vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Citibank has repeatedly called me daily and just within the last 4 days i have been called over 18 times.

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 2022-06-23 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: NC

Complaint narrative:
I sent a letter to the courthouse asking do they report " Dismissed '' XXXX XXXX bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats 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 consumers 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 consumers 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.

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 2022-06-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I have a Wells Fargo account that among other services, promises free notary service. I recently sold a property and had documents that needed to be notarized. One Wells Fargo branch told me over the phone they could not do it. Another made an appointment for me but when I arrived, told me they would not notarize a real estate document. Nowhere on their website or anywhere does do they specify inclusions from the promise of free notary service. Since the transaction was to close within 24 hours and it was late in the afternoon, I had to go to a XXXX store and pay {$190.00} to get my documents notarized. I felt this was outrageous conduct by Wells Fargo, particularly at a time I was depositing {$600000.00} into my account. I want the notary fee refunded by Wells Fargo. Thank you.

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 monetary relief
Consumer complaint received 2022-06-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I have called Nelnet and I have filed a previous complaint here : XXXX. After the Company 's response, my previous complaint was closed. But, the Company 's response ignores the fact that I have called to request a statement on my loan and they have not sent one since XXXX. Although they never mentioned it when I called, their response indicates that they auto-enrolled me in electronic correspondence only- without my permission, but that they would " change my preference '' so I would receive paper bills in the future. That was XX/XX/2022 - I have still NOT received a statement on this loan, though I have received two on my other student loan with Nelnet. The Company 's response was unacceptable. First, they should not be allowed to stop sending statements without authorization from the borrower. If I have not previously authorized e-correspondence, how can the claim that by NOT responding to their email, I somehow consented to correspondence only by email. That is ridiculous. Second, despite multiple phone calls, and a prior CFPB complaint, they are still not sending me statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX NEGATIVE ACCOUNTS : -US DEPT ED XXXX 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 : 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 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX NEGATIVE ACCOUNTS : -US DEPT ED XXXX 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 : 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 explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MN

Complaint narrative:
My name is XXXX XXXX. My maiden name and name on my loan is XXXX XXXX. My account # is XXXX ( XXXX ) and XXXX XXXX XXXX ( AES ). I began my loan replayments in XXXX. I consolidated my student loans. I was with the lender XXXX XXXX XXXX XXXX XXXX. My monthly payment was set at {$140.00} and I was paying ahead. In I believe XXXX, my account was moved to servicing at XXXX. My monthly payments remained at {$140.00}. On XX/XX/XXXX, my loan was transferred again per a letter. This time to American Education Services ( AES - XXXX # XXXX ). I set up direct deposit, but had to cancel it shortly after I was notified that I had to make the remained of my loan payments in 3 installments with the first payment of {$2000.00} being due on XX/XX/XXXX and it had outstanding interest even though I was paid ahead from when it was at XXXX XXXX had never missed a payment with XXXX. My payoff amount is set at {$5600.00} as of XX/XX/XXXX. I called on XX/XX/XXXX and was told a review would be completed. I was never contacted about the review. On XX/XX/XXXX, I called again and was told my loan term was 15 years and there was nothing to do about the balloon payment. The agent did not look into anything or offer any options. She told me I had to pay. I contacted XXXX via their chat system after to ask about my loan after. The agent said they would send me details about my loan, did not know why my account was transferred, and suggested AES contact them to update their information. I called back and the agent looked up the review and said they determined the loan was a 15 year with a balloon. So no one was reaching out to XXXX further, because of their review. I asked for a copy of my Note. She said it would be sent to me. She offered to put my account in forbearance for 3 months with an option of another 12 months being something to look into after. I am trying to figure out the breakdown on my account. I never opted for an income based loan set up on my original loan and when I consolidated I never opted for that either. How did my fixed loan with a payment suddenly become a 15 year balloon? I feel there is some type of miscommunication or there was some type of fraud done. I feel blindsided and duped with a very convenient servicing transfer that made it so none of the companies are talking to each other.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-23 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent Accounts : XXXX  XXXX Bankruptcy Discharged XX/XX/15 XXXX XXXX {$740.00} acct # XXXX XXXX  acct # XXXX XXXX  acct # XXXX XXXX acct # XXXX XXXX XXXX XXXXXXXX acct # XXXX XXXX XXXX XXXXXXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXXXXXX  acct XXXX XXXX XXXX XXXX  XXXX acct XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXXXXXX XXXX XXXX acct XXXX XXXX XXXX, XXXX PXXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX  acct # XXXX U.S Dept of Education {$1100.00} acct # XXXX XXXX {$530.00} acct # XXXX, {$1100.00} acct # XXXX, {$3300.00} acct # XXXX, {$2300.00} acct # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

There is no third party that assisted the generation this letter.

