vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-03 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: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I called XXXX and XXXX to ask for the removal of hard inquiries that I did not authorize. I was told that they would not remove them without a police report being sent to them. I stated to them that under the FCRA law that states if any information can not be verified it must be removed : the two bureaus than proceeded to tell me to report it to the FTC. I was than told that there was nothing they can do. They refuse to help in the matter at hand.So no action will be taken I was told. These are the hard Inquiries that was not authorize by me. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX. XXXX XX/XX/XXXX Also I would like to ask for the removal of two late payments.One from XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX XXXX. The two companies reported late payments despite me trying to pay before the due date but the dates fell on a weekend so it did not allow me to pay until the upcoming mondays and even than it still took 2 to 3 days to process the payment I have contacted both companies and they told me that they understand and it wasnt my fault that they would update their notes and I would have to report to you guys ad you will contact them and they would give you access to their notes I would have to reach out to your company on behalf of myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 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: PA

Complaint narrative:
On XX/XX/XXXX I called XXXX and Experian to ask for the removal of hard inquiries that I did not authorize. I was told that they would not remove them without a police report being sent to them. I stated to them that under the FCRA law that states if any information can not be verified it must be removed : the two bureaus than proceeded to tell me to report it to the FTC. I was than told that there was nothing they can do. They refuse to help in the matter at hand.So no action will be taken I was told. These are the hard Inquiries that was not authorize by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Also I would like to ask for the removal of two late payments.One from XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX. The two companies reported late payments despite me trying to pay before the due date but the dates fell on a weekend so it did not allow me to pay until the upcoming mondays and even than it still took 2 to 3 days to process the payment I have contacted both companies and they told me that they understand and it wasnt my fault that they would update their notes and I would have to report to you guys ad you will contact them and they would give you access to their notes I would have to reach out to your company on behalf of myself.

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 2023-10-02 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: PA

Complaint narrative:
I am a victim of identity theft. I am not liable for this XXXX XXXX Account. 

Attached is FTC 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 2023-10-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions
State: AZ

Complaint narrative:
I've received numerous phone calls from Rent Recovery Solutions attempting to collect a debt. My mother and I were on a previous rental lease together and she too has been receiving an overload amount of phone calls attempting to collect this supposed debt. 

We each receive phone calls daily, on the weekends, early in the morning and our family members have also been contacted in this company 's attempts. My mother and I have no outstanding debts to a renter or creditor and no proof from this company has been submitted to us. 

I have a log of phone calls from this company and it's harassing to not only myself -- but also to the family members who've been contacted by this company. 

I am requesting for Rent Recovery Solutions LLC to cease and desist from all contact of myself, my mother -- as well as other family members and for an immediate stoppage of any attempt to collect a debt as well as for their threats to place collections claims with credit bureau agencies to stop. 

Rent Recovery Solutions is in violation of fair debt collection practices act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Wyndham XXXX XXXX representative at their XXXX XXXX destination accessed my credit report without my permission and on contesting he was not ready to listen and instead started abusing us. We were fraudulently asked to attend their sales presentation and they accessed our personal info as well without our permission. They in addition also duped us of {$40.00} from our credit card and refused to refund that to us I would like to strongly complaint against their behavior and would like to get {$40.00} which they deducted from credit card. In addition we would like to ask for a compensation of XXXX Wyndham points for which they did fraudulent claims, did hard Enquiry on my report without my consent and forced us to buy those points

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 2023-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
This has been going on since late XXXX. I asked to have my Venmo balance transferred to my bank account the same account Ive previously added money from, and withdrawn money to. 

For some reason, they froze my account and would not tell me why until ten business days had passed and ever since, theyve been asking me to repeatedly send them copies of my identification. 

Ive done this at least five times, but its on online form that I dont get a copy of.

Im not a wealthy man.. I did not intend to loan this money to Venmo for several months. 

I want my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX & 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX & 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.

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 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
My refinance company checked my credit and I was inundated with unsolicited loan offers. I have been receiving so many phone calls it's having a negative effect on my business and it's costing me money.

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 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please remove the late payment from my account. 
I always pay on time. This is causing me a lot of stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: SC

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX : {$13000.00} ; XXXX XXXX XXXX XXXX  Balance : {$360000.00}.

