vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Tribal Lending Enterprise, Inc.
State: WI

Complaint narrative:
Account # XXXX As of today XX/XX/23, I am revoking my authorization for automatic withdrawal authorization from XXXX XXXX Checking Account # XXXX at Bank Routing # XXXX. You will cease and desist from making a withdraws as of today, XX/XX/23 and any future dates. 
Your customer service representative may contact me at this email address : XXXX. You will cease and desist from making any attempts by phone call, or text message to my phone number on any documentation you have in your possession related to my account. 

I am willing to make an offer of {$330.00} to settle this loan on XX/XX/23 ( Account Paid in Full ). 

Thank you. 

XXXX XXXX XXXX XXXX Request was ignored and withdraw was made today XX/XX/23

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 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 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: TX

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

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXccount # XXXX, Account name : XXXX XXXX XXXX # XXXX XXXX Account name : XXXXXXXX XXXX XXXX Account # XXXX XXXX However, they stated everything was complete and accurate. And in ther stall letter stated that I needed to contact them and use their removal tools... I am getting the run around while trying to ADVOCATE FOR MYSELF saying I am using a third party. also I do not understand everything complete and accurate how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case atttached are a copy of the letters sent out on XXXX to each of the three credit bureaus.

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 2023-09-29 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: FL

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Initially, I received an email from Chase bank on XX/XX/XXXX, thanking me for applying for credit card. Within XXXX hours I received a phone call from them asking if I applied. I explained to the representative I did not and she advised me to contact the three credit reporting agency. I spoke with XXXX and XXXX on XXXX  to put a block on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
XXXX XXXX  is unlawfully and without permissible proposes reporting inaccurate and unlawful information to my credit report. Company responded that theyre allowed to report such activity which in their terms they state credit bureaus and others. The only bureau is the CFPB as proof is included in attachment. Others is misleading information to consumers and not specific as to who others are. Company is violating my privacy rights by furnishing such information. I have a right to privacy by law. Information is incomplete and not accurate which is a violation of usc 1681 b and inaccurate information can not be furnished on a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-09-29 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: Experian Information Solutions Inc.
State: ND

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX  Navy federal withdrew {$510.00} from my checking account to satisfy and payment in which my mother owed on her credit card. I called in to release my paycheck and only agreed to make a loan payment on my vehicle which is financed through NFCU. I received a notification that additional money was taken out and questioned the representative and she stated it was for a credit card which is not mine. I spent a total of 4 hours on the phone trying to get my money back and still have no resolution. I never gave authorization for the payment to be made and asked multiple times for the call to be reviewed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I submitted my application to NELNET nearly 6 weeks ago and have not gotten an update with regard to payments. They have not asked me for any information and have not updated my new payment plan on their website that I check daily. Payments are due to start next week and this is a going to make a mortgage size monthly difference. Their previous email said theyd update me every 10 days and I havent gotten an email in 19 days from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
I moved out of XXXX XXXX apartments on XX/XX/XXXX and received a move out notice with remaining charges. The dates of the specific charges incurred were not clear to me or reflected a timeframe of the previous month. The previous month was already taken care of in the following months rent and utilities that I paid. It was confusing so I emailed back inquiring about an explanation of the charges just to make sure they were accurate. I never heard back ever since. I honestly assumed they reviewed it, and adjusted my account. Also I quite literally havent thought about any of this since I moved it. From then until now, end of XXXX. On XX/XX/25, I see that Ive been sent to collections. When I contacted the leasing office, the XXXX said she apologized as the lack of communication was probably due to XXXX, assistant property manager, leaving her position some time after sending my move out statement. I even disputed with XXXX XXXX but its still on my report. I have no problem paying but I dont want this on my report. Why should my credit have to suffer due to their failure to communicate? I never received a response to my email explaining the charges OR a phone call. Not a single attempt to contact me. This whole time, I didnt know I owed anything to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been Getting Hit with unwanted and unauthorized Hard Inquiries from a lot of companies I didn't authorize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America downgraded my credit score with minimal warning. I argue that the minimal payment was being received by auto-draft for my monthly bill statement. Bank of America decided to downgrade my credit score because they increased my monthly bill obligation and I didn't know. I called Bank of America to explain that my account was set up on auto-draft and I was unaware of my monthly billing statement being increased and that they should on a one-time basis reverse the incredible hit to my credit score for this first infraction. They decreased my credit score by XXXX points. I do not miss payments!

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 2023-09-29 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: OH

Complaint narrative:
How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

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 2023-09-29 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: LEXISNEXIS
State: OH

Complaint narrative:
How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
Military Star Card contacted my military command via paper mail directly to my Commanding Officer, which caused disciplinary problems for me. According to 15 U.S. Code 1692c ( a ) ( c ) - Communication in connection with debt collection, 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 ; at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. XXXX XXXX, a Customer Response Technician responded by saying " Hello XXXX XXXX, Thank you for contacting the Exchange Credit Program. To address your concerns, on XX/XX/2023 you were mailed a letter referencing the past due status of your MILITARY STAR account. Please review the attached document. If your account is past due 3 or more payments, this reflects a delinquent status. Therefore, a system generated letter will automatically be sent to your Unit Commander ''. This is a clear violation of 15 U.S. Code 1692c ( a ) ( c )

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 2023-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: FIRST HOME MORTGAGE CORPORATION
State: MD

Complaint narrative:
My mortgage company sold my mortgage, changed my account number, lost my payment, did not give notice of a late pay and reported me to the credit bureau as 30 days past due. 
I have paid my mortgage on time every month for over 25 years. My mortgage payment was due on XX/XX/23 and I sent payment on XX/XX/23 from my bank and this was verified. The mortgage company sold my mortgage and changed my account number several months before. They sent me notice of the account number change later in XXXX. At that time, I made changes to my payment for XXXX. That was due on XX/XX/23 and I sent payment on XX/XX/23. That payment was received by my mortgage company and applied to my XXXX payment. I was also reported as 30 days past due. After multiple hours and multiple calls of trying to contact them, they constantly stonewalled me. They said research was the department that could make a determination and they cant talk on the phone. Therefore, I was not able to resolve the issue. I have proof that my payment was sent out and there was no contact by the mortgage company that payment was late or going to be late. In fact, all mail correspondence with this company has taken several weeks to reach me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-09-29 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Capio Partners, LLC
State: IL

Complaint narrative:
Medical debt amount is not mine, collection agency claims it falls under mine. Claims my insurance company paid partial but never had the insurance company they are claiming paid. Tried taking to collecting agency, they are using unfair practices to try and collect a debt that's not mine. They keep asking for proof but how do I provide proof when it's not mine, I have nothing to provide them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: PA

Complaint narrative:
Consumer Adjustment company sent a statement ( attached ) on XX/XX/XXXX that they would remove this account from my credit profile and my complaint was closed. XXXX just alerted me today that Consumer Adjustment Company has verified and updated the information on my profile AND flagged the account as unpaid! ( Also attached ) At this point they are in blatant violation of several FDCPA codes and laws. They should be held liable to pay damages for each violation. They are knowingly lying to save face and reporting harmful information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 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: OH

Complaint narrative:
How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 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: OH

Complaint narrative:
How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

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