vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-13 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: NY

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: MD

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : 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 2024-06-13 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: MD

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : 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 2024-06-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Ive clearly communicated multiple times via written and phone communications to Nelnet that the loans placed by XXXX XXXX  on my account are illegal as I was never their student. I visited this university day 1 of classes and I had natural disasters that occurred in my lifetime history I got severely ill and I was in the hospital for a long duration. XXXX XXXX  took advantage of the time I was in the hospital to place loans on my accounts and avoided all communications with me till today. I reported this incident more than several times to Nelnet, however, Nelnet response was to contact the school myself when the school ignores my inquiry. NELNET MUST REMOVE UNAUTHORIZED LOANS FROM XXXX XXXX  IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: TN

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: TapTap Send Inc.
State: TX

Complaint narrative:
They refused to pay me back my money that was not delivered to my local bank in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-13 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: VA

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX ACCEPTANCE Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX EXPERIAN BUSINESS CREDIT Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX AUTO FIN VIA DEALER Inquired on XX/XX/XXXX On record until XX/XX/XXXX AMERICAN CREDIT ACCEPTAN Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX AUTO FIN VIA DEALER Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX AUTO FIN VIA DEALER Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX AUTO FIN VIA DEALER Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX COMENITYCAPITAL/ALCOSM Inquired on XX/XX/XXXX On record until XX/XX/XXXX CREDIT XXXX BANK Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX REVVI/MRVBANKS/VT Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX CAPITAL ONE/WAYFAIR Inquired on XX/XX/XXXX On record until XX/XX/XXXX 2025

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 2024-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: ID

Complaint narrative:
I have a regularly scheduled transfer of {$250.00} from my checking to my savings accounts with US Bank. On Monday, XX/XX/XXXX the transfer occurred, but then the bank removed an additional {$250.00} from my checking account and that money seemingly disappeared into thin air?! I've called their customer service line every day since, and have been told they are aware of the issue and are trying to fix it. However, they have no timeline, and have made no efforts to replace the money they took from my checking account. This has got to be illegal?? My faith in the security of money management at USBank has been deeply shaken.

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 2024-06-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: NY

Complaint narrative:
I had filed a complaint with the CFPB against Sequium Asset Solutions as they were attempting to collect a debt I did not owe ( XXXX XXXX XXXX  ) and failed to provide information as required under FDCPA, but they did address incorrect credit reporting. However, it appears Sequium Asset Solutions has since sold the debt to yet another debt buyer, to XXXX XXXX XXXX ( this is how their name appears on my credit report ). This new debt buyer is trying to collect on the same debt that I do not owe, and the previous debt buyer likely violated FDCPA and other credit reporting and collection rules by selling/transferring this debt. This has risen to the level of harassment, possibly rule violations related to these debt buyers ' collection tactics. I have advised this is not my debt, I even called the alleged original creditor ( XXXX XXXX XXXX  ) as I was worried about identity theft, but they could not find me in their system as ever having an account. In fact, as I have explained to the previous debt buyer, I have never had an XXXX XXXX XXXX account of any kind, I have never owned an XXXX, and I have never lived at the alleged address associated with the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 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: IN

Complaint narrative:
To whom it may concern, I talked to Transunion Credit Reporting Agency on XXXX XXXX and they told me that the disputed account XXXX XXXX  was verified as accurate? I have sent Transunion several letters requesting a copy of the full description of the reinvestigation process to remove XXXX XXXX  from my credit file. I asked what did they updated? What did they modified? What did Transunion really investigate? If Transunion did, why XXXX XXXX is not reporting on my XXXX and XXXX credit report. I have continued to send more documents to Transunion along with my XXXX and XXXX credit report to remove XXXX XXXX. The Credit Bureaus are required to perform maximum accuracy of any disputed accounts across the board. I did not received a copy of the full description of the reinvestigation during the allotted time frame of the FCRAXXXX has violated 15 USC1681 ( i ) ( 5 ) ,15 USC 1681 ( i ) ( 7 ), 15 USC 1681 ( e ) ( b ) and 15 USC 1681 ( s ) ( 2 ). Transunion failure to provide description of reinvestigation, by FCRA law, the disputed account SHALL be removed promptly. Transunion said they have received the FTC report, XXXX attorney report and other reports to get this account removed. Documents that Transunion had asked for.

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 2024-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
I have venmo. I have a venmo debit card. It has never left my possession and I have never used it. I use Venmo on rare occasions. WHen someone owes me moeny and does nothave XXXX. I had money sent to me and when I got to work after the holiday weekend on XX/XX/XXXX I logged into my Venmo acct to transfer the money to my bank acccount and all but {$4.00} of my money was gone. There are XXXX seperate charges on my Venmo that are fraud. XX/XX/XXXX it says XXXX pending XXXX and XX/XX/XXXX is says XXXX Trip XXXX. I immediatly filed a dispute with Venmo. It said it could take 10 days to investigate and resolve my issue. I received XXXX emails from venmo later the same day denying my disute. the emails provided more info on the fradulent charges, showimg location as XXXX XXXX, XXXX. I live in Alabama. I sent them screenshots of pictures I took with my phone on both of those days showing date, time, and location of where the pictures were made and that info was recorded by my phone. It also shows my phone ID and Venmo has that on file showing where I have logged into Venmo with that phone ID. I also contacted XXXX and recieved an email from them stating they had no record of those transactions so that alone proves its a scam. Its either Venmo just stealing my money or they were hacked and my card number was stolen from them and someone posing as XXXX got the money. EIther way i sent proof these XXXX charges were fraud and I disouted the denial claim and the last communication I received on this from Venmo was 8 days ago stating they were investigating further. All they had to do in the first place was contact XXXX just like I did and they would know XXXX has no record of it. If they didnt do that then what exactly have they done to " investigate '' it? Because if they did they would know I did not make these charges and reufnd me my money. There was no reason to deny the claim in the first place and now they are dragging thier feet and not doing anything to resolve this. I also have a screenshot of texts that venmo sends to my phone any thime there is any transaction and it doe snot show any transactions doe on the date the fradulent charges were made. I don ; t understand why and the only thing I can think of is that Venmo is the one that stole my money and did not want me to mow about it until a later date so they coudl trya nd get away with it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-13 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: TX

Complaint narrative:
I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 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 utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.

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 2024-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Received a credit alert that American Express was reporting a collection account on my credit report, upon doing further research I was informed their was 5 accounts that were closed that had balances that I was unaware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: OH

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 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: CT

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: SLM CORPORATION
State: CO

Complaint narrative:
XXXX XXXX XXXX, in conjunction with Sallie Mae, used predatory practices, so I would enroll and take out over {$64000.00} in private student loans. They took advantage of my family 's lack of knowledge of lending and the education system to make me feel like enrolling and taking out loans was not a high-risk because of the success rate of their students.

I was XXXX  from the fall of XXXX through summer of XXXX. 

While I don't have documentation because most of these tactics were used over the phone or in person in the admissions office, there are many law suites proving their preditory practices. They told me that their degrees had the same accreditation as XXXX XXXX. They also lied about the success of their graduates and their starting salaries. 

My federal student loan was recently refunded because of their egregious behavior. 

They sold off one of my loans to another creditor. I did not receive notice of this, and when I contacted Sallie Mae to make sure this other company trying to collect wasn't a scam, the employee couldn't find any documentation of this. The company they sold it to looked about as fraudulent as they came. Finally, once we were on the path to their fraud department, they finally found it.

Sallie Mae has been so predatory that I have ended up in a XXXX XXXX XXXX XXXX XXXX XXXX. They would relentlessly contact me and people who have nothing to do with my finances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I got a installment loan from a company I thought was in XXXX, OH. After I had already electronic signed and started making high bi-weekly payments, I got a new job that paid weekly. I called the company XXXX and asked to change to weekly payments I was told ( by someone not from OH and obviously had been woken up by my call ) that my payment dates couldn't be changed. I asked to speak to someone in billing and was told no. I logged into my account as I had made XXXX worth of payments and figured it was almost paid off and could just pay the rest. Imagine my surprise when it showed I had only paid XXXX. I contacted the company back and stopped ACH payments as they had also forced some type of check through. After looking at the loan I saw the APR was 218 % which isn't legal in the state of OH. OH passed the max is 25 %. So I contacted my bank Huntington as I did not understand what a check was the loan company pushed through when my payment bounced as I have no checked and did not authorize them to use checks. I started the dispute process on the phone. I was sent the form to fill out and sign. I filled out the XXXX form with ALL XXXX dates and digital signed, no answer until I called again and they said it wasn't signed. So I filled out XXXX forms, where I filed a complaint with the FTC against the loan company, the loan showing the APR, the OH law about the 28 % max, the XXXX showing the company has tons of complaints, isn't verified and is actually from NV. Still no word from my bank. Below is all contact I've tried to make Calls XXXX about check XXXX  pushed. Started dispute process XXXX called update, told temp credit would be issued. Only for XXXX payment as the rep only looked at XXXX and closed case XXXX called for update on other XXXX. Told was closed and reopened and they were working on getting my money back Radio silent since Emails sent XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX They have been ignoring my emails since around XXXX and XX/XX/XXXX. This is ridiculous, I paid XXXX for a illegal loan even the loan company only called XXXX time. I need help getting my money back. Thank you XXXX verified via email documents were received

Company response to consumer: Closed with explanation