vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
XX/XX/2023 my certified letter responding to the debt within the 30 days time frame went unanswered. In this letter I requested proof of debt, itemized breakdown, any attempts previously made to collect the debt. I also requested that all correspondence be done by mail or email. 

XX/XX/2023 I called and asked if my letter was received. They said it had not been although it was signed for. I verbally requested items outlined above. 

XX/XX/XXXX a second call was made in which I was transferred to management and they attempted to get me to talk about the letter. I stated again all correspondence will be done by mail and asked for the items outlined above. 

XX/XX/XXXX I called again to request the items outlined above. I do not have high hopes I will receive anything.

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 2024-01-18 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: TN

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-01-19 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: VA

Complaint narrative:
My account with this company was never authorized with my express written or verbal consent to report any adverse information in relation to credit card with them. Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal and non-verbal per 15 USC 6802 to report any adverse information in relation to my account. That includes balance information and missed payments. Please also see this code for the penalties associated with not respecting my request to opt out of the reporting of adverse information. Please also refer to 20 USC 1232g ( b ) on student rights pertaining to privacy. the reporting of my balance and payment information relevant to my student loan accounts is a violation of my privacy which 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 non-monetary relief
Consumer complaint received 2024-01-19 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:
My account with this company was never authorized with my express written or verbal consent to report any adverse information in relation to credit card with them. Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal and non-verbal per 15 USC 6802 to report any adverse information in relation to my account. That includes balance information and missed payments. Please also see this code for the penalties associated with not respecting my request to opt out of the reporting of adverse information. Please also refer to 20 USC 1232g ( b ) on student rights pertaining to privacy. the reporting of my balance and payment information relevant to my student loan accounts is a violation of my privacy which I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: VA

Complaint narrative:
My account with this company was never authorized with my express written or verbal consent to report any adverse information in relation to credit card with them. Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal and non-verbal per 15 USC 6802 to report any adverse information in relation to my account. That includes balance information and missed payments. Please also see this code for the penalties associated with not respecting my request to opt out of the reporting of adverse information. Please also refer to 20 USC 1232g ( b ) on XXXX  rights pertaining to privacy. the reporting of my balance and payment information relevant to my XXXX  loan accounts is a violation of my privacy which 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 2024-01-19 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to bring to your attention a matter of great concern regarding an alleged debt reported on my credit report by XXXX, account number XXXX. I am seeking your assistance in resolving this issue as I believe there have been unjust activities surrounding this debt. 
To provide some context, I had no prior knowledge or association with XXXX before discovering the presence of this debt on my credit report. I did not receive any written notices, phone calls, or emails from them regarding the alleged debt. Furthermore, I have an open case with my legal tenant and owner lawyer concerning my previous residence, which was resolved when I moved out. 
The apartment complex in question has been less than forthcoming about the details of the situation. They have inaccurately reported when the next tenant moved in, which, according to legal standards, would have relieved me of any further responsibilities. Upon learning about the unexpected bill from XXXX, not the one currently on my credit report, I was shocked. 
It's important to note that there were discrepancies in the bill itself. Initially, I was presented with a bill amounting to {$10000.00}. However, after providing evidence, including legal multiple mail proofs demonstrating that a tenant had moved in during XXXX, the leasing office acknowledged my correctness. I firmly believe that I do not owe any money to XXXX or any other entity associated with this debt. 
To address this matter, I have retained the services of an attorney to assist in rectifying what appears to be an unlawful act. The reported account is factually incorrect, as I never engaged in any business dealings with XXXX. Furthermore, I was never served any notice of this alleged debt, violating my rights as a consumer. 
I kindly request your assistance in investigating and rectifying this situation promptly. I believe that my rights as a consumer have been violated, and the inaccurate reporting is adversely affecting my credit score. I am attaching relevant documents, including proof of the resolved case with the apartment complex and evidence of the tenant 's move-in date. 
Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will help ensure a fair resolution.

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 2024-01-19 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: CA

Complaint narrative:
I've started sending out letters to Transunion, XXXX, and XXXX to review inaccurate information on my credit file since XX/XX/. I've went to simply asking to verify the account, to intending to file a complaint. I've just about had it and I need these items to be investigated 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 2024-01-19 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: CA

Complaint narrative:
I've started sending out letters to XXXX, XXXX, and Equifax to review inaccurate information on my credit file since XX/XX/. I've went to simply asking to verify the account, to intending to file a complaint. I've just about had it and I need these items to be investigated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XXXX I deposited XXXX checks payable to my XXXX from the US Treasury in the amounts of {$63000.00}, {$63000.00}, {$36000.00}. At which time I was told they would be delayed til XX/XX/XXXX. On XX/XX/XXXX I was informed they would be holding my funds longer. Then I was notified they were closing my account and the fund would be sent out to me in form of a Cashiers check. I never received the cashiers check when I called them they said they was holding the fund for investigation and to contact the US Treasury.

I called the IRS and US Treasury and was informed the check was cashed and there was no issue on their end involving the funds and that Bank of America had received the funds and there was nothing further they could assist me with.

I have been trying to get Bank of America to release my funds and send the cashiers check.

I had already provided them the business license from the City showing the XXXX. 

I will be attaching copies of the letters I got from my last complaint, IRS Transcripts, Copies of the checks deposited.

