vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, PA XXXX XXXX, GA XXXX To Whom It May Concern ; I need clarification as to why are. you reporting certain information on my credit report. Please review the following : Account name : XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX  XXXX  YOU ARE REPORTING THESE ACCOUNTS AS CHARGED OFF YET, YOU ALSO REPORT A MONTHLY PAYMENT! DELETE ACCOUNTS IMMEDIATELY FOR INACCURATE REPORTING. 

After you finished my request, send me a copy of my credit report reflecting these changes. 

Thank You, XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
To whom it may concern, I received a phone call from a company called GENESIS FS Card. They were looking for a payment on a card they issued to some one pretending to be me. As per the agent this is a Master card with the last four ending in XXXX. That's how I learned about this issue. I suggested to them to cancel the card because it was not me. I have no knowledge of this card or account opened in my name. The card company claims the card purchases were made in another state. I am filling the report because I believe I am a victim of FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is XXXX XXXX I'm complaining about your failure to respond to my request to provide MOV, It has been already over 30 days but I still haven't received any response from you. This matter to me and I am prepared to take legal actions if that's what it takes for you to take this matter seriously.

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 2022-10-06 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
SYNCB/PPC Account XXXX XXXX Account Status Closed Charge Off Payment Status Past Due - {$2400.00} Balance Owed {$2400.00} Payment Amount {$0.00} Credit Limit {$2100.00} According to XXXX, XXXX XXXX your company is required by Federal Law to verify through the PHYSICAL VERIFICATION of the ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT of any and all accounts you request to be posted and or reported on a credit report. I thereby and hereby demand to see a copy of the Verifiable, Validated Proof ( a Certified Copy of the original Signed Consumer Contract, copies of copies are not Validation and by Law are not considered Legally compliant proof ), that you have on file for the account ( s ) listed above. Under the FCRA, unverified, invalid accounts must be removed from credit reporting. If you are unable or unwilling to provide me with a copy of the verifiable/validated compliant proof that you have on file within 30 calendar days from the receipt of this notice, for the account ( s ) listed above then you must at once remove the account from XXXX XXXX credit reports. I demand the account be verified or removed IMMEDIATELY! The law is VERY clear as to the Civil Liability and the remedy available to me for the negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law.

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 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
XXXX XXXX XXXX The dates are incorrect along with Balance XXXX They have not provided the original contract of debt. Along with dates are inaccurate. 


In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX  account # XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, 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: WI

Complaint narrative:
XXXX XXXX XXXX The dates are incorrect along with Balance XXXX They have not provided the original contract of debt. Along with dates are inaccurate. 


In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX  account # XXXX, has violated my rights. 

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

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 2022-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XXXX XXXX I used cash app to wire funds in the amount of {$810.00} to a supposed XXXX XXXX for a XXXXXXXX XXXX  trade. They said to use this name and send the funds for bills and food but come to find out it was a scam and I tried to decline the transfer but it had already gone through. The people then threatened me to send more money and hacked my social media to then scam other people out of money. I reported it with cash app and supposedly did an investigation into the scam but said they could not recover the funds. My bank said to try with them first and there was no luck and since it was approved they will not pursue to get the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: VA

Complaint narrative:
I had requested a refund from nelnet on XX/XX/30 which they had approved & since then I have had no contact & no refund from them. As this refund was for {$21000.00} I think it is very disrespectful to move so slowly with no contact with such a large amount of money. During this call they had stated it would take 4-6 weeks to process. As we approach the 6 week mark with no contact I fear they have not made me a priority.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX I'm complaining about your failure to respond to my request to provide XXXX, It has been already over 30 days but I still haven't received any response from you. This matter to me and I am prepared to take legal actions if that's what it takes for you to take this matter seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, PA XXXX XXXX, GA XXXX To Whom It May Concern ; I need clarification as to why are. you reporting certain information on my credit report. Please review the following : Account name : XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX  XXXX  YOU ARE REPORTING THESE ACCOUNTS AS CHARGED OFF YET, YOU ALSO REPORT A MONTHLY PAYMENT! DELETE ACCOUNTS IMMEDIATELY FOR INACCURATE REPORTING. 

After you finished my request, send me a copy of my credit report reflecting these changes. 

Thank You, 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 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, PA XXXX XXXX, GA XXXX To Whom It May Concern ; I need clarification as to why are. you reporting certain information on my credit report. Please review the following : Account name : XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX  YOU ARE REPORTING THESE ACCOUNTS AS CHARGED OFF YET, YOU ALSO REPORT A MONTHLY PAYMENT! DELETE ACCOUNTS IMMEDIATELY FOR INACCURATE REPORTING. 

After you finished my request, send me a copy of my credit report reflecting these changes. 

Thank You, XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc.
State: VA

Complaint narrative:
I have been receiving repeated calls ( 7-10x a day ) from this company. I asked them to stop calling but they continue to harass me. On XX/XX/XXXX, I received notification that there is a debt on my credit report. When I go to check the collection, it says that I opened an account in XXXX for over {$13000.00} and that there was recent activity in XXXX. I have never spoke to these people, nor have I received any opportunities to dispute this debt. I feel that my rights have been violated as I have not even been presented with documentation of when this debt was created and Im certain that I did not create new debt in XXXX outside of the purchase of my home. I am asking that this be deleted from all of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, 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:
n accordance with the Fair Credit Reporting act XXXX XXXX {$830.00} has violated my rights. 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

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 2022-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I JUST FOUND OUT ON XX/XX/22 THAT MY CAPITAL ONE BANK ACCESS CARD THAT I OPENED AND SECURED WITH MY SOCIAL SECURITY CREDIT CARD WAS CLOSED WITHOUT MY KNOWLEDGE. I GAVE CONSIDERATION TO CAPITAL ONE BANK AND IN RETURN DID NOT RECEIVE ANY CONSIDERATION TO MAKE THIS A MUTUAL BINDING CONTRACT. AS THE CARDHOLDER AND BENEFICIARY THE CONSUMER SHOULD BENEFIT FROM THE CONSUMER CREDIT TRANSACTION BETWEEN CAPITAL ONE BANK AND CONSUMER AND THE RIGHT GRANTED TO THE ENTITLEMENT OF FUNDS. THE CONSUMER DID NOT BENEFIT FROM THIS RELATIONSHIP. CAPITAL ONE BANK PLACED ALL LIABILITIES ON THE CONSUMER/BENEFICIARY AND BROKE ITS FIDUCIARY OBLIGATIONS TO THE CONSUMER BY UNDUE INFLUENCE AND WILLFUL NONCOMPLIANCE TO THE LAWS AND NEEDS OF THE CONSUMERS. TRUST BETWEEN CORPORATION AND CONSUMER WAS BROKEN WHEN ITS EVIDENCE ON FACE THAT THE CONSUMER CARDHOLDER HAS RIGHTS AND INTERESTS AND SHOULD BENEFIT FROM HIS PRINCIPLE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
On XX/XX/XXXX, Santander sent XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, LA XXXX XXXX to my house and repossessed my XXXX XXXX XXXX XXXX vin number XXXX in violation of The statute of limitations is Collection of Debt on Account 3 yrs. Civ. Code 3494 ( 4 ) has passed on the debt. Please read the previous complaint filed in XXXX and other previous complaints regarding this issue. My son has no way to get to work. all our belongings are in the car he will lose his job. They have continued to harass me by sending random people at all hours of the night on my property scaring me because I do not know who they are and they do not identify themselves. Santander was made aware of this in XXXX of XXXX in the previous complaint .santander charged it off on the credit report and stated in court papers they no longer want the vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$11000.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$8600.00} ), XXXX XXXX XXXX  ( Date Opened XXXX XXXX, XXXX, Balance : {$3500.00} ), XXXX BANK ( Date Opened : XXXX XXXX, XXXX, Balance : {$1500.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$820.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$7300.00} ), XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$1600.00} ) Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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.

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 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX {$830.00} has violated my rights. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, 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: OH

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX  {$830.00} has violated my rights. 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

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 2022-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: MI

Complaint narrative:
I decided to switch fromXXXX to another XXXX. In order to do that and keep my same phones, it was required to pay off remaining balance which were the cost of the phones and monthly phone bill. XXXX payments were provide to complete this before they would unlock the phones to allow the new XXXX to activate them. The first payment was for {$440.00} paid on XX/XX/2022 at XXXX XXXX. The phones still wouldn't activate which lead me to call back to be told there was still a balance that needed to be paid and the second payment was {$180.00} on XX/XX/2022 paid at XXXX XXXX. I talked to XXXX people who advised that all balances were now paid and the account was successful closed and phones will now be able to be unlocked for the new XXXX. All of a sudden I receive a XXXX point decrease across all three credit reporting for collections from Ashmer Collections to collect {$460.00} for the cost of the phones! I have attempted to dispute immediately and sent both proof of payments and its still reporting. I've requested validation of debt and dispute papers and gato not received. I call them weekly and only keep getting short rude responses saying to wait for the documents! I was in the middle of buying a house and this stopped me causing devastation to my family! I want this DELETED for all three reports NOW!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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