vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CBK, Inc.
State: KS

Complaint narrative:
On XX/XX/XXXX, I checked the XXXX XXXXXXXX XXXX for my name. A debt attempting to be collected by XXXX XXXX is on the XXXX XXXX. I have no idea who this company is nor the debt they are allegeding that I owe them. XXXX XXXX has never notified me of this alleged debt as required by federal law. 

XXXX XXXX XXXX, it entered XX/XX/XXXX for {$170.00}. 

Per the XXXX XXXXXXXX XXXX, " to assure due process, setoff statutes require that the debtor be given the opportunity to appeal the validity of the debt. The debtor initially has the right to appeal the debt amount within 15 days from the date of the notice of intent letter. If an appeal is received within 15 days, further XXXX  procedures are delayed until the dispute is resolved. If the XXXX XXXX receives an appeal request from the debtor, the XXXX XXXX will acknowledge the debtor and will notify the creditor agency and request that the creditor agency and debtor try to resolve the dispute. If the dispute can not be resolved, the matter is scheduled for a formal hearing. '' The XXXX XXXXXXXX program nor the collection agency never sent me at any form of written communication regarding this debt, including a " notice of intent '' letter. 

This collection agency and the XXXX XXXX program are in violation of federal laws and their own ordinances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
in accordance with the fair credit reporting act, Destiny Mastercard Account # ending in XXXX, has violated my privacy rights. 15 USC 1681 Section 602 States that I have the right to privacy according to the Privacy Act of 1974. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish Transaction history or private information from an account without written instructions or written consent. 15USC 1666B : A creditor may not treat a payment on a credit card account under any open-end consumer credit plan as late for on purpose. 
16CFR 313 Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; which I never received an opt out notice, or any disclosure of that nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: CA

Complaint narrative:
I am currently a XXXX XXXX  who has outstanding loans from XXXX XXXX XXXX XXXX All of these loans were recently transferred from Great Lakes to NelNet, which is when my issues started. I submitted an Income XXXX XXXX XXXX Application in XXXX in anticipation of the loan payments starting, and I was approved for the XXXX Plan at that time. I was placed in forebearance until XX/XX/2024, and had no issues at that time. The XXXX XXXX was to be transitioned to XXXX, but this was not updated on the NelNet system. Now, I was autodebited {$1300.00}, when my monthly payments on the XXXX plan should be calculated at {$93.00} per the XXXX calculator. I have tried to reach out to NelNet, who have proven to be unreachable. I work XXXX hours a week, and have been on hold for multiple hours every time I try to reach someone through the phone. It seems countless other people have had these issues, and I can not afford the current $ XXXX payments they are charging me, which do not even fall in a normal IDR plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
An associate at XXXX XXXX scanned my driver 's license by error and the information was used for a Transunion hard credit inquiry that I did not authorize. I tried to resolve the error with both XXXX XXXX and Transunion. However, I was informed that I had to file a complaint here to take the inquiry off 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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I respectfully ask that you conduct a comprehensive investigation into this matter, recognize the mistake, and expeditiously correct it by removing the unauthorized inquiry from my credit report. Your immediate attention and resolution of this issue are highly valued and appreciated.

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 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please review the attached documents. I am asking the bureau to commence an investigation into these accounts, as I am never late, yet they inaccurately report me as such.

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 2024-01-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: WI

Complaint narrative:
On XX/XX/XXXX this company report a {$2000.00} balance.This companys are reporting that I owe them those balances. I need the audit trial of the balance. Also I need them to provide me with the agreement that grants them to collect this allege debt. Also provide with the master bill of sale

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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2024-01-03 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: VA

Complaint narrative:
Equifax abused consumer reports & abused the internet as a free utility to send disputes that make no sense instead of helping the consumer resolve them virtually without having to send ANY letters

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I just obtained a copy of my credit reports and it shows unauthorized and fraudulent inquiries. 

Please see the copy of my dispute letters attached on this complaint The said inquiries are still showing on my credit report and it seems Bureau is ignoring my concern

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 2024-01-03 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: GA

Complaint narrative:
I just obtained a copy of my credit reports and it shows unauthorized and fraudulent inquiries. 

Please see the copy of my dispute letters attached on this complaint The said inquiries are still showing on my credit report and it seems Bureau is ignoring my concern

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 2024-01-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have a Navy Federal Savings Account XXXX which I have received monthly statements as well as their own website which shows an available balance of over {$1000.00} but when I went into the branch today to withdraw my money I was told the account has been closed for a long time and that I am incorrect this is simply impossible the most recent statement which the bank mailed to me is dated XX/XX/ so I am not sure what the bank is trying to pull here but I demand my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-03 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: NJ

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the method of verification to show that the full ownership of this account. I have never done business with such a company. I am requesting this account to be deleted and block from 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 2024-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc.
State: CA

Complaint narrative:
I was subscribed to the XXXX XXXX, a newspaper in XXXX California. I canceled my subscription. The XXXX XXXX did not cancel my subscription. They then transferred or sold a debt that is not owed to ARM Solutions, a debt collector. ARM Solution continues to call me and I have informed them that I canceled my subscription. 

I don't see how it is right for a company to charge for a service that I did not agree to and refused, then sell a made-up debt to a company that is now calling me for the debt that I do not owe. I like to support local newspapers, but this practice is abhorrent. I am afraid ARM Solutions will try to ding my credit score based on this bogus debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Attached is the names and addresses that are incorrect. The dates are also included, everything that is highlighted is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Attached is the names and addresses that are incorrect. The dates are also included, everything that is highlighted is incorrect.

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 2024-01-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I made two payments to mechanics auto finance within 2 hours and asked Capitol One to stop one of them. The payment XXXX for XXXX. They could not stop it, they instructed me to ask to merchant to send it back. I DID call the merchant. They can not return. Then Cap 1 asked me to dispute transaction. I said I dispute your process. I want my money back. I still have money but my car payment is good for 2 months. Help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NATIONAL DEBT RELIEF LLC
State: NY

Complaint narrative:
I received an email from XXXX. email copy and pasted, Dear XXXX XXXX, We are contacting you regarding File No : XXXX, which has a total balance at placement of {$3600.00} and is currently with XXXX Despite our attempts to contact you on your phone number, XXXX, regarding these debts, we have not received a response from you. As a result, XXXX XXXX XXXX has marked this file as a flat refusal to pay and has sold the account to our office for collection by legal means. 
If you do not respond to this notification, legal action will be taken against you, and the charges will amount to {$11000.00}. We urge you to respond with your intentions in order to resolve this matter and avoid further proceedings.

We offer several repayment options to settle your debt, including : - Option 1 : XXXX  months of {$180.00} - Option 2 : XXXX  months of {$220.00} ( saving {$220.00} ) - Option 3 : XXXX  months of {$310.00} ( saving {$500.00} ) - Option 4 : XXXX  months of {$470.00} ( saving {$750.00} ) - Option 5 : XXXX payment of {$2600.00} ( saving {$1000.00} ) Please let us know which option you prefer by today to avoid legal action. This is your last and final chance to settle this file.

Thank you for your attention to this matter. 

Sincerely, National Debt Relief, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | FDCPA Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Confidentiality Statement & Notice : This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521, and intended only for the use of the individual or entity to which it is addressed. 
Any unauthorized review, retransmission, dissemination, or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the sender and permanently delete this message.

Copyright 2021 National Debt Relief | Privacy | Terms of use | Carrier. 
I am unaware of XXXX or any loans by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a concerning issue I recently discovered while reviewing my credit report. After a thorough examination, I identified multiple companies listed on my report with which I have never conducted any business. The existence of these unauthorized entries raises serious concerns about the possibility of identity theft. 

Enclosed, please find a detailed list of the companies in question and a copy of my identification for the purpose of verifying my identity. Additionally, I want to inform you that I have already filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft incident. 

Given the urgency of this matter and its potential impact on my financial well-being, I kindly request your prompt assistance in resolving this issue. I have taken all necessary steps to report the identity theft, and I am now seeking your help in expeditiously removing these fraudulent accounts from my credit report. 

Your attention to this matter is greatly appreciated, and I believe your involvement will contribute to a swift resolution. If you require any further information, please do not hesitate to contact me at the provided email address or phone number. 

Thank you for your time and consideration. 

Sincerely, 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 2024-01-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
The landlord, XXXX XXXX XXXXXXXX XXXX, committed multiple violations of XXXX  tenant law under XXXX XXXX ( A ), XXXX ( D ) and XXXX ( C ) including breaches of their duty to mitigate damages and to provide an itemized list of damages within 30 days of a written request. Under the law, not only is XXXX not entitled to anything, but as the tenant I am entitled to twice the wrongfully withheld amount. 

I was present at the move out inspection in which I was explicitly told there were NO damages. Then, after move out, they have attempted to collect almost {$1000.00} in unspecified damages with photos of the apartment prior to being cleaned. This is a blatant violation of the law. It has been many months and there is still no itemized list. 

The wrongful charges were formally disputed in writing with XXXX on XX/XX/XXXX and confirmation of receipt was received by email that same day. I reached out again, in writing, on XX/XX/XXXX which was confirmed received on XX/XX/XXXX. On XX/XX/XXXX I received a message that the property had been contacted but no response had been received from them, already more than 30 days after my request for an itemized list of alleged damages. I reached out again on XX/XX/XXXX which was confirmed as received on XX/XX/XXXX. I was told a full response would be sent in XXXX business days but it wasnt. I did not hear from them until hearing from a collections company instead, Genesis, on XX/XX/XXXX. 

I sent a dispute of the debt to Genesis as well on XX/XX/XXXX which was confirmed as received that same day. I was contacted again by Genesis on XX/XX/XXXX with the same insufficient documents that I had seen in the Crestone portal. I sent them a second dispute, similar to the first, with the relevant law and decided to report them for their attempts to collect an illegal and unowed debt. Debt collectors can not place a negative record on a persons credit without justification or attempt to collect unjustified debts formally disputed with the source. This should never have been forwarded to a debt collector in the first place and is an urgent issue that must be resolved appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Upon reviewing my credit report I was devastated to find a number of errors on my report. This has absolutely enraged me as I am looking to get and build credit and this gross misrepresentation of my credit is inhibiting me from being able to do so and in turn effecting my day to day life. My interest rates have skyrocketed and this is having a dismal effect on my life and ability to purchase necessities for myself and family

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 2024-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Premier Auto Credit
State: CA

Complaint narrative:
In accordance with the fair credit Reporting act PREMIER AUTO CREDIT Account XXXX, has violated my rights. 

15 USC 1681 Section 602 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 an account without my written instructions.

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

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Refer to the attached documents. I request the bureau to initiate an investigation into these accounts, as I am consistently on time with payments, yet they are erroneously reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Ive received almost ten of these harassing letters as well as phone calls last letter Ive received was XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX These names above have been reported to my credit report and I have no relations with these names

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