vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-12 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: IN

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. If you can not verify and provide me with the data proving these accounts were mine. Remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX sent information to all three credit companies for the consolidation of the student loan. XXXX and Transunion stated they did not received this information. Student accounts are still showing as separate loans. For XXXX the credit score dropped XXXX pints on XX/XX/XXXX. No information on my credit have changed. The student loans are current and on time. A XXXX account and a XXXX XXXX account have been removed from Transunion and the score went up XXXX point for each account removal due to fraud. XXXX also stated that they do not received the student loan update information in XXXX. I will be moving forward with submitting documents to move forward with a law suit on all theee bureaus due to Harassment misuse of the credit reporting or XXXX handling of the credit reporting I have been lied to several times by all three bureaus. They have withheld information stating they did not received information from companies that would be positive reports. I am suing for discrimination harassment stress and defamation of character and loss of financial gain.

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 2023-12-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Alorica Inc.
State: SC

Complaint narrative:
I want to pay off my loan in XXXX large installments. However on XX/XX/2023, my original lender XXXX by XXXX XXXX informed me that servicing of my loan was being to transferred to Systems & Services Technologies , Inc ( SST ) on XX/XX/2023. ( Email attached ) According to XXXX, SST was to email me information about service transfer which would include the account number and ways to access/manage my account online. 

As of today, XX/XX/XXXX, SST has not reached out to me with a Welcome notice -- not by email, phone, or mail. I still do not know my account number or how to pay online. I have tried to contact them by telephone in order to prompt them to provide this information, however, they have a large telephone queue backlog during most parts of the day. As of XX/XX/2023 at XXXX XXXX XXXXhere was in a queue of XXXX customers with a wait time estimate of XXXX minutes. Clearly, it is very challenging to get this information which I am entitled to and should have been made aware of before XX/XX/XXXX. 

As I stated, I have budgeted to payoff this loan in XXXX installments ( roughly {$2500.00} each ) but I am on hold until SST does their part. The servicing transfer process has not gone as expected and I hope the CFPB can help with the Welcome notice so I can move forward with ending this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
I wish to file a complaint against Credit Collection Services for their non-response to a dispute letter regarding an incorrect entry on my credit report. Despite settling the account with XXXX XXXX XXXX XXXX, the negative entry persists. 

I sent a dispute letter on XX/XX/2023 ( XXXX XXXX # XXXX, received XX/XX/2023 ), requesting specific documents under the Fair Credit Reporting Act and Nevada 's Uniform Commercial Code. Their failure to respond within the XXXX legal timeframe violates the FCRA. 

I request CFPB intervention to ensure removal of this unverified entry from my credit report, in line with my right to fair and accurate credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: KY

Complaint narrative:
I filed a complaint with you guys... complaint # XXXX and Barclays got you guys to complete and close the case by submitting a response to you and than mailed me a different response... it was a letter stating they were closing the dispute and it was addressed to me, about a dispute from XX/XX/22 for a company I have never done business with- '' XXXX XXXX XXXX and an amount that was XXXX and my dispute is for XXXX XXXX. When you call Barclays about all this ... .yet again... XXXX.you cant hardly understand the people and its just one big repeating themselves of the same that they say each time... ..please reopen case or stat a new one for this dispute. I have attached the letter that has nothing to do w/me or my statements ... .ever w/Barclays. This letter is also a complete different response they said to you, to get you to close the case... .per your advice, I have also filed a complaint XXXX FDIC this morning

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 2023-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
PUBLIC RECORD # XXXX XXXX NOT MINE, DELETE FROM MY CREDIT This letter is a formal complaint that you are reporting inaccurate credit information on my credit report. The above referenced accounts is not mine the public record shows other name address and social security. The incorrect listings are lowering my credit score unnecessarily, and it is also preventing me from purchasing a home.

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 2023-12-12 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: GA

Complaint narrative:
I hope this letter finds you well. I am writing to express my concern regarding the reporting of transactions or experiences between myself and XXXX XXXX on my consumer report, which is a clear violation of the Fair Credit Reporting Act ( 15 USC 1681a ). Which clearly states that you can not report late payments to a third party data furnishing company that you do not own ( other than agents of the institution ). The Fair Credit Reporting Act ( 15 U.S. Code 6803 ) also states that you can not disclosure any non public information about me without my knowledge or expressed consent. 
According to Congress, XXXX XXXX may also be in violation of 15 U.S. Code 2068, which clearly states that my consumer report can not be distributed in commerce if the manufacture knew or should have known of such voluntary corrective action. In addition the Fair Credit Reporting Act ( 15 U.S. Code 2069 ) states that aforementioned violation of 15 U.S. Code 2068 requires monetary relief not to exceed {>= $1,000,000}. 

I have identified the following issues : Late payments ( transactions or experiences ) being furnish on my consumer report. I believe these matters warrant resolution before resorting to arbitration.

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 2023-12-12 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: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
Per the Fair Credit Reporting Act as a federally protected consumer, I am opting out, rescinding of any and all authorization. I the consumer may have given you ; written and unwritten, verbal and non-verbal per Gramm-Leach-Bliley Act of 1999 and 15 U.S. Code 6802.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Credit and Collections Inc.
State: NJ

Complaint narrative:
While checking my XXXX credit report, I noticed a collections account for {$5700.00} placed on my report by United Credit and Collections , Inc. This debt collector has NEVER contacted me about this debt. Had I not checked my credit report I would not even be aware of it. It was a debt that was allegedly incurred over 7 years ago, which is not only past Missouri 's five-year statute of limitations for collecting a debt, but also has never been validated, despite my written request for a validation letter to confirm the debt 's ownership, detailed breakdown and validity. It is negatively impacting my credit score and yet can not even be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Per the Fair Credit Reporting Act as a federally protected consumer, I am opting out, rescinding of any and all authorization. I the consumer may have given you ; written and unwritten, verbal and non-verbal per Gramm-Leach-Bliley Act of 1999 and 15 U.S. Code 6802.

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 2023-12-12 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: MO

Complaint narrative:
Per the Fair Credit Reporting Act as a federally protected consumer, I am opting out, rescinding of any and all authorization. I the consumer may have given you ; written and unwritten, verbal and non-verbal per Gramm-Leach-Bliley Act of 1999 and 15 U.S. Code 6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: MO

Complaint narrative:
Per the Fair Credit Reporting Act as a federally protected consumer, I am opting out, rescinding of any and all authorization. I the consumer may have given you ; written and unwritten, verbal and non-verbal per Gramm-Leach-Bliley Act of 1999 and 15 U.S. Code 6802.

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 2023-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In XXXX toward the end of the month, I invested about {$3000.00} in a crypto coin trading platform. I found it on XXXX and, although there was a picture of XXXX XXXX on the ad, I don't think he had anything to do with it. His photo was just used to encourage unknowing people like me. A person with one name, XXXX, handled my account. ( XXXX XXXX ) I would trade daily up to three or four times a day using information from supposedly from a XXXX XXXX. The advice seemed to be accurate and I seemed to make money on most trades. ( Only information on XXXX XXXX XXXX XXXX XXXX XXXX is XXXX. ) XXXX encouraged me to invest more because I could see others were earning multiples of money I earned. Like a total fool I listened and kept increasing my amounts. She kept saying how it would benefit my family for generations. When I said I didn't have any more to invest, she told me to withdraw money from my stock brokerage accounts. Here is a list of money I did eventually send : XX/XX/XXXX. {$10000.00} XX/XX/XXXX. {$10000.00} XX/XX/XXXX. {$60000.00} XXXX. {$40000.00} XX/XX/XXXX. {$10000.00} XXXX. {$100000.00}. To join a " XXXX XXXX '' for greater profits and less commission These were all send by Chase XXXX XXXX XXXX XXXXXXXX XXXX and then to XXXX XX/XX/XXXX. {$3000.00} XX/XX/XXXX. {$40000.00} XXXX. {$10000.00} XX/XX/XXXX. {$60000.00} These amounts were send from Chase to Chase in Arizona and then to XXXX The last part sent was adding up to {$100000.00} was to get {>= $1,000,000} transferred from my XXXX wallet to my XXXX account so I could pay the rest of the commission on the funds in my XXXX account ( approximately {>= $1,000,000} in my Wallet there. 

XXXX led me through the withdrawal process. I copied step by step, and told screen shots of each step send to XXXX so she was sure it was handled correctly. She assured me the money ( {$960000.00} after fees from XXXX ) would be in my XXXX account. It never showed up. When I told her that, she told me it was hacked but I could get it back by the company 's technical department.. But I would have to pay a 10 % fee first. I refused. During the next group chat I pointed out that I could not get any of my money and others in the group said similar things. With that she closed the chat permanently. 

Although I refer to her as XXXX, I have not idea about the gender of the person who did this. I do think it is foreign since XXXX referred to different currencies than Dollars. 

I have to say that the XXXX crypto companies I dealt with are part of the problem. The money was transferred from Chase then to XXXX. From XXXX I was told to transfer the funds to XXXX XXXX. they in turn transferred to my XXXX wallet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
A card was opened in my name and the person proceeded to spend {$800.00} on it, maxing it out. The {$800.00} was spent in the form of ( XXXX ) {$200.00} gift cards. I called Kohls and they proceeded to cancel the card and claim it as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I've observed several deviations from mandatory reporting standards, casting doubt on the accuracy and completeness of the data in my report. Consequently, I refute your allegations and challenge you to substantiate your right to report this incomplete negative information on my credit report. 

In accordance with XXXX XXXX XXXX, " Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Furthermore, XXXX XXXX XXXX XXXX ( Regulation XXXX ) mandates furnishers to : Furnish information about accounts or other relationships with a consumer that maintains integrity. 
Furnish accurate information about accounts or other relationships with a consumer. 
XXXX reasonable investigations of consumer disputes. 
As stipulated in the XXXX, to make a lawful report, adherence to XXXX XXXX compliance standards is essential. Any deviation from these standards jeopardizes the integrity of the data, impacting the accuracy of federally regulated reports. 

Hence, I am exercising my rights to challenge these inaccurate and non-compliant items. Failure to address my demand would indicate a disregard for my consumer rights. It is unjust for you to report information that lacks confirmation of ethicality and fails to meet certified reporting standards. Once again, I challenge these claims and request proof of adherence to proper reporting standards. 

Your actions constitute a violation of my rights, as outlined in this document. The incomplete nature of your reporting does not align with legal standards. You must certify all aspects of required XXXX XXXX XXXX truthfully, correctly, in a timely manner, and completely. Failure to do so XXXX compel me to escalate these issues to the CFPB, FTC, and my Attorney General.

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 2023-12-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I applied to SAVE program well over XXXX weeks ago. I was approved in XX/XX/2023, In the meantime my interests are accruing dramatically and I am going to be financially responsible due to them being understaffed and unable to handle the volume of student loan applications. The wait times for phone calls are XXXX hours and their customer service line is completely useless and have no clue how to handle or trouble shoot any issues. I qualified for the XXXX program and they changed me to forbearance which severely impacts me down the line. I would like to be placed on XXXX immediately so I can repay my loans without my balance increasing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
This Credit Card XXXX name XXXX XXXX XXXX continue to harass consumer by doing illegal events and tactics to disrupt other credit bureau agencies. I have made my points very clear before and have asked for XXXX XXXX XXXX XXXX XXXX Department over the months. They have not produced or provided me with such legal counsel office direct contact information. 

They are still doing illegal events and tactics with XXXX Credit Bureau and TransUnion in placing such negative information on my credit profile to cause issues in nature to my credit profile. 

XXXX XXXX XXXX and XXXX have had enough time to gather their evidence and send such to me through this forum or panel. 

Therefore with this complaint resubmitted and on the official and legal record both should be able to send me the written contract signed by me as well as any proof saying that something is wrong with my address, etc. 

I have disputed this once before with XXXX, XXXX XXXX XXXX, and XXXX for all three are in this together and all three should be able to produce such communication from the Internal Revenue Service and myself giving them authorization and my consent to be tampering with my credit profile. 

In response to this, I want their legal counsel information so that this legal matter can be taken to court to address these issues for this has gone too far. 

All three should be held liable for all attorney fees and court fees. 

I want a copy of all three credit bureau reports to be sent to me through this forum or panels as well and you to have my consent to produce and provide such to the Consumer Financial Protection Bureau before going into court regarding this legal matter of credit issues and character. 

XXXX has been paid and this account or issue is not in delinquency. 

I have too much proof and records to validate and support this complaint. It is all on the Consumer Financial Protection Bureau 's XXXX. 

They are in clear violation of the Federal Debt Collection Act under section See XXXX XXXX Code Chapter XXXX, should I say more here... 

CEASE AND DESIST and get off my personal information and off my credit profile for, I don't owe anyone anything. You owe me MY PROPER RECORDS under the exact PROPER RECORDS, I am demanding here. 

A credit card company is not entitled to get any of my income tax records or anything that I have not consented to. Show where I have consented to you to obtain any such official and legal records. You should have all the Department of Veteran Affairs records that I signed off on for you to get for your official and legal records. Where are they?

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