vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: AZ

Complaint narrative:
Company sold account into collections. I applied for internet services. I was denied service based on an alleged debt. XXXX XXXX XXXX has sold the account to a collections agency and is now asking me to pay XXXX for the account sold. Also sold my personal information without consent to collection agency and is now denying services, based on the sold account. Under the fcra there are suspected violations I ask you to investigate. Also, there is personal information, sold without my consent expressed in written form, and is attempting to double dip.

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 2023-12-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Hello my name is XXXX XXXX I am very disappointed and frustrated with the service of the ally bank customer service. I opened a new money market account with XXXX check deposit that I received from my grandmother and opened a checking account as well so I can use that as a everyday operations account but when I called to get my XXXX account unrestricted my account was locked and under investigation. I wanted to transfer funds in order to order a new debit card for my accounts. I spoke to a fraud detection specialist about taking the restriction off my XXXX account so I could fund my checking account from an external bank account in order to get a debit card mailed to me at which point the specialist asked me numerous questions regarding my check deposit that has already been verified from the sending bank and deposited into my account. This check is legitimate and has already cleared from my grandmothers account and into my account. Please I need access to these funds as I am unemployed at the moment and this was emergency funds.

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 2023-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to express my deep disappointment and frustration with the ongoing dispute regarding a collection account that is inaccurately listed on my credit report. Despite my repeated efforts and communication with your company this erroneous entry continues to affect my credit score adversely. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) 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 2023-12-27 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I attended a event in XX/XX/XXXX XXXX and my purse was stolen that include my children and my personal information. Police on the premises were notified and a report was made. I obtained a copy of my credit profile a seen a series of accounts that I have no affiliation with or knowledge of. Furnishing these accounts and information to my profile without my permission or written consent is in violation of FCRA 15 USC 1681, & further violates FCRA by furnishing information due to identity theft. I've contacted the CRAs ( Experian, XXXX, and XXXX ) in attempt to resolve this matter and I've had no luck. This information reporting on my profile is preventing me from gaining any lines of credit. 
I've never opened or applied for these accounts : XXXX ( ACCT # XXXX ) XXXX XXXX  ( ACCT # XXXX ) XXXX XXXX ( ACCT # XXXX ) XXXX XXXX XXXX ( ACCT # XXXX ) XXXX XXXX ( ACCT # XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: VA

Complaint narrative:
The nelnet company is a completely incompetent company the customer service representatives do not ever answer the phone calls their emails are backlogged the website is down so i can not make a payment tried calling but wait times are greater than 30 minutes and I waited for 2 hours never spoke to anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections If you've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your credit score. 

XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX {$460.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX  - {$1400.00} Needs Attention

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections If you've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your credit score. 

XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$460.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$1400.00} Needs Attention

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 2023-12-27 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: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 2023-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: MO

Complaint narrative:
Discovery of the Issue : On XX/XX/, I was alarmed to discover an unexpected derogatory mark on my credit report, reported by Vance and Huffman LLC. The report showed an open balance of {$2300.00}, with XXXX XXXX listed as the original creditor. 

Nature of the Disputed Debt : This debt is entirely unfamiliar to me. I have no knowledge or records of any transactions or agreements with XXXX XXXX or Vance and Huffman LLC. I am confident this debt does not belong to me. 

Immediate Impact on Credit Score : The appearance of this erroneous debt has significantly damaged my credit score. This has been a source of considerable distress, as I have always been meticulous about maintaining good credit. 

Actions Taken by Me : After noticing this error, I immediately reviewed all my financial records and found no evidence supporting this claim. As of now, I have not contacted Vance and Huffman LLC, as I did not want to acknowledge a debt that is not mine, but plan to do so to seek clarification and resolution. 

Lack of Communication from the Collection Agency : To date, I have not received any communication from Vance and Huffman LLC regarding this debt. The lack of outreach from their end has left me without a clear path to dispute or understand this charge. 

Current Status : The derogatory mark remains on my credit report as of the last check on XX/XX/. This has caused undue hardship as it affects my creditworthiness and financial stability. 

