vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Collection Management Holdings, LLC
State: ID

Complaint narrative:
XXXX XXXX XXXX XXXX reported a new collection on my credit report opened XX/XX/XXXX by Collection Management at XXXX, address : XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX for a debt of {$730.00} that showed past due as of XX/XX/XXXX from the original creditor : XXXX XXXX XXXX XXXX, XXXX, LA XXXX due to this report Experian lowered my FICA score XXXX points. I disputed the report to XXXX and they said it would remain on my report until XX/XX/XXXX. I then reported it to their Fraud section where they took my report and suggestion I submit a report to your agency. I called the XXXX number listed above for Collection Management and they said they have no record of me. I tried to contact XXXX XXXX XXXX XXXX and can find no phone number on them. I XXXX  both companies and found numerous complaints on both for fraud, some of which where the same complaints I have. I have never received a bill or call about this debt and haven't been anywhere within a XXXX miles of Louisiana in XXXX  years. I am XXXX XXXX XXXX and a XXXX  year veteran of the XXXX. I believe this is a scam by either Collection Management or XXXX who have been trying to get me to pay {$29.00} a month to upgrade my monitoring membership to XXXX XXXX for about XXXX  years now. I am very careful to protect my good name and pay all my bills in a timely manner. These false reports keep me awake at night trying to figure out what is going on. Any assistance you can give me will be greartly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MRS BPO, LLC
State: DC

Complaint narrative:
Date Submitted XXXX XX/XX/2024 Disputed with Company MRS BPO XX/XX/2024 sent via Web portal I haven't received information from company to validate debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX XXXX, I received a one-time passcode text message from my bank, Citibank, which I did not request, and suspected fraudulent activity. So I called Citibank using phone number on the back of my Citibank card to report suspicious activity and review recent transactions. I received an email notice that my Citi Online password was changed ( XXXX XXXX  ), ATM/pin updated ( XXXX XXXX  ), new payee added ( XXXX XXXX  ), my phone de-enrolled form XXXX XXXX ( XXXX XXXX  ), wire transfer of {$1800.00} sent from savings account to XXXX XXXX at XXXX XXXX  account number XXXX ( XXXX XXXX  ), and wire transfer of {$1700.00} sent from checking account to XXXX XXXX at XXXX XXXX  account number XXXX ( XXXX XXXX  ). As soon as I saw these email notifications, I called Citibank again to report fraud transfers. I was then instructed to file affidavit and filed claims for fraud wire transfers. I completed the affidavit and sent them at Citibank branch. I called back multiple times afterwards to check back in on my claim. The claim was denied with a reason that I gave out the security code. I explained that I did not give out ANY information. I filed for an appeal, called back after XXXX  business days, did not receive any updates. I called back today, and still have not heard any updates.

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 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have never told Transunion to add fraud alert yet alone XXXX fraud alerts they needs to be remove immediately. My number is not XXXX XXXX XXXX my number is XXXX XXXX XXXX which is on my transunion profile

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 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to dispute an item on my credit report that I believe is outdated and should no longer report on my credit report. It appears to be reporting information that is no longer relevant to my current financial situation.

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 2024-03-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Validation by Creditor To Verify Trade Line on Credit Report Accounts To Whom It May Concern : I sent certified mail about my original contact, for validation for NCA my acct # XXXX I need original agreement.NCA have not respond, toward my letter no emotional response.

I am formally requesting that you validate all trade line notations you have submitted to the XXXX major I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. I must also demand certified/notarized copies of the original documentation and any contracts or documents that I may have signed. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this trade line during any and all claimed time periods.

Please know that you have XXXX  days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative trade line notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties will provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutes. This notice shall also serve as a limited cease and
desist order, and a demand that all future communication be in writing, via postal mail.

Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees.

I look forward to a timely and amicable resolution to this matter. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: NY

Complaint narrative:
XXXX, XXXX, and XXXX have furnished my information to NELNET ( Department of Education ), which violates my rights as the consumer. 
The Department of Education/NELNET has violated there right as per the Family Educational Rights and Privacy act ( FERPA ) : is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. Nelnet , Inc., is a United Statesbased conglomerate that primary focused on financial services including student and consumer loan origination and servicing. That being said, I did not give written, unwritten, verbal, non verbal permission for XXXX, XXXX, and XXXX to Department of Education/NELNET to furnish my information. I am having it revoked immediately.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' 20 USC 1232g ( b ) - Family educational and privacy rights " ( II ) the officials and authorities to whom such information is disclosed certify in writing to the educational agency or institution that the information will not be disclosed to any other party except as provided under State law without the prior written consent of the parent of the student. '' Violation of my right 15 U.S. Code 1681- Congressional findings and statement of purpose " The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

" ( 4 ) 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. '' 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' - I am opting out of your reporting services

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Un

authorized Personal Information Disclosure : The disclosure of my personal information to credit reporting bureaus without my explicit consent violates the FCRA, the Privacy Act of 1974, CFR Title 16, Part 313, and the UCC 's consent mandates. Discharged Debts Still in Collections : The continued collection efforts on discharged debts represent a breach of the FDCPA, UCC Section 9-607, underscoring the need for accuracy in debt collection practices. Misrepresentation by Debt Collectors :
Misrepresentation regarding debt collector identity and debt nature directly violates the FDCPA, UCC Section 1-202, requiring transparent and accurate debt collection practices.

Lack of Clear Opt-Out Notice : Failure to receive a clear opt-out notice for the use of my personal information breaches the FCRA, CFR Title 16, Part 313, and the UCC 's consumer information protection requirements.

Failure to appropriately credit my account with dividend payments made off treasury coupon nor certificates of indebtedness due following a charge-off, which constitutes an error under the Electronic Fund Transfer Act ( EFTA ) , 15 U.S.C. 1693-1693r, and its implementing Regulation E, 12 CFR Part 1005. This notice is to inform you that the anticipated adjustment through certificates of indebtedness has not been processed correctly, adversely affecting my account balance and my rights under the EFTA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Unauthorized Personal Information Disclosure : The disclosure of my personal information to credit reporting bureaus without my explicit consent violates the FCRA, the Privacy Act of 1974, CFR Title 16, Part 313, and the UCC 's consent mandates.

Discharged Debts Still in Collections : The continued collection efforts on discharged debts represent a breach of the FDCPA, UCC Section 9-607, underscoring the need for accuracy in debt collection practices.

Misrepresentation by Debt Collectors : Misrepresentation regarding debt collector identity and debt nature directly violates the FDCPA, UCC Section 1-202, requiring transparent and accurate debt collection practices.

Lack of Clear Opt-Out Notice : Failure to receive a clear opt-out notice for the use of my personal information breaches the FCRA, CFR Title 16, Part 313, and the UCC 's consumer information protection requirements.

Failure to appropriately credit my account with dividend payments made off treasury coupon nor certificates of indebtedness due following a charge-off, which constitutes an error under the Electronic Fund Transfer Act ( EFTA ) , 15 U.S.C. 1693-1693r, and its implementing Regulation E, 12 CFR Part 1005. This notice is to inform you that the anticipated adjustment through certificates of indebtedness has not been processed correctly, adversely affecting my account balance and my rights under the EFTA.

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 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I've reached out multiple times to Portfolio Recovery Associates as well as XXXX XXXX XXXX XXXX. to attempt for them to resolve this without involving the CFPB or a regulatory agency and they've not responded by phone, email or mail. 

A garnishment was filed and granted on XX/XX/XXXX for the full debt balance owed on the debt for an old XXXX card that charged off. On XX/XX/XXXX, the balance of {$2400.00} was garnished and fully paid off to XXXX XXXX XXXX XXXX. on behalf of Portfolio Recovery Associates. My HR department advised that on XX/XX/XXXX, a follow up hearing in XXXX XXXX occurred with the recovery firm, XXXX XXXX XXXX XXXX. that was supposed to close this case out and essentially update the reporting. Per the 'Last Updated ' field on the tradeline with all XXXX CRAs it shows I still owe the outstanding balance and that it's still late, both of which are false and untrue statements. This is in direct violation of the Fair Credit Reporting Act Adherence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to follow up on my previous correspondence regarding the inaccurate items that appear on my credit report. As I stated before, I am deeply concerned about the presence of unrecognizable information on my report, and I know it is essential to reiterate the gravity of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
I am writing to follow up on my previous correspondence regarding the inaccurate items that appear on my credit report. As I stated before, I am deeply concerned about the presence of unrecognizable information on my report, and I know it is essential to reiterate the gravity of this matter.

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 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am writing in response to your recent communication regarding the alleged debt associated with the above- reference account. I am requesting validation of this debt as permitted under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws.

I dispute the validity of this best and request that you provide the following information : 1. Verification of the original creditors name and address 2. Documentation demonstrating that I am contractually obligated to pay this debt 3. Copies of any statements or invoice related to the debt 4. The original account number and the date this account was opened 5. The complete history of this account, including all transactions and charges Please note that until you have provided the requested documentation, I do not acknowledge any liability for this alleged debt.

Furthermore, I request that you cease all collection efforts until this matter is resolved and the debt is verified. Any further communication from your agency regarding this debt should be in writing and sent to the address provided above.

Please consider this letter as a formal dispute of the debt under the FDCPA. I expect a prompt response within 30 days from the date of your receipt of this letter.

Collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ) Collection agency is violating your consumer rights by using false misleading, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

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 2024-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

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.

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 2024-03-27 00:00:00
Product: Credit reporting 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:
I reviewed my credit report and noticed these fraudulent accounts were reported by these third-party companies without my authorization. I have never done any business with these companies nor have I the consumer given these companies written or verbal consent to share my nonpublic personal information with non-affiliate data-furnishing companies. these companies are not only violating 15 U.S. Code 6802 and The Family Privacy Protection Act of 1974, but it is also preventing me from obtaining credit for my personal and household needs.

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 2024-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
Problem XXXX : On XX/XX/23 I requested Moehla change my due date via phone to the XXXX of the month. We can not submit this request online. I have called every month, over an hour wait time and every month they say they have to put in a new request all over again. No changes! 
Problem XXXX : am enrolled in auto bill pay. I have been trying every month to get it to be take automatically but it does not do it and Moehla says they cant help and every month I have to do it manually despite having every number correct for auto bill bay. 
Problem XXXX : customer service is terrible, I get transferred multiple times, wont ever hear back from supervisors and they reps will hang up or transfer to automated machines for call backs. XXXX worker acted like she couldnt hear me! 
Problem XXXX : my job paid XXXXXXXX XXXX of my debt in XXXX and Moehla cashed it but wont add it to my account!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation