vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OH

Complaint narrative:
Third time complaining. I have a letter from Fed Aid that states I do not owe any money on my student loans. How do you override the fed government database I'm not sure. Please explain my balance again since everywhere and everyone says I do not owe. You are con artists and scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I was granted from XXXX XXXX  a removal of a 30 day late from my credit report. The letter of approval for this action is XX/XX/. It has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was granted from XXXX XXXX a removal of a 30 day late from my credit report. The letter of approval for this action is XX/XX/. It has not been removed.

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 2023-04-12 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There are incorrect negative items on my credit report XXXX  XXXX Account # XXXX Late Payment : XX/XX/2017, XX/XX/2017, XX/XX/2017 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 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX ~ XXXX XXXX XXXXXXXX - XX/XX/XXXX ~ XXXX XXXX XXXX - XX/XX/XXXX ~ XXXX XXXX XXXX XXXX - XX/XX/XXXX ~ XXXX XXXX XXXX - XX/XX/XXXX ~ XXXX XXXX XXXX XXXX - XX/XX/XXXX ~ XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX via XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX customer service at TransUnion or XXXX would not help correct my file by deleting the unauthorized inquiries reporting to your credit report.

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 2023-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
I was a XXXX  customer XXXX XXXX XXXX had a promotion that would pay off the balance you owed on your phones if you switched to them. I switched and the balances of all cell phones on my account was paid off. I dont have a contract with Source Receivable MNG my contract was with XXXX . Source Receivable reported to my credit and I now have a collections on my credit report. They call my house 20 times a day they have called my job and threaten to have me arrested at work. I owe them nothing just like I owe XXXX nothing I have never signed a legal contract this collection company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried for 3 years to access my free Equifax portal after their data breach and have never been able to be provided a score or my report, preventing me from accurately checking my credit report and disputing items from identity theft or inaccurate items per 15 US 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
I am receiving invoices from CBE Group but I can not find which charges they are in reference to. I have paid some charges directly to the US Department of Veterns Affairs and they are very slow in applying money to the proper accounts. Their billing system is very slow. And then when I receive statements from CBE there is no reference to which VA billing statement these charges apply. 
I am still paying VA invoices that I receive for medications and office visits. How do I know if I am double paying my charges? This is unacceptable. I need reference to which invoices are being covered by the CBE Group. 

CBE Invoices in question : Ref : XXXX XXXX I would also like to get the Administrative Charges erased from these invoices. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12 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: Kikoff Inc.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to vehemently dispute the charged-off account and inaccurate reporting associated with the above-referenced account number XXXX, as reported by XXXX XXXX XXXX. Upon reviewing my credit report, I discovered that the account was reported as charged off, which needs to be corrected. 


It is important to note that there are no prior missed payments on the account. However, the account is reported as 90 days late for XX/XX/2021. I believe this to be a violation of the XXXX XXXX Reporting Standards, as the account should not be reported as charged-off if there are no prior missed payments. 

I demand that you provide documentation supporting the validity and accuracy of the reported information, including any signed agreements that establish the debt and any other pertinent information. 


Should the investigation reveal inaccuracies in the reporting of the charged-off account, I expect you to promptly remove the 90-day late payment. 

I demand that you respond to this dispute within 30 days, as mandated by the Fair Credit Reporting Act ( FCRA ). Failure to comply may result in further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel. 

I await your prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
XX/XX/XXXX To whom it may concern : RE : American Express Last XX/XX/XXXX I was given an option to open a Delta Credit card using American Express to save {$400.00} on our ticket. I then proceeded to check out only to find out I am disqualified because my purchase is just over XXXX dollars. I can not split the purchase and am forced to use another credit card to purchase. The Come on Ad then is gone, since I have no reason to go back to Delta, since I have my tickets. The American Express card appears in the mail days later. I can remember we need to spend XXXX dollars to qualify. Which ended up to be only XXXX dollars. It took us the full amount of time ( 3 months ) to spend XXXX dollars. I do not know, I must make a Delta purchase ( which I was denied ) also to qualify. I cant figure out why the credit is still not on our statement after the {$3000.00} purchase. Figuring it is another covid process problem! I made the call to American Express only to find out I had to spend {$1.00} on Delta to qualify for a {$400.00} credit. 
I sent a letter to the AM EX executive office in New York. By the time they return a reply we are in XXXX and without good phone and internet service. I reply ( text ) that we are out of communication and will follow up when we return to the states. 

American Express denies my credit of {$400.00}, but gives {$100.00} for goodwill. 
I then proceed to request documents that I signed to spend money on Delta. No Reply. 
I made a telephone request for the same, No Reply. 
I then called XXXX XXXX several more times only to be able to leave a message. No Reply. 

I feel like I am not the only one this has happened to. 
If I only needed to spend a dollar, I can not understand why they would not honor the {$400.00} credit. 
I obviously feel taken or I would not be writing another letter. In the old days if someone bothered to write a letter it was worth XXXX voices. In todays society I am sure it is many more customers that got the bait and switch. 

I believe I am still owed XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: LA

Complaint narrative:
See attached!! The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, last verified inaccurate and date last reported is not accurate. Some accounts are showing open and some are showing closed status. The account is in charge off status but still showing a balance this is a tax fraud because this alleged debt has been written off on the companies profit/loss statement and I have not received a form 1099c and are trying to collect on an alleged debt twice. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. According FCRA guidelines information furnished on consumer reports have to be 100 % accurate across on all 3 credit reporting agencies or the account has to be removed from my consumer report as this constitutes fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: MD

Complaint narrative:
There are last payments being reported on my Credit Report XXXX XXXX XXXX XXXX ( XXXX  ) Acct # XXXX Late Payment : XX/XX/2XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: MD

Complaint narrative:
There are last payments being reported on my Credit Report XXXX XXXX XXXX XXXX ( XXXX  ) Acct # XXXX Late Payment : XX/XX/2022 2022

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 2023-04-12 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
JPMCBANK/ XXXX XXXX XXXX XXXX XXXX XXXX ARE ACCOUNTS ON MY REPORT WITH FRAUDELANT INFO/ PLEASE REMOVE AND REMITT ALL FUNDS DUE TO ME. PER 12 USC 1813

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There are incorrect Late Payments on my Credit Report. 

XXXX XXXX XXXX Account # XXXX Late Payment : XX/XX/2XXXX 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 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Experian Consumer Relations continues to report inaccurate information on my credit file, Account # XXXX, The Statue of Limitations has expired on this account and must be removed from my credit file 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 explanation
Consumer complaint received 2023-04-12 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: CA

Complaint narrative:
Not only are there inquiries on my report that I did not receive anything for which is a form of identity theft but there are accounts on my credit report that have not been validated thoroughly and correctly, been removed and reported on again, and my wet ink signature proving my CONSENT to share my PERSONAL AND PRIVATE information with these third party credit reporting agencies was NOT obtained.

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 2023-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ARVEST BANK GROUP, INC.
State: MO

Complaint narrative:
Arvest bank denied over 100 transactions made by XXXX from XXXX till XXXX of XXXX. Signature is fraudulent. Charges were made daily. No fraud protection was offered by bank. No contact was made of this suspicious activity.

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 2023-04-12 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: CA

Complaint narrative:
I am writing to delete the following information in my file. The items I need to delete are listed in in the report. I am a victim of identity theft and I did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Identity theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: TN

Complaint narrative:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX XXXX XXXX # : XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXXXXXX ACCOUNT # : XXXX This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing accounts. I have asked for proof of these Late Payments and they have failed to do so after sending several request certified mail as I will attach below. I am also aware these companies are not allowed to report transactions on my consumer report under 15 usc 1681a ( 2 ) ( a ) ( i ) - Permisible Purpose, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12 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: TN

Complaint narrative:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # : XXXX This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing accounts. I have asked for proof of these Late Payments and they have failed to do so after sending several request certified mail as I will attach below. I am also aware these companies are not allowed to report transactions on my consumer report under 15 usc 1681a ( 2 ) ( a ) ( i ) - Permisible Purpose, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX  ACCOUNT # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: WI

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: ID

Complaint narrative:
I wanted to close my checking account at U.S. Bank ( U.S. Bancorp ). I firstly transferred out all my money ( total {$1500.00} ) from my checking account on XX/XX/XXXX. On the same day, I called U.S. Bank ( U.S. Bancorp ) service center to close my checking account. The representative of U.S. Bank ( U.S. Bancorp ) refused to close my checking account on XX/XX/XXXX. The representative said that I had {$1500.00} transfer with pending status and asked me to call them the second day. I followed their requirement and called their service center the second day ( XX/XX/XXXX ) and asked them to close my checking account again. Another representative refused to close my checking account again. The representative told me that they would not close my checking account if I dont pay them {$6.00} fee. I told the representative that this fee was not shown on my U.S. bank app yesterday ( XX/XX/XXXX ). I already informed U.S. bank to terminate my bank service yesterday XX/XX/XXXX. They never charged me any fees before. It is not reasonable to charge me fees when I want to close my checking account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-12 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: Waypoint Resource Group, LLC
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX WAYPOINT RESOURCE GROUP ARE ACCOUNTS ON MY REPORT WITH FRAUDELANT INFO/ PLEASE REMOVE AND REMITT ALL FUNDS DUE TO ME. PER 12 USC 1813

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