vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-03 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This debt collector violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. XXXX parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( XXXX ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( XXXX ) and constitutes unjust business practices. I am not alleging identity theft, but rather unjust business practices, third-party communication, and other violations caused by this debt collector 's use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the XXXX XXXX XXXX  have been filed and dispute letters have been mailed to this debt collector ; supporting documentation will be furnished. 

I demand that this company removes my account ( XXXX ) from all three credit reporting agencies due to the violations : XXXX XXXX XXXX  If they fail to do so, I will be compelled to escalate the matter to my litigation attorney. I have been advised that the company 's failure to indicate my account as " consumer disputes '' on my credit report constitutes a violation for which I am entitled to take legal action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Kentucky Higher Education Assistance Authority
State: AR

Complaint narrative:
I hope this letter finds you well. I am writing to bring to your attention some concerning issues regarding the predatory sales tactics employed by XXXX XXXXXXXX XXXX XXXX XXXX, which have significantly impacted my financial situation. 

As a borrower of private student loans, I am deeply troubled by the unethical practices of XXXX XXXXXXXX XXXX XXXX XXXX, which has misled students into taking out loans under false pretenses. The institution has engaged in aggressive and deceptive recruitment strategies, often targeting vulnerable individuals with promises of lucrative careers and high-quality education. 

Unfortunately, many students, including myself, have fallen victim to these predatory tactics, resulting in substantial financial burdens that we are struggling to manage. XXXX XXXXXXXX XXXX XXXX XXXX has not only failed to deliver on its promises of quality education and job placement but has also left countless students burdened with exorbitant debt and uncertain futures. 

Furthermore, it is distressing to learn that the accreditation and reputation of XXXX XXXXXXXX XXXX XXXX XXXXXXXX have come into question, casting doubt on the value of the education and credentials obtained from the institution. This has serious implications for students who have invested their time, money, and aspirations in pursuit of a better future. 

In light of these circumstances, I urge you to consider the broader implications of your association with XXXX XXXXXXXX XXXX XXXX XXXX and reassess the terms of the private student loans issued to students enrolled in the institution. I believe that it is crucial for lenders to exercise due diligence and responsibility in ensuring that loans are offered ethically and in the best interest of borrowers. 

Additionally, I request that you explore options for loan forgiveness or restructuring for borrowers who have been adversely affected by the predatory practices of XXXX XXXX XXXX XXXX XXXXXXXX. Providing relief to affected students would not only alleviate their financial distress but also serve as a meaningful step towards holding the institution accountable for its actions. 

I understand that your company was not the original lender for these private loans, however, XXXX, who the loans were refinanced through as been found to be fraudulent with XXXX XXXX XXXX by the president of the United States. 

I appreciate your attention to this matter and look forward to your prompt response. Please do not hesitate to contact me if you require any further information or clarification. 

Thank you for your understanding and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've consistently ensured timely payments on this account, never letting them become overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

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 2024-06-03 00:00:00
Product: Credit reporting 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:
My information was compromised and my identity was stolen since then I have too many reviews in my report which I do not recognize since they are fraudulent. And trying to solve this problem with the companies and they don't give me an answer even in writing. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting 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: TN

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.

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 informationisinaccurate.

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 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

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.

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 informationisinaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a natural, living human being, and I have rights under 15 USC 1681. Equifax is governed by 15 USC 1681, and they violated my rights numerous times. Additionally, I have disputed these account multiple time and Equifax refuses to update and/or remove the accounts from my credit profile. Equifax continues to report inaccurate information on my credit profile, which causes additional hardship when applying for necessities that require my credit. This is a defamation to my character and caused higher rates on my auto loans, home mortgage, and credit cards. I demand that the accounts listed below to be removed because according to 15 USC 1681, I have the right to privacy and did not give Equifax written permission to furnish these accounts. 
Accounts : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I noted a collections account on my credit report and made inquiry only to determine that someone was trying to obtain a lease ( in XXXXXXXX XXXX ) under my information. I immediately reached out to the collection agency as well as to the credit reporting agencies. I was advised to file an identity theft report with the Federal Trade Commission ( FTC ) and a police report. Since I live in XXXX XXXX I had to make the report to the XXXX Police Department ( XXXX ) over the phone and file freedom of information report in order to obtain a copy of my own police report since it was not feasible for me to fly to XXXX for the report. I followed all recommendations from the FTC following the filing of my identity theft report and reached out the debt collection company as well as the XXXX credit reporting agencies. All three agencies initiated the extended fraud alert ( EFA ) on my behalf and stated the collection account would be removed. XX/XX/XXXX, I sought a personal loan and found the same debt collection agency was attempting to collect the same account previously identified, however, only Experian had not removed the account. Upon speaking with an agent from Experian she stated that it was true that I could only receive the EFA if I had been a victim of identity theft, but she saw no record of my ever submitting the information informing them of the fraudulent account, and she could not tell me how the EFA was placed without that information. So, I began the initial dispute process again within XXXX days Experian stated the information was accurate and would remain on my report. I was then uploaded FTC identity theft report, XXXX report, copy of my driver 's license, proof of my address as well as other supporting information. I uploaded the information on XX/XX/XXXX, at approx. XXXX pm by XXXX pm I received an email from Experian basically saying I was being dishonest, that my FTC report was fraudulent as well as my XXXX  report and that they would not remove the fraudulent information from my account because it wasnt fraud. After reviewing all of my supporting documents they have determined this is my account. Even though the information relied upon from the collection agency had no identification, no signature, my name was initially misspelled, and the supporting documents only demonstrated a XXXX document with a computer generated initial and this was all that was required to determine my 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 explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
Sofi is not providing me with documentation to support their alleged claims of the information they are reporting about me on my credit report. Anything reported about me has to be based on facts and I have yet to receive any documentation for this inaccurate account. They are damaging my credit score unfairly and causing me hardship due to me being denied for housing because of this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2020, I discovered that my identity had been compromised when I noticed an unauthorized car purchase amounting to {$6400.00} on my credit report. Realizing the severity of the situation, I immediately took several steps to address the issue. First, I contacted the credit reporting agencies ( XXXX, XXXX, and TransUnion ) to report the fraudulent activity and place a fraud alert on my credit files. This alert notified potential creditors to take extra precautions before approving any new credit in my name. 

Next, I filed a detailed dispute with each credit bureau, providing them with evidence that the transaction was fraudulent. Additionally, I reached out to the creditor listed on the report to inform them of the unauthorized purchase and requested an investigation. To further protect myself, I reported the identity theft to the Federal Trade Commission ( FTC ) through IdentityTheft.gov and filed a police report to create an official record of the incident.

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 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/year>, I discovered that my identity had been compromised when I noticed an unauthorized car purchase amounting to {$6400.00} on my credit report. Realizing the severity of the situation, I immediately took several steps to address the issue. First, I contacted the credit reporting agencies ( Equifax, XXXX, and XXXX ) to report the fraudulent activity and place a fraud alert on my credit files. This alert notified potential creditors to take extra precautions before approving any new credit in my name. 

Next, I filed a detailed dispute with each credit bureau, providing them with evidence that the transaction was fraudulent. Additionally, I reached out to the creditor listed on the report to inform them of the unauthorized purchase and requested an investigation. To further protect myself, I reported the identity theft to the Federal Trade Commission ( FTC ) through IdentityTheft.gov and filed a police report to create an official record of the incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/year>, I discovered that my identity had been compromised when I noticed an unauthorized car purchase amounting to {$6400.00} on my credit report. Realizing the severity of the situation, I immediately took several steps to address the issue. First, I contacted the credit reporting agencies ( XXXX, Experian, and XXXX ) to report the fraudulent activity and place a fraud alert on my credit files. This alert notified potential creditors to take extra precautions before approving any new credit in my name. 

Next, I filed a detailed dispute with each credit bureau, providing them with evidence that the transaction was fraudulent. Additionally, I reached out to the creditor listed on the report to inform them of the unauthorized purchase and requested an investigation. To further protect myself, I reported the identity theft to the Federal Trade Commission ( FTC ) through IdentityTheft.gov and filed a police report to create an official record of the incident.

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 2024-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to express my profound dissatisfaction and anger with Venmo 's disgraceful handling of my account and the funds therein. As a renowned e-payment company, Venmo 's treatment of new users like me is utterly appalling, disrespectful, and unjustifiable. 

On XX/XX/XXXX, I created a Venmo account and received funds from a buyer, as my PayPal account was not working. This transaction was straightforward and legitimate, reflecting the hard work I put into my business. Later, I attempted to transfer these funds to my bank, which appeared to be processing until XX/XX/XXXX. However, to my shock, the money never arrived in my bank account. Instead, my Venmo account was suspended without any warning or valid explanation, and my bank transfer was canceled. 

What followed was an infuriating experience with Venmo 's support team. Despite numerous emails and attempts to understand the reasons behind this suspension, I received nothing but robotic responses, devoid of any genuine assistance or transparency. The lack of communication, transparency, and cooperation from Venmo 's support team is absolutely unacceptable. My money, which I worked hard for, is now unjustly held XXXX for 180 days. 

Venmos conduct in this situation is not only disrespectful but also raises serious concerns about their business practices. It is disgraceful for an e-payment company of your stature to treat new users in such a dismissive and unjust manner. Holding my funds without providing a clear and valid reason is nothing short of theft. 

I demand an immediate resolution to this issue. My funds must be released and transferred to my bank account without further delay. I expect Venmo to address this matter with the urgency and seriousness it warrants. Failure to do so will leave me with no choice but to escalate this complaint to higher authorities and consider legal action to recover my hard-earned money. 

I trust that this issue will be resolved promptly and my funds will be returned to me without further delay. Venmo 's current approach is completely unacceptable, and I urge you to rectify this situation immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting 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:
I have recently reviewed my credit report and noticed an account that was not reporting accurately. I have 1 late payment on the account that I was in fact paid on time. The consumer credit reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/year>. I'm now requesting you to investigate and provide verifiable proof with records showing that I had a late payment. If this information can not be verified, I demand this payment be updated to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting 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:
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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

I looked at my Equifax credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follew reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 US 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief