vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-04 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX DOB : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX Experian Fraud Department XXXX XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have also filed a police report with the Detroit Police Department 3rd precinct the police report number is XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 

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 non-monetary relief
Consumer complaint received 2024-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United Collection Bureau, Inc.
State: SC

Complaint narrative:
Multiple inaccurate collections on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

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 2024-07-04 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
Subject : Request for Specific Reason for Denial of School Discharge Application -Private Loans ending in XXXX, XXXX, and XXXX I am writing to seek further clarification regarding the denial of my school discharge application. 

I initially submitted a complaint to Navient on XX/XX/XXXX concerning my non-receipt of the school discharge application. Following this, I received the application on XX/XX/XXXX, completed it, and returned it to Navient on XX/XX/XXXX. Subsequently, I received a denial on XX/XX/XXXX stating : " Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct, and you do not meet the requirements for discharge based on misconduct by your school. '' I would like to request a specific reason for this denial, as the response I received appears to be a generalized statement that was sent to numerous other applicants who were also denied. I provided substantial evidence in my application, including documentation of my approved Borrower 's Defense case against ITT Technical Institute for federal loans. My private loans pertain to the same institution and the same period as my federal loans, where widespread misconduct took place. 

I believe I have met the necessary criteria for discharge based on school misconduct, and I am seeking a detailed explanation as to why my application was denied. I would like to know what additional information or documents I can submit for reconsideration of this application. 

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX, Transunion, & XXXX continues for years to lie or they have made a mistake and verified this public record as accurate when the dates are ( incorrect XXXX has date as XXXX ) first inaccuracy : wrong date ( XX/XX/2017 ) ( correct date : XX/XX/2017 ) and the spelling of the name is different spelled ( wrong XXXX ) inaccuracy : XXXX ) ( correct spelling : XXXX ) from the legal name and in fact XXXX  claims to verify this inaccurate information with the Courts today I will prove XXXX wrong I have disputed the public records with the XXXX XXXX  XXXX who is the actual source of this public record information and they stated they never share anyones public records information with any credit bureaus nor do they verify or validate any public record information only with Government officials. This account is in violation of 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of disputed information. ( 1 ) Reinvestigation required. ( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. I will upload copies of the letter from the XXXX XXXX XXXX XXXX stating they dont verify or validate public records information with any credit reporting agencys and I will upload a copy of the public record to show inaccuracys such as wrong dates and wrong spelling of my legal name and XXXX inaccuracy the reference # on XXXX is different then on the official public records document as well ( reference # is wrong XXXX ) ( correct reference # is XXXX ) and XXXX sent me an email stating they refused to allow me to dispute the public records because of lack of proof of inaccuracys and lack of specific information and I will upload the time XXXX verified with inaccurate public records information for years on going violation of my rights according to the fair credit reporting act!

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 2024-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX, XXXX, & XXXX continues for years to lie or they have made a mistake and verified this public record as accurate when the dates are ( incorrect Experian has date as XXXX ) first inaccuracy : wrong date ( XX/XX/year> ) ( correct date : XX/XX/year> ) and the spelling of the name is different spelled ( wrong XXXX ) inaccuracy : XXXX ) ( correct spelling : XXXX ) from the legal name and in fact Experain claims to verify this inaccurate information with the Courts today I will prove Experian wrong I have disputed the public records with the XXXX Bankruptcy XXXX who is the actual source of this public record information and they stated they never share anyones public records information with any credit bureaus nor do they verify or validate any public record information only with Government officials. This account is in violation of 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of disputed information. ( 1 ) Reinvestigation required. ( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. I will upload copies of the letter from the XXXX XXXX XXXX XXXX stating they dont verify or validate public records information with any credit reporting agencys and I will upload a copy of the public record to show inaccuracys such as wrong dates and wrong spelling of my legal name and XXXX inaccuracy the reference # on Experain is different then on the official public records document as well ( reference # is wrong XXXX ) ( correct reference # is XXXX ) and Experian sent me an email stating they refused to allow me to dispute the public records because of lack of proof of inaccuracys and lack of specific information and I will upload the time Experian verified with inaccurate public records information for years on going violation of my rights according to the fair credit reporting act!

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 2024-07-04 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP
State: OR

