vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-19 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: IN

Complaint narrative:
Consumer Statement Of Dispute On XX/XX/2023, I requested to Experian credit bureau to provide me a copy of the reinvestigation process procedure. I have requested the business name, telephone, company address, documents of disclosure who Experian contacted, what information was transmitted and the individual name who helped Experian verified the accuracy and completeness of the disputed accounts of the reinvestigation process. I called Experian several times and still, I have been ignored again. Which is a violation of my rights under Section 609, 610, 611, 623 and 15 USC 1681i. The credit bureaus are supposed to impartial. It's not happening. If the furnushers can not verify 100 percent accuracy, by FCRA and FDCPA law, the Credit bureaus SHALL remove disputed accounts immediately. Experian is not adhering to the Federal laws and they are in violation of my rights as a consumer. I have sent in police reports and many documents to Experian. I will not be ignored and harassed and belittled by any representative of any company. Another violation of my rights as a consumer. 
Sincerely, 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 2023-11-19 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: MD

Complaint narrative:
TransUnion has been reporting inaccurate accounts on my consumer report XXXX XXXX XXXX ( I sent a letter in from the manager about this account isn't suppose to be on my report ). XXXX XXXX, XXXX, XXXX XXXX XXXX. TransUnion has admitted that they have received all of the documentation but has yet to remove these accounts from my consumer file. I have enclosed a copy of my FTC report as well

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 2023-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I spoke with someone from the the original phone number that told me to call to make a payment to settle my collection and when I called they told me I can not do anything through them I would have to contact the law firm in which my collections went to. When I asked if thag was the case why am I constantly getting spam calls and voicemail left from you guys then and not the firm that is the one in charge of the collection if you guys are not they told me they had no answer. So I asked them to stop contacting me and to have the law firm get in touch with me or for a way to contact them. They told me I could only do it through online and I told them they need to have someone speak to me directly or I will not be making any payment on the collection especially when it is so outdated and incorrect. Due to the fact that it sounded very inconsistent and weary. My phone brings up their number as spam calls and so I did not trust who I was even speaking to and they asked for my social etc. And yet they would not give me the information as to where I am supposed to even pay a debt collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I submitted this dispute on XX/XX/XXXX of 2022 with the XXXX XXXX XXXX  and despite having a valid reason to remove this from my credit as minimal things like this have affected my life and chances of being able to do things needed to be done to move forward in my life at my age. I tried everything and the company refused to remove this from my report, so this was my last resort even though I did not want to take it this far and Im hopeful your organization will be able to get this settled so I can put an end to this constant worry and issue that shouldve been resolved a long time ago, I appreciate your kindness and helping this regard and please reach out if any more information is needed

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 2023-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/2023, I received a phone call from a Navy Federal Credit Union Representative. He stated his name and began to talk to me about me about my checking account being 51 days past due and that it is on a freeze/hold until they receive a payment. I asked him are you calling to collect a debt? He said yes but never disclosed the reason for his call. He stated that they have tried to contact me multiple times and when I asked him about the dates they tried to contact me, he only stated 2 dates ( XXXX and XXXX ). He was the 5th representative that I have spoken to about this matter. I asked XXXX did they receive my deposit voucher? He stated that he did not see it in his notes. I said I have the green slip receipt stating that your company received it on XXXX and I explained that this debt is supposed to be discharged due to the tender of payment that was refused on XXXX and I wanted to know why was my account credited {$160.00}? He said it was an courtesy credit but it does not give a specific reason why. I said it was due to the Notice of Rescission that I submitted on XXXX ( Confirmation # XXXX ) I then asked his is Navy Federal Credit Union with the Truth in Lending Act and said yes angrily and asked me did I want him to hang up on me? I stated that he called me and I wanted my questions answered and that I was recording the conversation as well. He hung up on me. As I done my research, Navy Federal representatives have called me about the same matter on XXXX at XXXX, XXXX at XXXX, XXXX at XXXX and XXXX, XXXX at XXXX and XXXX, XXXX at XXXX and XXXX at XXXX from multiple navy federal credit union numbers and no one has disclosed that they are calling to collect a debt. I have recorded most of these calls because I stated each time that I wanted my account to be in good standing due to the fact that my children 's accounts are under my account as well and they still have money in their accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I was unfamiliar with online banking and checking my account. I was shown by my daughter how to check it just recently after my money was practically all gone or strange charges from places u have never had an account or done business with. I went in to the bank and was told I had to wait for an appointment to go over the charges. Or to just call in and they gave me a print out so I could call and tell them what charges were fraudulent. I had started using my XXXXXXXX XXXX and XXXX  so I didnt have to use the physical card. I was worried about XXXX  numbers being copied while at the drive thru and places like that. So I had my daughter show me how to use the digital wallet. I noticed there was a lot of XXXX charges and I dont have an XXXX and never have. I also dont have an XXXX account and havent had one for years and that account was closed in good standing : so ther was no reason they should charge me for anything. The first women was very rude when I reported the charges asking if the charges just magically appeared out of thin air? Well yes they were fraudulent charges I dont know where they came from. I also had many charges to XXXX XXXX and XXXX. Also businesses i have never used.any of those companies. I also made a police report over these charges. I have gone 3 months without enough money to even pay my insurance or business license or condo fees. I was told the money would be put back in my account and dont worry he said may e they wouldnt be able to recover anything more than 90! days old but the other would be put back no problem.i honestly dont know who used my card. I noticed it missing from my wallet and reported it as soon as I died. I had been using my digital wallet or had gone to the bank to withdraw my money so I dont know how long my card was gone for. I told them all this and waited patiently for a credit they said they would put in and nothing and not even an explanation. I dont understand how they promise to protect my account when they dont. If they investigated really they would know I didnt make the charges. Im in my XXXX and I feel taken advantage of and robbed from.

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 2023-11-19 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2023-11-19 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I submitted this dispute on XX/XX/XXXX of 2022 with the Midland credit management and despite having a valid reason to remove this from my credit as minimal things like this have affected my life and chances of being able to do things needed to be done to move forward in my life at my age. I tried everything and the company refused to remove this from my report, so this was my last resort even though I did not want to take it this far and Im hopeful your organization will be able to get this settled so I can put an end to this constant worry and issue that shouldve been resolved a long time ago, I appreciate your kindness and helping this regard and please reach out if any more information is needed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX regarding a matter that has significantly impacted my financial standing. I appreciate your attention to this issue and seek your assistance in resolving the situation. 

On XX/XX/2023, I accepted the payment presented by XXXX XXXX, considering it as an implicit agreement to the terms presented. I have evidence that I sent a second notice to XXXX XXXX on XX/XX/2023 seeking clarification, resolution and an opportunity to cure this matter. On XX/XX/2023 I sent a notice of dishonor and estoppel which I have all three letters and return receipts proving that XXXX XXXX received my correspondence. Unfortunately, I have not received any response from XXXX XXXX, leading me to believe that they have accepted the terms outlined in my letter. 

Despite this tacit agreement, I am now facing adverse actions from XXXX XXXX, particularly in their attempt to negatively impact my credit score. I find this action to be unjust and in violation of the understanding I had assumed through the acceptance of their payment. 

At your request I will provide copies of the relevant documents, including my letters to XXXX XXXX and any correspondence I have received from them. I kindly request that you investigate this matter thoroughly and take appropriate action to remedy the situation. 

I trust that the Consumer Financial Protection Bureau will act diligently to ensure fair and just resolution in this case. Please keep me informed about the progress of your investigation and any steps taken to address my concerns. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX regarding a matter that has significantly impacted my financial standing. I appreciate your attention to this issue and seek your assistance in resolving the situation. 

On XX/XX/2023, I accepted the payment presented by XXXX XXXX, considering it as an implicit agreement to the terms presented. I have evidence that I sent a second notice to XXXX XXXX on XX/XX/2023 seeking clarification, resolution and an opportunity to cure this matter. On XX/XX/2023 I sent a notice of dishonor and estoppel which I have all three letters and return receipts proving that XXXX XXXX received my correspondence. Unfortunately, I have not received any response from XXXX XXXX, leading me to believe that they have accepted the terms outlined in my letter. 

Despite this tacit agreement, I am now facing adverse actions from XXXX XXXX, particularly in their attempt to negatively impact my credit score. I find this action to be unjust and in violation of the understanding I had assumed through the acceptance of their payment. 

At your request I will provide copies of the relevant documents, including my letters to XXXX XXXX and any correspondence I have received from them. I kindly request that you investigate this matter thoroughly and take appropriate action to remedy the situation. 

I trust that the Consumer Financial Protection Bureau will act diligently to ensure fair and just resolution in this case. Please keep me informed about the progress of your investigation and any steps taken to address my concerns. 

Thank you for your attention to this matter. 

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 explanation
Consumer complaint received 2023-11-19 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:
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 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Nelnet is falsely accusing me of borrowing {$3400.00}. I never received any loan money. This account is fraudulent, it is a SCAM. I do not owe NELNET {$3400.00}. It must be removed from my credit report. These are fraudulent charges. I never received any loan money to pay for books or transportation. I payed for books OUT OF POCKET. THIS IS A SCAM. NELNET and the Federal Goverment are Financially discriminating on me because I am XXXX XXXX. I will not pay the Goverment these fraudulent loans. They are scam artists and this account is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 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: 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19 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: 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.

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 2023-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This company has continued to violate my consumer rights by reporting inaccurate information to the credit bureau about and account that is not even mine nor have signed and documents with this company but they continue to harass me. Down below I have documents an proof for violations

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 2023-11-19 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: SC

Complaint narrative:
Today, XXXX XX/XX/2023, I received multiple credit alerts that XXXX XXXX XXXX made a " hard inquiry '' on my Experian credit report. This is the second fraudulent " hard inquiry '' from XXXX in less than a month. 

I called XXXX XXXX XXXXXXXX XXXX. XXXX was unable to help me. 

I attempted to file a dispute with Experian. I was told by the agent that I have to call the fraud department and that it will not be open until tomorrow. I will call them tomorrow and attempt to report the 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