vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX collect car payments but not accurate. Experian, XXXX and other credit bureaus reports 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 2023-07-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
On XX/XX/2022, I sent XXXX XXXX, an employee of XXXX XXXX, a written notification In the form of an email stating that I would not be renewing my lease cited for XX/XX/2022. Per the leasing agreement, if the number of days is not filled in [ sic ], a renter only has to give the complex thirty days ' notice. Based on this criterion and the written, I satisfied that requirement. ( see Appendix A. ). I do not owe the amount, making your collection activities illegal. According to the Fair Credit Reporting Act, 1006.18 ( c ) ( 1 ), debt collection agencies must not use false or deceptive means. A failure to thoroughly read and analyze the rent ledger to attain a debt for pennies on the dime in the hope of making a profit from a distressed victim is unethical and inhumane. I demand the immediate removal of the collection account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
As a consumer, I am aware of my rights under the Fair Credit Reporting Act. I am writing to officially dispute incorrect information that appears on my credit report, which I believe has been erroneously verified by the major credit bureaus despite my multiple attempts at correction. The item in question is related to an account held with XXXX XXXX. Your company has marked this account as " charged off '', but then it is a collection. I assert that this information is not only incorrect but also has unjustly caused significant damage to my credit standing over a period of years. How can an account be charged off the same day I reach out to the company to try and take care of the balance? Coincidently the account was also closed on XX/XX/22 the same day I emailed the them trying to pay my balance. If the account wasnt closed previously, how was it in collections & a charge off for 23 months? The email chain will be provided & credit report in email chain differ from new one provided. This company is fraudulent with deceptive illegal business practices. I never received one correspondence stating that my account was in collections or charged off. For the purpose of accuracy & fair credit reporting, I insist on receiving a document with detailed proof of this alleged debt verifying that this account was indeed charged off and placed into collections. If such documentation can not be provided, I kindly request that you rectify this error by deleting the inaccurate account information immediately. Failure to rectify this matter could result in me seeking legal remedies for the damage done to my financial reputation. I have maintained meticulous records and screenshots documenting the sustained damage caused by this error, which I am prepared to present in a court of law if necessary. I am hopeful that this issue will be resolved promptly and amicably, and that it will not escalate any further. Once again, please render proof of the charge off or delete 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 non-monetary relief
Consumer complaint received 2023-07-16 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: OH

Complaint narrative:
As a consumer, I am aware of my rights under the Fair Credit Reporting Act. I am writing to officially dispute incorrect information that appears on my credit report, which I believe has been erroneously verified by the major credit bureaus despite my multiple attempts at correction. The item in question is related to an account held with XXXX XXXX. Your company has marked this account as " charged off '', but then it is a collection. I assert that this information is not only incorrect but also has unjustly caused significant damage to my credit standing over a period of years. How can an account be charged off the same day I reach out to the company to try and take care of the balance? Coincidently the account was also closed on XX/XX/22 the same day I emailed the them trying to pay my balance. If the account wasnt closed previously, how was it in collections & a charge off for 23 months? The email chain will be provided & credit report in email chain differ from new one provided. This company is fraudulent with deceptive illegal business practices. I never received one correspondence stating that my account was in collections or charged off. For the purpose of accuracy & fair credit reporting, I insist on receiving a document with detailed proof of this alleged debt verifying that this account was indeed charged off and placed into collections. If such documentation can not be provided, I kindly request that you rectify this error by deleting the inaccurate account information immediately. Failure to rectify this matter could result in me seeking legal remedies for the damage done to my financial reputation. I have maintained meticulous records and screenshots documenting the sustained damage caused by this error, which I am prepared to present in a court of law if necessary. I am hopeful that this issue will be resolved promptly and amicably, and that it will not escalate any further. Once again, please render proof of the charge off or delete 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 2023-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Synovus Bank
State: FL

Complaint narrative:
On Saturday XX/XX/2023 XXXX dollars was taken out of my Synovus account without my authorization showing up as if a transaction happened at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX when I had never visited that branch According to them after just using my card once in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ATM someone was able to steal my information The withdrawal was not obvious to me at first since I usually turn off my cell phone on Saturdays but after filing a complaint with synovus they replaced the XXXX dollars XX/XX/2023 I received a call saying they were going to close my account I was never given an explanation as to why the address of their XXXX XXXX XXXX branch reflected on the withdrawal nor why they took measures to close the account they still owe me XXXX cents sent to my account after it was closed I contacted XXXX the branch manager weeks after and she denied being the manager and denied knowing anything about a check

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 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:
In accordance with the Fair Credit Reporting Act XXXX  the following accounts XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX DEPT OF ED/XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX 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 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 2023-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
I called the hospital and they said they never sent me to collections or have a outstanding debt, Wakefield and associates is the collection agency and the hospital said they dont work with them? Phantom debt! The hospital said my last visit was XXXX and the collection agency reported a unknown debt in XXXX and also charging me XXXX $ every 4 days, medical bills dont have interest in the XXXX orignal agreement I keep all my records. Ive disputed this and told the collection agency and the credit bureaus to call the original agreement only XXXX XXXX verified and deleted it from the credit bureau. Its still on XXXX and XXXX and rising in amount owed. They are breaking several laws and nobody cares.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 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: GA