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 2022-06-23 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 
I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. I have attached files which includes all updated personal information 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 2022-06-23 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: CO

Complaint narrative:
In accordance with the fair credit reporting act XXXX  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 XXXX XXXX XXXX XXXX  Bankruptcy XXXX, Bankruptcy XXXX has violated my rights. 15 U.S.C 1681 section 602 A. Section 1 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 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 2022-06-23 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: FL

Complaint narrative:
The debt collector sent a deletion letter for accounts to be deleted at XXXX XXXX Equifax and XXXX only XXXX deleted The debt Equifax and XXXX  failed to donit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: PA

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: FL

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-06-23 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:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: NJ

Complaint narrative:
This is my SECOND complaint regarding the violation laws XXXX and Transunion have down causing me to be affected harshly through credit denials. 

I have several inaccuracies and inconsistencies in the bankruptcy reporting on my credit report. Since XX/XX/XXXX I have been disputed the reporting with all XXXX credit bureaus as well the XXXX XXXX XXXX XXXX XXXX and LCI. 
XXXX quickly agreed with the inaccuracy and removed the reporting but both XXXX and Transunion have consistently responded to me with the same responses stating the bankruptcy has been verified. 
I sent letters to the courthouse the bankruptcy was filed to request how they go about verifying with the credit bureaus on reportings and they replied stating they do not furnish information to the credit bureaus. 
I then sent a letter to XXXX disputing the validity of the bankruptcy reporting and they responded by deleting the bankruptcy in XXXX stating they were unable to verify the accuracy. 
I contacted LCI because in my research, I found on Transunion 's website at XXXX : XXXX that they are furnish bankruptcies to Transunion, but they only furnish bankruptcies from XXXX to the present to Transunion and older bankruptcies are verified by Transunion from XXXX. I sent a letter to double check this and their response was that Transunion verified mine with XXXX. 
Both XXXX and Transunion have sent monthly responses to my dispute letters stating they verified the bankruptcy with XXXX. This is NOT POSSIBLE because XXXX deleted the bankruptcy back in XX/XX/XXXX. This means XXXX and Transunion are not and did not conduct an actual and proper investigation and are violating my consumer rights! Them continuing to report the bankruptcy is illegal! 

I'm attaching the letters I sent and their responses to this as well.

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 2022-06-23 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: CO

Complaint narrative:
In accordance with the fair credit reporting act XXXX  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 XXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX, Bankruptcy XXXX has violated my rights. 15 U.S.C 1681 section 602 A. Section 1 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 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 2022-06-23 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: CO

Complaint narrative:
In accordance with the fair credit reporting act XXXX Accounts XXXX XXXX, XXXX XXXX XXXXXXXX, 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 Bankruptcy XXXX, Bankruptcy XXXX has violated my rights. 15 U.S.C 1681 section 602 A. Section 1 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 my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: AR

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT XXXX XXXX ACCOUNT NUMBER XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXXXXXX XXXX ACCOUNT XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX XXXX XXXXXXXX XXXX ACCOUNT XXXX XXXX, XXXX XXXX XXXX ACCOUNT XXXX XXXX, XXXX XXXX XXXX ACCOUNT XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX XXXX XXXX XXXX XXXX NUMBER XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-23 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: AR

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT XXXX XXXX ACCOUNT NUMBER XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXXXXXX XXXX ACCOUNT XXXX XXXXXXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX, XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX XXXX XXXX XXXX XXXX NUMBER XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect
State: FL

Complaint narrative:
After receiving a copy of my credit file in shock I noticed there is a collection listed. I never had a collection in my life and always pay my bills. I have never ever been informed of this and do not believe it even belongs to me. I have disputed this after seeing this on my report. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation