vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-25 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: NY

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 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: NY

Complaint narrative:
other reports show XXXX balance, closed... ..Experian update pending for months, please correct immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MN

Complaint narrative:
I have been looking at my credit accounts and reached out to every company claiming that I owed for something. There were 3 companies. 

XX/XX/ I wrote and mailed a dispute letter to each company which includes : Nissan Motor Acceptance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Today is XX/XX/ and it has been 37 days without any response from any of the companies above. 

I have digital copies of my letters. I am simply requesting assistance to remove these accounts from my credit profile. 

One of the derogatory remarks on my account doesn't even have a balance, it literally says {$0.00} but is still hurting my credit. 
Please and thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I borrowed {$65.00} from my nephew and he sent the funds to my Venmo account. So I logged into Venmo and tried to transfer the funds to my debit card and I was alerted my account was frozen. So I contacted them on XX/XX/XXXX via Email, Phone and chat via the app and gotten no response, So then I messaged Venmo Support on XXXX and still no response. So I contacted a live agent again XX/XX/XXXX and they informed me I would receive a email on how to unlock my account and I still have not received it. This is not the first time I had issues with this company, Back in XXXX of XXXX I ran into this same problem however I was able to resolve it that day. Also keep in mind during each email and chat session I provided my state issued driver license. Venmo is a Paypal company which I have had an active paypal account for over 10 years. 

I just want my money released, so I can close this account and move on with my life. 
I borrowed this money for my medical condition and I have to suffer and wait to fill my prescription because this company is playing games.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Hello, A collections account has been inaccurately reporting to my credit report from midland credit management since XX/XX/2021 & the balance has recently been updated the updated amount of {$2600.00}. I believe this has been negatively updated due to the CFPB breach. This is in violation of code 1680i. I kindly request the removal of this collections account from my credit report as it is adversely affecting my financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: OR

Complaint narrative:
Im writing to ask for your help with US Bank dispute # XXXX to reclaim monies erroneously charged to my checking account by XXXX early XX/XX/2023 in the amount of {$490.00}. 

I filed the dispute on XX/XX/2023. US Bank requested documentation, which I provided. 

On XX/XX/2023, I received a letter from US Bank stating they were reversing the funds and closing the dispute based on insufficient information received, i.e., copies of emails and chat logs between XXXX and myself, copies of the original order with XXXX, tracking number, etc. 

I have, since XX/XX/2023, spoken with several people at US Bank. At your request, I will provide names and dates of each call. 

On XX/XX/2023, I spoke with XXXX at US Bank and was told that my case would be reopened, the funds returned to my account, and the evidence further examined. 

When I called a week later to follow up I was told XXXX should not have said she would reverse the funds because XXXX is not a case processor and that a case processor would be in touch. Please request from US Bank the recording of this call which I was told they keep on file. 

On XX/XX/2023, XXXX XXXX case processor ) left me a message outlining the information she needed to reopen the case. When I returned her call I was told that I could relay the information to the operator and that they would input it into my file. I am told this every time and every time I provide the requested info which they in turn input into the US Bank computer system. However, each time I am told that I can not be put through to a case processor and will need to wait 24-48 hours for a call back that either never comes or that I miss because I dont use a cell phone. 

This exact scenario has occurred several times ( I can provide documented names and dates at your request ), each time Im told I must wait another 24-48 hours for a call back. 

On XX/XX/2023, I spoke with XXXX at XXXX and specifically asked that the case processor ( in their voice mail to me ) leave their direct line ( which I was told by XXXX they have ) so that we can make contact. XXXX said the CP would call back within 24-48 hours and would leave this information in a voice mail. I am still waiting for this call. 

Im asking for your help in getting this case reopened, properly examined and funds ( {$490.00} ) put back in to my account. 

Please let me know if I can provide your office with any additional information or documentation. 

Thank you in advance for any assistance you may provide. 

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX OR 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 monetary relief
Consumer complaint received 2023-06-25 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: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I mailed letters to this company informing them that I was writing to request deletion of certain student loans from my credit report as provided for under federal law, specifically 15USC 1681b ( a ) ( c ). I believe that the inclusion of these student loans on my credit report is in violation of the law, and I kindly request your assistance in rectifying this matter. As you are aware, 15USC 1681b ( a ) ( c ) mandates that consumer reporting agencies, such as yours, must ensure the accuracy and fairness of the information they include in credit reports. According to my understanding of the law, certain student loans should be exempt from reporting after a certain period of time, provided they meet the necessary criteria outlined in the statute. After conducting a thorough review of my credit report, I identified the student loans that I believe should no longer be included and NOTHING WAS DONE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Remove any old or duplicate addresses from my report they are all non mailable address Remove any old or duplicate phone numbers. 
Remove any variations of your name that are incorrect.

