made me get from XXXX XXXX XXXX stating that I was a good tenet and I did not owe any money to XXXX XXXX XXXX apartments which as you can see was clearly dated after I moved out. I would not have been able to rent another apartment without XXXX sending this. Please notice the move out date of XX/XX/17 and notice the date that XXXX signed and completed this document XX/XX/17 from XXXX stating that I owed no fees whatsoever for any kind or of any violations. She is now coming back saying I owe. Did she falsify a rental agreement or a bill? I sent her an email asking for this after I moved out which is dated XX/XX/17 to my new apartment complex. Please review this and help me finally resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have been paying this debt since XXXX to Navient for the student loan I took out to attend XXXX XXXX  ( a subsidiary of XXXX XXXX ). Never have I once failed to meet my part of the agreement between myself and Navient/Sallie Mae XXXX This XXXX when I tried to recertify my XXXX with Navient I was told that I no longer qualify for the program. Since the beginning of my dealings with Sallie Mae/Navient they have failed to properly apply/allocate payments and refused my instruction, or just not held their end of our agreement. First, they steered me into paying more than needed on the loan by pushing forbearance on me ; then they capitalized all of the interest on the back of the principal between XX/XX/XXXX and XX/XX/XXXX. They repeatedly tried to convince me to privatize the remaining loan balance through consolidation with the promise of lower interest-rates, which would have removed me from the loan forgiveness process. Every year they make recertification details unclear. This has resulted in increased payments, added accrued interest to my principal, and even worse; caused loss of both protections and progress toward loan forgiveness. I HAVE NEVER MISSED A PAYMENT EVEN DURING GAPS OF EMPLOYMENT, AND DURING THE ENTIRE COVID-19 PANDEMIC. I was at the brink of losing everything, and still made the scheduled payments. Navient has been sued for violation of the XXXX XXXX XXXX Reform and Consumer Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. This organization has caused financial harm to countless consumers through their illegal ( and I would say criminal ) actions. The lawsuit against them included my home state of Florida, and the for-profit institution, XXXX XXXX  XXXX which I attended from XXXX. Once again : I HAVE NEVER MISSED A PAYMENT. Now I am being told that I no longer qualify to recertify my debt-forgiveness program. That I can not continue the XXXX which I have been in for over a decade now ; and would need to make less money if I hoped to restart the clock on my student loan forgiveness program. The only parameter I have not met is default of my loan. Now it seems that my honest effort to uphold my end of this entire mess is being snubbed because I made the personal sacrifice to do the right and honorable thing despite being lied to about opportunities that would be made available to me if I would only continue forward. This is beyond reprehensible. I am asking for some assistance in pushing back against this predatory behavior. It has been a struggle to make it this far alone. I need help. Please, some resources, advice, or actual legal and monetary assistance would be greatly appreciated to help me overcome this burden. Thank you. - XXXX XXXX XXXX

Company response to consumer: Closed with explanation