vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-12 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
On XX/XX/2022 I received a mailed document to an old address XXXX XXXX XXXX XXXX XXXX, IL XXXX. I am being contacted about loans from Navient : Loan Number : XXXX Amount : {$8300.00} Loan Number : XXXX Amount : {$1400.00} Loan Number : XXXX Amount : {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX should provide me a payment history for all loans listed and payment options. At this time I am only able to make a payment of {$25.00} for XXXX XXXX. 

Please do not contact me via mail instead contact me via email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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: IL

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING ACT ( FCRA ) Everything has to be 100 % accurate on my credit report. The credit bureaus stated that my account was properly investigated but it is not possible if the open date is inaccurate, the date last active is inaccurate, the date last reported is also inaccurate. This proves grounds for permanent removal. According to the law 15 USC 1681- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at the consumer reporting agency is disputed by the consumer and the consumer notifies agency directly, or indirectly through a reseller of such dispute, the agency shall free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is accurate and record the current status of the disputed information, or delete the item from the file in accordance with the paragraph ( XXXX ) before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Also, 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 U.S.C 1681 XXXX  XXXX XXXX Date of inquiry - XX/XX/XXXX XXXX XXXXXXXX XXXX- Date of inquiryXXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States that 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 ) Sections 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.

15. U.S.C 1666B - A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2022-11-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XXXX. I disputed XXXX Account. XXXX is reporting inaccurate, and incomplete information. The account was opened on XX/XX/XXXX. XXXX didn't report my payment history until XX/XX/XXXX. I have received no response from XXXX regarding this incomplete and inaccurate information it's been over 30 days, which is a violation of my rights. 

On XXXX I disputed the XXXX account with Equifax for reporting incomplete, and inaccurate information regarding this account. The account was opened on XX/XX/XXXX, and Equifax didn't report my payment history until XXXX have received no response from Equifax regarding this incomplete and inaccurate information it's been over 30 days, which is a violation of my rights. 

On XXXX I disputed the XXXX account with XXXX for reporting incomplete, and inaccurate information on my credit report. The account was opened on XX/XX/XXXX, and XXXX has my payment history starting XX/XX/XXXX. I have received no response from XXXX regarding this incomplete and inaccurate information it's been over 30 days, which is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: NC

Complaint narrative:
On XX/XX/ XXXX  I contacted US Bank Reliacard to update my address and have my unemployment card resent. The address that they had on file was the hotel that my family and I were staying at due to displacement. The representative informed me that my account was flagged ( by whom? ) and that I had to verify my identity via their website before they could issue an address update and new card. I did as I was advised and called back on XX/XX/2022. This representative advised that they couldnt update my address because NC XXXX had to it. I informed her of the last reps advise and asked to speak with a supervisor. XXXX was unhelpful and wouldnt pull the last call that I made on XX/XX/XXXX. I explained that my address was updated on Unemployments end but he still wouldnt help me. This bank has so many complaints about them doing this to others without authorization to do so. Now XXXX concerned that they will charge me extra fees for having funds on that card even though I never wanted to do business with them in the first place. NC XXXXXXXX XXXX wouldnt allow me to use my XXXX XXXX  account and I was forced to do business with US Bank Reliacard. Someone needs to look into these complaints and do something.

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 2022-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Atlanticus Services Corporation
State: AZ

Complaint narrative:
I closed this Aspire XXXX XXXX  Credit carsd account several weeks ago due to fraudulent use by an unknown person, and was told by an employee that I could not re-activate it until the end of the billing cycle, today, XX/XX/2022, but today all I get is that there is a payment of {$270.00} due but no one in the XXXX or XXXX knows what the balance is for, and until the card is reactivated I can not sign into the account on-line, and I do not receive paper statements, so now, they are going to start charging me interest at XXXX XXXX  or more, AND REFUSE TO TURN MY CARD BACK ON unless I make a Payment I may not actually owe, and I do not know whether it is better to make the payment for an unknown charge and then demand a refund for it, or file a complaint with you.. 

