vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Fraudulent Account Possible Financial I send the FTC affidavit with the police reports and this account listed as fraudulent and I demand to be removed right away. i also filed a complaint with the XXXX for the not removing this account in XXXX and again in XXXX. Those accounts were not removed within the time allowed by law.

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 2023-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: TX

Complaint narrative:
I purchased a dog bowl from XXXX XXXX and I used XXXX. It was 4 payments of {$36.00} each for a total charge of of {$140.00}. 

Trot Pets went out of business and never sent me the product. I provided all of this documentation to XXXX several times and they sent my account to a collection agency. I did not pay them because I never received the product. 

The 4 charges go XXXX  were done through my credit card company ( XXXX ) who also reversed my charges to XXXX because I never received my dog bowl because the company went out of business. 

I just received notification today that True Accord Collection Agency has finished their investigations and I am responsible. 

Again-I did not receive the merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There is incorrect, inaccurate, and erroneous information on my Experian report. This erroneous information is severely damaging my credit, and preventing me from obtaining credit. My consumer rights are being violated. The accuracy, fairness, and privacy of information in my credit report is not being upheld.

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 2023-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I Sent a validation a debt letter to LVNV Funding LLC and they failed to send in the requested documents that are by law required to be disclose if requested by law.. Instead they sent in a made up documents claiming validation of debt..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I purchased a dog bowl from XXXX XXXX and I used Affirm. It was 4 payments of {$36.00} each for a total charge of of {$140.00}. 

Trot Pets went out of business and never sent me the product. I provided all of this documentation to Affirm several times and they sent my account to a collection agency. I did not pay them because I never received the product. 

The 4 charges go affirm were done through my credit card company ( XXXX ) who also reversed my charges to Affirm because I never received my dog bowl because the company went out of business. 

I just received notification today that XXXX XXXX XXXX XXXX has finished their investigations and I am responsible. 

Again-I did not receive the merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: CA

Complaint narrative:
On a XXXX call on their recorded lines at transunion was left to be willfully hung up on after explaining to the supervisor the FCRA protections for inquiries and XXXX XXXX account fraudulently being reported. She decided to hang up and go silent. They have a police report on file as well as the FTC report and I have attached all documents including address and ID confirmation to this complaint to ensure to no reason to not handle this CFPB complaint. I've also attached a court ordered document from the illegally reported involuntary dismissal of identify theft public record directly from the XXXX. XXXX under XXXX XXXX code. two items below violating FCRA laws ( 605b must be blocked no later than 4 days of receipt which they verified receiving XXXX ) *Public Record : Reference # XXXXXXXX XXXX XXXX involuntary dismissal due to ID theft related accounts already removed. Direct letter from Judge. *Account : XXXX XXXX {$0.00} balance Also protected by FCRA if any information has proof to be misreported it can not be listed on any consumer report. I've attached the other 2 agencies full reports to show all these items in question are verified as fraud and not reporting. I am seeking prosecution for the willful ignoring of government laws and paperwork.

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 2023-04-17 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: CA

Complaint narrative:
On a XXXX call on their recorded lines at transunion was left to be willfully hung up on after explaining to the supervisor the FCRA protections for inquiries and XXXX XXXX account fraudulently being reported. She decided to hang up and go silent. They have a police report on file as well as the FTC report and I have attached all documents including address and ID confirmation to this complaint to ensure to no reason to not handle this CFPB complaint. I've also attached a court ordered document from the illegally reported involuntary dismissal of identify theft public record directly from the Judge. Protection under 303 BK code. two items below violating FCRA laws ( 605b must be blocked no later than 4 days of receipt which they verified receiving XXXX ) *Public Record : Reference # XXXXXXXX XXXX XXXX  involuntary dismissal due to ID theft related accounts already removed. Direct letter from Judge. *Account : XXXX XXXX {$0.00} balance Also protected by FCRA if any information has proof to be misreported it can not be listed on any consumer report. I've attached the other 2 agencies full reports to show all these items in question are verified as fraud and not reporting. I am seeking prosecution for the willful ignoring of government laws and paperwork.

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 2023-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
I had a credit card with Aspire for a year and one month. I have always made my payments on time and whenever I was unable to make a payment on time ( due to COVID-19 and the current financial hardships of this country ) I informed the company well ahead of time. I most recently made two payments in XXXX XXXX XXXX. I received a notification from a credit report app I use in connection with my checking account that stated my Aspire account was closed. I never received a notice from Aspire with a warning that my account would be closed due to it being {$30.00} over the limit. I have never heard of Aspires policy of closing an account that has been over the credit limit for some time. I have contacted Aspire via phone various times in regards to late payments or the status of my account and I was never informed of any of this. Even when I informed them of a payment that would be received late, they never gave me a heads up that this could be a possibility. I contacted Aspire today ( XX/XX/2023 ) and they confirmed the closure of my account and then decided to inform me of the closure policy. They said this account could not be reopened but they could submit a request. I declined the request due to their bad business and my distaste for the lack of communication. I am looking to have this removed from my credit report, as I know this account closure can negatively affect my report and score. Aspire claims I still owe about {$300.00} but I refuse to pay for an account that I will no longer have access to. I made payments in XX/XX/2023 that were completely disregarded and I will not continue to spend my limited money on this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: GA

Complaint narrative:
Hello, I sent in multiple letters to equifax, XXXX, XXXX XXXX  and the credit companies are not complying with their own policies in a timely matter. 

XX/XX/2023 and also XX/XX/2023 I sent a letter to all credit bureaus nothing was done {$3700.00}, {$710.00}, {$250.00} are still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I disputed a charge from XXXX XXXX, in regard to being placed in a room next to an elevator shaft. Very loud, and a nearly sleepless night. 

Capital One sent me a link to upload documentation, but their link doesn't work and the customer service isn't available. 

Capital One needs to improve their dispute process. Also, XXXX XXXX needs to not put hotel rooms next to elevator shafts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I'm trying to apply for a loan from my credit union however when they try to pull my equifax report it is reporting a freeze or error on my report. However I've called numerous times and was told each time that there was no freeze or extended fraud alert. I was told to fax my ID and social security card to resolve the issue.This has been going on over a month and I keep getting the run around.This is what is reporting on Equifax credit file status : Report Blocked For Promotional Purposes Date XX/XX/2023 No one at Equifax can give me a explanation of what this means no lender can pull my credit with equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX at XXXXXXXX XXXX - I received a phone call from ( XXXX ) XXXX stating that someone will show up to my residence, or my place of work, to provide me a lawsuit on behalf of Citi Bank. And to have my ID and SSN ready when they do. 

XXXX at XXXX - I placed a call, outgoing, to XXXX ( XXXX ) XXXX, and spoke with one of XXXX XXXX XXXX three employees. I explained I had no prior knowledge of them trying to contact me, and this is the first call ever received from them. They stated that they have been sending information to my parents, who live in NY ( XXXX in Texas ), whom would definitely let me know that I had unfinished financial issues. They also proceeded to state that Citi Bank DOES NOT place accounts into collections, until all options have been exhausted. I was scared but did say I could pay but not right now. I need time and more information. This isnt the first time someone attempted to scam me claiming its for Citi Bank. 

XXXX at XXXX - I contacted the original company I was in debt with, Citi Bank XXXX and they filed a 1099-C, back in XXXX, I believe. My debt was reported as income to the IRS. And charged-off. They have no knowledge of any third-party collection agency. 

XXXX at XXXX - XXXX contact XXXX XXXX XXXX explaining everything I just found out. They tried to explain they picked up the debt from a different third party agency, but refused to provide a name. I called back two more times, after speaking to a very rude representative, and got sent straight to hold. 

XXXX at XXXX - I placed two more calls with XXXX XXXX XXXX XXXX after speaking extensively with Citi Banks collections/Recovery Department, and politely asked for the original documentations ; original account number, the card number and what type of card, and the third party agency they received the information from. The lady, XXXX, stated [ they ] DO NOT hand out that information at all. She then refused my request for her to email me the information instead. 

That is my right to know, especially if it pertains to me, lawsuits, and my SSN floating around so freely. 

The second call, I was transferred over to the same very aggressive male representative who wouldnt let me speak, and stated they already started the dispute. I couldnt even ask them to cease and desist, before he hung-up on me. 

Im currently in business with XXXX XXXX, and they see nothing on my credit reports showing anything negative from Citi Bank, or able to verify XXXX XXXX XXXX statement of this account being in collections.

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 2023-04-17 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: DC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX, 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.

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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 2023-04-17 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: DC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX, 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.

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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 2023-04-17 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: MOHELA
State: VA

Complaint narrative:
On XX/XX/XXXX, I submitted a form to update my Public Service Loan Forgiveness Payment count. I had worked full-time for a non-profit University from XX/XX/XXXX to XX/XX/XXXX, and was eligible to have these payments count towards my payment count using the using the Temporary Waiver.

Unfortunately, my lender, Mohela, has not updated the payment count for these months. I contacted them a few months ago, and they said that it should take 90 days for the payment count to update. I contacted them again today, and they said the loans were conditional, even though the signed forms that I submitted showed that I worked more than 35 hours a week. My account number is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: MN

Complaint narrative:
On XX/XX/XXXX I made a online payment of {$270.00}. When I logged onto my account in XXXX to make my XXXX payment I could see that the XXXX payment was not recorded. This was a surprise to me as I had never received a phone call, email or letter notifying me of any problem with the account. I then made another payment for both XXXX & XXXX for the amount of {$550.00}. This time I noted the confirmation number of # XXXX. Recently, I received a notice from TransUnion that XXXX had reported me late to the credit bureau XXXX Shocked ( especially at the XXXX point drop in my credit report! ) I logged onto my XXXX account and found that the XXXX payment that I had made was this time recorded but returned. Completely confused I called XXXX and asked them what was happening. I had now attempted to make XXXX payments, XXXX not even showing up and the second returned and I had never been notified of either of them missing. XXXX said that they followed normal reporting rules. 

My complaint is their reporting is incorrect. I did in fact make the XXXX & XXXX payment on time & I believe it was an issue on their server that it did not go through. Furthermore, I never had a chance to rectify the missing payment as I was never notified personally through phone, email or mail. 

I brought the account current today on XX/XX/XXXX when I called and talked to a representative. I made a payment of {$870.00}. I asked them to remove the bad credit report and they said no. My ask is they do remove this from my credit report as it's not correct and I was never notified of an issue. Also, I have brought the account current including all their fees so I feel that would be more than fair. I'm attempting to refinance a home I remodeled and their reporting has made it impossible to do so and I may lose it all together so it's a dire situation. Thank you for your time.

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 2023-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have recently purchased a home and have an escrow account through Chase bank to manage property taxes in XXXX. The escrow account paid my PRIMARY property bill late, then charged me the late fee. I spoke with Chase 3 times about this matter with no resolution. Initially I had to tell them multiple times this was the primary ( non-supplemental bill ). 

Then they said the county failed to send the bill. I called the county and they claimed otherwise ( not to mention the bill itself has a " Corelogic '' tracer number, indicating that the County did pass it onward ). The bill itself states that the mortgage company requested my tax bill.

Chase 's representative changed the story again, and claimed they paid a tax bill ( a supplementary one that we paid, as it is not Chase 's responsibility ). Oddly, they paid this small bill, but not the bill they are responsible for ( which matches the exact amount due and what they calculated we withold ). When asked why they did pay, but late, Chase claims their system scans for errors and caught the unpaid bill and paid it. 

I am in total confusion that Chase thinks I should cover this late fee. The account had the funds present for this purpose and they appear to have failed at their fiduciary duty. At this point I will write a " RESPA '' complaint as multiple phone conversations have failed to solve the problem. Chase needs to pay the late fee for their late payment of my property taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation