vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-26 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: Nelnet, Inc.
State: NY

Complaint narrative:
These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, XXXX, and XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached ( XXXX, CLOSED ACCOUNTS <DEPT OF ED / NELNET> Closed on XX/XX/XXXX, Highest balance {$2000.00} <DEPT OF ED / NELNET> Closed on XX/XX/XXXX, Highest balance XXXX ) ( XXXX, XXXX ACCOUNTS <DEPT OF ED / NELNET> Closed on XX/XX/XXXX, Highest balance {$2000.00} <DEPT OF ED / NELNET> Closed on XX/XX/XXXX, Highest balance XXXX XXXX ACCOUNTS- <US DEPARTMENT OF EDU> last reported XX/XX/XXXX, Highest balance {$9000.00} <US DEPARTMENT OF EDU> last reported XX/XX/XXXX, Highest balance {$2400.00} ) This is making me lose confidence in the banking system due to these violations. I the consumer do not grant XXXX, XXXX, or XXXX permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. by the Fair Credit Reporting Act XXXX  XXXX, XXXX, and XXXX have violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 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 2024-01-26 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: SC

Complaint narrative:
XXXX XXXX  had been removed from my credit report on XXXX and XXXX but not on Equifax and according to the FCRA all agencies must have the same and accurate information on the credit reports and thats a violation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
per the FCRA as a federally protected consumer I am now opting out any & all authorization i the consumer may have given written, unwritten, verbal & non verbal per 15 USC 6802 Obligations with respect to disclosures of personal information, 313.7 Form of opt out notice to consumers ; opt out methods, with said company " COLUMBIA DEBT RECOVERY '' Further this is now a " Charge-Off '' considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. 

The reporting of this account as a debt is inaccurate & the selling of my information to third parties is unlawful ; WHICH IS A VIOLATION OF YOUR PRIVACY RIGHTS UNDER THE PRIVACY ACT OF 1974

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I raised concern via CFPB regarding USAA debt collection and reporting practices for two charged off accounts. 

I was contacted today, XX/XX/26 by XXXX who stated she works for the CEO. She also ensured to inform me the call was an attempt to collect a debt. 
Without addressing my concerns that I raised, XXXX went on to notify me that there was actually another charge off not reporting and she made a request to have it added to my credit report ( retaliation l? ). When I asked for the date of delinquency she first didnt have it then after I stated such she claimed XXXX XXXX making this account beyond reporting to XXXX. 
USAA has also over drawn my checking account after assuring me this wouldnt happen- now Im questioning if this too is retaliatory?? 
How do we treat wounded service members this way? And this is the office of the CEO?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act this creditor XXXX/kay has violated my rights under 15 USC 1681 section 6 o 2 states i have the right to privacy ( 15 USC 1681 ( section 6 o 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plam as late for any purpose. 
late payments stated XXXX of XXXX late payments stated XXXX of XXXX late payments stated XXXX of XXXX please DELETE these late payments off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Chime Financial Inc
State: MN

Complaint narrative:
On XX/XX/, chime paid a bill for {$130.00} from my credit card to XXXX XXXX XXXX. I no longer had a subscription to them, it had been cancelled on XX/XX/2023. I called XXXX XXXX XXXX  to return the amt. and they stated that they never received it and to call my bank. I went to XXXX to pull up the number for chime.com and the website came up with two numbers, I called the first one listed, and a foreign man answered, ( all of the associates on chime are foreign. ) He asked how he could help, I explained the situation and he said he could return the money back to my credit card, he then instructed me to open an app called anydesk and read to him the code. He then instructed me to open up my chime app. and go to pay and receive money from anyone. He had me hold while he spoke with his supervisor to get the code. He came back and instructed me to type in ; XXXX with the code {$900.00} then hit pay, I told him I wasn't paying anyone, I was asking for my credit card to be refunded. He said, yes, yes, yes, he understood. So in the comment area, I wrote, for a refund of {$130.00}. So he then he told me to submit and close the app and hang on until he gets back to me that it was completed. I waited for 30 minutes and opened the chime app and a message came across telling me that my transfer was successfully completed for {$900.00} to XXXX XXXX. I called the bank and was informed that I was scammed. I needed to file a dispute, I have filed 3 disputes and all of them were rejected and I'm not allowed to file any more, that they claim it was my fault. They were only supposed to be in my credit card, the {$900.00} was taken from my checking account. Now they have blocked my use of the app and hand up on me when I call. I have an active checking account and credit card. Please help get my money back. I did not knowingly authorize this money to be taken from my checking account. It broke me for the rest of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: NC

Complaint narrative:
The companies, along with the credit reporting agencies, are knowingly and willingly committing Aggravated Identity Theft to collect on an extension of credit and punish me for non repayment of, when I am in fact not the debtor as they are alleging. This is a violation of 15 USC 1681a, 18 USC 1028A, 18 USC 894, The Gramm-Leach-Bliley Act, and RICO. 

