vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-01 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX and XXXX agreed to the settled amount in exchange after paid as agreed would delete from credit report as pay for delete. Reporting inaccurate information and did not hold their agreement to delete. XXXX credit can not report accuracy when they can not provide this account is mines. I have asked time and time again provide documentation that I open this account. If you can not provide documentation of the info provide above how can you report info from a creditor on a consumer this is not fair reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX and XXXX agreed to the settled amount in exchange after paid as agreed would delete from credit report as pay for delete. Reporting inaccurate information and did not hold their agreement to delete. XXXX credit can not report accuracy when they can not provide this account is mines. I have asked time and time again provide documentation that I open this account. If you can not provide documentation of the info provide above how can you report info from a creditor on a consumer this is not fair reporting.

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 2022-09-01 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: MS

Complaint narrative:
EXPERIAN is inaccurately reporting my balance on my XXXX XXXX personal line of credit. The actual balance that should be reported on my file is {$770.00}. Out of my {$9000.00} limit {$8200.00} is available. I have a letter from XXXX XXXX to validate the information that EXPERIAN is reporting 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 2022-09-01 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: NC

Complaint narrative:
I am a consumer by law & my information was misused and now I have false & 100 % inaccurate accounts on my 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 explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: KEYCORP
State: FL

Complaint narrative:
My father co-signed on a series of private student loans through Key Bank when I was XX/XX/XXXX years old in XXXX. I began payment plans on these loans upon graduating college. I always paid full amount due each month and always on time. Several years later my father filed bankruptcy. I received a letter from the servicer in XX/XX/XXXX that my automatic payments would be discontinued on my behalf and that they would no longer be collecting the monthly payments from me. A year and a half or so went by and my father must have completed his bankruptcy. I was contacted by Key Bank and now suddenly my loans were due in full. This baffled me because I am a responsible financial person who has always paid every payment due from me on time and maintains an XXXX credit score typically. So I tried working with the servicer instead on setting up another payment plan. I paid a few payments as agreed, but some information they had given to me in the account numbers was incorrect and the payments were not being received in full. I tried contacting the business by phone a few times on this. Before I knew it a collection agency was calling me and harassing me. These collectors are down right rude! I ended up settling the debt in full through the collection agency in XXXX. Then in XXXX i began receiving more harassing phone calls from debt collectors once more to collect on the same debt. I let them know I had already settled the debt in full. They refused to believe me and treated me as if I was lying. So I called Key Bank myself to try to confirm. I was connected to several people at Key Bank and no one could find my loan. They insisted that they were searching their student loan data bases and I was no longer in the system. So I tried to contact the collector but could not get ahold of them. They contacted me again about XXXX months later again with harassment and accusing me of lying. Apparently they had gotten information from Key Bank that had XXXX record of my settlement. Key Bank is not organized and has wronged me in several instances in trying to collect my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I have reasonable cause to believe that USAA fraudulently furnished my nonpublic personal information to a non affiliated third party. As the fiduciary USAA had an obligation to protect the security and confidentiality of my nonpublic personal information. I'm aware per 15 U.S. Code 6801 - Protection of nonpublic personal information, The Sherman Antitrust Act of 1890 ( 26 Stat. 209, 15 U.S.C. 1 7, The Racketeer Influenced and Corrupt Organizations ( RICO ) Act that I should have received an explanation on how to opt out of having my nonpublic personal information disclosed to a non affiliated third party. I have not received such explanation. I have reasonable cause to believe that USAA has omitted information required by law to disclose as an attempt to bring harm to me and my financial reputation. I have reasonable cause to believe that this has been done in forethought and malice. I have reasonable cause to believe USAA has not acted in good faith. USAA has fraudulently furnished negative information to a non affiliated third party without my lawful consent. Do to the non disclosure do to the known fact of any implied acquiescence would render a contract illegal. I have reasonable cause to believe that the CRA 's have not conducted any reasonable investigation due to the unjust enrichment received. This conspiracy against my rights is a violation of the Sherman Antitrust Act and is causing a restraint of commerce or trade due to the punishment for the non repayment of an extension of credit. I have reasonable cause to believe that this was done to coerce payments under duress. This is a unilateral contract. How is this a lawfully binding contract? Only one side or party USAA received consideration. If one side receives consideration the contract is not lawfully binding and illegal under The Sherman Antitrust Act of 1890 ( 26 Stat. 209, 15 U.S.C. 1 -7. No contract can make me give up my constitutional rights. USAA never gave me a contract to verify the alleged debt. USAA has XXXX days to remove the alleged debt or give the consumer a contract with a signature. USAA financial institution is causing a restraint of commerce and fraudulently validating an alleged debt with a billing statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-09-01 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: FL

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

Equifax is govern by 15 USC 1681. They violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I didn't not give Equifax written permission to furnish these accounts. 

BANK XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX BANK Account Number XXXX XXXX XXXX BANK  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX BANK XXXX Account Number xxxxxx XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: NC

Complaint narrative:
I am a consumer by law & my information was misused and now I have false & 100 % inaccurate accounts on my 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 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I sent in multiple letters on XXXX XXXX, 2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2022-09-01 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: Nelnet, Inc.
State: NY

Complaint narrative:
My student loans are still reporting with a balance and it should be reporting zero. They update my credit on the XXXX of XXXX saying I have a balance when in reality it showed that my balance is XXXX in their side. 

I reached out to them asking why they report that I still have a balance, and they said it does not show any balance. 

