vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Receivables, Inc.
State: GA

Complaint narrative:
I am writing to file a formal complaint against Collections Receivables Inc and the alleged original creditor, XXXXXXXX XXXX XXXXXXXX regarding their unjust attempts to collect a debt that is not owed. The details of my situation are as follows : Unauthorized Charges : On XX/XX/XXXX, I discovered that XXXXXXXX XXXX XXXXXXXX me from two separate companies without my consent. The charges were made by XXXXXXXX XXXX XXXXXXXX and XXXX XXXX  XXXX. I immediately filed a dispute, and after conducting their own fraud investigation, my credit card company sided with me and found the charges to be unauthorized. After this I received a call from XXXX that I would be sent to collections for any money I won from the dispute. 

Medical Treatment Payment Process : It is important to note that I am responsible for paying only what my insurance does not cover. In the case of XXXX XXXX XXXXXXXX, I have diligently paid my share of the medical expenses. However, I have recently discovered that I have overpaid, and I am due for a refund. I also have reasonable suspicion they are engaging in balance billing, which violates federal law. 

Unjust Debt Collection Attempts : Despite the resolution of the unauthorized charges and the overpayment issue, Collections Receivables Inc continues to pursue collection efforts for a debt that is not owed. Their actions are not only unwarranted but also in direct contradiction to the findings of my credit card company 's fraud investigation. 

I kindly request the Consumer Financial Protection Bureau 's assistance in investigating this matter and ensuring that Collections Receivables Inc ceases their unjust debt collection attempts. Also, XXXXXXXX XXXX XXXXXXXX should refund me what I overpaid them. I believe that their actions are not only in violation of fair debt collection practices, but also causing undue stress and inconvenience. 

I have attached relevant documentation, including the resolution from my credit card company 's fraud investigation and proof of overpayment to XXXX XXXX XXXX, for your review. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and appreciate your efforts in protecting consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting 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: MO

Complaint narrative:
I recently submitted a complaint through the CFBP portal outlining the fact that Experian has illegally placed an entry onto my credit file. Instead of deleting the credit entry, Experian ignored the complaint and closed their response through the CFPB portal without resolving the issue. Experian continues to place an old, unverified Aleged debt from 2003 that stems from a closed XXXX XXXX XXXX XXXX XXXX The case was based on fraud and got dismissed by an XXXX XXXX XXXX XXXX XXXX. Without any certified evidence, proof or documentation from a Judicial officer, Experian arbitrarily creates a credit entry as a negative item onto my credit file. I've never authorized Experian, nor the furnisher permissible use and access to my personal credit file. In addition, reporting a child support case on my credit report is unlawful. The law states thats only credit transactions have the lawful means to be reported onto a credit profile. XXXX XXXX is not a bank or any other financial institution. An alleged Child support debt ambiguous, and is not a credit transaction. 

In addition, this credit reporting agency does not conduct any research or investigation into my CFPB complaints whatsoever. They have found a way to navigate around the CFPB complaint process using stall tactics ; they use the 15-60 day complaint resolution window to do nothing but act as if they are researching and fixing their mistakes. This is the XXXX time I sent a complaint through this process and this reporting agency does nothing to resolved the issue that they created. Experian purposefully and maliciously sabotaged my credit report then strays away from accountability. The CFPB needs to file suit against this agency for breaking credit reporting laws, and failing to correct their mistakes.

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 2023-12-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I came in from work with a molded apartment. I lost everything. Furniture, clothes, shoes. Mold was in the bathtub & walls. On XXXX XXXX  I asked to be let out of the lease because it was a health hazard to live there with mold. On XX/XX/XXXX I moved out and return the keys back to them.They agree to let me out the lease, I was given an early move out date & termination document with the manager at the time, XXXX  whos signature is the document stating that they agree to let me out with a valence if XXXX. I asked for a ledger but it was all messed up with incorrect numbers. I was not behind in rent and never was late. 
Ive reached out to them about 6 times about the matter its been 3 years Ive been trying to get this misinformation off. The palms of XXXX XXXX proceeded to update the balance with a new ledger stating I owed {$120.00} back in XX/XX/XXXX with a new ledger, but I have all documents stating that XXXX XXXX let me out of the lease owing XXXX XXXX. Its miss information & the amount owed XXXX  is false

