vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-10 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: NV

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, has violated my rights. 
XXXX OF XXXX XXXX has violated my rights DEPT OF XXXX XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF XXXX XXXX has violated my rights DEPT OF ED/XXXX XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights XXXX XXXX XXXX  XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX  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 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 2023-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Chase Cardmember Services, XXXX XXXX XXXX, XXXX, DE has modified its card member agreement on it's Amazon Rewards Signature credit card effective XXXX  to include a " Penalty APR '' of up to 29.99 %. 

As if the company wasn't already making outrageous interest on purchases, but to have the immorality to create a so-called " Penalty APR '' in the event a minimum payment isn't made by the date and time that it is due, or if a payment is returned unpaid, rather than institute a late fee ONLY that doesn't impact the card 's APR that " could potentially remain in effect indefinitely '' is just plain wrong and should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
While looking into my Credit Reports I have noticed the following account had a discrepancy in the last activity section of listing. 
Date Of Account opened was XX/XX/XXXX Account reported XX/XX/XXXX? 
How is the supposed verified information listed on my credit profiles different from one another? Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date PLEASE DELETE These items immediately XXXX XXXX XXXX XXXX Also the XXXX XXXX This account is closed on my XXXX It should be removed from my Experian XXXX and XXXX The debt is closed on all credit reporting agencys, yet its not removed. 

The date the account was opened compared to the amount of late payments makes no sense. 

I have not supplied proof under the doctrine of estoppel by silence. Engelhardlt vs Gravens ( mo ) 281 SW 715, 719, I presume that no proof of alleged debt, nor therefore any such debt, in therefore exists

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 2023-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IL

Complaint narrative:
I applied for the extended Public Service Loan Forgiveness back in XXXX XXXX I received an email from Mohela on XX/XX/XXXX that my application had been received and to give them 90 days for it to be processed. It is XX/XX/XXXX and I still have not received any information regarding my application and it has not been processed. When I log in to the Mohela website it states they received my application on XXXX XXXX and application is being processed. How did they received my application both in XXXX and XXXX? I have been waiting for over 6 months to find out if my loans will be forgiven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I paid the collection they say, it gon na deletes the account. So they never deleted it after paying it

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I saw a collection from XXXX XXXX XXXX drop onto my credit in XXXX, XXXX for a XXXX XXXX Debt that was from XXXX. It says card opened XXXX. The information is incorrect, I disputed with Transunion through XXXX XXXX and it closed today saying the information IS correct. It is not. I have the first default e-mail from XXXX saying it was 2 months past due and should be falling off my report this year, 7 yeas later.

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 2023-03-10 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: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I received a notification today from my credit bureau regarding a collection that went on my credit profile. I did not do any business with this merchant. This account is fraudulent or belongs to someone else. 
please remove this fraudulent account from my credit report. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
The Apple Card and Goldman Sachs provide statements that are confusing and make no sense. A charge appeared on my XXXX, XXXX statement for {$430.00}. I contacted the Apple Card support on XX/XX/XXXX to dispute the transaction. I received a response on XX/XX/XXXX which did not address the substance of my dispute. 
The Apple Card and Goldman Sachs seem to be engaging in deliberate obfuscation to confuse, mislead, and scam card users. There is no way to view a register with a complete detail of past purchases and payments. 
The explanation I received for my disputed transaction addressed my card balance from a few months later and was worded as follows : " Your balance is made up of card purchases and returns, payment activity, monthly installment due and any interest charges. Your total balance was {$180.00} plus purchase activity of {$0.00}, and payment activity of - {$72.00} plus installment due of {$37.00} plus interest of {$0.00} plus installment purchase of the current month {$0.00}, plus total remaining installment balance $ XXXX, which matches your total balance of {$37.00}. '' What does that even mean?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD

Complaint narrative:
Nissan just reported ( XXXX XXXX ) a " 30-day late '' on an account for which I paid off the car loan with a trade-in with a local dealer in XX/XX/XXXX. How is that even possible? Plus, looking at the reported credit history, it shows inaccurate/false information ( i.e. three consecutive " 60-days-late '' marks between XXXX of XXXX. Since this latest " XXXX late '' is so egregious, I DEMAND each of these inaccurate late payments be removed IMMEDIATELY. XXXX  is obviously violating the FCRA and deliberately trying to sabotage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I pulled a copy of my Equifax credit report on XX/XX/XXXX, and after reviewing the information, I noticed that Equifax have a bankruptcy listed on my credit report. This information was placed on my credit report in XX/XX/XXXX and have been on my file since then. I have disputed this information with XXXX to get no response, or just completely ignore the fact that the information, is incorrect. XXXX is in violation of Public Law 91-508-OCT.26,1970, Findings, and Purpose -607.B Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a The Bankruptcy Court has no interaction with credit bureaus, including Equifax, XXXX, and XXXX XXXX The Bankruptcy Court does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus. So how is this placed on my consumer file, since the court did not furnish this information to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: MS

Complaint narrative:
I went to a XXXX dealership they told me they would run my credit for XXXX but ran my credit 30 times i did not authorize them to do that XXXX XXXX Bank 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 non-monetary relief
Consumer complaint received 2023-03-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: VA

Complaint narrative:
XX/XX/XXXX went into contract with XXXX for home internet device. 

XX/XX/XXXX In store, XXXX XXXX, VA. I cancelled service and was advised return label for router will be mailed to me to ship box back to XXXX 

XX/XX/XXXX Still no return label. I received a service disconnect notice. Call made to XXXX. No help. 

XX/XX/XXXX Still no retun label. Called XXXX. Return label emailed. I shipped router. 

XX/XX/XXXX I see addition to my credit report. Multile contacts made to XXXX. Was advised account was never cancelled and I was continued to be billed. Rep confirmed router via shipping label and id #. He advised it will be handled. Confirmation emailed requested. 

XX/XX/XXXX A settlement offer was sent by IC System for 50 % off a {$84.00} balance from XXXX. 
XXXX made to XXXX no help. 

XX/XX/XXXX I was advised by XXXX. Unable to access my account. Due to collections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: IN

Complaint narrative:
DISCOVER acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX On XX/XX/XXXX I used an advertisement letter to open a credit card and I gave them my employer XXXX XXXX which was Not open when I called them after 6pm and they said wait a second to verify employment and a girl said " welcome to the family '' and she opened the acct up. My employer was never contacted and I have been on social security XXXX the entire time and since an illness in XX/XX/XXXX I was never in my RIGHT FRAME OF MIND as I spent credit limit by XX/XX/XXXX and DISCOVER has done everything to make sure I cant get out of debt, during stimulus deposits I PAID extra amounts and they swallowed it up in SERVICE FEES and every {$200.00} I paid I never had greater than {$25.00} over my limit in spite of this I got tired of paying extra and when I pay over {$97.00} minimum they give me {$44.00} and I am happy to pay {$55.00} a month in interest, then it went down to {$37.00} and this month XX/XX/XXXX they took {$73.00} in INTEREST and the acct is a negative {$48.00} for the FIRST TIME. They should have never iopened an acct w/o verifying my EMPLOYMENT and CREDIT in the first place

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
Navient is the loan serviced. They call everyday threatening to have me arrested at work for default. The minimum payment they are requesting is over 2,000. I am a single mother barely making it as it is. I have tried to negotiate a lower payment and they forbid to help me. No one can give me details on the loan, such as amount borrowed or when it was borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: OH

Complaint narrative:
I received a notification today from my credit bureau regarding a collection that went on my credit profile. I did not do any business with this merchant. This account is fraudulent or belongs to someone else. 
please remove this fraudulent account from my credit report. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I received a notification today from my credit bureau regarding a collection that went on my credit profile. I did not do any business with this merchant. This account is fraudulent or belongs to someone else. 
please remove this fraudulent account from my credit report. 
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 2023-03-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: CCF Intermediate Holdings LLC
State: MS

Complaint narrative:
I filed bankruptcy on this company but they still are contacting me and sold my old information to another company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: NJ

Complaint narrative:
Hello, my name is XXXX XXXX XXXX. After carefully reviewing my personal consumer credit report, there are hard inquiries that I did not authorize. I request that these Inquiries be removed immediately upon investigation. I have listed all of the creditors below that have violated the permissible purpose Section 604 under the FCRA [ 15 U.S.C. & 1681B ]. The below creditors have submitted a credit request without my permission & without my signature.

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 2023-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/2022, I attempted to withdraw {$500.00} from the Fifth Third Bank ATM at XXXX XXXX XXXX XXXX, XXXX, OH XXXX around XXXX PM. 

Unfortunately, the machine asked me to " Please take your cash '' but there was no cash dispensed. I filmed this incident occurring for about 20 seconds before stopping the video. The transaction was canceled and I assumed the issue would sort itself out. A few days later, I checked my statement and noticed the {$500.00} had been deducted. I immediately filed a dispute with Fifth Third. After a few weeks, the dispute was denied. I called Fifth Third and asked to re-open the dispute and I sent the video to the dispute team. I also filed a CFPB complaint. The CFPB complaint was closed shortly after receiving a letter stating they were still reviewing the incident. This week, I received another letter from Fifth Third Bank indicating they conducted an audit on the machine and found no discrepancy, however despite my repeated requests to view the security footage, they've given no indication they have done so. 

I assume this, too, will be closed, but I want to ensure I fully document my attempts to address this issue through every proper channel. The video of the ATM malfunction can be viewed on XXXX here XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
Phoenix Financial Services placed a collections account on my XXXX credit report on XX/XX/XXXX for a XXXX medical bill. I had no notice of this bill being outstanding. I had medical insurance that covered this bill. Primary insurance- XXXX XXXX and XXXX XXXX XXXX XXXX. I was never informed that the insurer ( s ) were not billed or were not billed properly as this bill was 100 % covered by insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: CL Holdings LLC
State: VA

Complaint narrative:
15USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: DISCOVER BANK
State: TX

Complaint narrative:
Discover bank continues to show I am past due on a charge off account. There are no payment no due dates and the account has been charged off and balance remains. I have tried to pay multiple times and discover has refused to accept money from me. The Date of first delinquency is past the statute of limitations. This account should not be on my bureaus.

Company response to consumer: Closed with explanation