vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is in violation of 15 U.S.C. 1681g. The information updated and modified is incorrect, inaccurate, and false. The XXXXXXXX XXXX XXXX XXXX account reporting on my credit report as Closed is incorrect, inaccurate, and false. Additionally, the impact of the Closed account as a Charge-off and Balance is reporting wrong credit utilization. The XXXXXXXX XXXX  XXXX XXXX account reporting on my credit report as Charge-off is further incorrect, inaccurate, and false. 

Equifax responded " Trade : XXXXXXXX XXXX XXXXXXXX XXXX THIS ACCOUNT IS CURRENTLY REPORTING AS CLOSED. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THE PRIOR PAYING HISTORY ON THIS ACCOUNT HAS BEEN UPDATED. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE BALANCE IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : HIGH CREDIT, SCHEDULED PAYMENT, CLOSED DATE, HISTORICAL ACCOUNT INFORMATION, ACCOUNT HISTORY. '' I did not sign any such credit contract agreement with XXXX XXXX  XXXX XXXX containing my full social security number and accurate signature where I granted permissible purpose for a credit application and to Open an account with XXXXXXXX XXXX XXXXXXXX XXXX that would be enforceable to Verify, Close, or Charge-off an account with a Balance in my name to be reported on my personal credit report. 

XXXXXXXX XXXX XXXXXXXX XXXX has no right nor authority to transfer or sell this account to XXXX XXXX XXXX, to enforce payment from me, or to collect on a debt owed to XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX fails to validate how debt is owed by me to XXXXXXXX XXXX  XXXX XXXX in a contractual agreement that expressly identifies my full social security number and accurate signature. XXXX XXXX XXXX has no right to collect any debt for this account from XXXX XXXX  XXXX XXXX that was transferred or sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
hello keep getting phone calls but the caller will not tell me the name of the debt collection company instead keep stating this is a personal financial matter are you ..my name.. i refuse to tell them due to they refuse to identify the company they represent and calling from a private number there fore i can not call them back. at least 10 phone calls sometimes call me 4 time in a week. also i recieved a email from XXXX XXXX XXXX with a statement saying pre legal notification no information regarding how much i owe just blank saying they want to resolve the issue also threatend to send to a attorney in my state if they don't hear from me.. i tried to reolve the issue with citybank before this went to collections but got the run around tried to make a payment but was told numerous time by citibank not to make a payment due to the account is under decision told to call back in 2 weeks when i called back they informed my it was charged off never allowed me to settle the 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 explanation
Consumer complaint received 2023-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

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 2023-02-13 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: NC

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the transactions to be reported on my consumer report. I have filed an Identity theft report and mailed it certified with tracking number ( XXXX ) to Experian in which they received it on XX/XX/2023 at XXXX XXXX requesting that the reporting of this information be blocked and deleted within 4 days of recieving my notice and ID theft report. My request to block this information is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the 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 non-monetary relief
Consumer complaint received 2023-02-13 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:
Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

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 2023-02-13 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: GA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. With the following inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I did call to pay off the total debt amount for the card and requested the account to be closed as well. I did pay exactly the remaining amount they said it was needed for it be closed. Next month, they were calling me again saying I own late fees claiming the last payment was made a day after ( which I dont believe ), even though is not my fault they provided wrong information with malicious purposes to keep charging me. I refused to pay money I dont own to them and well they sent me to collections and have TWO accounts against me. They justify their mistake saying the assessor who supposed to close the account was fired for his mistake, but didnt changed the status of the account and the amount is being increasing with the time, amount build by itself as late fees only.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13 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: MOHELA
State: MI

Complaint narrative:
On XX/XX/21 and XX/XX/21 I had XXXX taken out of my account. And XXXX a month since then for a student loan. It has not been going to be student loan account. 

I have contacted the US Department of Education/Mohela , where my loan is through. And I have contacted my bank account to have them put a hold on my account. 


Is there any way I can try and get some of my money back? Because it has not been going to my student loan. 

Please let me know. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: FL

Complaint narrative:
Reporting information that does not belong on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: FL

Complaint narrative:
Reporting information that does not belong on my consumer 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 explanation
Consumer complaint received 2023-02-13 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Date : XX/XX/2023 Amount : XXXX XXXX : Experian - XXXX  Tried to get my free credit report. Instead I was taken to a page where I was asked to sign up for a subscription. Tried to use the option to get credi scores from all three reporting agencies. I was presented with three scores which I took to be mine until I noticed a half-tone note at the bottom that said sample report. No way to get the free report, just subscriptions that charge monthly. Very deceptive, and I almost fell for it. 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 2023-02-13 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: NJ

Complaint narrative:
GIVING NOTIFICATION THAT THE CREDIT REPORTING AGENCY have broken 3 Codes of consumer law. 

The agency has been put on notice. 

XXXX XXXX Secured # XXXX 15 U.S Code 1666b Timing of Payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

15 U.S. Code 1666 Correction of Billing Errors 15 U.S. Code 1681B Permissible Purposes of consumer reports The bureaus are suppose to use maximum possible accuracy

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 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX credit card company fraudulently reported my payments as 90 days late to force me into collections my next payment due date is XX/XX/2023 of XXXX but I've been reported erroneous and my account is supposedly in collections when I asked for the number to collections I was told it was in house collections and the department was closed and that someone would call me tomorrow after a few days of waiting I called back and was told they don't have a collections company so I asked for the number to the collections company I was informed that it hadn't been assigned to a collection company and that they had sent me several letters that I never received

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 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX credit card company fraudulently reported my payments as 90 days late to force me into collections my next payment due date is XX/XX/2023 of XXXX but I've been reported erroneous and my account is supposedly in collections when I asked for the number to collections I was told it was in house collections and the department was closed and that someone would call me tomorrow after a few days of waiting I called back and was told they don't have a collections company so I asked for the number to the collections company I was informed that it hadn't been assigned to a collection company and that they had sent me several letters that I never received

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX credit card company fraudulently reported my payments as 90 days late to force me into collections my next payment due date is XX/XX/2023 of XXXX but I've been reported erroneous and my account is supposedly in collections when I asked for the number to collections I was told it was in house collections and the department was closed and that someone would call me tomorrow after a few days of waiting I called back and was told they don't have a collections company so I asked for the number to the collections company I was informed that it hadn't been assigned to a collection company and that they had sent me several letters that I never received

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 2023-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
I opened a checking account with M & T Bank on XXXX. I then made a series of deposit from that time until XXXX. Since then, my funds have been frozen and unavailable to me in any capacity. I went to an M & T branch at : XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX and was told my case was submitted " some team '' and to wait for somebody to contact me. Nobody from M & T Bank has followed up with me on this case at all. I have since contacted the same branch and spoke with a helpful associate, XXXX XXXX, multiple times. However, she can not get a response at all from whomever needs to review this case. She can not even close the account and give my money back. I need help retrieving my money from this bank please.

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 2023-02-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Affirm Holdings, Inc
State: WA

Complaint narrative:
XX/XX/XXXX. Received a phishing call ( XXXX ) from someone claiming to be XXXX XXXX saying someone charged an XXXX to my account. They would send me a code so they could stop the payment. I gave them a code and they set up an account with Affirm.com. 
XX/XX/XXXX. I received an email from Affirm that my loan to XXXX Vacations was approved. 
XX/XX/XXXX. I received an email from XXXX Vacations for a trip. Payment method visa XXXX for {$1500.00} XX/XX/XXXX. I called XXXX to report fraud. They said to call XXXX XX/XX/XXXX. I filled out a form to file a complaint at Affirm as they were closed. 
XX/XX/XXXX. I called Affirm and reported fraud. They sent to escalation XXXX XX/XX/XXXX. I called XXXX XXXX to report fraud. They said they would try to cancel but received an email on XX/XX/XXXX saying they would not cancel. 
XX/XX/XXXX. I called Affirm, spoke with XXXX to report fraud again. 
XX/XX/XXXX. I received an email from Affirm confirming my loan and processing my order with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Source Receivables Management LLC
State: NJ

Complaint narrative:
Company continually calls from different numbers and sometimes early morning hours and on weekends

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: MS

Complaint narrative:
Collection Agency : XXXX XXXX XXXX Original Creditor : XXXX XXXX  Date Assigned : XXXX XXXX, XXXX Original Amount Owed : {$49.00} Collection Amount : {$110.00} Collection Agency : CCS COLLECTIONS Original Creditor Name : XXXX Date Assigned : XX/XX/XXXX Original Amount Owed : {$170.00} Collection Amount : {$170.00} I have disputed these accounts numerous of times for identity theft as I am not the responsible party. I have provided the police report and supporting documents in regards.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: Diverse Funding Associates LLC
State: GA

Complaint narrative:
XXXX is in violation of 15 U.S.C. 1681g. The information updated and modified is incorrect, inaccurate, and false. The XXXXXXXX XXXX XXXX XXXX account reporting on my credit report as Closed is incorrect, inaccurate, and false. Additionally, the impact of the Closed account as a Charge-off and Balance is reporting wrong credit utilization. The XXXXXXXX XXXX  XXXX XXXX account reporting on my credit report as Charge-off is further incorrect, inaccurate, and false. 

XXXX responded " Trade : XXXXXXXX XXXX XXXX  XXXX THIS ACCOUNT IS CURRENTLY REPORTING AS CLOSED. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THE PRIOR PAYING HISTORY ON THIS ACCOUNT HAS BEEN UPDATED. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE BALANCE IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : HIGH CREDIT, SCHEDULED PAYMENT, CLOSED DATE, HISTORICAL ACCOUNT INFORMATION, ACCOUNT HISTORY. '' I did not sign any such credit contract agreement with XXXX XXXX XXXXXXXX XXXX containing my full social security number and accurate signature where I granted permissible purpose for a credit application and to Open an account witXXXX XXXX XXXX XXXXXXXX XXXX that would be enforceable to Verify, Close, or Charge-off an account with a Balance in my name to be reported on my personal credit report. 

XXXXXXXX XXXX  XXXX XXXX has no right nor authority to transfer or sell this account to DNF ASSOCIATES LLC, to enforce payment from me, or to collect on a debt owed to XXXXXXXX XXXX  XXXX XXXX. DNF ASSOCIATES LLC fails to validate how debt is owed by me to XXXXXXXX XXXX XXXXXXXX XXXX in a contractual agreement that expressly identifies my full social security number and accurate signature. DNF ASSOCIATES LLC has no right to collect any debt for this account from XXXXXXXX XXXX  XXXX XXXX that was transferred or sold.

Company response to consumer: Closed with explanation