vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
XX/XX/2021, THIS DEBT APPEARED ON MY CREDIT REPORT FROM A PLACE I RENTED IN XXXX 2021, I HAD PAID FIRST MONTH RENT AND DEPOSIT AND WAS EVICTED A FEW WEEKS LATER, I RECIEVED A LETTER STATING AS LONG AS I MOVED OUT BY DATE GIVEN AND RETURNED APARTMENT KEYS, I WOULD NOT BE CHARGED, ALMOST A YEAR LATER I RECEIVED A COLLECTION ON MY CREDIT REPORT STATING I OWED XXXX XXXX AND I HAVE NUMEROUS OF TIMES DISPUTED THIS I OWE THEM NOTHING AT ALL

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I reached out to XXXX and Transunion today XX/XX/XXXX via phone call. XXXX had me on hold and transferred me XXXX  times and hung up in my face. I have told them to remove false information and account information from my credit report. The send a automatic generic response and ignore any violation to myself and the law. I called them today and the representative I spoke with was of no help and refused to handle my request as I stated. I will be taking this to the highest level possible and charging for every violation if this complaint does not render the solution I desire. First I would like to point out that I at no time under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer have I given permission to any company to report or speak for me on behalf of my credit. Without me giving permission it means the credit reporting agencies have taken it upon themselves to act as me and speak for me and falsely report in my name. I want all invalid accounts and incorrect account information to be corrected immediately.

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 2022-02-10 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: TX

Complaint narrative:
I reached out to Experian and XXXX today XX/XX/XXXX via phone call. XXXX had me on hold and transferred me 6 times and hung up in my face. I have told them to remove false information and account information from my credit report. The send a automatic generic response and ignore any violation to myself and the law. I called them today and the representative I spoke with was of no help and refused to handle my request as I stated. I will be taking this to the highest level possible and charging for every violation if this complaint does not render the solution I desire. First I would like to point out that I at no time under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer have I given permission to any company to report or speak for me on behalf of my credit. Without me giving permission it means the credit reporting agencies have taken it upon themselves to act as me and speak for me and falsely report in my name. I want all invalid accounts and incorrect account information to be corrected immediately.

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 2022-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I filed the XXXX claim after my car was totaled. Ally says they needed XXXX docs to complete the claim. I have emailed to the XXXX or XXXX  times and they say its still not correct. They are pretty simple docs and the say they can't see the complete pay history that I sent. It's all in a pdf and if you got one you got them all because they all in one doc and very easy to read. I have spoken with them XXXX times abiout it. getting nowhere. I sense this a standard business practice for them

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 2022-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
IXXXX XXXX XXXX XXXX XXXX XXXX XXXX Unfortunately, I got XXXX XXXX, and it was pretty bad. Trying to settle pay debt. It's just not as fast as the company wants.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
{$56.00} to XXXX they have Transworld systems doing debt collection on this. 

XXXX stopped picking up our trash and we tried multiple time to see what the issue was. We found out they were going to stop services in our area. We did not get any service prior to the date given and could not get any response from XXXX. We had to get a new provider for our trash and came home one day and they actually came out and took the cart. 
The XXXX weeks prior to them ending service they never picked up or responded to and calls or XXXX mails. 

We should NOT owe anything as they did not pick up the last month of service as they stated they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: FL

Complaint narrative:
On XX/XX/XXXX I evaluated my Experian Credit Report and noticed several inaccuraries related to reporting information. Specifically, XXXX XXXX is reporting several late payments that are not accurate. Below is a copy of transactions. 

XXXX XXXX XXXX XXXX Closed 51 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XXXX XXXX, XXXX Credit Limit - {$1300.00} Payment Info Status Paid, was a charge-off Status date XXXX XXXX Past due amount - Highest balance - Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX View less XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CO CO CO CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO CO CO CO CO CO CO CO CO CO CO CO XXXX CO CO CO CO CO CO CO CO CO CO CO CO XXXX CO CO CO CO CO CO CO CO CO CO CO CO XXXX XXXX XXXX XXXX XXXX XXXX CO CO CO CO CO CO XXXX - - - - - - - - - - - On Time CO Charge off 120+ Days Late 30 Days Late 60 Days Late 90 Days Late - Data Unavailable

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 2022-02-10 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: U.S. BANCORP
State: CA

Complaint narrative:
I have open a checking account at US Bank branch of XXXX and also a credit card with online banking but unfortunately I have been a victim of scams after that US Bank closed my checking account and I am unable to access at my online account even for my credit card so I am trying to fix this issue with US Bank. They didn't accept my request. Now I need to have acces to my credit card transactions but I can't, I must make a call each time and I loose a lot of time to follow transactions and payments. I would like to reopen my online banking with my credit card.How may I do and proceed.thank you.

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 2022-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: AK

Complaint narrative:
I had a prepaid card that had {$150.00} remaining on it, but it expired. When I called the company they said the balance goes away once the card reaches its expiration date. Pretty sure this is illegal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX Info : We found that an adjustment to your credit reporting is not required based on our research of your account. 
Account Number : XXXX ) XXXX ( XXXX Dear XXXX, Thank you for your recent credit reporting inquiry. After careful review of your account we have determined that the student loan ( XXXX ) referenced in your request requires no adjustment because : The Nelnet trade line will remain on your credit report for XXXX years from the date the loan was paid in full. 
Under the Fair Credit Reporting Act ( XXXX ), data providers are not required to investigate certain disputes received directly from consumers. For your future reference, examples of those instances include : A request that is submitted or prepared by a credit-repair organization on behalf of the consumer, including submission of a credit dispute on a form supplied to the consumer by a credit repair organization The consumer has not provided sufficient information to investigate A credit dispute that is substantially the same as a dispute previously submitted by the consumer and investigated by us Questions ? We're here for you. Visit Nelnet.com or call us at XXXX from XXXX a.m. to XXXX p.m. ( XXXX ) Monday Friday. 
Sincerely, Your Nelnet Customer Service Team fb.comThelnet @ Nelnet XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX It has recently come to my attention through researching and study that NELNET is still in Violation of the XXXX XXXXXXXX XXXX XXXXXXXX. In addition XXXX XXXX XXXX XXXX ( XXXX ) Assignment A borrower whose loan has been XXXX pursuant to this subsection shall be deemed to have assigned to the United States the right to a loan refund up to the amount XXXX against the institution and its affiliates and principals. 

( XXXX ) Reporting The Secretary shall report to consumer reporting agencies with respect to loans which have been XXXX pursuant to this subsection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2022-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: FL

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FORD MOTOR CREDIT CO.
State: GA

Complaint narrative:
XXXX and XXXX XXXX. started a garnishment on XXXX XXXX XXXX for Ford Motor Company on XXXX XXXX through the XXXX XXXX Magistrate Court . XXXX XXXX was served with a garnishment at his place of work which caused integrity problems with XXXX 's employer. This could have been avoided if the attorney would have chosen to use the due process of Georgia State laws on collections. This case XXXX was first brought to the attention of the Georgia State Court in XXXX XXXX XXXX XXXX. XXXX XXXX has recently purchased a house from the U.S, XXXX, and also purchased a car that was financed through XXXX XXXX with no attention brought to this alleged debt. It is XXXX 's belief that this debt was sold and then recently enacted due to the lax in due process rules because of Covid-19. The XXXX XXXX Magistrate court denied sending the garnishment themselves and told XXXX XXXX that the process of collections was only filed through their system electrically and is done on the pretense of the collection agencies and attorneys will use state by state protocol in lu of Covid. This alleged debt is over 15 years old and does not meet proper collection protocol in the state of Georgia, which is 6 years. There was no due process of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/XXXX and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable. I, XXXX XXXX, Living Person, And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as XXXX. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues I will be forced to start LITIGATION. This complaint should not be closed at any time for authorization needed. As this submitted complaint with attached documents will be my written authorization

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 2022-02-10 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: MI

Complaint narrative:
Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/XXXX and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable. I, XXXX XXXX, Living Person, And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as XXXX. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues I will be forced to start LITIGATION. This complaint should not be closed at any time for authorization needed. As this submitted complaint with attached documents will be my written authorization

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 2022-02-10 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: FC HoldCo LLC
State: FL

Complaint narrative:
When I filed for bankruptcy, my lawyer included my car loan in the bankruptcy against my directions. The loan was paid in full. I have the title and the letter from the bank that states these facts. I have filed a dispute with XXXX and they still have not changed the info on my credit report. This is very, very unfair. I paid the loan off either on time or maybe 1 month late. I am not sure. Please Help!

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 2022-02-10 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I reviewed my credit report on XXXX XXXX XXXX. I noticed a hard inquiry from CITIBANK NA., BEST BUY. I did not authorized this hard inquiry. Below is a copy of transaction. 

CITIBANK NA., BEST BUY All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SD XXXX By Mail Only Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email

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