vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: WI

Complaint narrative:
On or about XX/XX/2023, I received a call asking for " XXXX '' I told the caller that I have had this number for 15 years and I do not know anyone named XXXX. 

On XX/XX/2023 at XXXX XXXX I received another call. It was the same number asking for XXXX XXXX ( or something that sounded similar ). I asked if it was the same person who called me before and they said we will keep calling until XXXX contacts us. 

I again told the caller ( named XXXX, who said he was a specialist at the XXXX XXXX office of Nissan Motor Acceptance, but would not give his name or employee number for " his privacy. Apparently my privacy doesn't matter ) that I don't know anyone by that name and that I asked them two days ago not to call me again. 

I said I thought that this was a TCPA violation and he said that since I am not a customer ( so he admits that I have nothing to do with Nissan ) that he can call me if he wants and the TCPA doesn't apply. 

I asked for a supervisor. He said that he would get one. After 10 minutes XXXX told me that he would take my name off their list but again demanded that I give him contact info for XXXX. I sat on hold for 21 minutes until I got that supervisor, whose name was XXXX. She did apologize, but I want to make this complaint, because the original rep seems to think that they can bully people and threaten to call their phones repeatedly for debts they do not owe. 

The number they called me from was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Bridge IT, Inc.
State: GA

Complaint narrative:
I received an XXXX and XXXX XXXX  through Bridget. After my bank account was closed I had an advance due and my XXXX XXXX payments. I emailed their customer service over and over and over trying to get them to help me link a different account to pay what was owed. They refused to help and offered no solutions. Only emailing me numerous times about the situation. I responded each time and they still would not assist me. They have reported late payments on my Credit and damaged my credit after I reached out about taking an alternate account many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: MORGAN STANLEY & CO. LLC
State: MA

Complaint narrative:
I am a longtime customer of Etrade/Morgan Stanley Private Bank Account XXXX >20years ). I received a letter today ( XX/XX/2023 ) stating that without reason, they are closing my account. My account currently has {$2500.00}. I am given thirty days to act, or Morgan Stanley Private Bank will take action on my behalf. I do not wish to close my account and believe this action is discriminatory. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was trying to inquire on a credit card debt. Agents in general departments acted normally and routed my call to the XXXX Department. I called CitiBank at XXXX XX/XX/23. 

I recorded the phone call as she became rude. 

This agent became hostile when I indicated I had difficulty hearing her, though I was patient and calm. Her hostility continued, and she had difficulty looking up my accounts with the bank. She denied to provide me any information regarding one of my card debts, she cut me off during speaking, and she threatened to disconnect the call. 

I asked her to disclose her name, but she refused ( I believe this is a requirement in the banking industry ). 

She then became silent for 30 seconds, then spoke to me again saying goodbye and transferred my call to a Spanish-speaking automated system. ( It seems like she was not allowed to disconnect the call, had tried to convince me to hang up, and then abused a call transfer system. Most concerning is that she would not self-identify after her unprovoked rudeness. )

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 2023-04-14 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: TX

Complaint narrative:
XX/XX/2023 - I called TransUnuon, XXXX, and XXXX to have old address that were undeliverable removed and theyre still on there.

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 2023-04-14 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: PA

Complaint narrative:
I submitted dispute for a credit card account on my report, that is showing " closed included in bankruptcy '', but I have my court documents showing that this account was never filed in my bankruptcy case in XX/XX/XXXX. 

I sent dispute to XXXX on XX/XX/XXXX and it was investigated and updated to my credit file on XX/XX/XXXX with the exact same information no changes. 

They said it was verified as accurate but I know for a fact it was not listed on any of court documents as part of a bankruptcy. I would like them to correct this information or delete it.

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 2023-04-14 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: PA

Complaint narrative:
I submitted dispute for a credit card account on my report, that is showing " closed included in bankruptcy '', but I have my court documents showing that this account was never filed in my bankruptcy case in XX/XX/XXXX. 

I sent dispute to XXXX on XX/XX/XXXX and it was investigated and updated to my credit file on XX/XX/XXXX with the exact same information no changes. 