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 2023-10-03 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: SC

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX : {$13000.00} ; XXXX XXXX XXXX XXXX Balance : {$360000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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:
Equifax has not received written instruction to furnish a consumer report on my behalf in doing so Equifax is actively committing identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had checked my checking account and saw there was XXXX Dollars spent on my account that was not me and I told them all the purchases that were not me and they refunded me XXXX only and took it back out of my account a couple weeks later which took the rest of my money it has been XXXX years and Ive called everywhere and nobody seems to be able to help me I have proof the XXXX XXXX from the purchases that added up to XXXX and it said that it was in XXXX I showed them that and they still would not give me a full refund please help I havent been able to have a bank account in 2 years they closed my account because it was in the negative and I had no money to pay it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. DPT EDXXXX XXXX Balance Owed : {$1400.00} ; DPT EDXXXX XXXX Balance Owed : {$920.00} ; DPT EDXXXX XXXX Balance Owed : {$4200.00} ; DPT EDXXXX XXXX Balance Owed : {$9100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$19000.00}.

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 2023-10-02 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: NY

Complaint narrative:
This hard inquiry is fraudulent I didnt authorize it. XXXX XXXX XXXX XX/XX/2023 please delete it from 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 2023-10-02 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: TX

Complaint narrative:
My identity was compromised and someone tried to apply for credit under my name on XX/XX/2023 from a company called 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 2023-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NE

Complaint narrative:
Per Department of Edu and servicer statement should have been received XXXX  days prior to the first due date after the repayment pause. This did not occur, first payment due XXXX and email with statement received XX/XX/XXXX. Shows made available on servicer 's portal on XX/XX/XXXX. Also received email confirming auto-payment improperly formatted to the point it was missing the scheduled date for withdraw. The discount for having the loans on autopay is also not made clear that it is applied to the interest calculation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
I hope my letter finds you well. I would like to file a complaint and open an investigation against Nelnet student loan company. I have had several illegal issues with the company that I will list in order as it happened : I called on XX/XX/XXXX because I had an issue with my XXXX XXXX on FAFSA. The representative on the phone said she will be able to process my application over the phone and she assured me that it was submitted, and she said I have XXXX payment till next year. I asked her if I had any money due, she said no I have XXXX payment and do not have to pay or do anything. She also said I will get an email regarding my status. 

On XX/XX/XXXX I opened my Nelnet profile to check my status, I found no application for XXXX and I saw that my interest got higher. So I called around noon time : I was told that I have no application in process and that my interest started accumulating daily since XXXX XXXX. I was on hold for over XXXX hours and I am working full time so I had to hang up because I had work. Called again after work around XXXX, was put on hold again for XXXX hours. I spoke to another representative and had me submit another XXXX XXXX  application and was told it takes around XXXX weeks to get processed. For my interest : I was not notified via email or mail or even over the phone when I called on XX/XX/XXXX that my interest started accumulating so I asked to speak a supervisor. He submitted a request on my behalf to waive my interest charges as I requested, and he told me my save application I submitted today is in process. I asked him if I was notified by mail about my interest starting, he said no mail or email was sent regarding that. I did tell him what happened on XX/XX/XXXX and that a representative lied about my save application and took my information down and said it is submitted. He said " will go over this in our coaching sessions '' On XX/XX/XXXX, I called again because I did not get any confirmation email for my XXXX XXXX  after I submitted it on XX/XX/2023. Had to hold for XXXX hours and XXXX mins. I was told my application will not get processed till XX/XX/2023 and it will take till late XXXX to get it processed. 

These are the facts and what happened with NELNET over the past XXXX weeks. This company is costing me money for my interest that started, and I was not LEGALLY notified by it before it started via mail. This company is costing me money every day for not processing my XXXX application and my interest is calculated daily. I would like to file a complaint against them and also have my interest waived. I would like to change my loan servicer to another reliable company. Every time I call, I have to hold for over XXXX hours and this is the only way to get a hold of them. I am the only XXXX from my friends that is dealing with these issues because they do not have nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Paramount GR Holdings, LLC
State: NC

Complaint narrative:
I called and specifically told Good Leap do not take payment on the XXXX. They took it on the XXXX causing me to overdraft. These clowns has been no help as far as payments are concerned. They call and harass me at work and at home. Called my relatives and friends. Filed a report. Goodleap swept it under the rug abd said oh well you know your payment is due on the XXXX of every month and bs that makes no sense. Anyway, they also don't call from the same number. They have XXXX different numbers they call from just to harass me no matter the time of day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: IL

Complaint narrative:
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I previously disputed this account stating : ''I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXX Flexible spending credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$9600.00}. 
I previously disputed this account stating : ''I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible.

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