I not only made multiple calls to their number, which does not go to their offices in XXXX, XXXX but to the XXXX, and even one that was answered in XXXX, XXXX. I THINK THE ONLY WAY THIS OUTSOURCING IS EVER GOING TO CHANGE IS IF AMERICANS DEMAND CONTACT INFORMATION THAT IS NOT OUTSOURCED. 

I think all American citizens are getting tired of banking and credit card companies outsourcing customer service to offshore companies, and then being asked to provide personal information before they even attempt to provide assistance. And if you ask for a statement they have no way to send it to the United States, they claim, but my fax number works just fine from any country as long as there is a " 1 '' in front of my US number, and my email also works from any country. It just excuses for lack of service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
15 U.S. Code 1681- ( a ) Accuracy and fairness of credit reporting. Experian has not updated my personal information after providing them with my official government drivers license and social security card which is my official identity. Any other names, address, birthdays are fraudulent. I have filed a complaint with FTC, to get Experian to report accurate personal information. Experian keep saying without verifying the name variation are tie to accounts. This is not accurate. If name variation is tie to other account is fraudulent and this is why I am requesting that Experian only use the personal information on my official drivers license. Attached is a copy of my driver license and ssn card.

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 2022-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I had a positive credit balance of {$140.00} on my American Express XXXX XXXX card. I requested that the balance be sent to me via check in late XX/XX/XXXX. After about a week, I reached out to ask if the check had been sent. I was told that yes, it had been sent. And I noticed that my balance was now XXXX. On XX/XX/XXXX I received the check, and cashed it. 

Then, a day later, I noticed that XXXX {$140.00} had been deducted from my account. I called American Express and they said that they had mistakenly sent a second check out. I told them I needed them to void that check and credit {$140.00} back to my account. 

On multiple dates in XXXX, the most recent being XX/XX/XXXX and XX/XX/XXXX, I either spoke or chatted with several AmEx XXXX  who promised me the funds would be credited back. 

They have still not been credited back. 

My credit card statement will be closing soon and I do not want to have to have to pay a balance to AmEx that I don't actually owe. 

I keep being told the issue will be resolved in XXXX business days, but it has now been almost XXXX weeks, and I keep being told to just wait. 

This seems like an unacceptable thing for me to be burdened with, especially since this is a problem that AMEx created, and which they seem to have no interest in fixing. 

Can you please help? 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-12 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: PA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX : {$0.00}

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 2022-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
On XX/XX/XXXX, my mother was scammed by a hacker on her Venmo account. This person, set up an account in her name and sent money to my Venmo account. She thought this person was trying to help her, so she asked me to send the money right back. This happened two times, once for {$290.00} and once for {$990.00}. I did send the money back. The hacker then sent the money to multiple different places in small amounts to an account named XXXX XXXX. He likely also linked his account to transfer the remainder of the amount from her Venmo account into, before then deleting his account information. My mother was able to file a claim with her bank and get her money back. 

However, Venmo is saying that I owe them {$1200.00} and has put a freeze on my account. I am concerned that they will take me to collections and that it will affect my credit if I do not pay them. You can easily see from the transaction history on both my Venmo account and on my mother 's account that I sent the money right back. Any payments that I receive in my Venmo account are going towards this negative balance now. I do not owe them this money. This was fraudulent activity on my mother 's account and they should be going after the hacker, not me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-12 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: AFNI INC.
State: MA

Complaint narrative:
I got a letter in the mail from Afni , Inc . It states they are trying to collect a debt. There is no debtor, there is no amount owed, nor is there an account number from any said debtor. The letter states that a request has been made on their behalf to access my credit report. Companies can not randomly choose to access credit reports under the Fair Credit Reporting Act, especially debt collector companies. 