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 2024-01-19 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: CA

Complaint narrative:
This complaint is not sent in error. My credit report has some false and not 100 % accurate accounts. This inaccurate information is affecting my auto insurance rates to be higher than they should be. 

Desired Resolution : I need you to address this immediately and delete these inaccurate accounts off my report. I am not going to be paying higher insurance rates because of what you are reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: FL

Complaint narrative:
I am XXXX and run a XXXX XXXX. I provided the documents required to open my account with US Bank but was told they were not legible. I was asked to resubmit them at least 5 or 6 times. I submitted them each time I was asked, but they kept looking at the first documents I submitted and telling me they were not legible. Because I am XXXX and permanently XXXX, I have some challenges with my handwriting, which I repeatedly explained and asked for assistance and if they have an XXXX XXXX. One person joked about my XXXX and asked me what my XXXX was and told me I just needed to write the form better and that it wasn't their problem that I couldn't write it better. She hung up on me and then she actually picked up the phone and laughed at me when I called back. I repeatedly explained that I would like assistance and was finally told by a XXXX they had an editable version of the form, but that the issue was rectified so I didn't need to complete it. After this, my account was closed - backdated to XX/XX/XXXX. The reason noted in the letter I received about my account being closed on XX/XX/XXXX, ( dated XX/XX/XXXX - showing my account closing effective for XX/XX/XXXX ) was that they had been trying to reach me by phone, email and mail - even though I had been assured on multiple occasions that the issue had been resolved as recent as an email I received on XX/XX/XXXX - confirming my account is active and open as of that date.

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 2024-01-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 


DATE COMPANY ADDRESS REQUEST ORIGINATOR 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: CA

Complaint narrative:
VENMO appears to have issues with their verification process on their end ; it looks like corporate fraud if I didn't know better. I have supplied extensive documents pertaining to identification, my business documents, client transactions, banking statements, personals, etc. Everything is valid and up to date. Despite all this, VENMO still is not allowing me to add my valid bank account details and has abruptly and permanently disabled my account. There is no explanation. There is no appeal process. There is no one to discuss the matter. VENMO simply cites their user agreement and ends any discourse. How can a company deny extensive valid documentations and unjustly steal my money?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I called American Express today asking for information regarding the charges on the account. I wanted to know what the charges are and the amount. American Express is refusing to give me any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: MI

Complaint narrative:
Nelnet continues to make it impossible for me to pay my student loans. This is my second complaint filed with the CFPB. After " resolving my compliant '' by removing the administrative forbearance from my account and fixing my auto-debit to finally pull on XX/XX/2024 per the resolution documents they submitted to the CFPB they immediately went right back into my account and put my loans into administrative forbearance again. My auto-debit did not pull and now my account shows my next payment due date is XX/XX/2024. I have provided screenshots of emails with dates and time stamps proving what they did and when they did it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
This is my final communication regarding your claim that the information below has been verified and that the information being reported is accurate. You are clearly furnishing inaccurate information for the " date last active '. I have already informed your company of this error and you have yet to remedy this. In the dispute letter dated XXXX, I asked for proof of the alleged debt, the forward flow agreement, the license to collect debt in the state of Texas, and the 1099c. You failed to provide anything with my signature regarding this alleged debt owed to your company and RENTDEBT AUTOMATED COL re-aged account XXXX. Re-aging is when a debt collector changes the date of last activity on a debt to a more recent date than is accurate. I will include a copy of my credit report to show the inconsistent dates. I have already given you a chance to fix this now I am demanding that the account is deleted from my credit report due to illegal reporting. Disputing a debt is not considered activity on the account. Falsifying account information like this is a violation of the Fair Credit Reporting Act. If this account is not removed within 14 days, I will seek the possibility of hiring a consumer attorney. I'm quite sure your CEO OR VP don't want to be in court for this matter. Any US Code in the FDCPA that any corporation violates the consumer is entitled to actual damages and monetary damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: CORELOGIC INC
State: SC

Complaint narrative:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED

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 2024-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Allied Collection Services, Inc. (Nevada)
State: CA

Complaint narrative:
On XXXX at XXXXXXXX XXXX A debt collector from ALLIED COLLECTION SERVICE called me but the phone call got cut off so he called from another phone number which is XXXX ( XXXX ) XXXX at XXXX I answered and he instantly said " you need to pay your debt '' and didn't even say who it was I assumed it was someone else since it was a different number than the first one. I asked who it was and he said " you know who this is! " in a yelling tone and I said " excuse me? '' and he said " you need to legally pay for your debts '' and I responded " excuse me you need to watch the way you are speaking to me '' and he said " I do not need to watch anything '', so I ended the call! At XXXX He Called me once more and said ok since you don't want to pay we are going to continue to add more fee to your bill and I said ok and hung up again '' I believe you guys record the conversations when they call to collect a debt so please have the company review the conversation because that is no way to talk to someone especially on the job!

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 2024-01-19 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 confidentialit

y 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 non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: GA

Complaint narrative:
HUNTER WARFIELD INC XXXX XXXX  is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$29000.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: NC

Complaint narrative:
I was under the impression that these accounts would be deleted yet they remain on my report as write off or closed but I demand this be removed from all the agencies given the fact this was done without my consent

Company response to consumer: Closed with non-monetary relief