I urgently request assistance in resolving this matter. The inaccurate reporting of this debt has unjustly harmed my credit score and financial reputation. I seek help in having this mark removed from my credit report and ensuring that such errors are not repeated in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
XXXX chase bank closed my account, without giving fund

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I opened a card with Old Navy through BARCLAYS in XX/XX/XXXX, and today XX/XX/XXXX of XXXX. I called them to ask about my account because I was under the impression that it was closed because I had paid the balance over a year ago when speaking with them, they said they had no record of statements, and that my account had been charged off to XXXX  XXXX XXXX During this time I had never received any communication through Old Navy about my credit card or about my statements or my debt. Or notification that my account was being charged off. I didnt know that debt existed. XXXX XXXX XXXX. they gave me the phone number and I contacted XXXX  when speaking with their sergeant. This was the first time they had ever spoken with me. They had no statement records and had never contacted me to verify debt. I explained to them that they had never contacted me and they looked over my account and had confirmed that they had never contacted me or had never received a statement. They did not have my address email or phone number after speaking with them, they put a dispute in with their team, but my account was at XXXX dollars, Ive never been verified about this debt or communicated about it with.

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 2023-12-27 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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-12-27 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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I HAVE TRIED TO HAVE MY PERSONAL INFORMATION UPDATED SEVERAL TIMES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hereby submit this formal complaint against TRANSUNION, expressing my profound dissatisfaction with their oversight in permitting fraudulent accounts to tarnish my credit report. Having initiated an FTC report with the corresponding identity theft report number XXXX, I am dismayed to discover that these fraudulent accounts persist on my credit report despite my efforts. My expectation was rooted in the belief that TRANSUNION would serve as a stalwart guardian of my personal information, ensuring the delivery of precise and secure credit reports. Regrettably, this breach of trust has left me questioning the reliability of their commitment to safeguarding my financial standing.

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 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello, I ordered a set of aligners from XXXX in XXXX of 2022 for {$1900.00}, which I received. As part of the purchase, XXXX offered a lifetime guarantee to give its customers a smile they are happy about. I had started the program with the idea of some small corrections to my upper teeth and minimal changes to my lower teeth. My teeth did not move in the way they were intended to by XXXX, and my XXXX XXXX XXXX XXXX XXXX and my upper teeth have not had the small issues fixed. The treatment worked great for the first month or so and I ordered a set of retainers for when I was done with my treatment. However, after some more time passed and my teeth were no longer moving as expected, I sent in a touch-up request to XXXX to XXXX another set of aligners to move my teeth the way they were intended to. The retainers I received did not fit my new smile, and the company was supposed to correct the {$190.00} charge but did not do so. 

XXXX sent me another set of aligners for the touch-up request, and I had a similar issue to last time. I sent in another touch-up request and XXXX sent me a set of aligners that did not my teeth at all due to an error from their end. They sent another set that fit my teeth better, but my teeth yet again did not move as expected. After bringing this to the attention of their customer service team, they denied another touch-up request and said I had met my results. This was despite my XXXX XXXX XXXX now vs not crooked when we started. After some back and forth with customer service, they told me to order another set of retainers to guarantee I maintain my lifetime guarantee. I ordered the retainers ( {$170.00} ), and they did not fit my teeth. 

After this, I sent in another touch-up request explaining the issue, and they approved it. I was supposed to receive the new set of aligners this week or next week, but the company has now ceased operations and cancelled all deliveries. The merchant has cancelled the agreement unilaterally due to financial and operational challenges. 

I filed this dispute because XXXX did not hold up their end of the agreement of providing the goods and services to improve my smile. They made my smile worse and now have left no way of continuing treatment / restitution. I have included the last contact I received from the company and PDF of their website here with information on the go-forward plan for XXXX. 

Chase investigated the dispute and the charges remain on my account. 

Best, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Incorrect information is being reported to my credit file. The loan information is incorrect. The balance and status is incorrect

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: KY

Complaint narrative:
Again Ive filed a complaint with Schwab having my bank account hacked and Schwab sent me a letter stating that I received a text message and their records show I did but I never received a text message to okay funds being transferred I would like the records showing the text message and Im willing to get all my messages from that date from my cell phone carrier, again when I received a call from Schwab they said they would call me back about the text messages I have never received that call

Company response to consumer: Closed with explanation