vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
Hello, This is my last attempt in speaking with you guys about violating my rights as it relates to my consumer rights. You guys are violating laws and I will list them. I have no knowledge that this account is mine. I have never received any letters from you guys stating you would report my non public information to a consumer report which is a third party entity. You guys will not sue because you are legally unable to, but I have the rights to sue and I will if this is not removed from my consumer report. 

1st law violated is 15 USC Code 6802 Obligations with respect to disclosure of personal information. ( a ) notice of requirement states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. If there was an alleged debt like you explained by federal regulations you are legally suppose to send that notice document. Which I have never seen nor do you have the proof that it was sent. You must also clearly and conspicuously disclose this in writing or electronic form or othr form permitted by the regulations prescribed under section 6804 of this title. And provide clear instructions of how I could exercise rights to opt out. None of that was provided.

2nd law violated what 15 US Code 1692g Validation of debt. you guys never submitted these documents either. If so please provide the documentation. With in five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- -- ( 1 ) the amount of debt : ( 2 ) the name of the creditor to whom the debt is owed : ( 3 ) a statement that unless the consumer within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; This was not done either. I have documentation that I have spoke with you saying this debt isn't mine and you continue to furnish inaccuracies on my consumer report.

I am asking for the bill of sale of this alleged debt and this is a notice to sue for aggravated identity theft and other violations that you previously stated in you have not violated.

Please stop responding with pre-typed responses and take this matter serious. I know every consumer law and you may want to get familiar with them before you cost you and your company XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally report what I firmly believe to be multiple violations of the U.S. Fair Credit Reporting Act because the CRAs failed to validate the status with the lender.

Recently, I obtained copies of my credit report from the XXXX major credit reporting agencies, namely XXXX, Equifax, and XXXX. Upon a thorough review, I uncovered several discrepancies and inaccuracies which, in my understanding, are clear infringements of the FCRA. Specifically, on XX/XX/2023, I mailed an authentic document showing pertinent evidence to all three credit reporting agencies, urging them to rectify my account status to " paid in full as agreed. '' I am seeking your intervention now. 

Under the provisions of the FCRA, it is my contention that my accounts were not appropriately updated, as XXXX, Equifax, and XXXX failed to validate my account information, thus failing to accurately report my account status has cause my recent application to be denied, stipulations for approval of cash down payment of XXXX and continuous denials. 
I have been stressed and having XXXX XXXX XXXX and other XXXX XXXX I need your help as I have been ignored and subsequently been deleted from Equifax. 


Attached to this letter, you will find copies of my credit reports thoughtfully highlighted to illustrate these discrepancies. The adverse consequences of these inaccuracies have had a detrimental impact on my creditworthiness, and I must stress my overall financial well-being, giving rise to significant concern. 

I wish to emphasize that despite my diligent efforts, the inaccuracies persist unabated. As such, I firmly believe that these ongoing issues are unequivocally in violation of the FCRA. In light of this, I respectfully implore the CFPB to conduct a thorough investigation into these matters and subsequently take all necessary actions to rectify these inaccuracies that have profoundly affected my credit report. 

In addition to the copies of my credit reports provided, I also humbly request that you acknowledge receipt of this letter and furnish me with a reference number or case number for tracking purposes. I am confident that the CFPB will intervene and help me to reach a resolution to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: GA

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 : DOEXXXX Account Number : XXXX Account Name : DOEXXXX Account Number XXXX XXXX Account Name : DOE/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Requested companies how did get info. did not request not aware of inquiry.

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Requested companies how did get info. did not request not aware of inquiry.

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 2023-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XX/XX/2023 {$250.00} XX/XX/2023 {$450.00} Called to report that I was scammed out of {$700.00} for tickets that were promised to be sold to me, they started a dispute but said it was not guaranteed a credit or my money back due to it being an approved payment from me to purchase goodies. I have yet to receive credit or any information on whats going on with my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: HI

