vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-08-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I am a member of the XXXX XXXX. XXXX XXXX in the XXXX Decision class. I filed my XXXX in 2014. The DoE acknowledged I am in the XXXX XXXX ( I have emails ). According to the XXXX XXXX XXXX settlement, the DoE had until XX/XX/XXXX to follow up with my XXXX  or they are required to forgive the debt. XX/XX/XXXX came and went and they have not complied with the court order. I have been trying to get a hold of someone there for months and no one has been able to talk to me about this. I contacted the XXXX, the DoE and my congressional representative on this again today. 

They are in current violation of the court order and are now require to forgive all of my debt. I need to know how to invoke my rights. 

Please help me. I've been in XXXX 's XXXX for 10 years now and deserved to be freed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and XXXX of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 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: TX

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

XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXXN # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  # XXXX, XXXX XXXX # XXXX  Has violated my rights.

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

15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not funish 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 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 ) Aperson shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has resonable 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 2023-08-07 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: Experian Information Solutions Inc.
State: TX

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

XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXXN # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX Has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not funish 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 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 ) Aperson shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has resonable 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 explanation
Consumer complaint received 2023-08-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
not getting investigation in 30 days, this is my third attempt address this issues with my credit report.

I have proof of all 3 prior disputes.

disputes include 2 closed account still reporting capital one is a authorized user I am on account.

( FCRA ) 15 USC 1681i ( 5 ) illegal to report late payments and permissible purpose ( FCRA ) 15 U.S Code 1666b despite closed accounts are still reporting all 3 main bureaus are reporting different information reporting dates, late activity dates, closed dats.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I had a regular Kohl 's card. I received a letter saying I was selected for a capital one kohls charge. I told them I didn't want it. I made a charge at kohls with my regular card in XXXX XXXX. I received the charge card from Capital one even though I didn't want. I did not even activate the card. I tried to pay my bill online, as I always do, I kept getting error. I called Kohls they said they had no account and referred me to a capital one number. I called capital one to find out what is going on. They referred me back to capital one. I told him I did not want the card. He said I would have to cancel the card I never activated and reapply with Kohls. I told him I still needed to make my payment. He then said he needed to read me a disclosure, then asked me to agree to it. I told him no I do not agree to a disclosure for a card that I never activated or wanted. The card has a label on it saying to call a number to activate. After a lot of frustration, he took my payment this was on XX/XX/XXXX. The guy then stated that the payment will be reflected the next day on XX/XX/XXXX. I told him I had been trying to make the payment all day. He said it was after his time. On XX/XX/XXXX I called again to payoff and close out the card. They again went through the same thing with the disclosure and a long frustration conversation, I asked for a manager. The manager said it didn't matter is I activated my card or not because I made a purchase in XXXX that activated the card even though I didn't call the number and activate it. She again kept refusing to close out my account or take the payoff until I would agree to the disclosure. I finally to her I agree to never opening another Kohls Capital card and close the XXXX card. ( I didn't swear, but she kept pushing me. ) She took the payment and said it was closed out. This Friday, I received another statement, this time from Kohls Capital one. It showed a late fee and a overpayment, so to say the least these sent me a bill for {$14.00}. and change. I called the number on the statement, and they said they have no record even after I called the number on their statement. They tell me I have to call Capital one. I really need help. I filed a complaint with XXXX. I also seen others that were having the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2023, someone hacked my Bank of America account, added a XXXX recipient which I don't know, and transferred {$3400.00} from my account. The hacker transferred out my phone number from my carrier company, so they could receive a verification code to log in to my Bank of America Online Banking Account. I visited the BoA branch at XXXX XXXX XXXX, XXXX XXXX, CA XXXX, and have the case opened. 10 Days later, I called their fraud center. They say my claim case was denied. This is clearly a system vulnerability of BoA, which caused the loss of my funds.

