vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-28 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: MI

Complaint narrative:
In Accordance with the Fair Credit Report Act XXXX Account stating : ( XXXX XXXX ), has violated my rights. 

In Accordance with the Fair Credit Report Act XXXX  Account stating : XXXX XXXX XXXX XXXX XXXX -LATE PAYMENT ) XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: MI

Complaint narrative:
In Accordance with the Fair Credit Report Act XXXX  Account stating : ( XXXX XXXX ), has violated my rights. 

In Accordance with the Fair Credit Report Act XXXX  Account stating : XXXX XXXX XXXX XXXX XXXX -LATE PAYMENT ) XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
Resurgent Capital Debt have sent unauthorized text messages to a number I do not own or have access to. Cease and Desist contacting this number and send any correspondence of any alleged debt to mailing address. The owner of the phone wants all communication to cease and desist on there number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: OR

Complaint narrative:
Experian refuses to do a proper investigation, and or remove this erroneously reporting account from my consumer report. These errors are costing me money with higher than justifiable interest rates, and outright rejection for certain business opportunities. I have disputed with Experian on or about : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX including asking for their " method of verification, '' and specifically who they communicated with at original creditor so that I can personally follow up. They just gave the usual, generic response that everything is " verified '' although it is clear from a precursory glance that this has reporting errors. Furthermore, I have also sent them credit reports from the other Bureaus, XXXX, and XXXX, that shows that this same account is reported differently and also erroneously, to the point were it has been removed already on XXXX, and still under review by others. This account needs to be removed.

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 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: OH

Complaint narrative:
As of XX/XX/XXXX DEPT OF ED/NELNET XXXX XXXX XXXX XXXX XXXX XXXX NE XXXX Still is reporting 12 open accounts, all 12 are reporting inaccurate various LATE/ MISSED Payments from XXXX & XXXX inconsistent dates on all three credit bureaus, that is a total of 72 payments reflecting.

I have attempted multiple times to reach out directly and have these payments updated to accurately represent my credit worthiness with no changes even after consolidating my federal loans. 

I am asking for help to have my credit report fairly represent me as a consumer, to promptly remove these inaccuracies. These student loans are listed multiple times on my credit report. This single debt shows up as several accounts, it is significantly impacting my debt-to-income ( DTI ) ratio and affecting my ability to qualify for other forms of credit, including a home loan to provide my children a new permeant and stabile home life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX of XXXX  i sent in dispute letters to XXXX, equifax and XXXX. After learning more about my rights as a consumer, i obtained a copy of credit report the month prior to disputing. I noticed multiple inaccurasies which i detailed in my dispute letter, not one response was made from my dispute letter.

Each of these accounts violated, 15 usc 1681 e b- accuracy of a report, whenever a furnisher reports any information on behalf of a consumer ( me ) it shall follow maximum possible accuracy. Because these accounts have multiple inaccurasies, i demanded them to be removed because they were in violation. To add another reason why these accounts need to be removed from my credit report is each account violating 15 usc 1681 b under permissible purposes i never any of these accounts any written consent to report anything to my consumer reports and because i didnt consent that means fraud to me. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DeptedXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX of XXXX  i sent in dispute letters to XXXX, XXXX and experian. After learning more about my rights as a consumer, i obtained a copy of credit report the month prior to disputing. I noticed multiple inaccurasies which i detailed in my dispute letter, not one response was made from my dispute letter.

Each of these accounts violated, 15 usc 1681 e b- accuracy of a report, whenever a furnisher reports any information on behalf of a consumer ( me ) it shall follow maximum possible accuracy. Because these accounts have multiple inaccurasies, i demanded them to be removed because they were in violation. To add another reason why these accounts need to be removed from my credit report is each account violating 15 usc 1681 b under permissible purposes i never any of these accounts any written consent to report anything to my consumer reports and because i didnt consent that means fraud to me. 

XXXX XXXX XXXXXXXX XXXX XXXX-Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DeptedXXXX

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 2022-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
XXXX XXXX AT XXXX XXXX XXXX, XXXX, SC XXXX Has been sending me collection notices in the amount of XXXX. 
The collection has been reported as " open '' and with a " past due '' balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I reached out to XXXX XXXX, Texas PNC branch, and spoke with the Manager on XX/XX/2022, regarding a charge for a Safety Deposit Box. I came into that location, closed the Safety Deposit box, and returned the key in XXXX or XXXX or so before that. The Manager told me that the account was closed, but they needed to take one additional step to finalize the process. This did not happen. She also said she would call me back ; this did not happen. I called on XX/XX/2022, with no successful outcome. I called again today on XX/XX/2022 and no one could help me. The assistant branch XXXX is on vacation. The Branch Manager left early for that day. 

I closed every account at the branch and moved my money out of the bank because no one at the branch could help on any given day. Getting change for {$20.00} through the drive-through took more than 15 minutes. I received a bill during the month of XX/XX/2022 for {$50.00}. I received another bill for {$60.00} on today, XX/XX/2022 for the safety deposit box that I closed several months ago. 

I spoke with someone on XX/XX/2022, named XXXX XXXX in Alabama, and they told me to give you a couple of days to investigate my concern, and they would get back to me. This did not happen. 

Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I demand that the following accounts filed be deleted all collection efforts cease and any information about this account files sent to credit agencies bureaus be removed immediately! 

XXXX XXXX ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} BACKRUPTCY XXXX XXXX  BANKRUPTCY REFERRENCE # XXXX XXXX AMOUNT : {$0.00} INQUIRIES NOT AUTHORIZED XXXX : XXXX DATE ; XX/XX/XXXX XXXX  DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE:XXXX XXXX DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX INQUIERIES NOT AUTHORIZED XXXX ; XXXX XXXX DATE : XX/XX/XXXX XXXX  XXXX DATEXXXX XXXX XXXX DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXXXXXX XXXX  DATE ; XX/XX/XXXX XXXX DATE ; XX/XX/XXXX XXXX XXXXXXXX XXXX DATE ; XX/XX/XXXX INQUIRIES NOT AUTHORIZED XXXX : XXXX DATE : XX/XX/XXXX CAPITAL ONE AUTO FIN DATE : XX/XX/XXXX XXXX XXXX  DATE ; XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX CAPITAL ONE AUTO FIN DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXXXXXX XXXX  DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE ; XX/XX/XXXX XXXX XXXX XXXX DATE ; XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX  DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX  DATE : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To whom it may concern, I am writing to delete the following information in my file : XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates. 

I need your help to have this item removed from my credit report as soon as possible, please. 

Thank you, 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 2022-06-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Venmo froze my account without any explanation other than what they are claiming is " apparent fraud '' on the account. This occurred after I accumulated a {$3000.00} balance in the account from rent reimbursement from an associate. Once I attempted to transfer the {$3000.00} to my XXXX XXXX bank account ( Which has been linked to my Venmo account for years ) the account was frozen. I no longer have access to these funds and have attempted to resolve this by calling Venmo. 

After eight business days of my account being frozen, and after multiple attempts to resolve this issue directly with Venmo via phone calls and emails, I have no choice but to report this to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
Im out on my own now my life doesnt always involve an extra XXXX $ to just throw around. I have bills and I pay on this joke of a bill when I can XXXX XXXX should be FREE! I last paid on XX/XX/XXXX and im being sent to collections and its only the XXXX of XXXX? I pay rent/utilities, insurance and other necessary bills. When I can pay on this I do but the continous harrasment is extremely frustrating. For a XXXX XXXX XXXX its ridiculous how ive been contacted every 3 days or so. I pay when I can afford to end of discussion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: TX

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, 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:
Navy Federal Credit Union attempts to collect on amounts already paid while failing to update the tradeline or add that the debt was disputed previously. The bill with a due date of XX/XX/2022, was paid on XX/XX/2022, via certified mail return receipt requested Ref # XXXX XXXX XXXX XXXX XXXX for the full amount. XXXX has published that the tradeline was updated XX/XX/2022 in which the amount of debt is alleged to be {$2000.00}, while Navy Federal Credit Union reports an alleged amount of {$1000.00}. Both amounts being incorrect as the bill is paid as the post marked return receipt. Navy Federal Credit Union is in violation of 18 U.S. Code 894- Collection of extensions of credit by extortionate means. XXXX is in violation of FCRA Section 611 Part ( A ) ( 1 ), by failing to respond to disputes or preventing disputes from occurring on their website and using deceptive means. I have a right to accuracy within my report and it must not be taken away by messages saying that I already disputed that account. Every time the account is updated without the statement or changing the amount is a violation of my rights and by law I am entitled to {$1000.00}. Navy Federal Credit Union has failed to identify the debt as disputed before I paid in violation of FCRA Section 623 and I am entitled to {$1000.00}. A demand for both of those amounts for the corresponding violation is made at this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: Early Warning Services, LLC
State: NJ

Complaint narrative:
Earlywarnings services is in violation of 15 USC 1681 by reporting a XXXX  XXXX XXXX account that is notsupported by any evidence. I have submit a letter requesting method of verification to them pursuant to 15 USC1681i ( 7 ). I specifically asked that they verify this account by producing the orginal promisary note with a wet signature, but they have not been able to do so.I also requested that they provide me with details on who conducted the investigation and how did they conduct it, unfortunately my efforts have been fruitless. I spoke to an agent of earlywarnings services by the name of XXXX via phone on XX/XX/2022 at XXXX PM. XXXX notified me that despite XXXX  XXXX XXXX reporting innaccurate information, early warning will still continue to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: DISCOVER BANK
State: AZ

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation