vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-21 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: Nelnet, Inc.
State: TN

Complaint narrative:
I am submitting this complaint because NELNET has acquired my student loans without proper consent and they are also reporting inaccurate unfair information on my consumer report. I have never done any business with this organization and they haven't provided me with the proper documentation verifying I went into a contract with them, yet they are reporting late payments on my consumer report. This is unfair and a violation of 15 USC 1681 of the FCRA.

I am aware that this organization has assumed this role and I am also aware that 15 USC 1681 states that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
This company has acted unfairly and also has violated my right to privacy by acquiring my personal information and also sharing it with 3rd party organizations without my written consent. 
The late payments that this company have furnished are inaccurate because I was a XXXX XXXX XXXX at the XXXX  XXXX XXXX at that period of time and students aren't required to make payments while they are still attending school I simply want these late payments deleted because they are unfair and haven't been verified. 
I am hereby requesting my investigative consumer report to show valid proof that this account is being reported accurately. 
Keep in mind under the FCRA 15 USC 1681d- ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 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: NY

Complaint narrative:
In accordance with the fair credit Reporting act these companies ; XXXX  XXXX XXXX, XXXX XXXX # XXXX and XXXX  # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Im reaching out on behalf of my late payments that occurred from XX/XX/XXXX to XXXX XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I noticed damages on my credit report. According to the 15 U.S.C1681 law, there should not be any damages to my report. This is a deformation to my character!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I noticed damages on my credit report. According to the 15 U.S.C1681 law, there should not be any damages to my report. This is a deformation to my character!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Someone stole my credit card then used it fraudulently. I contacted the card user about the fraud. I sent the card issuer an identity theft affidavit & a police report. Cemenity Bank, the card issuer, is refusing to remove the negative information from my credit report thereby violating the fair credit reporting act.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-21 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: Self Financial Inc.
State: VA

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 : also states a consumer reporting agency can not furnish a account without my written consent.

15 U.S.C 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
The Gurstel Law Firm, a debt collector with offices in Arizona, has attempted to collect a debt that it knew or, should have known was the result of identity theft. Gurstel Law has used the court system to intimidate me and my family into paying a debt for which we're not responsible. The firm has acted extra-judicially in attempting to collect a debt from those who are not responsible for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 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: IA

Complaint narrative:
I called the credit reporting agencies and let them know that the account in the document included below are not supposed to be reporting a late payment. I never gave them written consent to report them. 

According to U.S. Code 1028A- Aggravated identity theft Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 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: IA

Complaint narrative:
I called the credit reporting agencies and let them know that account in the document included below are not to be visible on my consumer report. I never gave them permission to report them. 

Accordint to the law 18 U.S. Code 1028A - Aggravated identity theft whoever, during and in relation to any felony violation enumerated in section ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided by felony, be sentenced to a term of imprisonment of 2 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21 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: IA

Complaint narrative:
I called the credit reporting agencies and let them know that account in the document included below are not to be visible on my consumer report. I never gave them permission to report them. 

Accordint to the law 18 U.S. Code 1028A - Aggravated identity theft whoever, during and in relation to any felony violation enumerated in section ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided by felony, be sentenced to a term of imprisonment of 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
The amount of {$550.00} was refunded to me on XX/XX/2022 in the form of a credit from Chime, but there was money sent from my credit builder account and my savings account into my primary checking account to be sent to an unauthorized person. I was scammed and robbed while I was out of town in XXXX XXXX, Nevada from XX/XX/2022 to XX/XX/2022. I was contacted by the number ( XXXX ) XXXX on XX/XX/2022, my mothers birthday, by an alleged Chime customer service representative with all my account information, as well as, all of my recent transactions. The alleged representative was inquiring if I had used my card in XXXX, Florida, and was informing me of fraud while stating all my transactions back to me. I reached out to Chime, and they told me they would not be able to give me my money back that was transferred to my checking account from my credit builder and saving account. The amount that was transferred from my credit builder was {$160.00}. The amount that was transferred from my savings account in XXXX separate transactions of {$260.00} and {$27.00} in the full amount of {$280.00}. The total amount for all unauthorized transactions from my account was {$450.00}. I reached out to Chime as soon as the incident occurred, and I reached out to Consumer Financial Protection Bureau to report the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I have asked you to validate the alleged debt that you claim that I owe, and all you have provided me with this time is XXXX statement that dont have my full legal name and an address that I never live at. To this Alleged account that you can not prove is mine. I know this account is not mine because you showing me my XXXX XXXX address we have the same name. 

Furthermore, I request verification of the alleged debt, specifically, a copy of a contract or Original Purchase agreement. Said contract or Original Purchase agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect this alleged debt and money that I do not owe. Please include all the terms and conditions that are in this said Contract or Original Purchase agreement. 

XXXX non fit XXXX is XXXX for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine. 

You MIDLAND CREDIT XXXX knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUED TO TAKE ON XXXX non fit XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Accounts that are in negative standing that are currently listed on my credit report, 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 2023-05-21 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Accounts that are in negative standing that are currently listed on my credit report, 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 2023-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: AZ

Complaint narrative:
The XXXX XXXX XXXX, a debt collector with offices in Arizona, has attempted to collect a debt that it knew or, should have known was the result of identity theft. XXXX XXXX has used the court system to intimidate me and my family into paying a debt for which we're not responsible. The firm has acted extra-judicially in attempting to collect a debt from those who are not responsible for the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
On XX/XX/2022 my home in Arkansas had water damage from a burst pipe. The Insurance was contacted and the adjustors were out and made payment to the tune of {$150000.00}. 
As I had mortgage with US bank it was also listed as one of the payee.

I opened up an account with US bank loss claims department and they released some funds to me initially and were supposed to release the rest of the funds when their inspectors were done with the inspection of the house. When I tried to schedule the inspection of the house US bank kept of asking me for more and more paper work even though I had submitted all of it and they were asking me paper work from the XXXX XXXX  insurance company on which I had no control. I was exasperated and told them that if only I had the money I would pay off the loan and get them out of the picture, They at that point decided without my written or verbal permission to use the funds in my Escrow amount to pay off my Mortgage!!. These funds are supposed to paid to the contractors for the work they are doing. Now my mortgage is paid off without my permission using my insurance claim money which I am supposed to pay the contractors. I need to pay the contractors now {$38000.00} from my pocket which I do not have and US bank used this money given by XXXX XXXX to pay off my mortgage without my permission!

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 monetary relief
Consumer complaint received 2023-05-21 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: NC

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX ( XXXX ) late payments on an account that I was never late for. 

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 account : XXXX XXXX XXXX XXXXXXXX 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 on time as they should be as I was NEVER Late. 

Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21 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: NC

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX ( XXXX ) late payments on an account that I was never late for. 

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 account : XXXXXXXX XXXX XXXXXXXX XXXX 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 on time as they should be as I was NEVER Late. 

Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 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: MI

Complaint narrative:
Transunion keep disregarding the law. I showed them multiple times of how they are violating the Fair Credit Reporting Act. Over the past year, I've sent letters to Transunion, XXXX and XXXX repeatedly and they show complete disregard for the law. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. The credit bureaus show no respect for the laws. They need to be held accountable. Additionally, according to 15 USC 6802c, I was never given clear explanation of how I can exercise nondisclosure option. I told told the bureaus this and they have not removed ALL of the accounts requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21 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: PA

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

Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  XXXX has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief