vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
XX/XX/23 i recieved an email from from an attorney saying I owed XXXX in late fees from XXXX XXXX, Florida, XXXX XXXX, on XXXX XXXX. I tried asking for an email of the receipt and contract alongside policies of the company but I was told there was nothing except a late fee. I contacted Amped fitness in regards to the late fees but was told that I did sign a contract to cancel my membership but that my final fee was never paid. Therefore every month I was being charged as if i was still a member while also not being allowed on the premises. I asked for all the paperwork to be emailed to me but the manager refused and stated it was company policy and that I had to pay the due or else my credit score would be damaged and that I would be sued. The call happened on XX/XX/23 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: FL

Complaint narrative:
I have filed a FTC report that includes all unauthorized inquiries that are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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'm a victim of identity theft. I recently learned that my nonpublic personal private information is being shared and furnished with different company 's and financial insinuation without my written consent. I have not authorized any of these accounts to be shared in writing, oral nor electronic. These accounts were furnished and shared to XXXX, XXXX and TransUnion by way of Financial Insinuations without full discloser and without my written consent, unknowingly and unwilfully and against my knowledge and therefore request this account to removed immediately. In accordingly in pursuance of 15 USC 1681 Permissible Purpose of Consumer and 15 USC 6801 Protection of Nonpublic personal Information. This is identity theft. Pursuance FCRA 603 ( p ) Financial Institution must notify consumer in written if they may furnish negative information to CRA. Section 239 ( a ) ( 7 ) CFPB 12 CFR Part 1022. I XXXX XXXX XXXX have not given written consent to any Financial Institution to Report to CRA. Accounts listed below. 1. Account Name 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violated my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 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'm a victim of identity theft. I recently learned that my nonpublic personal private information is being shared and furnished with different company 's and financial insinuation without my written consent. I have not authorized any of these accounts to be shared in writing, oral nor electronic. These accounts were furnished and shared to XXXX, XXXX and TransUnion by way of Financial Insinuations without full discloser and without my written consent, unknowingly and unwilfully and against my knowledge and therefore request this account to removed immediately. In accordingly in pursuance of 15 USC 1681 Permissible Purpose of Consumer and 15 USC 6801 Protection of Nonpublic personal Information. This is identity theft. Pursuance FCRA 603 ( p ) Financial Institution must notify consumer in written if they may furnish negative information to CRA. Section 239 ( a ) ( 7 ) CFPB 12 CFR Part 1022. I XXXX XXXX XXXX have not given written consent to any Financial Institution to Report to CRA. Accounts listed below. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violated my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed an account on my consumer report that should not be on there. I demand the below accounts deleted from my consumer report immediately : XXXX XXXX XXXX XXXX - CHARGE OFF $ XXXX The reporting of this account is violation of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ]. 

I paid off the vehicle and have the certificate of tittle in my possession proving the vehicle is paid off. 

I demand complete removal of the account as a charge off and reflect proper paid off comment in full. this has affected greately my consumer reports and life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed an account on my consumer report that should not be on there. I demand the below accounts deleted from my consumer report immediately : XXXX XXXX XXXX XXXXXXXX - CHARGE OFF $ XXXX The reporting of this account is violation of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ].

I paid off the vehicle and have the certificate of tittle in my possession proving the vehicle is paid off. 

I demand complete removal of the account as a charge off and reflect proper paid off comment in full. this has affected greately my consumer reports and life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HOVG, LLC
State: MO

Complaint narrative:
According to XXXX XXXX. A notice of this debt was sent to my old XXXX address on XXXX XXXX. I was not in that location as I have moved to XXXX XXXX. My address was changed with USPS XX/XX/2023. Which further proves I did not receive notification of this debt and it was just added to my credit report with again is a violation of the fair credit act. As a collections company you need to make sure you have to correct information before doing this. You are breaking the rules.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I was forced into a bankruptcy, my ex-wife decided she wanted to stay home and not work, and it doomed us. After the bankruptcy went through I noticed an error. I had a vehicle through Wells Fargo Dealer Services that was not to be included in the bankruptcy. I learned later that it was even though I made all payments on time every month and paid the vehicle off. By law, any type of error is supposed to have the bankruptcy removed. Despite letters to both the credit bureaus and Wells Fargo, my request was ignored and denied, and the bankruptcy was never removed. I did not receive any positive credit for paying for the vehicle and paying it off, there fire affecting my long term credit. I simply would like the bankruptcy removed as the law states. PLEASE HELP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank Of America took funds from my personal joint savings account for personal, family, household use to cover a credit card from a business account. According to the FCBA this transaction is illegal. I intend to file a federal sue against BOA for these actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I am currently in Borrower 's Defense Forbearance. On XX/XX/XXXX I called Nelnet to take my loan *out* of the forbearance so I can restart my payments. I got no follow-up email or letter stating that the forbearance was removed. I had consolidated my loans earlier this year under the new SAVE plan so as not to have interest accrue on my loans. 

I called Nelnet on XXXX to follow-up. I was told that they had no record of my request to do this. I restated I wanted my loan *out* of forbearance. They said they would make the request to the Dept. of Education to do so. I followed-up again on XX/XX/XXXX to check on my status. They confirmed the the request was made and they were still waiting on the Dept. of Ed. I had made 2 payments on my loan since the end of the Covid deferment. 

Yesterday, XXXX, I got a letter from Nelnet stating that I had requested my loan be put *into* forbearance and that my forbearance was in fact *extended* from XXXX to now XXXX. Obviously, I did not request this. 

Today, XXXX, I called Nelnet to explain to me why I was not taken out of forbearance AND that my end date was now in XXXX ( previously it was to end in XXXX ). They had no explanation for why this happened and stated they could only make requests to the Dept. of Ed to get my loan out of the forbearance. The associate I spoke with stated it was not something that *they ( Nelnet ) * could do but had to be done by the Dept. of Ed.

After speaking with Nelnet, I called the Dept. of Ed 's Borrower 's Defense Hotline and was told it was the loan servicer 's responsibility to remove the forbearance. I explained to the person my conversation with Nelnet. The person said all she could do was send a request to Nelnet to remove my forbearance and that she could not remove my forbearance from her end. 

Both parties are claiming it is the others responsibility for getting my loan out of forbearance. It is not acceptable that neither party seems capable of doing this. I have spent many hours on the phone on hold trying to talk to my servicer about this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was removed as an authorized user on a Capital One account. I have been removed as an authorized user. Im in need of this being updated and removed from reporting on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
XX/XX/XXXX I made a mobile check deposit for my daughter in the amount of XXXX via cashiers check payable from my mothers account via XXXX XXXXXXXX XXXX to her ( her being XXXX ) endorsed to me ( her mother ). 

There was a ten day hold placed on the check. Standard with new accounts which was fine. 

I went into the branch later in the week to withdraw funds I deposited via a money order that same day and was told my account was restricted. 

I spoke with the department in charge and was told that they no longer have a way to verify information with XXXX  XXXX XXXX so i needed to verify that I was the intended payee of the check. I explained that I was instructed as her mother to be within my legal rights to deposit for her. They then informed me that they had no information on my daughter, of course, and that my daughter needed a phone number that would pass verification through XXXX XXXX before they would release the funds or else they would close my account in 10 days. I offered to bring my daughter in with school id and was told that would not be acceptable. The rep on the phone then followed up by saying to unrestrict my account completely I would need her birth certificate, a copy of her social security card, a current photo of her, AND a phone in her name. 

My daughter is XXXX XXXX XXXX, she is not able to obtain her own phone credit line. I personally feel this to be a violation of my daughters privacy rights. As she is a minor. I do not see why her being present is not acceptable. 

All of my funds are being held & my account will be closed within XXXX hours if this is not resolved amicably. They have not even provided a written notice giving reason for the restriction I do not even wish to bank with chase at this point

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: FL

Complaint narrative:
This company is reporting a {$16000.00} loan for solar panels I never purchased. I have called this company multiple times to further investigate this matter, and they have an account open In my name but no contract with my signature authorizing the agreement. 

I did buy solar but with another company. This company should not be reporting any information to my credit report as I have no relationship with this company. This inaccurate reporting has harmed my ability to get lending with other creditors. 

I need this inaccurate information removed immediately. I will also need compensation for the damages caused by 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 2023-11-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: Select Management Resources, LLC
State: TX

Complaint narrative:
I never finish pay the loan because the interest, I pay XXXX a month, buet is just the interest. I do not want to lose my car because of this, I think I pay the loan XXXX times. 
I need help please with this issue. I have health problems and I can not make payments. 
I borrowed XXXX but the interest is a lot. Loan Star Title Loans on XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX. Please I need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 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: PA

Complaint narrative:
This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-08 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I got a letter in the mail about a credit card I was supposedly applying for, but I havent been. After running a credit report check, I actually noticed several accounts that were not mine. I immediately contacted the companies ( Sephora & XXXX ) to close any accounts & dispute all charges. I spoke to XXXX in Sephoras account protection division on XX/XX/XXXX, in order to close that account. No documents were requested by the company, but I did ask for a confirmation letter stating that this account was not opened by me & that I would not be responsible for any charges made to it. I was told that I would receive that letter in the mail within 14 days. Today, XXXX emailed to let me know that Sephoras investigation is closed and they claim it is my account. It is not my account, nor are any of the three others that have been opened or tried to open in my name. Im not sure how much of an investigation was done, but I was not contacted again for any further information. I was only asked to verify personal information & if I had shopped at the store before.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-09 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: FL

Complaint narrative:
I appreciate your assistance in REMOVING a portion of the data in my credit file that resulted from FRAUD, but I still have items passed on that should be removed or blocked. According to FCRA section 605, you must destroy any records found on an ID THEFT REPORT. I remembered this report from a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXX  Balance Owed XXXX {$0.00} ; XXXX XXXXXXXX Balance Owed : {$2700.00} ; XXXX XXXX Balance Owed : {$380.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$3500.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to express my deep disappointment and frustration with the ongoing dispute regarding these negative items that are inaccurately listed on my credit report. Despite my repeated efforts and communication with your company these erroneous entries continue to affect my credit score adversely. 

-- -- -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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to express my deep disappointment and frustration with the ongoing dispute regarding these negative items that are inaccurately listed on my credit report. Despite my repeated efforts and communication with your company these erroneous entries continue to affect my credit score adversely. 

-- -- -TransUnion XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FIN XXXX -- -- XXXX -- -- - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX -Equifax -- -- - XXXX XXXX XXXX  XXXX XXXXXXXX XXXX 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 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Back in XX/XX/XXXX I asked XXXX to remove the credit account from the my report after a long 2 months battle with XXXX, in one or more of XXXX writing they responded stating they would remove the account but would not returned the vehicle. I have file a small claim lawsuit in XX/XX/XXXX to address who the car belongs to and if it should have been returned. Currently there is no proof that I did business with XXXX also if the dealership made mistakes I should not be the one paying for it on my credit report. I have ask XXXX to remove this many times but still this is showing on my report.

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