vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : 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 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  States I have the right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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. XXXX XXXX XXXX XXXX, XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a 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 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : 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 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 I have the right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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. XXXX XXXX XXXX XXXX, XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: MD

Complaint narrative:
Subject : Urgent Removal Request for Inaccurate Items on Credit Report Dear Sir/Madam, I am writing to urgently request the immediate removal of XXXX inaccurate items from my credit report provided by XXXX. Upon reviewing my credit report, I have identified XXXX discrepancies that require immediate attention and correction. I demand the prompt removal of the following inaccuracies : XXXX. Charge-off : [ Provide details of the charge-off, including the account number, date of charge-off, and amount ]. 
XXXX. Late Payment : [ Specify the late payment instance ( s ), including dates and account details ]. XXXX. Settlement : [ Detail the settlement and any discrepancies related to it ].

XXXX. Inquiries : [ List any unauthorized or incorrect inquiries ].

XXXX. Repossession : [ Provide details of the repossession, including date and account information ]. XXXX. XXXX XXXX Issues : [ Detail any issues related to XXXX XXXX accounts ].

These inaccuracies not only misrepresent my XXXX but also violate the Fair Credit Reporting Act ( FCRA ) guidelines. As such, I demand their immediate removal to prevent further harm to my XXXX profile. 
I remind XXXX of its obligation under the FCRA to ensure the accuracy and integrity of credit reports. Failure to promptly remove these inaccuracies may result in XXXX action. 
I expect immediate action on this matter and request confirmation of the removal of the disputed items once the necessary corrections have been made. 
Sincerely, 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 2024-03-02 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: MD

Complaint narrative:
Subject : Urgent Removal Request for Inaccurate Items on Credit Report Dear Sir/Madam, I am writing to urgently request the immediate removal of XXXX inaccurate items from my credit report provided by XXXX. Upon reviewing my credit report, I have identified XXXX XXXX that require immediate attention and correction. I demand the prompt removal of the following inaccuracies : XXXX. Charge-off : [ Provide details of the charge-off, including the account number, date of charge-off, and amount ]. 
XXXX. Late Payment : [ Specify the late payment instance ( s ), including dates and account details ]. XXXX. Settlement : [ Detail the settlement and any discrepancies related to it ]. 
XXXX. Inquiries : [ List any unauthorized or incorrect inquiries ]. 
XXXX. Repossession : [ Provide details of the repossession, including date and account information ]. XXXX XXXX XXXX Issues : [ Detail any issues related to credit card accounts ]. 
These inaccuracies not only misrepresent my XXXX but also violate the Fair Credit Reporting Act ( FCRA ) guidelines. As such, I demand their immediate removal to prevent further harm to my XXXX profile. 
I remind XXXX of its obligation under the FCRA to ensure the accuracy and integrity of credit reports. Failure to promptly remove these inaccuracies may result in XXXX action. 
I expect immediate action on this matter and request confirmation of the removal of the disputed items once the necessary corrections have been made. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
Through the early warning company, a report was made about all of my banking information. With this report, it was discovered that someone created some sort of USAA account with my name, date of birth and Social Security number. This account was closed and purged, causing my Social Security number to be put on a do not open list for all banks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Fein, Such, Kahn & Shepard, P.C.
State: NJ

Complaint narrative:
I am writing to file a complaint against XXXX XXXX XXXX regarding a civil notice I received on XX/XX/2024 claiming an outstanding amount of {$7700.00}. I am deeply concerned about several discrepancies and the lack of information provided to verify the validity of this account. Upon reviewing the notice, I observed inconsistencies that raise doubts about the accuracy of the claimed debt. XXXX XXXX XXXX has failed to provide sufficient details and documentation to allow me to verify and validate the legitimacy of the debt, violating my rights as a consumer. 

I am specifically troubled by the following issues : XXXX. **Lack of Information : ** The notice fails to provide comprehensive information about the nature of the debt, including the origin, date of the alleged transaction, and a breakdown of charges. Without this crucial information, I am unable to verify the accuracy of the claim. 

XXXX. **Discrepancies in Amount : ** The stated amount of {$7700.00} does not align with any known transactions or financial activities on my part. I request a detailed breakdown of how this amount was calculated and why it is being asserted against me. 