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 2023-08-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Reference # XXXX. I asked for Equifax to present my request of sending me my credit file and not my consumer report. I asked for All documentation and EQUIFAX did not fulfil my request and concerns. I demanded for Equifax to correct the inaccurate reporting on my consumer report. " if EQUIFAX does not have documentation to show these were in fact authorized it must be moved asap ''. On the XXXX of XX/XX/XXXX Equifax sent a letter stating that they could not locate my credit file for that I had not applied for credit. On the XXXX of XX/XX/XXXX I applied for an credit extension at XXXX XXXX in XXXX Texas. Equifax also stated that I had not used credit in the past ten years which I had applied fore a secured credit card within the last 3 years with XXXX  XXXX and Equifax stated that I had not lived in the United States or have not been issued a XXXX Social Security Number. I was born in the city of XXXX XXXX Texas on the XXXX of XX/XX/XXXX which is part of the 50 States that count as the United States. I also was given a Social Security number the same year of my birth. Equifax has MY social security number on file and I have used my Social Security Number during consumer credit transaction 's and employment applications. Equifax is providing ALL FALSE IMFORMATION and In violation of the LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have tried disputing this account for over a year to get it removed from my credit reports. This is for XXXX in the amount of {$9600.00}. I was fraudulently added to this account as a co-signer I have been trying since XX/XX/2022 to get this removed.

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 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Round Up Ventures, L.P.
State: NC

Complaint narrative:
The following companies are not following the FCRA laws and rules regarding reporting late payments. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Exceptas otherwise provided in this subcha pter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the
consumer can exercise that nondisclosure option.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: Partners Financial Services Inc
State: MO

Complaint narrative:
XXXX Bank was the original person I did business with. The account was charged off a few years back and Partners Financial took over this account now. I have made several payments through the court system and when contacting them they would not update that a few XXXX dollars have been paid toward this debt. They are still saying I owe the full amount of the charge off. I have tried to talk to the manager at the Partners FinanciaXXXX and she was quite rude and of no assiatance. I want to get this payment amount reflected and get this off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
My account was fraudulently charged!! Navy federal sent me this statement Thank you for contacting Navy Federal regarding the Credit card fraud claim submitted on XXXX on your Credit card ending in XXXX for the amount of {$13000.00}. My claim was denied for whatever reason!! I can not pay for charges I did not make. My purse as well as phone was stolen! Other cards were compromised as well as this one!! Navy isnt helping me! I am not paying for something I did not do! They denied a claim before as well that wasnt me. I cant do this again. I just want my money back!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$3600.00} XX/XX/2023 15 U.S.C , 1681section 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 an 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 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 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$3600.00} XX/XX/2023 15 U.S.C , 1681section 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 an 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 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 2023-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: MO

Complaint narrative:
I have been dealing with XXXX XXXX  and XXXX XXXX since XXXX on this matter to no avail. They charged me for my phone on XXXX on my XXXX XXXX  Bill and my XXXX XXXX card in the amount of {$420.00}. I paid this in full on my XXXX card months ago. 
They turned me into Convergent ( account # XXXX ) ON XX/XX/2022. 
I tried resolving this through the XXXX  and this has been a nightmare. 
They wrecked my credit score and I want them to fix it. 
I need help please. 
I am going back to teaching school next week and have no extra time to deal with these people. SHAME on XXXX. 
I appreciate any help that you can offer me. 
Warmly, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
ABSULTLY NOTHING -- -- -THEY USUALLY HANG UP OR PUT ME ON HOLD FOR A HOUR OR MORE. 

I HAVE TRIED AND SPENT MORE THEN 80 HOURS ON THE PHONE WITH THEM.

I GIVE THEM THE SQUARE TRANSACTION NUMBERS, XXXX AND XXXX, THEY TELL ME ITS MY ACCOUNT, I NEVER HAD A SQUARE ACCOUNT, NOR WOULD I NEED TO STEAL XXXX FROM MYSELF AND CHANGE THE NAME TO XXXX XXXX. 
THE XXXX, XXXX MONEY ODERS WERE STOLEN OUT OF OR BY A UNITED STATES POSTAL EMPLOYEE, THEN " WASHED '' AND THE NAME WAS CHANGED, DEPOSITED WITHOUT A CHECKING ACCOUNT NUMBER. 

THE XXXX IS XXXX XXXX XXXX XXXX XXXX ROUTING NUMBER IS XXXX. 
I HAVE FILED WITH USPS COMPLAINT, 2- POLICE DEPARTMENTS, 1 WHERE I LIVE, 1 - WHERE THE MAILBOX IS. 

BLOCK INC, WHICH IS SQUARE, POSTED THIS FOR CASHING VIA A PHONE PLUG DEVICE, LIKE IT WAS PAYMENT FOR SOME SERVICE OR PRODUCT. 
THERE SO SCREWED UP, THEY SAY " MY ACCOUNT '' BEEN CLOSED BECAUSE OF FRAUD, THEY REFUSE TO DIVULGE THE REAL OWNERS INFORMATION.

Company response to consumer: Closed with explanation