If Afni has any real proof of my debt, or an alleged debt owed, I expect the original contract of said debt in writing with my original signature within 30 days. If this does verification does not exist, they must remove all reporting and/or access to my credit report, and they are NOT authorized to access my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America handles prepaid cards for the XXXX XXXXXXXX. I am unable to activate my card online because my " security information is incorrect '' despite multiple attempts, triple checking what I entered. The prepaid customer service number, and in fact all of their customer service numbers have been disconnecting after one ring every time I call for several days, so I can not activate the card that way either. 

I am completely out of money, with past due bills and rent, and I can not access the funds the state has given me. I am incurring late fees as I type this. I will be out of food soon, as well, have had to cancel necessary medical appointments, and can not afford my insulin. 

This is completely, and utterly unacceptable. If I could seek damages, I would.

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 2022-11-12 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: FL

Complaint narrative:
I XXXX, XXXX Authorized Representative for XXXX XXXX TODAY Date : XXXX has been unfairly treated due to the nature of improper credit reporting, and for the mistreatment of the credit reporting laws and compliance.These are multiple violations of the law and slander of my good name and character.. 
Dear Sir or Madam I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported erroneously. agency EXPERIAN sent a letter stating that EXPERIAN had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. 
This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ).

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute.

Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

Please reply within 15 days or delete the negative items, as originally requested.

Below are the items that do not belong to me that you continue to report erroneously.

1. Account name : XXXX XXXX XXXX, Account number : XXXX Chargeoff, Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else remove these items immediately. 
Thank you, These listed Violations are based on breach of fiduciary duties XXXX XXXX XXXX, XXXX, THE XXXX XXXX XXXX, FTC XXXX and XXXX Act Your company falsely reported information that resulted in defamation of my character. Further, you created a deceptive form that made the creditors and employers believe that I was in debt, though you could not prove its validity. If the debts were valid you created a false impression that I was not able to pay the alleged debts. 

As a result, I was discriminated against and denied my right to extend credit. I also suffered emotionally as well as financial hardship. Therefore, your company is liable according to 15 USC 1681o

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 2022-11-12 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: DE

Complaint narrative:
ATTENTION CFPB THIS IS NOT A DUPLICATE REPORT THIS COMPANY AGAIN HAS VIOLATED MY RIGHTS! 

In accordance with the fair credit act, this creditor has violated my rights. Under 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604 ( a ) section 2 it also states consumer reporting agency can not furnish an account without my written instructions. 

FRAUD AGAIN, DO NOT HAVE MY WRITTEN CONSENT I'M PREPARINGTO TAKE THIS COMPANY TO FEDERAL COURT I WILL NOT SEND YOU ANY OF MY PERSONAL INFORMATION AGAIN!! YOU CAN SEE I

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I was notified on my credit report of a missed/late payment delinquency on my Toyota Lease account for my XXXX Is XXXX XXXX that I had leased through Toyota XXXX XXXX XXXX I called Toyota Financial Services on XX/XX/XXXX to inquire of this inaccuracy and spoke with customer service and was informed that payment had been received in XXXX on the XXXX and next payment due wouldve been XX/XX/XXXX as my usual due date. Payment was due XX/XX/XXXX and vehicle was declared a total loss XX/XX/XXXX by XXXX and paid with account closed XX/XX/XXXX. 
The late payment is inaccurate as XX/XX/XXXX wouldve been the accurate XXXX day delinquent time to report to credit bureau had the car not been deemed total loss by insurance and paid by insurance XX/XX/XXXX. Being that this account is in closed status as of XX/XX/XXXX and total loss department with Toyota Financial services, it should not be deemed delinquent payment and impacting my credit report negatively and dropping my credit score forinaccurate reporting. This is deemed to be inaccurate and an incorrect report that I would like to be removed from my credit report and disputed for inaccuracy. Ive attached all necessary documentation for review as evidence to suffice my claim. Please update and review accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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: FL

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. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 explanation