vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-25 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: NJ

Complaint narrative:
I have an account on my credit report from XXXX XXXX that is not mine and determined by XXXX XXXX not to be mine and not responsible for this account, but yet still Experian responded to me that it was verified and accurate. Again another blatant lie and violation of rights under FCRA. I will be initiating lawsuits against for the blatant disregard of the FCRA laws implemented for the Credit bureaus to follow. I also have a bankruptcy reporting on my credit report that was stated to be verified and accurately reporting, I requested source of legit proof of verification and the only thing received was that the courts verified it but I'm in enclosing proof that this is also a blatant lie.

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 2024-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I paid a lot of money in nfs fees, and unable to receive my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: Rent Recovery Solutions
State: GA

Complaint narrative:
I am writing in response to the recent communication I received from your company regarding the collection of a debt. I would like to bring to your attention that I have not entered into any contractual agreement with your company, nor have I authorized the transfer of my debt from the original creditor. 

It has come to my attention that you have purchased the debt from XXXX XXXX XXXX XXXX. While I acknowledge that there may be an outstanding debt, I must emphasize that your company does not have any legal right to collect this debt from me. 

I kindly request that you provide me with proper documentation proving your legal authority to collect this debt. This includes a signed agreement or contract between your company and myself, clearly indicating my consent to transfer the debt to your organization. If you fail to provide such documentation, I must insist that you cease all collection activities and remove any negative remarks or listings related to this debt from my credit report. 

Please consider this letter as my formal dispute of the debt and a request for verification of its validity. I also request that you provide me with a written response within 30 days of receiving this letter, confirming the actions you have taken to resolve this matter. Failure to respond within the given timeframe will be interpreted as an acknowledgment of the debt 's invalidity and will result in further actions to protect my rights. 

I would like to remind you that it is your legal obligation to adhere to the Fair Debt Collection Practices Act ( FDCPA ) and all other applicable laws and regulations governing debt collection. Any violation of these laws will not be taken lightly, and I reserve the right to pursue legal action if necessary. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Should you have any questions or require any additional information, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Marcus by Goldman Sachs regarding an alarming and unresolved issue I have encountered with my high yield savings account. 

I had three savings accounts with Marcus, and I initiated a transfer of {$110.00} from an external bank to one of these accounts. Approximately one week later, I received notification that Marcus had forcibly closed my account without providing any explanation. Upon contacting the bank for clarification, I was informed that they are not obligated to disclose the reason for the account closure. 

My primary concern, however, is the unreturned funds. I inquired about the {$110.00} I had transferred to the closed account, and Marcus assured me that the funds would be returned within 7-10 business days. Unfortunately, it has been over a month, and I have yet to receive my money despite multiple attempts to address the issue through numerous phone calls. 

As a XXXX  XXXX  without a job, these funds are crucial for my financial stability. I am facing significant challenges due to this unresolved situation, and the repeated delays in returning my money are causing undue stress. 

Initially, I was informed that my account was forcibly closed without a specific reason given. However, during a recent call on XX/XX/XXXX, I was told that the account is not closed but is, in fact, locked. This revelation has added to my confusion and has left me without access to my funds for an extended period. 

I kindly request the Consumer Financial Protection Bureau 's intervention to investigate this matter promptly and ensure a resolution. Your assistance in addressing this issue is greatly appreciated, as I urgently need access to my funds for my education and living expenses. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: TX

Complaint narrative:
I have mailed letters on XX/XX/year>, XX/XX/year>, and XX/XX/year> to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. 

Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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: TX

Complaint narrative:
I have mailed letters on XX/XX/2023, XX/XX/2023, and XX/XX/2023 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. 

Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
Make a validation with all of the information.

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 2024-01-25 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
This is not my account for {$200.00}. Please remove this item from my credit report. I am an XXXX breach settlement victim ; my info was compromised. I do not have an alleged binding agreed contract with this company, Amsher Collection Services inc. I have requested a signed contract from Amsher Collection Service to validate a business relationship with alleged company. It has not been received and I do not want this collection to continue to negatively affect my credit report. This is not my account and please have this removed from any & all credit bureaus they have attached & posted this alleged credit debt in the amount of {$200.00}. I am a XXXX  and I have been notified my account was breached with XXXX and I have learned to check my credit to protect myself and saw this on the report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-01-25 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: IL

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit 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 explanation
Consumer complaint received 2024-01-25 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: TN

Complaint narrative:
I noticed various problems with my credit reports and need them to be fixed, there is a letter describing all of these issuses

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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: NY

Complaint narrative:
THIS IS REALLY FRUSTRATING ME!! This claim of inquiry is as of yet without testimonial physical confirmation of adequately lawfully achieved permissible purpose from anyone adequately identified as EXACTLY me and or from anyone authorized to yield permissible purpose for me. It is my belief that it can not and or will not be certificated, as requisite by federal laws, with PHYSICAL DOCUMENT EVIDENCE that any such accusation of attempted or achieved application for credit or otherwise was made by me, with my knowledge, and or with my consent or that of anyone authorized to do so for me. It is my consumer rights to do so, and I am now and here in composition executing the rights to forcibly compel you to factually demonstrate every and one even each any and all of the mandated and or provided proofs that indeed I or my authorized agent truly, accurately, timely, and compliantly consented to this inquiry. I do so in light of at least the federal laws including the XXXX enacted Metro-2 compliance regulations, FCRA Section 609, FCRA Section 605, in accordance to FCRA 1681 ( b ) ( e ) as well as the accuracy of this inquiry via FCRA Section 623.As you know, allegations due to subterfuge is illegal and unauthorized. DELETE TODAY, even right NOW and right HERE SINCE YOU CAN NOT or WILL NOT be able to present Verified Validating Evidence by physically giving the certificate of the TRUTH, ACCURACY, COMPLETENESS, and or COMPLIANCE within the OBLIGATORY FEDERALLY DEFINED TIMELY manner to every and one even each any and or all of the aspects or articles of this claim including but NOT limited to all notations, dates, identities, the 426 character P6 statement ( s ), minimal five ( 5 ) portioned Personal Identifiers,386 pieces of Confirmation, any and one Alpha-/ Numeric-/ and or Alphanumeric Source Code ( s ), whether mentioned or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
THIS IS REALLY FRUSTRATING ME!! This claim of inquiry is as of yet without testimonial physical confirmation of adequately lawfully achieved permissible purpose from anyone adequately identified as EXACTLY me and or from anyone authorized to yield permissible purpose for me. It is my belief that it can not and or will not be certificated, as requisite by federal laws, with PHYSICAL DOCUMENT EVIDENCE that any such accusation of attempted or achieved application for credit or otherwise was made by me, with my knowledge, and or with my consent or that of anyone authorized to do so for me. It is my consumer rights to do so, and I am now and here in composition executing the rights to forcibly compel you to factually demonstrate every and one even each any and all of the mandated and or provided proofs that indeed I or my authorized agent truly, accurately, timely, and compliantly consented to this inquiry. I do so in light of at least the federal laws including the XXXX enacted XXXX compliance regulations, FCRA Section 609, FCRA Section 605, in accordance to FCRA 1681 ( b ) ( e ) as well as the accuracy of this inquiry via FCRA Section 623.As you know, allegations due to subterfuge is illegal and unauthorized. DELETE TODAY, even right NOW and right HERE SINCE YOU CAN NOT or WILL NOT be able to present Verified Validating Evidence by physically giving the certificate of the TRUTH, ACCURACY, COMPLETENESS, and or COMPLIANCE within the OBLIGATORY FEDERALLY DEFINED TIMELY manner to every and one even each any and or all of the aspects or articles of this claim including but NOT limited to all notations, dates, identities, the 426 character P6 statement ( s ), minimal five ( 5 ) portioned Personal Identifiers,386 pieces of Confirmation, any and one Alpha-/ Numeric-/ and or Alphanumeric Source Code ( s ), whether mentioned or not.

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 2024-01-25 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: SC

Complaint narrative:
Transunion is using in proper use of my credit by providing XXXX late payments on my credit report with out my written consent in accordance with the Fair Credit Reporting Act is violating my federally protected consumer rights to privacy and confidentiality under 15 USC 1681sec 602 and 15 USC 1681 sec 604 A sec 2 states a creditor must have written consent if not is against FCRA an 15USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

this is my second notice to your to have this removed i also have filed an complaint with the FTC

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 2024-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
On XX/XX/year>, XXXX exact transactions of the same amount were transfered from my checking account to a bank in XXXX. I called wells fargo that day to report the claim, canceled my card and they still authorized the money transfers XXXX days later, even through the card was deactivated. I Contacted wells fargo a month later and they denied the claim. I did not authorize these transfers, my debit card information was stolen off a website we assume. Wells Fargo claims I authorized these but its very obvious that it was fraud to the account.

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 2024-01-25 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: AZ

Complaint narrative:
My loan transferred from Great Lakes to Nelnet. I am missing tax statements from when I submitted payments to Great Lakes in the beginning of XXXX. They state the account is closed and I need to go through Nelnet however no payments transferred in the conversion. I was using another party to submit loan payments so I have documentation that Great Lakes accepted the payments and payments were taken out of my account. However Great Lakes can not provide me any tax documentation for XXXX  that payments were received.

Company response to consumer: Closed with explanation