This is an Identity Theft pursuant to 15 USC 1681a ( 3 ). The information I am demanding to be removed is not sent in error and is an affidavit of fact, so there is no material misrepresentation of the fact. If you believe I obtained possession of goods and services, then have a XXXX  XXXX member of this company put this information on a signed and notarized affidavit under penalty of perjury.

Once the items are removed from my consumer report, I demand that they are never put back on. If they are put back on, I will pursue litigation against your company in federal court, pursuant to 15 USC 1681o.

Per 15 USC 1681c-2, the credit reporting agency must block this information from being reported to my consumer report within 4 days of receipt of this ID Theft Report, and I am demanding that you do so.

Thank you for your help in protecting my federally protected consumer 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 2024-01-26 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: NC

Complaint narrative:
The companies, along with the credit reporting agencies, are knowingly and willingly committing Aggravated Identity Theft to collect on an extension of credit and punish me for non repayment of, when I am in fact not the debtor as they are alleging. This is a violation of 15 USC 1681a, 18 USC 1028A, 18 USC 894, The Gramm-Leach-Bliley Act, and RICO.

This is an Identity Theft pursuant to 15 USC 1681a ( 3 ). The information I am demanding to be removed is not sent in error and is an affidavit of fact, so there is no material misrepresentation of the fact. If you believe I obtained possession of goods and services, then have a XXXX  XXXX member of this company put this information on a signed and notarized affidavit under penalty of perjury. 

Once the items are removed from my consumer report, I demand that they are never put back on. If they are put back on, I will pursue litigation against your company in federal court, pursuant to 15 USC 1681o.

Per 15 USC 1681c-2, the credit reporting agency must block this information from being reported to my consumer report within 4 days of receipt of this ID Theft Report, and I am demanding that you do so.

Thank you for your help in protecting my federally protected consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 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: NC

Complaint narrative:
The companies, along with the credit reporting agencies, are knowingly and willingly committing Aggravated Identity Theft to collect on an extension of credit and punish me for non repayment of, when I am in fact not the debtor as they are alleging. This is a violation of 15 USC 1681a, 18 USC 1028A, 18 USC 894, The Gramm-Leach-Bliley Act, and RICO.

This is an Identity Theft pursuant to 15 USC 1681a ( 3 ). The information I am demanding to be removed is not sent in error and is an affidavit of fact, so there is no material misrepresentation of the fact. If you believe I obtained possession of goods and services, then have a XXXX  XXXX member of this company put this information on a signed and notarized affidavit under penalty of perjury. 

Once the items are removed from my consumer report, I demand that they are never put back on. If they are put back on, I will pursue litigation against your company in federal court, pursuant to 15 USC 1681o. 

Per 15 USC 1681c-2, the credit reporting agency must block this information from being reported to my consumer report within 4 days of receipt of this ID Theft Report, and I am demanding that you do so.

Thank you for your help in protecting my federally protected consumer 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 explanation
Consumer complaint received 2024-01-26 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: OH

Complaint narrative:
I reviewed my consumer report and noticed that i had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates of XX/XX/2023 and XX/XX/2023. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached :

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 2024-01-26 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
Credit acceptance is charging me for a 2013 XXXX XXXX that is over priced and I have high entrance rate and come to find out the car is not worth that much i been tryna to get it removed and I have multiple late payments that need to be cleaned up

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 2024-01-26 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: NC

Complaint narrative:
This is an Identity Theft pursuant to 15 USC 1681a ( 3 ). The information I am demanding to be removed is not sent in error and is an affidavit of fact, so there is no material misrepresentation of the fact. If you believe I obtained possession of goods and services, then have a senior executive member of this company put this information on a signed and notarized affidavit under penalty of perjury.

Once the items are removed from my consumer report, I demand that they are never put back on. If they are put back on, I will pursue litigation against your company in federal court, pursuant to 15 USC 1681o.

Per 15 USC 1681c-2, the credit reporting agency must block this information from being reported to my consumer report within 4 days of receipt of this ID Theft Report, and I am demanding that you do so. 

Thank you for your help in protecting my federally protected consumer 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 2024-01-26 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: NC

Complaint narrative:
This is an Identity Theft pursuant to 15 USC 1681a ( 3 ). The information I am demanding to be removed is not sent in error and is an affidavit of fact, so there is no material misrepresentation of the fact. If you believe I obtained possession of goods and services, then have a senior executive member of this company put this information on a signed and notarized affidavit under penalty of perjury. 

Once the items are removed from my consumer report, I demand that they are never put back on. If they are put back on, I will pursue litigation against your company in federal court, pursuant to 15 USC 1681o. 

Per 15 USC 1681c-2, the credit reporting agency must block this information from being reported to my consumer report within 4 days of receipt of this ID Theft Report, and I am demanding that you do so. 

Thank you for your help in protecting my federally protected consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These accounts show late payments, that is incorrect information that I need to review. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UPGRADE, INC.
State: CA

Complaint narrative:
I am writing to file a complaint against Upgrade Inc. with CFPB due to sudden suspension of my XXXX XXXX XXXX on XXXX XX/XX/year>. Since then, I have been calling Upgrade almost every day & also emailing them to activate the account, every time same reply : We are currently reviewing the account. There is no update available at this time. The lack of explanation or resolution has caused significant inconvenience & distress.

When we tried to transfer our funds outside the account, they suspended our account and have not provided us any reason why. We have also asked them to close our account and transfer our funds to our external account and they are also not closing our account either. 

We have seen many complaints from other people with the same issue that when they try to transfer their money outside their account, their accounts also get suspended by Upgrade and they keep waiting for months with no reply.

Upgrade is illegally holding my money without my consent and we want strict action and investigation taken against them as they are dealing with fraudulent practices. 

I am XXXX XXXX suffering from XXXX and need money for day-to-day activities. I request immediate account Unsuspension & compensation for inconvenience and stress. I want my account closed and all my money transferred to my external account ASAP. I request the CFPB to please facilitate swift resolution to this matter. I request your assistance in resolving the matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I had to travel for a funeral and found a company that helps veterans with flight fees. On XX/XX/XXXX I saw on my credit report that the account was showing a 30 days late payment XX/XX/XXXX and 30 days late XX/XX/XXXX. I emailed XXXX XXXX XXXX at XXXX XXXX  XXXX XXXX. Additionally, I called XXXX XXXX XXXX XX/XX/XXXX to ask for this inaccurate information to be updated. I was given a confirmation email stating that if I paid XXXX XXXX XXXX  {$1100.00} ( my remaining balance in full ) they would remove the inaccurate information. Here it is, XX/XX/XXXX, and the account is only showing as closed with still late payments. This is effecting my credit score and my 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 explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I had to travel for a funeral and found a company that helps veterans with flight fees. On XX/XX/XXXX I saw on my credit report that the account was showing a 30 days late payment XX/XX/XXXX and 30 days late XX/XX/XXXX. I emailed XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. Additionally, I called XXXX XXXX XXXX XX/XX/XXXX to ask for this inaccurate information to be updated. I was given a confirmation email stating that if I paid XXXX XXXX XXXX  {$1100.00} ( my remaining balance in full ) they would remove the inaccurate information. Here it is, XX/XX/XXXX, and the account is only showing as closed with still late payments. This is effecting my credit score and my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I had to travel for a funeral and found a company that helps veterans with flight fees. On XX/XX/XXXX I saw on my credit report that the account was showing a 30 days late payment XX/XX/XXXX and 30 days late XX/XX/XXXX. I emailed XXXX XXXX XXXX at XXXXXXXX XXXX XXXXXXXX XXXX. Additionally, I called XXXX XXXX XXXX XX/XX/XXXX to ask for this inaccurate information to be updated. I was given a confirmation email stating that if I paid XXXX XXXX XXXX  {$1100.00} ( my remaining balance in full ) they would remove the inaccurate information. Here it is, XX/XX/XXXX, and the account is only showing as closed with still late payments. This is effecting my credit score and my 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 2024-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: CO

Complaint narrative:
Nelnet transferred the entirety of my student loan portfolio to another federal loan servicer. They did not update my credit report to reflect that. As of today, XX/XX/year>, the loan continue to show open and the last status date was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: NJ

Complaint narrative:
I am urgently appealing to you to swiftly eliminate the unauthorized ACCOUNTS from my credit report since I did not provide authorization for them, and they are causing me considerable distress. I implore you to rectify this error promptly.

Company response to consumer: Closed with non-monetary relief