XXXX. **Failure to Validate Debt : ** I have not received adequate documentation or proof confirming the validity of the debt in question. I believe XXXX XXXX XXXX has not fulfilled its obligation to provide the necessary evidence to support their claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
I have disputed it with the company and all the credit bureau and had it removed and the company keeps adding it back and refuses to give information on what the account is, what it is owed for, why they keep adding it back so that it stays a new delinquent. They are commiting fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was doing some research into my credit report and what I found was pieces of information that were entirely inaccurate. I have been suffering with the loss of my child and now I am dealing with inacccurate information being reported on my credit and it is causing me severe XXXX. I need this fixed at once.

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 2024-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo refuses to answer the following question : Is Wells Fargo required to follow Federal Law regarding Mortgage Foreclosure regarding my Wells Fargo Texas loan? 

If yes, please cite the law ( s ) you are required to follow. 
Or If no, please advise.

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 2024-03-02 00:00:00
Product: Checking or savings account — Savings 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: PENTAGON FEDERAL CREDIT UNION
State: PR

Complaint narrative:
I ask the Penn Fed to add and externo account for deposit and withdraw. thay needed to deposit Micro deposit to reconize the account. At whitch time they did. they deposit XXXX cents and XXXX cents and one withdraw of XXXX cents on XXXX. I confirm what I received and the account was open ok. But on XXXXthe withdraw XXXX I told them that they have withdrawen XXXX over and the sede It would be return. til today XXXX the over withdraw amount has not been return to my outside account. My outside account las XXXX diget XXXX XXXXXXXX XXXX XXXX XXXX account XXXX diget XXXX with Peen Fed

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 2024-03-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
Charged XXXX dollars for paying early the company gave no instructions on how to pay early or to turn off autopay. It seems like a violation of XXXX XXXX XXXX  false and misleading statements. The company will not waive the fee and I could not get the website to stop autopay. It seems like unscrupulous business practices

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: IL

Complaint narrative:
this information is not reporting on other credit bureaus XXXX XXXX XXXX  evidence is attached below

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 2024-03-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: NV

Complaint narrative:
Pro Collect attempts to collect on debit. Id theft Violation of Federal Law. Debit not mine. Pro Collect keeps read inserting that not old violation of federal law. 

Pro Collect {$1200.00} XX/XX/year>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 2024-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
I received an email from Citibank on XX/XX/2024 regarding a credit card that I did not apply for from this institution. The email I received appeared legitimate and had Citibank XXXX as one would anticipate from a bank. No spelling errors or anything to alert me that this was a phishing attempt. On XX/XX/2024, I received an update that the card had been shipped and I attempted to contact Citibank to no avail. They would not allow me to speak to a representative without the full card number or giving my personal information over the phone. Citibank would not listen to my concerns that a fraud had taken place/was in effect. On XX/XX/2024, I received a XXXX  card in the mail, stating all I had to do was call to activate it. I finally was able to contact a person at Citibank because I had the full XXXX  card number, they finally allowed me to speak to a customer service representative. I used a phone number for Citibank on their website. It was difficult to understand the person as they possessed a thick accent, and I am hard of hearing, which concerns me as to whether or not they understood what I am trying to convey. I have contacted my local bank to acquire information to check my XXXX report for suspicious activity which is pending. I want to make sure that I am not responsible for any activity on the account that I did not apply for. I do not appreciate a financial institution pre-approving me for a card and using my information to open a XXXX  card in my name without my consent. On top of that, making it almost impossible to speak to anybody prior to any activity taking place and not communicating with me before the card was in my possession. I could not stop this act prior to receiving the card and having to cancel 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 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The individual consumer Plaintiffs identified below ( collectively, Plaintiffs ), individually and on behalf of the Classes defined below of similarly situated persons, allege the following against XXXX Equifax XXXX, Equifax Information Services LLC XXXX XXXX ), and Equifax XXXX XXXX XXXX ( XXXX ) ( collectively, Equifax or Defendants ), based upon personal knowledge with respect to themselves and on information and belief derived from, among other things, investigation of counsel and review of public documents as to all other matters. INTRODUCTION XXXX. Equifax plays a central role in the modern American economy, collecting and selling vast amounts of data about the most important details of consumers financial lives. That datanames, birthdates, Social Security numbers, credit card information, drivers license numbers, and morecontains the keys that unlock a consumers identity and is relied upon by third-parties to make major financial decisions affecting almost all Americans. Equifax understood it had an enormous responsibility to protect the data it collected and assured the public that : At Equifax, the security of our customers information is paramount. But, as its former XXXX has acknowledged, Equifax has not lived up to that responsibility or fulfilled its public assurances to protect Americans confidential information. XXXX XXXX XXXX. The individual consumer plaintiffs identified below ( collectively, Plaintiffs ), individually and on behalf of the Classes defined below of similarly situated persons, allege the following against XXXX Equifax XXXX, Equifax Information Services LLC ( XXXX ), and Equifax XXXX XXXX XXXX ( XXXX ) ( collectively, Equifax or Defendants ), based upon personal knowledge with respect to themselves and on information and belief derived from, among other things, investigation of counsel and review of public documents as to all other matters. My Personal information have been compromised. Etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kinum, Inc., Indianapolis, IN Branch
State: TX

