vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-17 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: MI

Complaint narrative:
Hello My name is XXXX XXXX, I have been dealing with an issue with XXXX and EXPERIAN for a long time now, over 2 years. I paid an XXXX bill, and settled with them. You can contact XXXX, I have letters from XXXX showing I paid it. I even did a loan process and had to provide documents I paid this account off. The account number that I have because it was such a long time ago is XXXX. XXXX is telling me with Experian I have some type of freeze or my credit etc. and they can not update my credit report to show I have paid and settled. This has ruined my credit since 2019. I keep contacting Experian, they are stating I do not have a freeze on my report. I downloaded the app, paid for the service to unlock my credit report, still not working. I have given up on calling XXXX. I have paid many items that went into collections a while back, I paid, and settled, and all of them updated my credit report. XXXX Is stating they can not. I have no idea what is going on. XXXX has ruined my credit for many years now. I can not do anything about it. I have proof I have paid them. XXXX knows I paid them, but some how they can not update my credit report because of a freeze. There is no freeze on my credit. The balance is showing {$4000.00} but I settled. Two years ago when I filled my taxes, XXXX sent me a document to show the charge off, I had to taxes on that as well. This DEBT needs to be updated on my credit report to show settled in full, NOT UNPAID WHICH IS RUINING MY CREDIT. I am so frustrated with this. no one is helping me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CO

Complaint narrative:
I had my Federal Student Loans transferred to MOHELA in order to participate in the Public Service Loan Forgiveness ( PSLF ) program. I have submitted all relevant Employer Certification Forms ( ECF ).

Despite following all of the required steps, I am continually having my forms rejected for some random, or even unknown reason. I was actually told by a customer service representative who looked over the forms as I was on hold that, " there doesn't seem to be anything wrong with them. '' This interaction led to the form having to be " reprocessed '' and would take 90 business days. 

It is completely unacceptable to have completed documents " reprocessed '' based on errors by this company, who was selected to manage these accounts. Tax payer funds being spent on what seems to be an in ability to meet the needs of student loan borrowers ; is extremely frustrating and inconvenient. 

My forms for submitted by me directly from the National Archive and Records Administration, complete with stamps and all. There is a problem over at MOHELA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
Back in XX/XX/XXXX, i misplaced my wallet which had all my information in there including my social security card, my government-issued ID as well as my bank cards. i may or may not have left it at a bar but i, later on, got a call from the bar and was given back my wallet. Since then, i have been suffering from identity theft issues, day in and day out. in XXXX, i did a police report and i have done 2 more police reports since then. this is a troubling issue for me. 

these accounts are inaccurate and needs to be verified thoroughly US DEPT OF EDXXXX  - {$19000.00} reported XX/XX/XXXX US DEPT OF EDXXXX XXXX {$14000.00} reported XX/XX/XXXX US DEPT OF ED/XXXXXXXX - {$8000.00} reported XX/XX/XXXX US DEPT OF EDXXXX - {$17000.00} reported XX/XX/XXXX US DEPT OF ED/XXXX - {$13000.00} reported XX/XX/XXXX This account below i have no knowledge of and it needs to be verified with everything accurate because i never lived there. i have contacted them many times to resolve this XXXX XXXX XXXX- {$6600.00} reported XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XXXX XXXX A fraudulent loan company called me that I thought was legit. They offered to give me a loan that I needed at the time. I went through steps of buying gift cards from XXXX while staying on the phone with them. I gave them my account and Drivers License details ( assuming they were legit ). They asked me to check my account for a test deposit before they distribute the funds. I checked and saw the deposits ( which made me feel they were even more legit ). Once the test deposits were there, they had me refund them, on XXXX gift cards. They assured me my funds would arrive to my account by XXXX. ( My bank is Wells Fargo ). 
XXXX  came and went with no funds added to my account. I chased and called then felt the gut feeling I had been scammed. Sadly, I was right. I received notifications from my bank at XXXX saying that my claims had been processed. It took me a while to understand what had happened. I now see on my statements where the test funding came from. 
I called my bank hoping to solve the issue and nothing happened. 
I thought everything was fine since money hadnt been taken from my account. 

Suddenly, the next month ( XXXX XXXX ) my landlord asked me why requested a refund for the XXXX dollar rent I gave her ( back on XXXX ) via XXXX XXXX. I told her, I had no idea what she was referring to. She told me the money had been taken from her account without even accepting the request. I saw that the request was made on my XXXX ( without my permission ) and that it would be refunded to me on a certain day. 
I informed her of the information and told her I would give the money back ( refund ) once it hit my account. 
I also had a gut feeling that it wasnt going to come. I called my bank and XXXX to rectify the situation ( I told them I got scammed and also let them and XXXX know I never requested a refund or filed a claim ) and have been going in circles. 