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 2023-06-25 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, TX XXXX To whom this may concern, I am writing to request the removal of unauthorized credit inquiry On my ( XXXX XXXX } credit report. I recently retrieved my credit report and it showed a company pulled my credit without my permission and I am not happy because it is affecting my credit in a negative. The inquiry details are : XXXX XXXXXXXX XXXX ( Important Dates : Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Adidtional details ( Business Type : Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( 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 2023-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
I had fraud on my navy federal checking account. The fraud wasb carried out thru XXXX. which is what i thought a safe and widely used way to send receive money which exposes. Your account numbers. The fraudsters used these numbers given by me thru plaid to steal like XXXX from my account. As soon as i noticed i contacred navy federal and was able to stop some of the transfers. I did everything possible to prevent and stop any further damage to account. Navy federal refunded me my money then a month later on payday nfcu took all of my pay check without any warning to me. Nfcu some how denied my fdic insuramce on my money. Which was not my fault. Very dirty customer service. I closed my account. I believe navy federal owes me my fdic insured money back to me.. further actions will be taken if i dont reveive my money they stole from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: AL

Complaint narrative:
Account info Account name PROFESSIONAL DEBt Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. 
Status updated XX/XX/XXXX Balance {$7100.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$7100.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX. This company is attempting to collect unauthorized charges. This is fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: NJ

Complaint narrative:
I recently Checked my credit report and seen an inaccuracy and in accordance with the fair credit, reporting act, XXXX XXXX XXXX # XXXX has violated my rights and with accordance to15 USC 1681 Section 602 States I have the right to privacy. Also 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. Section 15 USC 1666B states A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for and 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 2023-06-25 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: OH

Complaint narrative:
Credit reporting company is refusing to remove fraudulent accounts from my report, and are still furnishing them without my consent which constitutes identity theft which is being committed by the furnisher and credit reporting agency. Experian is in direct violation of federal laws and should be criminally charged for their violations. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2023-06-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: AL

Complaint narrative:
Account info Account name IQ DATA INTERNATIONA Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$5.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$5200.00} Balance updated XX/XX/XXXX Recent payment $ XXXX  Monthly payment {$0.00} Original balance {$4300.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Company is fraudulently reporting on my credit. I never signed signed any documents stating I give consent to this 1 month payment. The amount is not authorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Company is engaging in fraudulent activity by trying to collect debt not owed to them, fraudulently opened account and then reported it as a charge off. Have not given consent to this company to furnish anything on my report which is in direct violation of federal laws. No consent is identity theft. Company can not collect monies for a debt that has allegedly already been paid/charged off. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: NY

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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
Consumer complaint received 2023-06-25 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. The list of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 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 explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I bought laptop from XXXX XXXX charged my credit card {$1200.00} for purchase then XXXX put another hold on credit with same amount overdraft my card over limit. I called Bank of America who issued my visa credit card and they told me its processing and we can not make claim on it. I contacted XXXX they said its going to clear once item shipped which never happened although purchase received. I filed fraud complaint against XXXX. And now I m filling against Bank of America who should have recognised the double charge and fix it but they want to charge me fees so they overdrafted my credit card

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 2023-06-25 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: CA

Complaint narrative:
XXXX and XXXX are the same institution. 

Due to a recent transfer of government loans providers ( early XX/XX/ ), my student loans are duplicated by all 3 credit agencies ( Equifax, XXXX and XXXX ). Current balance totalling {$100000.00} instead of {$50000.00}. 

XXXX sent me an official letter stating the issue they encountered with their system which I already provided to them. 

I have been contacting all 3 credit agencies online and by mail to correct the duplicated balance without having a successful outcome. 

This is affecting my ability to buy a house due the debt is showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX  XXXX To whom this may concern, I am writing to request the removal of unauthorized credit inquires on my ( Equifax ) credit report. I recently retrieved my credit report and it showed ( 5 ) credit inquiries that I have no knowledge of ever authorizing.

I am writing to dispute the following inquiries and asking for their removal from my credit report. 

XXXXXXXX XXXX XXXX  XXXX XXXX Inquiry Date : XXXX XXXX Removal Date : XX/XX/XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Removal date : XX/XX/XXXX ) -XXXX  ( Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX ) -XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX Removel Date XX/XX/XXXX ) -XXXX ( Inquiry Date : XXXX XXXX Removal Date : XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: NJ

Complaint narrative:
Bankruptcy has been reported on my Experian credit report I have never filed and it only shows up on Experian report. I have disputed multiple times. Representatives have told me they do not know why it is on there and it will be removed but never does please remove : Acct : XXXX XXXXXXXX XXXX XXXX  XXXX I have asked for paper work for proof of account but they will not respond. I have contacted the court corresponding to the account and there is no record

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