Complaint narrative:
Equifax continues to report an account with inaccurate information which is unlawful. I have tried to get this account removed on numerous occassions with photo evidence to prove my complaint is legit. Equifax has refused to do a proper investigation into this account which has caused me and my family to be denied credit or not apply do to this incorrect account. The CFPB continues to allow this credit bureau to cause harm to my credit report which affects the enjoyment of life for me and my loved ones. This bureau needs to be held accountable for their bad business practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CO

Complaint narrative:
I have an older student loan ; originally unsubsidized Stafford Loans between XXXX. They were handed over to Nelnet without my consent after graduation, around XXXX. 

Nelnet has grossly mislead me on the IBR 20 year loan forgiveness process. 
- they never sent me any mail or call when the Direct Loan program launched around XXXX. 
- no one advised me that the Direct Loan program would offer more payment aid options- they didn't inform me that during the pandemic I would have been eligible for an interest pause from covid relief if I had been in the Direct Loan- I received multiple deferment options and IBR certifications that lead me to believe these FFEL ( Stafford ) loans held by Nelnet were making progress towards a 20 year forgiveness. I am now XXXX years out of graduation and they claim I only have 9 years of forgiveness accrued. I understand the Biden announcement of XX/XX/XXXX will be reviewing these accrued months, but Nelnet wasn't tracking them AT ALL. There is no dashboard to view progress, and when I asked in written form how many months of progress I had, they just sent a 20 page form with all my online history. They are intentionally dodging any bookkeeping about loan forgiveness. I owe 2x 's my principle balance now despite paying down 1/4 of it at one point. This is a XXXX scam and I'm sorry I went to college. 

Nelnet was never planning on following a 20 year IBR forgiveness plan. They are not facing consequences for their scammy behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 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: MS

Complaint narrative:
XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

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

According to : 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 According to : 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. 

Equifax claims that they verified this Bankruptcy with XXXX XXXX however I attached the letter that I received from XXXX XXXX showing that theyve removed this unverifiable information from my credit repair. Since this removal, Ive mailed Equifax a copy for their records and they continue to report this inaccurate information on my credit report. This lets me know that they did not do a proper investigation because they have not removed this Bankruptcy from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2023 I, XXXX XXXX, consumer, and natural person, I am aware of all my rights that I have, and are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The account ( s ) below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have also filed a complaint over 30 days ago to have accuracy issues as the accounts are STILL not reporting my information correct after there update and have given them 30 days per 15 USC 1681. I am not requesting that these accounts be removed immediately from my account unless you want to be held {$1000.00} per violation. THESE ACCOUNTS ARE SHOWING INCORRECT INFORMATON Accounts still committing violations per 15 USC 1681 after investigation : Account Name : XXXX XXXX XXXX Account number : XXXX 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, Also states a consumer reporting agency can not furnish a account without written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation Account Name : XXXX XXXX 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, Also states a consumer reporting agency can not furnish a account without written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation Account Name : XXXX XXXX Account number : XXXX 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, Also states a consumer reporting agency can not furnish a account without written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation Account Name : XXXX XXXX 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, Also states a consumer reporting agency can not furnish a account without written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation Account Name : US DEPT OF EDUCATIONXXXX 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, Also states a consumer reporting agency can not furnish a account without written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely, 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 2023-07-16 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX the following accounts XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX DEPT OF EDXXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX 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 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 2023-07-16 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  the following accounts XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX 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 states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
During the week of XX/XX/XXXX to XXXX of 2023 the temporary manager of the bank informed me they were closing my account XX/XX/2023 without no explanation I contacted a branch supervisor and he said he had no control over it just that the temporary bank manager had authorization to close it XX/XX/2023 my account was closed without no explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
In mid-XXXX, I was temporarily living in XXXX ( Ive been back in the XXXX since late XXXX ). Apparently because I was living temporarily in XXXX, Bank of America chose to shut down my Merrill XXXX  brokerage account as well as all of my Bank of America credit cards, including some that had unredeemed rewards. They would not confirm for me that this was the reason they closed all of my accounts, but I read similar stories from others in expat situations and even business travelers using their accounts while outside the U.S. 

Anyway, Id really like to have the credit card rewards, such as cash back, that Id earned and that I was never given an opportunity to retrieve/redeem. Id also like the ability to have Bank of America accounts again, especially as my temporary time in XXXX ended in XXXX. Ideally, Id like to have those same accounts re-opened that I used to have. 

Can you help with something like this?

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 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I advised the credit agencies that my personal information should be reviewed & corrected. 

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX, XXXX XXXX, FL. XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Company response to consumer: Closed with non-monetary relief