They said it was verified as accurate but I know for a fact it was not listed on any of court documents as part of a bankruptcy. I would like them to correct this information or delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: ND

Complaint narrative:
Per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. i have include a copy of my social security my driver license and bank statement for verification. f you are unable to verify the account with the original contract, with my signature the information should be removed from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: MI

Complaint narrative:
XXXX XXXX is still reporting repossessions past the 7 year statute of limitations.

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 2023-04-14 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The info about the XXXX XXXX XXXX that supposedly went into default in XXXX is incorrect. The date of first delinquency of that loan is XXXX, There was no payments made for over a year prior to the next enrollment in school. This is going to be a court battle if you do not accurately reflect this account with the first delinquency being the actual first delinquency. Your records are wrong. This loan should have been removed long ago but at the latest by XX/XX/XXXX. Your payment history and delinquency dates are incorrect. I am asking you for the final time before I take legal action to report this loan accurately. I have the numerous investigations done by Transunion which show that this was to be removed XX/XX/XXXX when I asked Transunion when they would remove it since the date was approaching, they resubmitted a request for information to you, where you provided information that was inaccurate ; pushing the removal date from XXXX to XXXX which is incorrect based on 1st delinquency - The previous investigation and records you provided to transunion was that this loan would be removed by XXXX All other reporting agencies have taken care of this 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 non-monetary relief
Consumer complaint received 2023-04-14 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: GA

Complaint narrative:
I recently received a copy of my credit report and found many violations that you are illegally reporting inaccurately about me. The following alleged accounts listed as collections with PAST DUE balances. Please review the following : Account Name - XXXX XXXX Account # XXXX Showing past due balance of {$7400.00} as of XX/XX/2023 Account Name XXXX XXXXXXXX Account # XXXX Showing past due balance of {$1900.00} as of XX/XX/2023 Account Name XXXX XXXX  Account # XXXX Showing past due balance of {$1100.00} as of XX/XX/2023 Account Name XXXX XXXX  Account XXXX XXXX Showing past due balance of {$27000.00} as of XX/XX/2023 These accounts that are reported is a violation of the FCRA and is also in violation of requisite Metro 2 Compliance reporting standards.

In accordance with the Fair Credit Reporting Act. 15 U.S.C. 1681 Section 602 A. States I have right to privacy.

15 U.S.C. 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an 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 2023-04-14 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: TX

Complaint narrative:
In accordance with the fair Credit Reporting act. The List ot accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX. XXXX XXXX : # XXXX, XXXX XXXXXXXXXXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXXXXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX : # XXXX, has violated my rights. 
1

5 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 vears.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: TX

Complaint narrative:
Around XX/XX/2021 Debt collection agency placed an account in collections from originally creditor XXXX  since then I have requested that this debt be validated providing me a contract that this is my debt I keep receiving a billing statement with a balance from receivable management as a debt validation ( this is not a form of validation ) aside from this collection agency keeps updating the balance every few weeks from XXXX XXXX to XXXX $ owed on the account which is illegal please delete this from my credit report as this collection is being reported illegally I have attached screen shots of the credit reporting where balances are being changed. I

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 2023-04-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
On XXXX XXXX, my agency sent Navient a check in the amount of {$8000.00}. When I checked my Navient account the payment due was XXXX. However, every month the balance was increasing and not decreasing. I reached out to a customer service person and she advised me not to make any payments because Navient was taking out the monthly payment from the payment that my agency sent them. I was even making additional payments in the amount of {$130.00} bi-weekly. I was told if I make the payment, then Navient wouldn't pay the monthly payment. The lump sum amount will sit there. I still wasn't understanding the just of what was going on. I called again and spoke with another customer agent, she told me to continue to make payments on the remaining balance to pay the balance off quicker. And now, the interest has increased from 10 % to 11 % after I paid them {$500.00}. This private loan is over 15 years old. I need your HELP!! I believe Navient is trying to prolong this loan for their benefit. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: PR

Complaint narrative:
Today I started a dispute in Experian online dispute process ( Report XXXX XXXX ). They reported erroneous information in my credit report. According to the FAIR CREDIT ACCT It is supposed to take no less than 30 days to investigate my dispute. To my surprise, according to them on the same day XXXX XXXX they investigated my dispute and did not fix the erroneous information that they reported on my credit report. How can they do an investigation in just a few hours. They violated the Fair credit act by not following due process. Account dispute XXXX XXXX XXXX XXXX Account XXXX. I never paid late!!

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 2023-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
This XXXX XXXX XXXX  want to see me in court for an unpaid debt from 7 years ago XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I am on XXXX barely getting by

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14 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: TX

Complaint narrative:
XXXX is reporting and validating inaccurate information pertaining to the account XXXX XXXX XXXX - XXXX. XXXX furnished payment history for the account and reported to XXXX that my account was last paid XX/XX/2022. However the balance history reporting on XXXX does not reflect a XXXX payment being made. This is evidence of inaccurate information. Consequently the account needs to be deleted immediately. Furthermore the account was charged off in XX/XX/2022 however the account was reported inaccurately by XXXX from XX/XX/2022- XX/XX/2022 as past due. According to my credit report, the past due amount on my account is XXXX but the status reported on the account says " Account charged off. {$560.00} written off. {$290.00} past due as of XX/XX/2022. '' which is inaccurate reporting, and the account status is listed as " past due. '' However, the account was charged off on XX/XX/2022 and the balance was subsequently written off by the creditor. As you are aware, charged-off accounts are not considered to be past due and should not be reported as such. The inaccurate reporting of my account has had a negative impact on my credit score and has prevented me from obtaining credit at favorable terms. XXXX stated that the account remains along with this explanation " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details ''. There is bonafide  evidence that the account has been reported inaccurately and that said evidence can be found within the account information on XXXX. XXXX 's lack to adhere to the Fair Credit Reporting Act and hold XXXX accountable for the inaccurate information has caused a significant impact on my credit score and financial well being. 

The Fair Credit Reporting Act ( FCRA ) regulates credit reporting in the United States, and it specifically prohibits the reporting of inaccurate or incomplete information to credit reporting agencies. If a person knowingly or willfully provides false information to a credit bureau, they can be subject to fines, legal action, and even criminal charges. Additionally, the person who is harmed by the false information may have the right to sue for damages. It is important to ensure that any information reported to credit bureaus is accurate and truthful, as it can have a significant impact on a person 's credit score and financial well-being.

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 2023-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The account is reporting negative information on my credit report. The account is reporting voluntary surrender which is incorrect information. Nobody at XXXX XXXX can seem to help or get back in touch with me to correct this issue.. This is the worst financial lender I ever dealt with.

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 2023-04-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The account is reporting negative information on my credit report. The account is reporting voluntary surrender which is incorrect information. Nobody at XXXX XXXX can seem to help or get back in touch with me to correct this issue.. This is the worst financial lender I ever dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The account is reporting negative information on my credit report. The account is reporting voluntary surrender which is incorrect information. Nobody at XXXX XXXX can seem to help or get back in touch with me to correct this issue.. This is the worst financial lender I ever dealt with.

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 2023-04-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX an ACH for {$25000.00} was sent from XXXX to our international account number ending in ... XXXX at Citibank XXXX This number changed on XX/XX/XXXX to account ending in ... XXXX when Citibank migrated the account from a Private banking account to a domestic account. The ACH was deposited in the old account number that nowadays belongs to someone else despite the fact that rest of the beneficiary information did not match ( name & address ) skipping the minimum steps for verification. To date, the money has not been returned to the sender at XXXX and no solution has been proposed by Citibank arguing that the current owner of our old account number dishonestly has denied to return the funds and the only response we get is that it is being handled by Citi XXXXs Executive Response Unit after two and half months have lapsed ; XX/XX/XXXX to date. 
We have exhausted all the efforts available through the limited Citibank communication channels, clearing minor roadblocks and finally getting some attention, but to date this issue remains unsolved. The money should be sent back to the originating 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