vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The following consumer reporting agency is furnishing inaccurate information and accounts. Please remove the inaccurate information and accounts 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 2023-03-18 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: OH

Complaint narrative:
Approximately the XXXX or XXXX week of XXXX I discovered via XXXX XXXX a new credit card from XXXX XXXX had been placed on my credit report. I immediately contacted XXXXXXXX XXXX  and was informed they did not have any accounts with me. I then filed a dispute with XXXX and Equifax. XXXX apparently has removed permanently the XXXX XXXX account from my credit report. However according to XXXX XXXX, Equifax removed the XXXX account on XXXX, and placed it back on my credit report XXXX, I them a requested a copy of my credit report from all three bureaus. Approximately XXXX I received my Equifax credit report, and the XXXX account was still on the report. I immediately filed a written dispute with Equifax. Toward the end of XXXX I contacted Equifax to inquire into the status of my XXXX written complaint. I was informed they did not have it. I them submitted a XXXX dispute via phone. On XXXX Equifax mailed a letter stating they wound not be investigating the dispute submitted in the end of XXXX. Stating theyre currently processing the dispute submitted the first of XXXX. And that I would have the results of the XXXX dispute within 30 days of the date the dispute was received by Equifax. Its XXXX, and I havent received the results of the early XXXX dispute. Im getting the runaround!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: VA

Complaint narrative:
Exactly how long is Mohela going to have on a prerecorded message that, " due to unprecedented student loan volume ''. At some point it just takes a long time to reach customer service, there is no extraordinary event 2 years always happening, this is normal. 

Customer service reps are poorly trained. I get hung up on, passed around. I get zero assurance and professionalism when I call into Mohela. This servicer needs to improve or another one needs to be obtained.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
Experian report XXXX remove my XXXX payment because I sent proof. This is illegally for them to put inaccurate 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 2023-03-18 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: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
15 USC 1681 section 602 States I have right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer a furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card a open- end consumer credit plan as late for any purpose.

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 2023-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
In review of my XXXX credit report I noticed that a collection has been reported without any notification for Portfolio XXXX. I do not know who this company is and why they are violating my consumer rights. 

They show as opening this collection on XX/XX/XXXX which is in direct violation of the FDCPA Regulation F. This rule was passed in XX/XX/XXXX which clearly states : Actions Which Must be taken Prior to Credit Reporting : Prior to reporting a consumer debt to a credit reporting agency, the debt collector must now actually speak with the consumer about the debt, either on phone or in person, mail the consumer a letter about the debt and wait a reasonable period of time to receive a notice of undeliverability, or send the consumer a message by electronic communication and wait a reasonable period of time to receive a notice of undeliverability. 

This company has not abided by the law! They have just knowingly and willingly placed a debt that I do not identify on my credit file and has hindered my ability to get approval from other lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Frost-Arnett Company
State: FL

Complaint narrative:
We received a letter in the mail from a debt collector called Frost-Arnett citing we owed {$80.00} from a medical bill with a balance at XXXX XXXX XXXX XXXX XXXX . I almost paid the bill but then noticed it was addressed to me with my husbands last name despite me keeping my maiden name which didn't make sense. 

I then reserached Frost-Arnett and it seems they are a fraudulent company trying to scam people. I did not pay anything and am just reporting them. 

The contact number listed on the debt collector letter was XXXX and they wanted me to send the money to XXXX XXXX XXXX in XXXX, TN XXXX. There was also a website listed of XXXX Please do not reach out to the company on my behalf. Just hold them accountable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
i was checking on my credit which i normally never do and i noticed that i have XXXX unauthorized HARD inquiries on my report that i have not done any business with what so ever. 


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 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 explanation
Consumer complaint received 2023-03-18 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Improper use of report ; 1 ] In accordance with the fare credit reporting act this creditor has violated my rights, under 15 USC 1681 section 602, states i have the right to privacy.

15 USC 1681 Section 604 A section 2, also states a Consumer reporting agency can not furnish an account with out my written instruction.

Under 15 USC 166 B, a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any reason.

I have hired a credit repair service to help in this situation, unfortunitly this has been a long and expensive process. XXXX XXXX XXXX. I have recently had to cancel service.

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 2023-03-18 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: MI

Complaint narrative:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ 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 2023-03-18 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
checked my credit unauthorized hard inquiry SYNCB/AMAZON ( Bank XXXX XX/XX/20XXXX 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 2023-03-18 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: FL

Complaint narrative:
Equifax have not provided any evidence showing that you have conducted a full independent investigation on the fraudulent charges as required by the Fairs Credit Act when official police report ( s ) by law enforcement has been provided to you. 

According to the 1997 case of Cushman vs Transunion, the court has ruled that a full independent investigation needs to be done and provided to the consumer if the consumer disputes the accuracy of their credit report. 

Equifax CAN NOT SIMPLY say " EXUIFAX VERIFIED THAT THIS ITEM BELOGS TO YOU '' without conducting their own INDEPENDENT INVESTIGATION as stated in the Fairs Credit act and proved by court in the 1997 case of Cushman vs Transunion. EQUIFAX HAVE NOT PROVIDED ANY EVIDENCE NOR DOCUMENTS THAT SHOWS HOW THEY CLAIM TO HAVE VERIFIED THESE ACCOUNTS. 

These credit bureaus are lying and violating these rights under The Fairs Credit Act. They are NOT conducting a full INDEPENDENT INVESTIGATION and has not provided not one single evidence or proof about how they " VERIFIED '' these accounts. Without evidence or proof, these accounts are considered " UNVERIFIABLE '' and according to the Fairs Credit Act they must removed them IMMEDIETALY from my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
unauthorized hard inquiry SYNCHRONY FINANCIAL ( Finance ) XX/XX/202XXXX 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 2023-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
XXXX Dates is between XX/XX/22 and today As of XX/XX/22 it say I owed them {$270.00} Total amount {$270.00} The creditor will accept {$200.00} Call them twice

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 2023-03-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
Venmo suspended and froze my account stating that I'm involved in activities that goes against their user policy.. basically I had a few disputes for doordash delivery service... Because my order was cancelled and never refunded and for every dispute that I reached out to venmo to file I had proof for I sent them verifying documents and support of my dispute for every single dispute and this one agent right before this happened seem suspicious of me as if I was lying I guess even though I sent over verifying proof and support of my dispute that I was claiming with him or filing with him and then the next day venmo had suspended my account and Frozen my money of {$23.00} and I have tried to reach out to them to unsuspend my account so I can have access to my funds and each time I get the runaround and then or told I need to do this or do that change my password wait for an agent to contact me I've I've done it all and I've waited for almost two weeks and still they still have my account suspended and Frozen and at the time 2 weeks ago that really hindered me because it was the only bit of money I had left to my name which I stress to them because that was my gas money to get to work and I don't have friends and family that I can just call upon to borrow money so not only did this hinder me in general but not having access to the money but I also was not able to get to work for a week till I got my next paycheck I have tried and tried to speak with venmo and nothing ever comes to a solution nor do I get any help I just get passed around from agent to agent and then finally get told just to wait around for an email well this is not right this is beyond wrong especially at the fact that they're suspending my account based off of suspicion that they have no proof of but yet I have every bit of proof of verifying documents sent in support of my statement for every dispute I want my account unfrozen unsuspended and I want access to my funds it may be only {$23.00} and that might not be nothing to somebody but to somebody like me who lives paycheck to paycheck that means a lot they are in the wrong and are withholding my money for absolutely no good reason with no proof nor will they even actually say what activities I've been involved in that goes against their policy that's just all that they would tell me they would not further explain which I think is XXXX  please help me get my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
See Attached I have noticed several inquiries on my consumer report that I did not authorize.

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 2023-03-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I presently have both an XXXX XXXX credit card and a savings account with CitiBank. I typically track my credit purchases at least weekly via the CitiBank mobile app, this site also includes access to my savings account. 
Last week when I logged in from the app, I was immediately taken to an activation page where I am provided with two choices ; enter new card ( doesn't specify credit or debit ) and choose " continue '' or " cancel '' which routes you back to the login page. I do not have a new debit card ( I destroyed the original as it was neither needed nor requested ) and have already activated and used my credit card which was received approximately 6 months ago. 
I have tried their automated phone, spoken with approximately 8 people none of which can help me gain access to my account ( one resolution was to drive 329 miles to my nearest branch office to complain in person ). They can not tell me when the card was sent only that I need that card number or the original one that I destroyed in order to gain access. The reason provided was for security despite being able to provide my full name, address, credit card and savings account numbers and date of birth.

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 2023-03-18 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: WI

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, Account # XXXX, Account # 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 2023-03-18 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: WI

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  Account # XXXX, Account # XXXX, Account # 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 2023-03-18 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: OR

Complaint narrative:
In accordance with Fair Credit Reporting act this creditor has violated my rights under 15.USC. 16.81 section 602 states I have the right to privacy.

15 USC 16.81 section 604a section 2, states an credit agency can not furnish account information without my written instructions.

15 USC 1666b states that a creditor may not on an open credit card account treat a payment under an open consumer plan as late for any purpose.

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 2023-03-18 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: FL

Complaint narrative:
Equifax have not provided any evidence showing that you have conducted a full independent investigation on the fraudulent charges as required by the Fairs Credit Act when official police report ( s ) by law enforcement has been provided to you. 

According to the XXXX  case of Cushman vs Transunion, the court has ruled that a full independent investigation needs to be done and provided to the consumer if the consumer disputes the accuracy of their credit report.

Equifax CAN NOT SIMPLY say " EXUIFAX VERIFIED THAT THIS ITEM BELOGS TO YOU '' without conducting their own INDEPENDENT INVESTIGATION as stated in the Fairs Credit act and proved by court in the XXXX  case of Cushman vs Transunion. EQUIFAX HAVE NOT PROVIDED ANY EVIDENCE NOR DOCUMENTS THAT SHOWS HOW THEY CLAIM TO HAVE VERIFIED THESE ACCOUNTS. 
These credit bureaus are lying and violating these rights under The Fairs Credit Act. They are NOT conducting a full INDEPENDENT INVESTIGATION and has not provided not one single evidence or proof about how they " VERIFIED '' these accounts. Without evidence or proof, these accounts are considered " UNVERIFIABLE '' and according to the Fairs Credit Act they must removed them IMMEDIETALY from my consumer credit report.

Company response to consumer: Closed with explanation