vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-12 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: MD

Complaint narrative:
I have called EdFinancial numerous times now about the status of my student loan refund in the amount of XXXX dollars however I have not received any further information on the status of the refund every time I called. 
Ive reached out in XXXX and XXXX when the refund was announced and again in XX/XX/XXXX and XXXX but still no update.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands 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 2022-10-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX 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

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 2022-10-12 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: DISCOVER BANK
State: IL

Complaint narrative:
I submitted a complaint that was closed unexpectedly. I received a letter saying it was closed because the CFPB believed it may have been submitted by someone else. It was not. I am resubmitting my complaint for consideration. 

On XX/XX/2022, Discover Bank restricted access to the XXXX payment service to all customers who enrolled after XX/XX/2022, which includes myself. They did so with no notice and the method by which they set up this restriction immediately blocked my ability to use the XXXX service with any financial institution. I also have accounts with XXXX XXXX  and XXXX  XXXX and immediately after Discover 's actions I was no longer able to use the XXXX payment service through any of them. Having access to XXXX is more than a simple convenience, as I have signed a lease agreement for my home in which XXXX is the agreed upon payment method. I immediately contacted both XXXX XXXX  and Discover Bank to attempt to resolve the issue. Discover Bank said they are not offering XXXX at this time and insisted ( wrongly ) that their actions would not cause problems at other institutions and also insisted that I work with my other banks to resolve the issue their. So, I immediately began working with XXXX to find a resolution. Several customer support tickets were entered on my behalf after various phone calls. On XX/XX/XXXX a ticket was entered that was escalated to an internal team and I was advised I'd receive a solution in 5 business days. I have continued to follow up on a regular basis and am told that the company is still doing research on the issue and has no updates. I find myself in a situation where Discover advises I contact Ally, Ally advises I contact XXXX, and XXXX insists these issues must be handled through the bank. All the while, being put in a situation where I am denied access to a service by no fault of my own based on an arbitrary date of enrollment at a particular company. It is also affecting my ability to meet the agreement made with my landlord to make payments through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: NJ

Complaint narrative:
On XX/XX/2020, I spoke with XXXX in Accounting about discontinuing my gym membership after over 20 plus years as a member ; through the 3 gym name changes, and closure of my original gym membership location. XXXX said for they were leaving at XXXXXXXX XXXX. and for me to put in writing that I was cancelling my gym membership and that I could leave the letter at the front desk. 

I left the letter in an envelope addressed to XXXX at the front desk of the XXXX XXXX XXXX location as instructed over the phone by XXXX. 
I also expressed that I did not feel safe coming back to the gym at that time due to the Pandemic and concerns about health and cleaning procedures. 

I also spoke with XXXX to follow-up on my cancellation ; who tried to get me to stay and I said I wanted to cancel. Next, I received a call from XXXX, one of the XXXX XXXX XXXX and I explained my concern about the Pandemic/cleanliness procedures and that I did not feel safe coming back at this time and wanted to cancel my membership. 

Months go by and I get notification from my credit card on file that XXXX XXXX was attempting to collect money from my account ; so I called XXXX XXXX and spoke to XXXX and XXXX again who asked me to submit another cancellation letter ; which I did. 

Next, I get a notification over a year later from an Attorney saying they want me to pay a past due amount of {$190.00} to prevent further collection actions on behalf of XXXX XXXX. 

I have done as asked by both XXXX and XXXX to cancel my membership with no further money being due and was still turned over to their collection company over a year after my cancellation ; almost 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: CA

Complaint narrative:
Ok XX/XX/XXXX I had someone scan me out of {$200.00} through cash app. When I found out I went to my personal bank and they got my money back to me. I had money coming through Cashapp afterwards with no problem. Recently on XX/XX/XXXX I had someone send me money through Cashapp and Cashapp took the money. They stated I owed them money which I'm not understand how would I owe them money. I went back and forth though support and they stated to call my bank. My bank stated why would they tell me to call them. Cashapp refuse to give me the money that was sent and states I still owe them {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I XXXX XXXX did not authorize the following companies below to pull my credit. Each company is in violation of my rights as a consumer and I have tried to get these taking care of months ago with no headway. 
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 2022-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
I was approved for assistance by XXXX for 18 months. But, my mortgage and property insurance have yet to be paid since I have been approved back in XX/XX/2022. This is due to the mortgage vendor changing to Fay Servicing , LLC. I have already called and emailed HAF multiple times, but there been no changes or updates for 4+ weeks.I 'm unsure to why the property insurance is not getting paid. I submitted the correct info for that document.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: GA

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681, and they Violated my rights numerous times. I demand the accounts listed below to be removed because. 

According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXXXXXX XXXX Account number XXXX XXXX, Accounts : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: LEXISNEXIS
State: CA

Complaint narrative:
Disputed accuracy, legitimacy, and proof of furnisher. I contacted alleged Data furnisher and they explained that they do not and did not provide any records containing my personal information. Disputed file with Lexis Nexis, XXXX and XXXX. 
XXXX and XXXX removed file immediately finding it inaccurate and non existing. 

XXXX has failed to remove after several request. 
Lexis Nexis-Dispute in progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to dispute the following information on my consumer report regarding the inquires listed below I don't recall authorizing and I understand that you shouldn't be allowed to share any of my personal information with any creditors If I didn't authorize it. 

XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXH

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 2022-10-12 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
XX/XX/2022 : I need to remove associated names from my credit report that I've not ever used to apply for anything. 

My legal and actual name is XXXX XXXX XXXX which is the actual and precise spelling. 

I need for the associated name identification numbers 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 and XXXX XXXX XXXX removed from my credit report immediately to avoid any confusion or identity theft situations to remain based off of my recent credit report received and a ongoing issue of my mail missing or confusion of who I am when attempting to get basic local issues resolved versus whoever all else is or maybe attempting to act as me based off of associated name errors on my recent 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 2022-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Midland Credit Management has willfully and continuously violated my rights as a federally protected consumer, since the creation of this account on XX/XX/2022. This is a fraudulent account in which Midland used my personal information without my consent in order to extort a monetary benefit, claiming that I owe an alleged debt. It was not clearly and conspicuously disclosed to me that the alleged debt information may be communicated to 3rd parties and I was not given the opportunity, before the time that the information was initially communicated, so that I could direct such information NOT TO BE COMMUNICATED IN ANY WAY. 

Without my consent, Midland has been reporting this fraudulent account since XXXX of XXXX to XXXX, XXXX, and XXXX consumer reporting agencies, causing significant damage to my consumer credit file, ( see attachment ). I have been denied credit based on the reporting of this collection account on my consumer report, ( see attachment ). On XX/XX/2022 I sent Midland a debt validation letter that was received by an individual on XX/XX/2022, ( see attachment ). Midland failed to respond to the debt validation with the information requested and continued collection efforts during the 30 day dispute period. On XX/XX/2022, only a few days after receiving my dispute, Midland updated the collection balance, status, and failed to give notice on my XXXX consumer report that this account was disputed, ( see attachments ). This is considered communication and is prohibited during the 30 day period for validation. Midland failed to cease communication as instructed in the debt validation letter and continued to update the collection status to all 3 consumer reporting agencies on XX/XX/2022, ( see attachment ), and has failed to validate the debt or show reasonable evidence that I owe Midland Credit Management any alleged debt. I have never signed a contract with this company, had any goods or services provided to me by this company, and never given them access or permission to use my social security number or any other of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: OH

Complaint narrative:
I XXXX XXXX did not authorize the following companies below to pull my credit. Each company is in violation of my rights as a consumer and I have tried to get these taking care of months ago with no headway. 
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 2022-10-12 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I XXXX XXXX did not authorize the following companies below to pull my credit. Each company is in violation of my rights as a consumer and I have tried to get these taking care of months ago with no headway. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I needed to have documents motorized and my local chase bank does not have a notary. Therefore I went to another bank, XXXX XXXX XXXX XXXX. XXXX XXXX charged me {$10.00} to use the notary. I then received a {$5.00} charge from chase bank for the {$10.00} charge from XXXX XXXX. 

I have never used another bank ATM and I was charged even thought I didnt use another bank ATM in this case. I was forced to go to another bank for a service my local bank doesnt offer. Therefore it is not fair that I was charged this fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/22 I attempted to make an early payment on XXXX XXXX Citibank credit cards that I have. I was blocked from access to my accounts and called customer service to ask what was going on. I was told that my accounts were closed and under attorney control. I have spent over XXXX hrs. the past XXXX days trying to find out why this has been done. Both of my accounts are current. They have never been delinquent or over the credit limit. There was NO Reason for my accounts to be sent to collections and I did not close them. I cant get answers from anyone at Citibank as to why they have done this to me. I also have no way to make payments on the cards because they wiped me out of their system and blocked my access on line. I need answers NOW and a way to make payment. My next payment in due on the XXXX of this month and I have no way to pay it. Please help me!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Today on XX/XX/2022. I applied for a Credit card with XXXX card on Experian Credit Bureau agency. I was looking at my credit Bureau report. The credit card sections. Experian had three credit cards company come up and stated i was pre-approved and this wood be the best credit card for balance transfer. First of all Experian never stated I wood have a hard pull on my credit report. i understood to be a soft pull to no pulled with this being a credit Bureau agency. Small writing stated they were in partnership with XXXX card and the work together and this and two other card wood be a great fit for approval. Everything about the advertisement was false and misleading to me. I applied and was decline. XXXX took the information 's from the Credit bureau and ruled against me as a decline for a new credit/ bal transfer. Experian used the same information stated I should applied and wood be approved for the card. The whole credit. process through the Credit Bureau was misleading and false advertising. I am SORRY EXPERIAN YOU DONT GET TO MISLEAD CUSTOMER INTO THINKING THEY WILL BE APROVED FOR A CREDIT. I WANT THE HARD INQUIRY REMOVED OFF MY CREDIT REPORT AND APOLOGY LETTER. YOU DONT GET TO BREAK THE LENDING LAWS!

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