vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I received rent assistance from XXXX for XXXX XXXX- XX/XX/XXXX. I also received a grant in XX/XX/XXXX. My grant should have not applied until XX/XX/XXXX & also covered XX/XX/XXXX. Leaving a XXXX $ balance. There is no other way to make calculations. I have letters and proof of checks. I also have emails of repeatedly having to show proof of rent when I lived at XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: NY

Complaint narrative:
For many months now I have been working to correct these fraudulent items with the bureau, corporations and whomever else is involved. The information that is being reported was not authorized by me and the information is not correct, yet the agencies continue to report it and am now having to seek legal action to take care of it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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 am following up on a previous dispute that was filed in which I requested that multiple accounts listed on my credit report be validated and I was specific asking for documentation that was used to determine the account to be valid. If there was no validation or documentation provided then by law the account was to be deleted. Equifax failed to provide either the proof of validation or deletion of the account. They are now liable for damages under the law for willful non compliance. Further they failed to address all of the accounts that were disputed including a public record which they have zero written authorization from me to be reporting to my credit report. 

So again I request that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX | Account # : XXXX XXXX XXXX | Account # : XXXX XXXX XXXX XXXX  | Account # : XXXX XXXX XXXX XXXX | Account # : XXXX XXXX XXXX XXXX  | Account # : XXXXXXXX XXXX XXXX XXXX | Account # : XXXX XXXX XXXX XXXX Account # : XXXX & XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I received a text alert from Frost Bank ( my checking account ) stating a scheduled transfer of {$3800.00} was received. I immediately called the Fraud department and advised that I did not authorize this transfer. My account showed that someone had fraudently accessed my account and set up an external bank account and scheduled funds to be transferred. The bank advised I needed to go into the branch and close my account and re-open a new account. 

After visiting bank and setting up new account all money was transferred to the new account except the {$3800.00}. The bank stated it was under investigation. XX/XX/XXXX the bank deposited was they called a " provisional credit '' to my old account and advised it was still being investigated. 

On XX/XX/XXXX I visited the bank again to find out why my money had not been transferred back to my new account. The bank teller stated the investigation was complete and transferred the {$3800.00} from the old account to the new. 

On XX/XX/XXXX Frost made a second withdraw of {$3800.00}. On XX/XX/XXXX I contacted the branch to inquire why my old account had a negative balance of $ XXXX. I was told the investigation was closed but they found no " banking errors '' therefore I would be responsible for the {$3800.00}. I asked the bank representative to provide me with all investigation information ; in particular the IP address that they said the transaction came from and identified as being mine. 

On XX/XX/XXXX I received a letter from Frost stating that if I did not bring my account to current it would beclosed and reported to a nationwide consumer reporting agency.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-14 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: IL

Complaint narrative:
To my knowledge, FCRA 605B states that inaccurately reported accounts should be removed from credit reports. I'm uncertain about the specifics, but please review the accounts detailed in the documents. They're inaccurately reported on my credit history, including erroneous account information and statuses. This situation has upset me, and I'm feeling unwell. I'm reaching out for your assistance.

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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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. 

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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX Account name ' XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. Also 42 USC 408 Asking for any Social security number on any loan is fraud and a violation of RICO 15 USC 1666b there is no such thing as late payments and I personally can name several others as well like we are the credit and the debt. I would honestly respect if you all respect the law...

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 2024-02-14 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: Bread Financial Holdings, Inc.
State: NY

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


I told XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX Account name : XXXX XXXX XXXX Account name XXXX XXXX  XXXX Account name ' XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. Also 42 USC 408 Asking for any Social security number on any loan is fraud and a violation of RICO 15 USC 1666b there is no such thing as late payments and I personally can name several others as well like we are the credit and the debt. I would honestly respect if you all respect the law...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: NY

Complaint narrative:
I did not give expressed written consent to or authorized any third party consumer reporting agency to furnish data on the following accounts and I have the right to privacy. Please be reminded, no consent is identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I've requested that the company send me a letter giving permission to report this to my credit profile according to pursuant 10 15 USC 1681-C 2 and they have failed to so. I demand that these accounts be removed promptly from my credit profile within 4 business days. Thank you for your timely compliance.

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 2024-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
My student loans through Nelnet are reporting inaccurate information and according to the fair lending act, I deserve my reports to report accurate and factual information. Nelnet has inaccurately added derogatory information to my report causing a significant decline in my credit report having a domino effect for my family and I. I am requesting Nelnet to update the reporting and remove any and all derogatory remarks on my credit report causing the decline of my overall credit score swiftly and expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have been trying to fix my problems with the agencies for a long time and because they have continued to misreport information I am now having to take the legal route. Over and over again the agencies have constantly and continuously reported false information and items without knowledge of their correctness or my permission, so I am now having to take accelerated 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 2024-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: COMMERCE BANK
State: KS

Complaint narrative:
While trying to pay off an auto loan over the phone on XX/XX/23, Commerce Bank erroneously charged a payment for {$10000.00} to a checking account of mine rather than the account the payment was supposed to be charged to. This resulted in my checking account being overdrawn and being charged a {$32.00} returned payment fee, followed by a {$32.00} stop-pay fee initiated through the bank I have my checking account with after I saw the {$10000.00} payment was trying to go through again. 

I have already called Commerce Bank numerous times, after which I was told they would look into it and report back to me. I have also emailed them a full description of this incident, and never received a single response back. It has now been over XXXX weeks, and I have heard absolutely nothing from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have been a loyal customer of PayPal since XXXX. I have used this service to transfer money in the past. A long time ago, I entered my debit card number to PayPal for payment of any charges I incurred. However, at least XXXX months ago, I stopped using this debit card ending in XXXX. 

Despite numerous attempts to contact PayPal so I can remove this inactive card and replace it with another debit card number, PayPal has so far refused to respond. They have limited my account for months now rendering the account useless. PayPal 's automated system refuses to allow me to change my card. It demands that I confirm the XXXX card to end the limitations. I will not confirm a dead card! This problem is caused in large part by PayPal 's complete refusal to provide a customer service human to help me solve this problem. 

I have grown tired of this situation. I've contacted PayPal numerous times online to tell their chatbot to immediately close my account. This company has made itself irrelevant by refusing to contact anyone and force everyone into automated systems that do not work. The customer service at PayPal is worthless!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 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: MD

Complaint narrative:
I am writing to dispute several hard inquiries ( 2 total ) that appear on my Transunion credit report. These inquiries are unverifi ed, and I did notauthorize any of them. As such, I request that they be removed from my credit report immediately, in accordance with my rights uner the Fair CreditReporting Act. 
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 2024-02-14 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: LEXISNEXIS
State: AL

Complaint narrative:
I SENT SEVERAL COMPLAINTS FOR XXXX XXXX REGARDING THE INFORMATION BEING REPORTED WITHOUT ANY CONCENT EVEN I GOT LETTER FROM COURT THAT THEY ARE NOT REPORTING IT SO HOW THEY CAN REPORT THIS INFORMATION.THATS EXTREMELY UNLAW FULL AND THEY ARE HARMING MY FINANCIAL LIFE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I bought a visa Vanilla card at XXXX in XXXX California. It was XXXX card for a family member birthday. She went to use it and it was invalid. It turns out some of the numbers on the card number were scratched off. I gave XXXX the authorization receipt, purchase receipt, copy of the card and everything else they needed. I can't get a time or date when the money will be refunded to me. It was a card that had been tampered with. 
It was bought on XX/XX/2023. 

The card is serviced by XXXX licensed by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Corp Solutions Inc.
State: GA

Complaint narrative:
Around XXXX XXXX, Credit Corp Solution bought a debt account from XXXX XXXX and without any proof, they decided to insert this same account on my credit report with the same account number as XXXX XXXX  XXXX Without any real proof of verification or validation of this debt, XXXX allowed Credit Corp to add this account to my consumer report. 

XXXX keeps claiming they verified this account as accurate, but never provided me with any documentation. I never had a contract with Credit Corp Solutions so how can you insert this account on my credit report ( sounds like this is identity theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: TX

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.

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 2024-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Hyundai Motor Finance has been really been amazing with me in all my XXXX purchases until I received an email from their Billing Department ... XXXXand this is what it says : XXXX XXXX your payment is now past due. 
XXXX XXXX for To review your most up to date balance, please log-in to your account at XXXX or click on the " Pay Now '' link below. 
Total : {$280.00}, due XX/XX/XXXX Total amount due {$280.00} Due date XX/XX/XXXX Issuer To review your most up to date balance, please log-in to your account at hmfusa.com or click on the " Pay Now '' link below. 
Account number XXXX Please help as their XXXX Consumer Affairs is absolutely not responding to my complaint. Proof of my payments is attached.

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 2024-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Closed. {$1100.00} written off. 
Status updated XXXX XXXX Highest balance {$1100.00} Monthly payment {$0.00} Last payment date XXXX XXXX XXXX I went to court about this account and I paid {$1300.00} in a result of this account. It was supposed to be removed from my credit file years ago. And the company refuses to remove it from my file.

Company response to consumer: Closed with explanation