The claims department did a reversal provisional credit on my account for all the Claims filed ( by the scammers when they did the test ). And now I am overdrawn XXXX plus XXXX that I need to give back to my land lady. : ( ( All because I trusted and thought I was with a legitimate company.

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 2023-02-17 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: MD

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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All the above 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 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 records of convictions of 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 to any 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 2023-02-17 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: EQUIFAX, INC.
State: FL

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 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 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 records of convictions of 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and 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 non-monetary relief
Consumer complaint received 2023-02-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
Specialized Loan Servicing and XXXX XXXX  fraudulently on several levels attempted to collect a fictious debt. They were informed the debt if it existed was statutorily barred from collection, I was disabled and unable to if the debt existed. They wrote off this debt ( TAX FRAUD INVESTOR FRAUD ) even though they were informed in writing three times a 1099C would fraud and harassment, they sent me a 1099C for {$410000.00} on a non-existing debt. Additionally due to lies and actions by the ( XXXXXXXX XXXX XXXXXXXX XXXX ) and XXXX XXXX XXXXXXXX my home was lost as well as prior mortgage payments. 

The 1099C places a XXXX XXXX XXXX XXXX without assets at the mercy of the IRS for taxes, penalties, fees, interest on {$410000.00}! 

The attached documents prove these egregious actions most of which is supported in the Superior Court transcript attached. SHOULD THIS GO INFRONT OF A FACT FINDER the witnesses will ALL BE LAWYERS! other than myself. XXXX XXXX, XXXX and XXXX XXXX  XXXX have confirmed their actions in writing. 

I will share what I have with law enforcement and vetted Lawyers

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 2023-02-17 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: FL

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 USC 1681. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 records of convictions of 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 to any 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 non-monetary relief
Consumer complaint received 2023-02-17 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: FL

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 USC 1681. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 records of convictions of 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 to any 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 2023-02-17 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I noticed on my credit report that I owe {$29.00} to XXXX bank. This showed up in XXXX. I have no idea what it is. I can not get a copy of a bill or get any information from the company regarding the amount. most credit card companies send a bill I have no bill. I don't know what this is in the meantime it's gone from $ XXXX {$59.00} to I believe today I saw it's {$100.00}, I don't know how interest goes up that fast but anyway, I pay much larger credit card bills monthly but for some reason nobody can tell me what this is. I disputed this with Experian and they say it's legitimate and the only way to reach the commodity for this problem is via letter - a XXXX XXXX XXXX in this day of age I find that very strange. I don't have any idea what this is I don't see why it's so hard for somebody to talk to me on the phone. I called Experian 's number and it's automated you can't talk to a live person. I want get this resolved it's not helping my credit report and obviously if I owe {$29.00} I would pay it it's ridiculous and frustrating. I filed another dispute stating I did not know what the amount is for. I guess the creditors get all that or the alleged creditors get all the support. I really feel this is a scam.

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 2023-02-17 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: EQUIFAX, INC.
State: GA

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 USC 1681. 

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or list of inquiries 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 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 records of convictions of 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelson Cruz & Associates LLC
State: AL

Complaint narrative:
A collection showed up on my credit report and I contacted the collection company and they have no signature and the address is not correct and I have no idea what it is. The collection company said they would not remove it without me filling identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I tried to resolve this matter on my own several times. I have not received a response from them in over 30 days as law allows them to respond to me with proof I gave them consent to share my personal alleged transactions. They are sharing my information with 3rd party companies and making a profit without my consent or knowledge which is identity theft. Please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC I NEVER gave Experian Prosper any written instruction to furnish any information on my consumer report. Because you have furnished information without my permission, You both are in violation of 15 USC 1681b. Consumer Reporting Agency has caused severe stress and XXXX  due to the abusive and unfair practices .Never gave any company permission to share any of my personal transactions to try to extend credit or pull my credit without my consent.

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 2023-02-17 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express is stating they are now charging me {$4200.00} for a charge they are claiming did not go through on XX/XX/2022. The charge went through previously ; yet I can not locate it on my statement. I believe they are charging for something past when they should be able, and believe they have altered my online statement.

Company response to consumer: Closed with explanation