Complaint narrative:
The debt was originally with Climb Loans/UAS/Climbinvestco. I reached out to climb XXXX on XXXX XXXX to advise that I would like to pay the debt. I was advised that the loan was no longer with them and given to collection company Kinum Inc. The loan was sent to the collection company Kinum Incorporated. I paid the debt off on XX/XX/XXXX in full and was advised that Kinum Inc. would send a letter to delete the debt to all the reporting credit bureaus within 90 days of payment. I received a letter through email from Kinum on the date of payment XXXX XXXX that I paid the debt, that I will attach. As of XX/XX/XXXX the debt remains on credit report with XXXX. I called and spoke with XXXX at Kinum on XX/XX/XXXX and was advised that they had sent communications to XXXX to delete the debit. I advised XXXX that the debt was still present and XXXX advised that I needed to deal with XXXX directly. I called and spoke with a rep at XXXX that same day as to which I was advised they had not received any documentation from Kinum Inc. 

The account number of the debt is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frontline Asset Strategies, LLC
State: FL

Complaint narrative:
{$300.00} reported in my credit XXXX XXXX XXXX account of a XXXX XXXX problem i have XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
I have disputed it with the company and all the credit bureau and had it removed and the company keeps adding it back and refuses to give information on what the account is, what it is owed for, why they keep adding it back so that it stays a new delinquent. They are commiting fraud!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: NV

Complaint narrative:
XXXX XXXX XXXX reinsertion of debt in violation of XXXX XXXX Statutes XXXX XXXX XXXX ( XXXX ). 
Don't owe Id Theft. Filed ID theft reports. 

XXXX XXXX  XXXX XXXX Date XX/XX/2024 2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Climb Credit Inc.
State: TX

Complaint narrative:
The debt was originally with Climb Loans/XXXX I reached out to climb loanXXXX  on XXXX XXXX to advise that I would like to pay the debt. I was advised that the loan was no longer with them and given to collection company XXXX XXXX. The loan was sent to the collection company XXXX XXXX. I paid the debt off on XX/XX/XXXX in full and was advised that XXXX XXXX would send a letter to delete the debt to all the reporting credit bureaus within 90 days of payment. I received a letter through email from XXXX on the date of payment XXXX XXXX that I paid the debt, that I will attach. As of XX/XX/XXXX the debt remains on credit report with XXXX. I called and spoke with XXXX at XXXX on XX/XX/XXXX and was advised that they had sent communications to XXXX to delete the debit. I advised XXXX that the debt was still present and XXXX advised that I needed to deal with XXXX directly. I called and spoke with a rep at XXXX that same day as to which I was advised they had not received any documentation from XXXX XXXX. 

The account number of the debt is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: CA

Complaint narrative:
I was doing some research into my credit report and what I found was pieces of information that were entirely inaccurate. I have been suffering with the loss of my child and now I am dealing with inacccurate information being reported on my credit and it is causing me severe XXXX. I need this fixed at once.

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