vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: AL

Complaint narrative:
My name is XXXX XXXX, and I am writing you as well as sending mail for the violations you are committing from my personal research. 

Account : XXXX To whom it may concern, I am writing to you again concerning account XXXX. Under the FCRA that you say you abide by here are some violations, you have committed after I have already informed you about them and you choose to ignore the LAWS I had provided so I will repeat them.

Pursuant to 15 U.S.C 1681 ( a ) ( 4 ), You are to respect my right to privacy as a consumer, which you have not because you are furnishing my personal information without my direct consent. You are infringing on my privacy.

Pursuant to 15 U.S.C 1681 ( a ) ( 1 ), You are reporting inaccurate information after I have provided you the inaccuracy in the name in the alleged debt which is an unfair credit reporting method.

Pursuant to 15 U.S.C 1681 ( b ) You are in violation with regard to confidentiality and accuracy since the name is an incorrect name which I have provided proof and made you aware and you choose to ignore this violation.

Pursuant to 15 U.S.C 1681 ( a ) ( 2 ) ( B ) Any approval of a specific extension of credit directly or indirectly is to be excluded from a consumer report, this alleged debt would not have been made if it wasnt due to an extension of the consumers credit.

Pursuant to 15 U.S.C 1681 ( a ) ( 2 ) ( A ) ( i ) any report containing transaction or experiences is to be EXCLUDED from the consumer report, and this alleged debt was a transaction and experience.

These are a few of the violations amongst many you have/are committing I have researched. Ignoring these will result in actual damages from willful violations and negligence.

Please address ALL violations in a 30-day period and failure to do so will be considered discharged and will need to be discharged in full and removed from all consumer credit reporting agencies. Not limited to XXXX, XXXX, and XXXX. 


XXXX XXXX Account : XXXX Thanks for your cooperation, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: MIDFIRST BANK
State: PA

Complaint narrative:
XXXX XXXX  was closed by me on XX/XX/2022. I did nothing t want to use this bank anymore. XXXX refuses to give bank funds. Stated that they sent it out XXXX have not received it called numerous times they still say it is in transit as of this date. XXXX has stated that they closed the account and I did not.

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 2022-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital One does not address the fraudulent items on my card ending in XXXX where over a combined charges from XXXX of {$520.00} and XXXX of {$240.00}. I turned this claim into Capital One I believe in XXXX of XXXX  they found it to be fraudulent charges but only refunded back to the new card I was sent card ending in XXXX a total of less than {$40.00}. The rest was rolled over to the balance on the new card. They changed the statements. My credit was {$350.00}. I now longer had purchases I did use the card after all this. They took my {$200.00} deposit. I made a {$500.00} payment to them. They changed the way their statements read to try to confuse Me and hide the charges. Everytime I file a dispute they only refer to the new card I was issued ending in XXXX. I hope You will see their statements do not make any sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I was called buy a process server saying they wanted to know if i would be home so they could serve me paperwork on a civil mater. She didn't know what it was about but gave me a case number and phone number to call. When I call the number they answer as XXXX XXXX XXXX XXXX and said I had an account with XXXX debt from XXXX. I told them I filed bankruptcy in XXXX and said they would check and get back to me. I asked for them to send me paperwork on this because I think it was fraud using my name and they refused. I tried to call the process server back on the caller ID number in my phone and it went to voicemail. The message for this voicemail gave the company name as XXXX XXXX and associates. i have tried to call it 3 times with no answer. I did some looking online and found links to scams from both of these company 's using the same wording as they used with me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and associates 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 explanation
Consumer complaint received 2022-04-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have contacted Experian and told them that they were reporting the wrong information on my credit report.

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 2022-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
Fraudulently established accounts, originating XX/XX/21 around the same time my identity was attempted to be breached by someone that tried to file for unemployment benefits using my name address and any other info required to to so. The HR dept of my employer contacted me informing me of such. A few months prior I received an invoice from a collection agency representing a company named XXXX, which doesn't serve the area I live in, claiming I owed them an amount for service from XX/XX/21 onward. I never established this account, nor did I ever receive a bill from XXXX. It wasn't until I received communication from the collection agency that I became aware of the fraudulent account being established. Research revealed XXXX is a multimedia company offering cable and internet services among others. I have XXXX XXXX and XXXX  communications fiber optic for my multimedia and internet needs. I initially disregarded the communication as I didn't establish the account. After receiving a second or third notice I decided to attempt to contact XXXX to no avail as I wasn't able to reach an actual live customer service representative. I created a credit monitoring account through XXXX XXXX which is when I determined there were 3 accounts that I didn't establish that had been reported to the credit bureau as gone into collections by the companies represented 2 of which were XXXX. I immediately began the dispute process with XXXX XXXX, subsequently 2 of the 3 accounts were deleted from my credit report, the third met the minimum FCRA requirements and wasn't able to be deleted via the dispute.

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 2022-04-21 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: LA

Complaint narrative:
I have sent out multiple letters requesting this debt to be validated by the creditor and the bureaus and no one has sent me anything! I have never owed XXXX anything as far as an unpaid balance. This needs to be fixed right away

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 2022-04-21 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: LA

Complaint narrative:
I have sent out multiple letters requesting this debt to be validated by the creditor and the bureaus and no one has sent me anything! I have never owed XXXX anything as far as an unpaid balance. This needs to be fixed right away

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To Whom It May Concern, On XX/XX/2022, I wrote to you requesting an investigation into items that I believed were innacurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: MD

Complaint narrative:
They keep harassing me by calling me repeatedly. I've told them to stop calling me and they continue to do so. I block one of their ohone numbers and they continue to call me from different phon numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

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. 
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 # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX Other accounts : # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # **** # XXXX # XXXX # XXXX # XXXX # 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 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : Credit Collection Services There is a collection on my report in the amount of {$670.00} on my credit report which needs to be removed. 

XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been working with XXXXwo mortgage companies that have been unable to pull my credit report and credit score. This has been going on 2 weeks now trying to get this resolved and are still unable to pull my credit. 
I phoned Equifax on XXXX spoke with a representative who stated there was nothing on their end that was causing the problem. There are no freezes, disputes or freezes on my account. They stated that the company should be able to get the report. 
Phoned equifax again later on XXXX company attempted to run again with no luck. Again, as noted above Equifax still stated there was no reason they should not be able to pull my credit and that all information was correct. 
Phoned equifax again on XXXX. Verified my address online with them, also verified my potential lender had the same information- still unable to pull my credit report or credit score. I was on the phone with an Equifax customer service agent for 40 minutes trying to figure out why this was happening with no resolution. Still stating everything was fine. 
Phoned equifax again XXXX as the mortgage company is STILL unable to pull my credit information. XXXX and XXXX XXXX XXXX XXXX has attempted again to pull my score and get the same response : Information from your credit inquiry has been identified as potentially fraud therefore the credit report is not available for delivery. 
The above is the response they have gotten 3 times now! This is infuriating, I am going to miss out on buying my land and building my home because Equifax can't figure the problem out. It is ridiculous to go through this. XXXX and XXXX are reporting just fine. This needs to be resolved ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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

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 ALL HAS VIOLATED MY RIGHTS 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without written consent.

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 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

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

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 XXXXXXXX ALL HAS VIOLATED MY RIGHTS 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without written consent.

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 2022-04-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
We were offered COvid program to delay payments by XXXX XXXX. We agreed to take part. XXXX XXXX however sold our mortgage to Fay Servicing near the end of the program. We were told by XXXX XXXX that all delayed payments would be added to the end of the loan. Fay Servicing told us they needed the whole amount delayed paid now. App {$10000.00}. This was not what we agreed to by XXXX XXXX. We were told by XXXX XXXX All agreed to conditions would be honored by Fay Servicing. Instead Fay Servicing has started foreclosure until we pay the entire COvid amount. We would not have agreed to this program if that was the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: PA

Complaint narrative:
On XX/XX/22 I sent a letter to transunion via certified mail in which they have received about fraudulent inquiries on my account. Til this day transunion havent updated nor removed the information. Ill attach letter for further review. And if updated Id like to know the people in whom transunion spoke with specifically to verify these inaccuracies. If not I will be taking legal action.

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 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX for {$140.00} ; # XXXX for {$3200.00} ; # XXXX for {$140.00} ; and # XXXX for {$250.00} XXXX  XXXX XXXX Account ending in # XXXX for {$230.00} XXXX  XXXX Account ending in # XXXX for {$100.00} and account ending in # XXXX for {$200.00} 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, also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: PA

Complaint narrative:
On XX/XX/22 I sent a letter to XXXX  via certified mail in which they have received about fraudulent inquiries on my account. Til this day XXXX havent updated nor removed the information. Ill attach letter for further review. And if updated Id like to know the people in whom XXXX spoke with specifically to verify these inaccuracies. If not I will be taking legal action.

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 2022-04-21 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: LA

Complaint narrative:
I have sent out multiple letters requesting this debt to be validated by the creditor and the bureaus and no one has sent me anything! I have never owed XXXX anything as far as an unpaid balance. This needs to be fixed right away

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 2022-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: First National Collection Bureau, Inc.
State: TX

Complaint narrative:
Debt collection company keeps trying to collect an outstanding balance that is too old to collect on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 

XXXX XXXX XXXXXXXX in Equifax, balance is {$210.00}, and account # XXXX

Company response to consumer: Closed with explanation