Complaint narrative:
After trying to use my US Bank ReliaCard at XXXX different ATMs including a US Bank ATM, I called the number on the back of the card. The first gentleman I spoke to said something about my card being locked for fraud protection. I did not understand him because of the language barrier and it was important for me to understand so I asked to be transferred to supervisor. The supervisor said my card was locked because of fraud protection and that I needed to go through the ID verification process in order to access my funds. She said I had to upload my identification and pictures of myself and it would take XXXX to XXXX business days or I could mail it in and it would take XXXX to XXXX business days after they received the information. I told her that I did not have access to the internet and I needed my money immediately. She said that was no other way so when I asked to be transferred to her supervisor she said she didn't have a supervisor, when I asked to be transferred to the corporate office or information for the corporate office she said that there was no corporate office. I asked to be transferred to a department that handles those affairs maybe they could give me a zoom call or something if I could find a public library and she said no. I told my daughter to start recording the conversation because it was so insane to me that they were holding my money without giving me viable options to get it back. My XXXX daughters and I have recently left a bad situation and are living in my car with little dogs. I had just put my laundry in the washing machine knowing that I could go to the ATM and get money for more quarters to finish the laundry. US Bank ReliaCard holding my money has put us in a potentially dangerous situation. We have no access to water or restrooms, we have no gas to go anywhere, I have no air conditioning in my car with a dangerous heat wave warning for the next few days. My phone service isn't very reliable here with no access to the internet. Today is the XXXX of XXXX so most agencies that might help us are unavailable. We are sitting in a park with no idea where we're going to eat what we're going to do or how we're going to be okay all because US Bank Reliacard decided to hold my money. I did find Wi-Fi to upload the information they needed and file this complaint but it still takes XXXX to XXXX business days to get my money, my money. It's not just a matter of laundry or the XXXX XXXX treatment we needed, or the fireworks I promised anymore, now it's a matter of life and safety. We are stranded in a dangerous heat wave.

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 2024-07-04 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: NY

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-07-04 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: NY

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
nd it stated it was temporarily unavailable. I received a text from my bank, wells fargo, asking me to verify the transaction. I hit yes. No money was received because the atm had already denied it It told me I could try again. It denied it a second time. On the third time it let me access the money, however, the other two times were posted to my account and withdrawn. I called wells fargo immediately and filed a complaint. The complaint was filed incorrectly as " charged twice '' on the card. The claim was closed ( no notification to me. When I called to check this, I was told the claim had been filed incorrectly and he would open a new claim for the same thing and word it differently because wells fargo had blocked the transactions and the money was not received twice before I confirmed they were legitimate, yet still debited from my account. He did this on XX/XX/XXXX. This was pertaining to the claim that had already been filed and is not a new claim. 
On XX/XX/XXXX I used the same atm again on vacation and the same thing happened. It stated my withdrawal limit had been reached and no money was dispensed, however I was charge XXXX and so I filed a second claim related to these atms after it posted on the XXXX. I will not be using any atms at this resort again. Again the claim is incorrect as it states " charged twice '' Today I received a call stating my account was being closed and my debit card revoked and was told I had XXXX claims with false statements. None of this is correct. I have been a customer for over 30 years. I have made over {$300000.00} worth of deposits in my account this year alone and have brought my husband on to my account. I have an excellent credit score and because their employees filed claims incorrectly I have been flagged as a risk and told my account will be closed in XXXX days. I was not offered to open a new account or a new card. I should be able to use atms and my debit card whenever I choose as long as my daily limit is not exceeded.

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 2024-07-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am upset because XXXX, Transunion, and XXXX continue to report chargeoffs on my consumer report that is considered income per the IRS. CONSUMER REPORTS ARE NOT SUPPOSED TO REPORT INCOME, per FCRA. ITS the law!

Per IRS Publication 4681, Cat. No. 51508F " Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. '' XXXX, Transunion, and XXXX continue to report this inaccurate information, which is a clear violation of Law 15 USC 1681 s-2 of their responsibilities as furnishers of information. 

They have caused me and My family suffered severe harm due to their negligence and inaccurate reporting. 

I emailed the CEO of the creditors and received calls back from their collection departments, who all said the same thing : they have written the debts off. its up to me to follow up with the consumer reporting agencies and IRS.

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 2024-07-04 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: CA

Complaint narrative:
I am upset because XXXX, XXXX, and Experian continue to report chargeoffs on my consumer report that is considered income per the IRS. CONSUMER REPORTS ARE NOT SUPPOSED TO REPORT INCOME, per FCRA. ITS the law!

Per IRS Publication 4681, Cat. No. 51508F " Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. '' XXXX, XXXX, and Experian continue to report this inaccurate information, which is a clear violation of Law 15 USC 1681 s-2 of their responsibilities as furnishers of information. 

They have caused me and My family suffered severe harm due to their negligence and inaccurate reporting. 

I emailed the CEO of the creditors and received calls back from their collection departments, who all said the same thing : they have written the debts off. its up to me to follow up with the consumer reporting agencies and IRS.

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 2024-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This debt is reporting inaccurately within the XXXX companies also I requested the original contract I also provided a Cease and desist verbally and in writing dates and amounts are incorrect also interest is extremely high

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 2024-07-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: WA

Complaint narrative:
On XX/XX/XXXX, I tried to buy XXXX XXXX tickets from a closed XXXXXXXX XXXX that my friend successfully purchased tickets from and use her tickets without issue. I paid {$2000.00} through Zelle for XXXX tickets, however it is now XX/XX/XXXX and I still do not have the tickets. The sellers have continued to ask for further payment, XXXX being {$700.00} to get the tickets transferred to me and in my name as well as services fees, that seemed reasonable so I paid that to the seller. Then they have continued to ask for more and I have not given them any additional funds. They sellers are still talking to me trying to get me to send them more and more. I asked for a refund but was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.

Company response to consumer: Closed with explanation