vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelnet, Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), a crucial legislative framework established to safeguard the rights of American consumers concerning credit reporting, I hereby initiate a formal dispute regarding the following account : Account Details : Account Name : DEPT OF ED/XXXX Account Number : XXXX Original Creditor : - Company Sold : - Date of Account Opening XXXX XXXX XXXX XXXX  Open/Closed Status : Closed Status Update : XX/XX/ Account Type : Installment Status : Pays account as agreed Balance : {$2300.00} Balance Update : XXXX XXXX XXXX  Original Balance : {$2300.00} Past Due Amount : {$0.00} Responsibility : Individual Account Upon reviewing the reported information, I have identified discrepancies and concerns related to the status and payment history of this account. Specifically, the reported " Pays account as agreed '' status and the characterization of an " Unknown payment history '' are inconsistent with my understanding of the account 's financial activity. Furthermore, the reported balance and original balance do not align accurately based on the account 's reported status. 

I wish to emphasize the significance of the FCRA, specifically the following sections : 15 U.S.C 1681 Section 602 A : This section underscores my right to privacy and the importance of accurate credit reporting. 
15 U.S.C 1681 Section 604 A Section 2 : This provision establishes that a consumer reporting agency can not furnish an account without obtaining my written instructions. 
15 U.S.C 1692C : This clause emphasizes the requirement of my prior consent for any communication from a debt collector. 
In light of these legal mandates and the inconsistencies present in the account reporting, I formally request a comprehensive investigation into this matter. I expect XXXX to diligently address the disparities, rectify the inaccuracies, and ensure the reporting is consistent with the principles laid out in the FCRA. 

Furthermore, I assert my right to cease all communication tactics related to this account. I anticipate no further communication attempts from any involved parties, including debt collectors. 

Your prompt attention to and resolution of this dispute are highly anticipated. I trust in your dedicated efforts to address this issue and uphold accurate and equitable credit reporting. Thank you for your cooperation and dedication to the fundamental principles of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, 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: OH

Complaint narrative:
I have unverified accounts listed on my credit reports I had previously disputed this account. I have never done business with these companies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that I be provided verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request a Cease and Desist of all further communications and collection activities and provide the verification of the purported debt for the following : 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 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 2023-08-14 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: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), a fundamental legislative framework established to protect the rights of American consumers with regard to credit reporting, I hereby initiate a formal dispute concerning the following account : Account Details : Account Name : XXXX XXXX Account Number : XXXX Original Creditor : - Company Sold : - Date of Account Opening : XX/XX/XXXX Open/Closed Status : Closed Status Update : XX/XX/XXXX Account Type : Revolving Status : Not more than two payments past due Balance : {$2300.00} Balance Update : XXXX XXXX XXXX Credit Limit : {$3000.00} Monthly Payment : {$52.00} Past Due Amount : {$52.00} Highest Balance : {$3100.00} Responsibility : Individual Account Upon reviewing the reported information, I have identified discrepancies and concerns related to the status of this account. Specifically, the reported " Not more than two payments past due '' status and associated late payments inaccurately represent my understanding of the account 's payment history. Furthermore, the reported balance and past due amount appear inconsistent with my knowledge of the account 's financial activity. 

I wish to emphasize the significance of the FCRA, particularly the following sections : 15 U.S.C 1681 Section 602 A : This section underscores my right to privacy and the importance of accurate credit reporting. 
15 U.S.C 1681 Section 604 A Section 2 : This provision establishes that a consumer reporting agency can not furnish an account without obtaining my written instructions. 
15 U.S.C 1692C : This clause emphasizes the requirement of my prior consent for any communication from a debt collector. 
In light of these legal mandates and the disparities noted in the account reporting, I formally request a thorough investigation into this matter. I expect Equifax to diligently address the discrepancies, rectify the inaccuracies, and ensure the reporting aligns with the principles stipulated in the FCRA. 

Furthermore, I assert my right to cease all communication tactics related to this account. I anticipate no further communication attempts from any parties involved, including debt collectors. 

Your swift attention to and resolution of this dispute are greatly valued. I anticipate your dedicated efforts in addressing this matter and upholding accurate and equitable credit reporting. Thank you for your cooperation and commitment to the fundamental tenets of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
This account on my credit report does not belongs to me and I have submitted my identity theft report that I was told to do

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
According to XXXX XXXX XXXX, Caine & Weaver is not authorized to collect debt. Therefore, they are operating illegally. 

After calling them to verify the debt, I was transferred three times providing each agent with my information, and they were unable to locate the debt anyway!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Access Receivables of NC Inc.
State: VA

Complaint narrative:
Access ID # XXXX Access Recievables Management po box XXXX XXXX, MD XXXX This company reached out to me about a proported tax debt from XXXX and XXXX in XXXX. I responded to them within the 30 day window with a letter informing them that I disputed their records, plus they were outside of the legal collections window in Virginia. They called my offce in XXXX, and I responded with a letter on the XXXX to stop and desist phone calls to my place of employment. I again asked for more information, and advised them of the debt window that was closed by VA state law. I asked for information within 30 days, or they needed to stop and desist all collection attemps. They again called my place of employment this morning. Our phone numbers are XXXX & XXXX. I can supply copies of both letters that I have sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have been dealing with US Bank fraud department for almost 60 days. I had a checking account fraudulently opened in XX/XX/2023. I have sent US Bank fraud department the documents with the police report number the name of the detective and his contact information. We are trying to get record copies on when the application was processed. My laptop was stolen during the time the application was done. I am trying to file charges against the person who had my laptop. I have received a letter from US Bank acknowledging the face that it was fraud. I have spoken several times with a manager of fraud XXXX was name given on XX/XX/2023. She explained that the detective would need to send an email to XXXX He has followed up with this and now the bank is stating that they need to get a warrant. Per the CFPB there is another option for myself to send an affidavit allowing the police department to get my records in order for us to prosecute. I contact fraud again Saturday and the gentleman tells me they do not have this type of form. He is actually trying to get me the information on when the application date and time was but once again I have to call them back. It takes forever to get to speak with anyone much less be transferred to several different people before actually getting the fraud department. I need help so that I can get the information to the detective that is working my case for the checking account that was opened without my consent. I get the run around when speaking with fraud. Please help me get the information 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 non-monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Westlake Services, LLC
State: TN

Complaint narrative:
I purchased a vehicle thru American Car Center in XX/XX/XXXX. They Bankrupt in XX/XX/XXXX and Westlae portfolio took over. I DO NOT have a signed contract with Westlake portfolio. I NEVER received a letter, phonecall or email regarding these changes with my contract. I had a Warranty with XXXX and Westlae dlclaims they do not honor the warranty. I paid out of pocket {$1100.00} for repairs when I shouldn't have. I paid a lawyer to send a letter to Westlake demanding my money and Westlake has YET to respond 2 months later. American Car center BREACHED everyone 's contracts and now we are all expected to be ok with this. I've paid out {$11000.00} for my vehicle already which is well over the XXXX XXXX  value for it. They have put so many people in a messed up situation and have been picking up vehicles even if they are paid up. I believe action should be taken against them for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX is reporting a account on my credit report that does dont belongs to me this is identity theft. account number XXXX need to remove from my consumer file

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 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX is reporting a account on my credit report that does dont belongs to me this is identity theft. account number XXXX need to remove from my consumer file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX of XXXX, Chase bank made a wire transfer of {$31000.00} to a unauthorized user out of my checking acct. Chase bank maximum wire transfer amount is {$25000.00}. I notified chase bank on XX/XX/XXXX of XXXX  that it was fraud. It took Chase bank a full 7 days before attempting to do a wire recall. Chase bank refuse to refund my money after the banking negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My name is XXXX XXXX and I am submitting this formal complaint against Kohl 's. this is what happened Approximately one month ago, I initiated an arbitration process through the XXXX XXXX XXXX XXXX XXXX ) in relation to a negative account that Kohl 's is currently reporting on my credit records. 

I have been notified by AAA that Kohl 's has not adhered to XXXX 's stipulated guidelines pertaining to consumer claims, as delineated within the Consumer Due Process Protocol ( " Protocol '' ) and the Consumer Arbitration Rules ( " Consumer Rules '' ), which encompass the provisions concerning Arbitration Costs. 

Kohl 's, in its actions, is evading its obligations to its clientele and is breaching its contractual commitments. Notably, within the contractual clauses, it is explicitly stated that any disputes can be referred to the XXXX for resolution. In light of these circumstances, I hereby formally request a thorough investigation into the practices of the company, given the perceived inequitable behaviors outlined above. 

This situation for me has been stressful, it has affected my financial life and that of my family. Several loans have been denied and I have lost the opportunity to buy a house. I feel hopeless and anxious about this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I signed up for a membership at XXXX XXXX XXXX on XX/XX/22 and decided to cancel my membership on XX/XX/22. I thought I had paid all of my dues and had canceled my membership. Couple months later I have a debt collection company trying to receive {$150.00} from me. I go read the reviews from XXXX XXXX XXXX  and see this isnt the first time this has happened. Ive canceled at other gyms and have never had this issue. Im barely trying to build my credit now this is going to be a bad look applying for credit cards and loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PENTAGON FEDERAL CREDIT UNION
State: IL

Complaint narrative:
PENFED CREDIT UNION took funds from my account that was postdated for another day without my consent or authorization. I spoke with a representative at PENFED regarding payment arrangements with my account on XX/XX/XXXX. I informed them that I would make a payment to the account on XX/XX/XXXX. On XX/XX/XXXX, I received an email notification stating that funds were applied to the account in question. 15 USC states anyone who is collecting a debt is a debt collector. In addition, according to 15 USC 1692f ( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument is a violation of the FDCPA. This is abusive and has affected me tremendously. ( see attachments )

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 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
See the attached documents.

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 2023-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
A friend asked me to get the Venmo. App so they could send me money. I downloaded the app to my XXXX and to make sure I had it right I sent a request for XXXX dollar to my friend so they could have my account info. I was then notified that XXXX $ had been sent to me. I then linked and verified my bank account and debit card to my Venmo account. I tried to transfer the $ to my XXXX debit card but was unable to. After several attempts I used the help menu and spoke chat to a chat bot who couldn't resolve my problem and referred me to XXXX XXXX : I was then informed that my account had been frozen and I had to wait for a team of supervisors to email me to unfreeze my account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is a follow up in Case # XXXX filed with CFPB. While I appreciate the response I received from TransUnion and they implying that the reinvestigation process could take up to 60 days to complete this goes against FTC best practices. However, After reviewing my credit report again with TransUnion I see there has not been any movement in getting these inquiries removed from my file. I am not sure what they plan on doing or how they plan on validating these inquiries, as I speant nearly 3 days caling everyone of them and was told by the potential creditor that they do not show where I applied and if I did I may receive something in the mail with regards to the status of each. What freightens me even more if that My information has been found to be on the DARK WEB as I have gotten several alerts as of late. Which is why I locked all my reports now.

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