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: EdFinancial Services
State: MI

Complaint narrative:
I had a loan on my XXXX account of XXXX with a 5.5 % interest rate. I logged in and completed the payment on XX/XX/2023. Confirmation number of XXXX The money was taken out of my bank account on XX/XX/2023. I logged into XXXX today to see if the payment had gone through and nothing was taken out and now the total for the same loan is XXXX. I reached out to them and have not heard anything. I am extremely frustrated and should not have to pay that extra interest that was accrued because I had already made the payment. My account balance doesn't even reflect a transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-12-07 00:00:00
Product: Credit reporting 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: MI

Complaint narrative:
I received a copy of my credit report. I am disturbed to learn that I fell victim of identity theft. I have hard inquiries on my credit report that I didn't authorize. This has been affecting me as I am in the process of trying to buy a house for my family. Please remove the fraudulent hard inquiries below on my credit report as soon as possible. Thank you. 

XXXX recorded on XX/XX/XXXX XXXX XXXX  recorded on XX/XX/XXXX XXXX recorded on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I hope you are doing well as I write this. I'm writing to let you know about an issue with my credit account that I have with your organization. Following an examination of my most current credit report, I discovered that late payments have been documented for my account. 

I am dedicated to keeping my financial obligations, and I recognize how important it is to keep a clean credit record. But I think the stated late payments don't fairly represent my dedication to fulfilling my duties with XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXXXXXX - This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX - XXXX XXXX customer service. 

Please look into this for me and, if needed, take the right action to get the late payment entries erased from my credit report. Thank you very much for responding to this request so quickly. 

I appreciate your cooperation and understanding in getting this resolved. I'm looking forward to hearing from you favorably and keeping up our good working connection with XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX identity theft data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

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 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 2023-12-06 00:00:00
Product: Credit reporting 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:
I am requesting an opt out of this account from reporting to any non-affiliated third parties ( including any credit reporting agencies ) under The Gramm Leach Bliley Act and The Privacy Act of 1974. Please provide me with an reasonable opt-out form that can be submitted electronically under Regulation P - Privacy of Consumer Financial Information ; 12 CFR Part 1016 along with the original cardholder agreement listing the proper disclosures of opt-out options if you can not honor the opt-out request through this CFPB complaint.

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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The tradeline is inaccurate because I am not legally obligated to XXXX XXXX XXXX XXXX in the amount of {$34000.00} for the alleged chargeoff deficiency claim. 

Although XXXX XXXX XXXX XXXX was closed, it shows open. It contains inaccurate information regarding my account. Charged off accounts can't be open. Please delete immediately. 

Furthermore, the tradeline is incomplete because you have not verified the date of last activity with the creditor XXXX XXXX XXXX XXXX, since I had begun dispute regarding this creditor, it appears no actual creditor investigation was actually done, because the date verified did not change. Your verification procedures have allowed this which has been harmful to me and my family. The balance of {$34000.00} is not correct, and the date of late activity has re aged. Please delete it.

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 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed the tradeline from XXXX XXXX XXXX. I WILL NOT PAY THIS. This is not owed and is also being submitted to TransUnion under incorrect name and balance. Yet, TransUnion continues to support the inaccuracies. I have asked them to validate and cease and desist. Please see attached reply from XXXX XXXX XXXX. In addition, XX/XX/2023, they promised to cease and desist. However, today, XX/XX/2023, they have contacted me sending another correspondence.

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 2023-12-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: LD Holdings Group, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX I received notice that I had made a partial payment due to changes from homeowners insurance which increased. There was a difference of {$380.00}. I received an email and a text informing me to make the correction. While communicating with XXXX  rep.XXXX, explained the reason for the change and I immediately corrected the default prior to the end of month XXXX XXXX with XXXX on XX/XX/XXXX. Due to the discrepancy and next auto draft had already been sent and I immediately contacted XXXX. I was told by XXXX  XXXX that the check {$3200.00} would be returned. So we initiated online draft for the full amount of {$3600.00}. After that transaction posted I saw on my XXXX Checking that XXXX  did not return the partial payment. They deposited it and overdrafted my XXXX checking account. I spoke with XXXX on XX/XX/XXXX she initiated the draft of {$380.00} since the partial payment was cashed. And was suppose to cancel the new payment. Spoke with XXXX about the email stating this problem would be corrected nothing for me to do, their error. On XX/XX/XXXX XXXX  XXXX along with XXXX customer service and I had a conference call and we were told that all funds would be returned in XXXX business days which would have been Wednesday before XXXX. No return on overnight from XXXX. XXXX  lied and then stole my money for the entire month of XXXX to include XXXX XXXX, XXXX and my mothers birthday XX/XX/XXXX. They have continued to lie when on XX/XX/XXXX XXXX informed/assured me I would get my money in XXXX business days again. Sent me an email again saying check had been sent. Then went in and drafted another {$3600.00} and then reversed it + {$3600.00} and then drafted {$3600.00} from my XXXX Checking. All total they drafted my account XXXX  times for XXXX payments of XXXX. They have lied to me for over 30 days saying they would return my money. They have caused financial hardship, misrepresented their position and ruined my credit standing with my bank. And still I have not received my money. {$3600.00} + XXXX overdraft fees. They do not have the right or the authorization to take my money and apply it to any future payments. it's my money and I want it back. They should waive all late fees, restore my accounts to good standing. Audit my mortgage account and adjust it for present homeowners policy. Today XX/XX/XXXX still no check, no refund and no contact from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Earlier this year in XXXX, the WePay by J.P Morgan company decided to stop processing payments for my business, after this they stated that all the funds in my account would be placed on hold for 120 days. I appealed but was denied and waited the full 120 hold period. The period ended on XX/XX/XXXX, I then reached out and was told to submit a wire transfer form so they can send me the funds. I did this and sent over the form on XX/XX/XXXX. Now here we are in XXXX and I am being told I may not receive my funds for another 60 days. Which at that point it would be 8-9 months since my funds were originally held and is far beyond the legal holding period. I am not receiving and help or service from WePay, as I have asked numerous times to speak on the phone with someone which was denied. I have no answers as to how or why they are continuing to withhold my funds from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AK

Complaint narrative:
Disputed XXXX account opened XX/XX/2013 Balance : {$2700.00} Disputed XXXX XXXX Mortgage : Balance {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The account XXXX is closed but the creditor is reporting an Increase in the balance every month and this account does not belong to me. I have asked for verification of this debt over 60 days ago and the creditor has not provided me nor the credit bureaus with 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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act, XXXX, Equifax and XXXX have violated my rights by reporting these following accounts publicly without my consent. 

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 USC 1681 section 604a states that I have the right to privacy. My consumer report is not public information and it should not be treated as such. Anything XXXX dont want on my consumer report should not be on my consumer report. 

USC 1681 section 604a section 2 state that a consumer reporting agency can not furnish an account without my written instructions. 

Equifax, XXXX and Experians illegal reporting of my consumer report has made it difficult for me to obtain credit. 

I need XXXX, XXXX and Equifax to show me proof that I have signed a written agreement with them in which I give them my permission to report and publish my consumer report as public information. When they failed to provide the signed agreement I need all these accounts deleted from my consumer report within 30 days of this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting 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, XXXX, XXXX and Experian have violated my rights by reporting these following accounts publicly without my consent. 

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 USC 1681 section 604a states that I have the right to privacy. My consumer report is not public information and it should not be treated as such. Anything I dont want on my consumer report should not be on my consumer report. 

USC 1681 section 604a section 2 state that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX, XXXX and Experians illegal reporting of my consumer report has made it difficult for me to obtain credit. 

I need Experian, XXXX and XXXX to show me proof that I have signed a written agreement with them in which I give them my permission to report and publish my consumer report as public information. When they failed to provide the signed agreement I need all these accounts deleted from my consumer report within 30 days of this complaint.

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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The credit bureaus deleted the account ( XXXX  XXXX, however it is still reporting on their websites. 
Also, XXXX XXXX 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