vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On or about XXXX of 2023 Capital One restricted my account just when I qualified for my rewards of {$200.00}. I asked them why the restriction and they said they detected Fraud and needed proof of income which I sent to them, then they needed proof of my XXXX account with proof of address which I gave to them Numerous times. What this has to do with fraud is beyond me. I Also sent them a copy of my drivers license and Social Security card. That still didnt satisfy them. I sent them more bank statements and a copy of my utility bill, still wouldnt lift the restrictions. I finally said how bout just honoring my rewards points and got the song and dance about they couldnt release the points until they were satisfied with the harassing stipulations they were putting me through. I dont care if I ever use my capital one card I just want what I earned. Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: GA

Complaint narrative:
CONSUMER XXXX XXXX Amount {$22000.00} is not my auto loan. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 sw 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, In fact therefore exists.

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 2023-10-05 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: GA

Complaint narrative:
CONSUMER XXXX XXXX Amount {$22000.00} is not my auto loan. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 sw 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, In fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
CONSUMER XXXX XXXX Amount {$22000.00} is not my auto loan. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 sw 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, In fact therefore exists.

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 2023-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: NM

Complaint narrative:
XXXX  days ago my social security was started. XXXX direct, comerica bank is the company which social security uses to handle the pay cards. 
They never verified my address and sent the first card to a XXXX XXXXXXXX XXXX address i do not live at. We discovered the address discreppency they nulled the first card and expidited a card to me charging # XXXX. 
I recieved the card and tried to activate it. They required me to send copies of my id to them and was told a security code would be sent to me. This was never sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: Marlette Funding, LLC
State: NY

Complaint narrative:
I am not denying my account or stating this account isn't mine. I am not asking for verification as defined pursuant to 15 U.S. Code 1681a ( l ) ( 2 ) ( A ) information in the consumers application for the credit or other information bearing on the credit worthiness of the consumer ; or pursuant to 15 U.S. Code 1681a ( l ) ( 2 ) ( B ) of the information in the consumers application for the credit to determine that the consumer meets the specific criteria bearing on credit worthiness or insurability. I am demanding you to remove my account information as you have no permissible purpose to furnish a consumer report in regards to i the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
Transworld System Inc. posted a collection debt to my XXXX credit report on XXXX. I have never engaged in or transacted any business with Transworld System nor the company they appear to be representing ( XXXX XXXX ). 
Further, Transworld System Inc. never attempted to communicate with me via mail to establish ownership of this alleged debt prior to appending it to my credit report. This is a strict violation of the FDCPA 809 Validation of Debts rule. I should have been notified of this alleged debt then allowed 30 days to dispute this debt directly with Transworld System prior to the debt appearing on my credit report. 
Transworld should remove this debt from my credit reports as it does not belong to me and is presumably identity theft. I have filed two police reports in XXXX, Texas following XXXX XXXX XXXX ( XXXX in XXXX and another in XXXX ). 
I have no debt obligations with XXXX XXXX nor with Transworld System and would like Transworld to cease any further collection activity related to this invalid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
On XX/XX/2023, I noticed that I had an XXXXXXXX  fee of XXXX after my nightly balance was XXXX in the positive. This left me with an XXXX. On XX/XX/XXXX I woke up and saw that I now had XXXX in XXXX XXXX fees. I contacted the bank immediately and they told me it was because my account was in the XXXX during processing times and after updates items that cleared and settled is what caused the fees. They then went on to show me where my XXXX was XXXX or XXXX between XX/XX/XXXX and XX/XX/XXXX. I explained each time I got a notification that my acct was in the negative I transferred funds to cover the XXXX balances, before the cutoff times and those funds were available immediately. I then went in to explain and show how my account was positive each time the fees were accessed. She refused to acknowledge said deposits or admit to any wrong doing on the banks behalf. She said as a courtesy they would waive the XXXX because I have a long banking history with them. I was not really satisfied but I didnt have the energy to continue to go back and forth over fees. The morning of XX/XX/XXXX I woke up to another XXXX in overdraft fees. I again contacted the bank and was told pretty much that even though I brought my account current fees were pending initially as well and that even though I made deposits when alerted to avoid any negative impacts they didnt really count towards some XXXX XXXX. grace period. My bank statements show each time a fee was assessed that it was in a positive standing. Granted it wasnt by lots but it was positive and I did my due diligence to ensure the acct stayed in the positive by transferring money to cover. Normally I do not fight this hard however I feel as if I am being robbed as a consumer.

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 2023-10-05 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: Affirm Holdings, Inc
State: WI

Complaint narrative:
Affirm reported my paid off loan to XXXX. My credit limit was increased and other loans were made and paid in full and on time. Because Affirm showed my first loan was paid and NO NEW loans were reported, my credit score was lowered instead of increased by the repayment of more loans.. This is damaging and has prevented my establishing new lines of credit due to a lower than actual score if all " Eligible '' loans were reported. 

In 2 years I had multiple loans and payments, all paid on time or early in full without a single late payment. 

They claim that not all loans are eligible for reporting and that is not in dispute. What is in dispute is that the loans not reported are identical contracts language wise as the previously reported loan, but were of different contractual amounts and term length which were 12 months instead of 6. 

The problem is the conflict of interest. With failure to report my perfect credit history with Affirm, it has severely limited my ability to seek other credit lines and reduced my ability to increase my credit score leaving me with only Affirm as as " XXXX XXXX XXXX '' Their policy in this matter is a racket to maintain a monopoly of sorts by preventing me from seeking other and better options. 

This has damaged me as the failure to report has lowered my score instead of increasing it. The ability to rent, purchase, or get credit without security deposit and extreme interest rates has been suppressed. 

Affirm actually offered and I accepted a credit card to be used at any location. But I have to " Prearrange '' the transaction and amount before purchase. I have been turned down for other lines of credit that I would have qualified for if my paid off and current loans had been properly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: PA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: W&A Intermediate Co., LLC
State: MO

Complaint narrative:
Wakefield and Associates has multiple times during phone calls, threatened myself with jail time. They were recently sued for exaggerating the amounts owed in office and charging more than then the actual debt. 

Most of the time when I speak with them they are very hostile and unwilling to listen. I was told I was nothing at a point and that is why they sued me for medical debts. 

They are all around unprofessional and have only recently been acting professional toward myself since the lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: MA

Complaint narrative:
I am writing to formally dispute and request the removal of inaccurate information on my credit report. On XX/XX/XXXX, I contacted Experian regarding the following incorrect account details : 1. Account Name : XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Highest Balance : {$44000.00} 2. Account Name : XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX XXXX : {$0.00} 3. Account Name : XXXX XXXX  XXXX Date Opened : XXXX XXXX, XXXX Credit Limit : {$500.00} I have not received any response from Experian regarding these matters to date.

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 2023-10-05 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: FL

Complaint narrative:
IN ACCORDANCE WHIT THR FAIR CREDIT REPORTING ACT : XXXX XXXX XXXX ACCOUNT XXXX XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PROVACY.

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 2023-10-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
I requested that Aidvantage provide me with a signed, dated loan agreement ( i.e., promissory note ) that indebted to them for the alleged student loans. In order for a contract to be enforceable, the agreement/promissory note must contain the following information : the date of the loan, the dollar amount, the names of both parties, the rate of interest, any collateral involved, and the timeline for repayment. I have attached two versions of the letter sent to Aidvantage via certified mail. 
The information provided to be by Aidvantage only contained a loan amount and disbursement date. The other mandatory, contract enforceable items were not included. 
A contract constitutes an agreement between two or more parties. This agreement can not be made if one, or both, parties does not explicitly know how much they are required to pay back and by when AND if the contract has not been signed by BOTH parties to solidify the agreement. Again, the documents provided by Aidvantage did not include these required elements which therefore voids any alleged debt associated with my name and social security number. 
Please instruct Aidvantage to cancel any associated debts that exist in their system linked to my name and social security number as their contract/loan agreement is not legally enforceable since it does not contain the required elements for a legally binding contract/agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: FL

Complaint narrative:
Nelnet.com is the servicer for my loan. 

This was not the original servicer for my loan, but I was told they now are. 

My information on their website states that I have an account already. 

When I try to retrieve my information the site page associated with that is down. 

I am too busy to sit on their ( XXXX ) customer service line as they have hold times greater than ten minutes during the times I am available to talk. 

I am being told I need to start repaying my load this month ( since required payments were on federal hold until recently ). 

How am I supposed to start paying when my new servicer for my loan doesnt have a functional site for me to find my loans to pay on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 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 non-monetary relief
Consumer complaint received 2023-10-05 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: FL

Complaint narrative:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
After receiving my monthly consumer report, I l reviewed it and noticing several accounts that's reporting to my consumer report without my consent and which is also inaccurate or invalid. I've mailed Experian a dispute letter asking them to investigate this account that isn't authorized to be reporting. Without my consent, that is a violation. This unverified account is negatively impacting my credit score in which it doesn't even belong. How are they reporting a debt if there aren't any agreements by me to report it? How can I owe a debt if me and the creditor never had any existing agreements on a balance in order for this debt to occur? I have no knowledge of this company reporting this account in which Experian should be able to see that we haven't agreed on anything. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, this account shouldn't be reporting. 

Violations committed : 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b - Permissible purposes of consumer reports

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 2023-10-05 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: MA

Complaint narrative:
I am writing to formally dispute and request the removal of inaccurate information on my credit report. On XX/XX/XXXX, I contacted Equifax regarding the following incorrect account details : 1. Account Name : XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00} 2. Account Name : XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$0.00} 3. Account Name : XXXX XXXX XXXXXXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00} I have not received any response from Equifax regarding these matters to date.

Company response to consumer: Closed with non-monetary relief