vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
The person stated that the name is XXXX for Portfolio Recovery. However, the phone number does not bring about a name on my CallerID ; therefore, this number can easily be spoofed. XXXX claimed the the phone number and name of company was legit and wanted me to verify information without proof of who they were.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Albert Corporation
State: MI

Complaint narrative:
I referred my friend, XXXX XXXX - I referred her and she completed the requirements for the promotional bonus to earn {$100.00} after doing the following - 1. receive a direct deposit of {$200.00} or more in 30 days and 2. spend at least {$100.00} on goods or services with their albert debit card. I have proof she used my referral link and completed the requirements. I was not credited for her referral and I am asking for the referral reward in the amount of {$100.00} be deposited into my Albert account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I was contacted by Venmo on XX/XX/21 that my acct had been " restricted '' or frozen for a security issue. I was told to send via link a pic of my DL and another of me holding my DL. This was sent twice before they acknowledged getting it. 
IN between that date and now, i have rec 'd many emails from Venmo support that various attempts at a password change and access from a " new device '' had been attempted. 
On XX/XX/21 i was told acct was frozen again. Again, i sent in pics verifying me so my acct could be unfrozen. On XX/XX/21, my acct was unfrozen per Venmo but before I could cancel the acct, an unauthorized charge was done w/ my acct on XX/XX/21 to a strange email AND i got mult emails saying my email to my acct ID had been changes as well as my phone number! 
I called to report that I didn't do any of this, but bc I could no longer verify my acct bc a hacker had changed my info, they wouldn't do anything. Venmo 's answer to this hack scam was to send my " helpful articles '' for my issue, which didn't even relate. 
So here I am, almost over 1 mth since this acct insecurity started, and still NO RESOLUTION. 
I want to close my acct immed, but venmo won't let me bc my verifying info doesn't match bc they allowed a HACKER to change it! 
They only contact you via email, you can not speak to anyone that can do anything and it's a constant email tag. Meanwhile, i feel violated and XXXX by this company. They have verified my acct via pics i have sent, but won't close my acct and I can not do it myself bc my login was hacked. My acct is exposed and Venmo will not do anything. I have sent many emails and done my part but they are refusing to close my acct, wanting me to do through App, but again I told them I can't even log in to my acct bc it was changed by hacker. 
Their " security '' is NON SECURITY. The crooks have access to our accts illegally, but the actual owners after verifying are blocked! 
I JUST WANT MY ACCT CANCELLED AND CLOSED BEFORE ANY MORE SENSITIVE INFO GETS IN THE WRONG HANDS. THEY WILL NOT HELP ME! I DON'T KNOW WHAT TO DO! PLEASE HELP ME PROTECT MY INFO AS VENMO CARES LESS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
regions XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX I have never given this company written consent or permission to access my consumer profile. i would lke them to remove immediatly requested my consumer report without my written consent/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 explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequoia Financial Services
State: CA

Complaint narrative:
SEQUOIA FINANCIAL SVCS Original creditor : XXXX XXXX XXXX AMOUNT OWED {$3400.00} THIS ACCOUNT DOES NOT BELONG TO ME AND I DO NOT KNOW WHAT ADDRESS IS ASSOCIATED WITH THIS ACCOUNT FURTHERMORE I HAVE REACHED OUT TO THE ORIGINAL CREDITOR AND COLLECTIONS AGENCY TO VALIDATE THE DEBT WITH DOCUMENTATION TO SUPPORT THERE CLAIMS OR TO SEND OUT A FRAUD AFFIDATED AND HAVE YET TO RECEIVE ANYTHING IN WRITING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: KY

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXXXXXX 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 2021-12-30 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: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and no third party is involved in the process. I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Nelnet XXXX XXXX XXXX XXXX, NE XXXX To Whom It May Concern : I recently received a copy of my ( XXXX ) credit report, and I noticed some late payments posted on my credit report : DEPT OF ED/NELNET account # XXXX XXXXXXXX, # XXXX  XXXX, # XXXX XXXXXXXX, XXXX XXXX XXXX  XXXX Nelnet is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
XXXX XXXX AMOUNT OWED IS {$720.00} COLLECTIONS ACCOUNT DOES NOT BELONG TO ME, AND I DO NOT KNOW WHAT ADDRESS IS ASSOCIATED WITH THIS ACCOUNT FURTHERMORE, I HAVE REACHED OUT TO THE ORIGINAL CREDITOR AND COLLECTIONS AGENCY TO VALIDATE THE DEBT WITH DOCUMENTATION TO SUPPORT THEIR CLAIMS OR TO SEND OUT A FRAUD AFFIDAVIT AND HAVE YET TO RECEIVE ANYTHING IN WRITING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: CA

Complaint narrative:
TTN Fraud Department : Remove fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I DID NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. BLOCK AND REMOVE THEM XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, 2021 ( TRANSUNION ) XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, 2021 ( TRANSUNION ) XXXX XXXX XXXX XXXXXXXX XXXX, 2021 ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, 2021 ( XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, 2021 ( XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, 2021 ( XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX, 2021 ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, 2021 ( XXXX ) XXXX. XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, 2021 ( 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 2021-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
CLAIM XXXX In XXXX, I ( XXXX XXXX ) purchase a new roof from XXXX XXXX. They warrantied the roof for 20 years and exited the roofing business in XXXX. The roof had been leaking since their contractor completed the work. Every few months, XXXX XXXX had to send a subcontractor to fix a leak or skylight. 
In XX/XX/XXXX, I reported a new leak which was assessed by XXXX XXXX subcontractor . Then I discovered a new leak in a closet and a bathroom. These were later assessed and XXXX agreed to pay only {$2200.00}. They had me find my own contractor to twist his arms to accept the cost. I paid the contractor the money XXXX agreed to pay. Now they want me to sign a release saying that I agree to hold them harmless for anything that may be wrong with the roof in the future. I have filed a complained with XXXX XXXX, had many conversations with XXXX and talked with a Supervisor named XXXX, but with no success. They want me to sign this release : I, XXXX XXXX, in consideration of the sum of XXXX XXXX XXXX XXXX XXXX dollars and XXXX cents ( XXXX ), the receipt and sufficiency which is hereby acknowledged, paid to me in satisfaction of all claims that I may have against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX their successors, assigns, subsidiaries, affiliates, shareholders, officers, directors, employees, representatives, subcontractors, attorneys, agents, sureties, bonding companies, and any insurance companies providing liability coverage to any of the parties released hereby ( hereinafter the " Releases '' ), do hereby remise, release, and forever discharge the releasees of and from all claims, demands, actions, causes, of action, obligations, injuries, losses, cost of expenses... 
These are just the beginning of this one-sided release/contract. I do not feel confident in signing this release and made it known to XXXX XXXX XXXX XXXX, which referred me back to the very contractorXXXX I complained about. I spoke with XXXX XXXX Supervisor who said that they can not do anything as XXXX XXXX legal has to look at it. They told me XXXX XXXX would contact me on a specific date ( XX/XX/XXXX ) and I received no such call. I called XXXX XXXX XXXX back on XX/XX/XXXX and they were referring me back to Subcontractor XXXX. 
I am requesting that you please look into how this company is using its power to limit the rights it originally provide to this customer.

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 2021-12-30 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: KY

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-30 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: KY

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-30 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: VA

Complaint narrative:
Today, XX/XX/2021 XXXX XXXX XXXX  illegally changed the locks on my property, One of the inspectors sent notes and photos to my mortgage service company, Community Loan Services on XX/XX/XXXX or XXXX, 2021 indicating that my home, which I currently reside in, was vacant. The notes stated a empty trash can and leaves in the yard as a reason. After ONE attempt to view my property. No attempts were made to verify this as fact. Thankfully my dog was here prompting the XXXX XXXX XXXX working to call Animal Control stating that a dog was left in my home that was going through foreclosure. This is a lie. No foreclosure proceedings have been initiated for my home. I verified this today XX/XX/2021 with the mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc.
State: TX

Complaint narrative:
I suspect that my identity may possibly have been stolen and that a possible crime has been committed by your corporation. Please see attached documents and Identity Theft Report. I have requested validation and no documentation has been provided. My right to privacy has been invaded because of this unauthorized use and permissible purpose has been violated due to sharing of these alleged accounts.I have attached FTC Report, Affidavit of Truth to The Bureaus INC and Attorney General of Texas complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

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