Complaint narrative:
US BANK XXXX XXXX XXXX  XXXX  offers a welcome bonus {$200.00} statement credit to card holders who spend more than {$1000.00} within 120 days of opening their account. I discovered from my account on the US bank mobile app the last date for me to qualify for the bonus was XX/XX/XXXX. I made purchases using the card and I saw transactions posted on XX/XX/XXXX amounted to {$710.00}. Subsequent transactions were labeled as pending. Which included the following transactions listed below : XX/XX/XXXX {$51.00}, XX/XX/XXXX {$180.00}, XX/XX/XXXX {$59.00}, XX/XX/XXXX {$6.00}, {$4.00}, {$15.00} Total purchases made {$710.00} + {$320.00} = {$1000.00} But when I called US Bank enquiring about my Welcome bonus on XX/XX/XXXX XXXX pm XXXX  Local time, XXXX by the name of XXXX, picked up the phone and told me that because of the pending transactions I am not qualified to receive the welcome bonus of {$200.00}. Take note that I have spent the money {$1000.00} using the US bank credit card within the time frame, the last day being XX/XX/XXXX midnight and I was told that I was disqualified because of the pending transactions yet to be posted to my account. It was never mentioned in the US bank brochures regarding credit card that pending transactions made within the time frame are not counted towards the total spending. 
I believe that I am not the only victims to suffer from unfair treatment from financial institutions. Therefore I file a complaint against US Bank with CFPB hoping that justice would be done

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 monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX Balance Owed : {$220.00} ; XXXX XXXX XXXX XXXXXXXX BalanceOwed : {$120.00} ; XXXX XXXX Balance Owed : {$290.00} ; XXXX XXXX Balance Owed : {$2900.00} ; XXXX XXXX XXXX BalanceOwed : {$10000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc.
State: NM

Complaint narrative:
XXXX XXXX XXXX asked me to leave and would not be renewing my lease. It was just before XX/XX/XXXX. They refused to give me a reason but stated they would evict me if I stayed. I was packed and out before the end of the month. 
I got an apartment after I left without any problem. XXXX XXXXtold me they filed the Previous Balance report on XX/XX/XXXX. 
XXXX told me I owed them for XXXX and XXXX, a balance of {$600.00}. 
XXXX also told me they mailed the notice to the apartment they a had asked me to vacate. 
I didn't get any notice about money owned until today after I had found housing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
My credit reports are showing a late payment error from BMW. I never been late on any of my statements with them. This late payment error is bringing down my XXXX  score unfairly and I need this corrected right away or I will be looking into filing a claim against them for defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: MI

Complaint narrative:
This is my 23rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Today, XX/XX/2023, I contacted Experian about an issue accessing my credit report. My credit information was pulled on XX/XX/2023 by a creditor through whom I was making a major purchase. The creditor told me that the credit bureaus were " unable to verify my identity. '' I called Experian and they were unhelpful. They refused to provide me with a copy of my current credit report via email despite being able to confirm all of the personal information that they have on file with me was accurate. They said they needed to send it for a " deep dive '' to their " back office '' and suggested I call back in 3-5 business days. Requests for further information were not answered. Demands to escalate the issue to supervisors were ignored. I was hung up on twice ( once by an agent, once by a supervisor ) and spent over 2 and a half hours on the phone with Experian with absolutely zero solution offered. Experian is recklessly failing to report accurate credit information when it is requested, which will drastically impact the lives of consumers all across the country. Experian MUST be able to provide better information about how they internally manage their customer 's information -- if my accurate information is not being generated pursuant to a standard inquiry, Experian is violating consumer protection laws.

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 2023-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XX/XX/2023 - total amount of XXXX dollars, it wasn't me who made those charges and they refuse to give me back my money. They want me to pay this crazy amount that i dont have for purchases i shouldn't owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: MD

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: MD

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-10-11 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: AL

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 XXXX XXXX  account # 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 2023-10-11 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: AL

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 XXXX XXXX account # 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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The letter attached shows discrepancies and unauthorized items on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I am submitting this complaint against Nelnet Financial Services Company, regarding my student loans reported on my Credit Report and Federal Student Aid account. I am submitting this complaint because I have been attempting to request documentation on my student loans from Nelnet since XX/XX/XXXX and it has been an unsuccessful process. I have contacted Nelnet via email and telephone multiple times in the last six months. However, I do not receive a response or the documentation I requested to possibly get this matter resolved. I have requested copies of the Parent Plus Loan documents, Student Loan Breakdown, XXXX, and transfer documents from my previous loan servicer. The reason for this complaint is to report Nelnet for reporting that I owe the " Parent Plus Loans '' that were granted to me in XXXX. Per the Federal Student Aid Website, it states " A Direct PLUS Loan made to a parent can not be transferred to the child. You, the parent borrower, are legally responsible for repaying the loan ''. As the child, I am not responsible for paying back the Parent Plus Loans, this information needs to be reported to my parent. I have requested this documentation from Federal Student Aid and my previous institution, XXXX University. I was advised to contact Nelnet for this documentation, which I have not received a response to any of my requests. I will be attaching copies of emails on my requests to Nelnet, emails from XXXX University and Federal Student Aid regarding the Parent Plus Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: CA

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXX/XX/XXXXXXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ;XX/XX/XXXX XX/XX/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