They also said that they update reports at the end of each month and sent me a letter stating it was paid. I sent this letter to the credit bureau disputing the current balances being reported, and they verified it as accurate. Why are they reporting that information was verified and it wasnt. If it was verified theyd report the loan as XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: IN

Complaint narrative:
Due to the Covid CARES act, all student loan payments made after XX/XX/XXXX on federally owned loans are refundable back to the payer. I made payments on my federal loans to Aidvantage during this time. I requested a {$26000.00} refund from Aidvantage on XX/XX/XXXX, and was told that the application had been submitted for refund, and that the process would take 4-8 weeks for the refunds to be sent back to me. I called Aidvantage again on XX/XX/XXXX, and was told that my refund had been submitted, but that there were no updates. I am not worried about when the physical money gets back to me, since that has to come from the Department of Education, but I would have expected the loan amounts to reinstate on the Aidvantage website by now since they have a legal obligation to refund the money to me. It feels as though Aidvantage is dragging their feet since there are no email confirmations that a refund application was submitted, and it takes over an hour to get a hold of a customer service agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: TX

Complaint narrative:
I received a letter yesterday about a fabricated debt. Never had any dealings with the company that was indicated in the letter ( XXXX XXXX XXXX XXXX ). Called the number on the letter at XXXX XXXX/XXXX/22 and XXXX answered the phone. I told her that the debt of {$190.00} does not belong to me and gave her the reference number on the letter and my name. She then tried to obtain additional information from me, and I told her that I will not be providing any information outside of what is indicated in the letter. XXXX XXXX response to that was " Call us when you are ready to provide the information that we need '', she then hung up on me. 

I find it ironic that I have to spend any time dealing with this fabricated debt, but was compelled to XXXX the company that allegedly created the claim and the collector... and was surprised to discover that I am not the only victim. I think a government intervention is necessary here to stop this abuse. 

I do not trust the debt collector ( Linebarger Goggan Blair & Sampson, LLP ) and the company making the claim

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
There is a company that is reporting that I have not done business with is reporting on my credit file. I have never even heard of this company nor informed until I seen it on my credit. This company is reporting several different accounts XXXX total accounts. This is crazy, I have disputed with nothing being received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc.
State: CA

Complaint narrative:
I've already filed a complaint against this company. The previous complaint id is : XXXX. Nobody has ever attempted to provide any information regarding this supposed debt. I've asked on numerous occasions. The attached ( email and attachment ) is a renewed attempt by MBW despite responding to the first complaint that they had no part in it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
In accordance with a Fair credit reporting act XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights. 
[ XXXX XXXX ACCOUNT # XXXX has violated my rights. 
[ CAVALRY PORT ACCOUNT # XXXX has violated my rights. 
Under 15 USC 1681 section 602 states, I have the right to privacy.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # 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 an 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 2022-09-01 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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:
Transunion is reporting late payments on my consumer report that are nor properly investigated by law before they report the late payments from XXXX XXXX. By reporting this on my consumer report is also a violation of my privacy. Transunion is infringing on my rights to privacy by furnishing these late payment 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 non-monetary relief
Consumer complaint received 2022-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
At XX/XX/XXXX, Im trying to change USD to RMB, Im in a rush so Im sending help on social media, and a guy text me he can help with it, Im in a rush, he blocked me after I send XXXX $ through cash app to him, I try to contact cashapp and they said they could not help because Im under 18 and they need my SSN, they could help me anyway either Im a minor, that is not fair, Ive contact them like ten times, they all said they could not cancel a transaction, so I contact bank for this, at XXXX XXXXThey denied my claim at XX/XX/XXXX and takes a month, everytime I called them four times and I get a completely different answer from every call and still can not solve my scam problem, they replace my card and saying that could help report a fraud, i call today and they said I could not get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: UT

Complaint narrative:
I reported fraud to equifax and they didnt remove the items even with proof that it is fraud, XXXX XXXX and XXXX XXXX  is due to ID theft, I submitted police report, id theft report, they didnt care and didnt remove it, I also notice inquires on my credit I havent pulled my credit for 1 year they wont remove it due to fraud. I wnat those inquires and XXXX XXXX and XXXX XXXX removed and blocked

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
New York and Company credit card website is always down and unavailable. On XX/XX/XXXX the website was working so I attempted to make a payment on the website, but an error appeared since it was after XXXX. The system forced me to make a payment the next day. I paid off the account with the payment date as XX/XX/XXXX since the system wouldn't allow me to make a payment. 

I recieved a statement indicating I owe the company {$31.00}. I sent a message through their portal & recieved a response to call the company for assistance. I called and a representative named XXXX told me that they can't help or refund the late fee although the account was paid off in full. Also, while on the line with her, the online payment system was unavailable, so she offered to take the payment over the phone. I never make payments over the phone because they charge you to do so. This time she said I would not be charged. 
My complaint is that I am charged a late fee when their payment website is down daily and they charge if you call on the phone to make a payment. It is also unfair to prevent payments from being made if it's pass a certain time. There are time differences in the world & everyone is not on the same time zone. 
I have closed this store card account as their website is always unavailable, not alllowing customers to make payments but charges late fees when you call or get through online after there cutoff time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
EQUIFAX is inaccurately reporting the balance on my XXXX XXXX  personal line of credit. The balance owed should reflect {$770.00}. {$8200.00} is the actual available balance. I have attached the letter I sent EQUIFAX informing them of the error. I've also attached the letter from XXXX XXXX that validates the change that needs to be made to my consumer report.

Company response to consumer: Closed with explanation