vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
Dear CAINE WEINER, I am writing to express my serious concerns regarding Account # XXXX your unauthorized access to my personal information, which is a clear breach of my privacy rights. This unauthorized access has been used in an attempt to coerce me into paying a debt I am not obligated to pay. 

Under the Texas Business and Commerce Code 521.053 and the Identity Theft Enforcement and Protection Act, businesses are required to report any data breach of system security that affects Texans to the Office of the Texas Attorney General. Furthermore, it is unlawful for any person to obtain, possess, transfer, or use personal identifying information of another person without the other persons consent. 

In addition, under federal law, specifically 26 U.S. Code 7213 and 15 U.S. Code Chapter 94, it is unlawful for any person to willfully disclose to any person, except as authorized in this title, any return or return information. Any violation of this is a felony punishable upon conviction by a fine in any amount not exceeding {$5000.00}, or imprisonment of not more than 5 years, or both, together with the costs of prosecution. 

In my case, you have accessed my personal information without my consent, which could constitute identity fraud. You have also added an account to my credit report that I did not authorize. Even in the event of permissible purpose, the consent of the consumer is still required, which I do not give. Therefore, I demand that you remove yourselves from my credit report immediately to correct this breach of privacy. 

Furthermore, you have contacted me without requesting consent to do so. I do not wish to do business with you and I am not obliged to. Any further attempts to contact me without my explicit consent will be considered harassment and will be reported to the appropriate authorities. 

I trust that you will take immediate action to rectify this situation and ensure that such breaches of privacy do not occur in the future. Failure to do so will result in legal action. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I Ask them to verify and send over information regarding their verification. They just sent that the information was verified which I know it was not. It was an automated system that just sent out that they verified this false information. 

I have proof from the original creditor with all the original information and none of it matches what's on my credit report. I disputed the accounts stating that these accounts were incorrect and I gave them the option to either update this account on my credit file or remove them per the FCRA. 

They chose to verify incorrect information that does not match the original creditor information. I then informed them if you can not verify this information properly you must remove it. You can not just have an automated system shooting out that this information is verified and must stay on your report if you did not do a proper investigation. 

This is harming my credit score beyond comprehension and it is stopping me from getting fare rates for housing and transportation. I am a regular consumer and just would like companies to follow the law.

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 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Fraudulent charges were made to these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX n accordance with the Fair Credit Reporting Act : 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Veripro Solutions Inc.
State: FL

Complaint narrative:
I received a notice from a new loan servicer XXXX XXXX XXXX XXXX ) from the previous loan servicer ( Veripro Solutions - from a XXXX XXXX XXXX  ) dated on XXXX. The new loan servicer is now telling me that I owe more than what I expected. Veripro 's notice, dated XXXX, stated that my current balance is {$44000.00} ; however, XXXX XXXX XXXX XXXX XXXX XXXX  states, in their Notice of Assignment of Servicing dated XXXX that I owe a Principal Balance of {$62000.00} plus {$42000.00} in accrued interest. When I inquired about this very large discrepancy, I was told that my partial payments to Veripro Solutions for the last 10 years were not covering the full mortgage payment including the interest and as such my total balance now is in the sum of XXXXXXXX Upon receiving a payment history from XXXX it was clear that payments were applied by using a negative amortization schedule. I was never informed by Veripro Solutions that this was the case. I do not have anything in writing, electronically or telephonically ever providing me this information. Furthermore, I did not find out that they stopped auto-withdrawing my payments beginning on XXXX XXXX  ( I was on automatic pay ) until XX/XX/XXXX. On or about that date ( when I received this notice ) and when I called Veripro to find out why they had stopped initiating withdrawals, they said it was because the agreement had ended. Once again I never received notice in any way to alert me of this. I find this situation I am in unfair and I am wondering what I can do as a recourse because XXXX is threatening me with foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX  and CAPITAL ONE REPLY ACCOUNTS ARE UNDER REVIEW.YET CONTINUE TO TRANSMIT LATE PAYMENTS. INFORMATION TO ALL CREDIT AGENCIES EFFECT MY APPROVAL ON ANY LOANS I HAVE APPLIED THIS IS IS IN VIOLATION OF FTC UFC 16. THEREFORE ARE LIABLE FOR DAMAGES I HAVE INCURRED {$10000.00} TO DATE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: CA

Complaint narrative:
According to XXXX XXXX, since XX/XX/XXXX, a late payment with XXXX XXXX ( Creditor ), a financier for XXXX, reported a late payment to the credit bureaus that are not accurate. The credit bureaus reported a late payment from XXXX XXXX that are not accurate. This resulted in XXXX points. 

Retainers were ordered from XXXX ( Merchant ) back in XX/XX/XXXX. Nothing was received and I followed up on XX/XX/XXXX, and there was no response from customer support whatsoever. I received an automated email that XXXX was undergoing a lawsuit between XXXX XXXX. I stopped payments due to a stop in treatment. 

After being followed up with by XX/XX/XXXX, approximately five months later, regarding my XXXX  treatment and finally being provided next steps in my treatment plan, I then paid the balance due, up-to-date, to XXXX XXXX. 

Therefore, the late payment reported is not accurate and needs to be removed. 

Since XX/XX/XXXX, XXXX removed a collection as a result of a dispute, but deducted XXXX points for a small increase in a closed account XXXX XXXXXXXX XXXX XXXX 

XXXX points and XXXX points for a small and yet inaccurate report is a very drastic drop and should be investigated on the competence and level of compromise in mishandling credit reports and the misuse of them by the credit bureaus, along with the measure in which they calculate such deductions.

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 2024-01-21 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: OK

Complaint narrative:
15 U.S.C 1681 section 60288. I have the right to privacy 15 U.S.C 1681 section 604 a section to it also states a consumer reporting agency kid furnish an account without my written consent 15 US code 1681 a Report containing information solely as to transaction or experiences between the consumer and the person making the report. Please investigate the completeness of every piece of information in accordance with the fair at credit reporting act these accounts have violated my rights and need to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian continues to report inaccurate information onto my consumer report. None of these cell phone numbers are accurate. They do not belong to me. XXXX is not my spouse nor do I know who this individual is. All of this information should be deleted immediately.

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 2024-01-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was given a {$1000.00} AmEx gift card by a relative. The card was activated and funded correctly. However, the gift card is declined at virtually all online and in-person merchants I have tried. This includes XXXX, XXXX, XXXX ( in-store ), and various others. Upon researching this issue, I found that countless others have either given or received these gift cards, which are marketed by American Express as follows : " American Express Gift Cards and Business Gift Cards and American Express eGift Cards and Business eGift Cards may be used virtually anywhere in the U.S. that accept American Express Cards. '' This statement is patently false. These gift cards cards are completely worthless and are declined almost universally, which is tantamount to fraud, as American Express simply keeps the funds utilized to load the cards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I have been enrolled in a degree program at XXXX since XXXX. I am expected to be enrolled until XXXX. At first my loans were with Great Lakes, and were transferred to Nelnet sometime during covid. When the covid repayment pause was lifted and repayments began in late XXXX, I didn't worry about it at all because, as I said, I have been and will continue to be enrolled in school, and when that is the case your payments get deferred. 
I checked my account status in late XXXX, around XXXX I believe, and I have all these notifications about my account being past due, despite being enrolled in school. Mind you I didn't check it sooner and was never worried about it because, again, I was enrolled in school and should have never had a payment due. I figured there must have been an oversight or a glitch when restarting the payments since covid, and after being on hold with them on the phone for well over an hour I decided to use their email service. I also was in touch with my school during this time to have it worked out. 
Several weeks later I see my account was updated, I get notices that my school deferment was " approved '' ( it should have never stopped ), and that I won't owe anything until XX/XX/XXXX. I figure that's the end of that. 
For the last 2 weeks or so I've been getting spam calls from debt collectors, even though I shouldn't have any delinquent accounts. Today I check my credit score, and it has dropped over XXXX points due to missed payments from these loans, payments that I should have never had due to being a student. This oversight is affecting my day to day, my spam calls, and now my financial health. I have bad marks on my credit and now a " poor '' credit score due to Nelnet 's oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian continues to report address and names that do NOT belong to me. Experian is a data furnisher which means they are paid to report information and are securitizing these reports to raise money for capital. Since this is an account I have equitable interest in this account and what is being reported. Experian is reporting this inaccurate information for profit even after providing evidence of my identity to prove it is inaccurate and should be immediately removed! My only name is XXXX XXXX remove any other name you do not have my consent to report anything other than XXXX XXXX. My address is XXXX XXXX XXXXt XXXX TX XXXX delete any other address it is not mine.

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 2024-01-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: PA

Complaint narrative:
Jefferson Capital Systems XXXX continues to try to collect a debt that is inaccurate. Jefferson is working on behalf of XXXX which is no longer in business. I switched to XXXX XXXX XXXX in XX/XX/2021. When I switched, XXXX which was purchased by XXXX XXXX was contacted by XXXX XXXX XXXX about the switch. I do not owe any money to this company and no proof of what is supposedly owed has not been provided. The original date of when I had XXXX as my XXXX is more than XXXX years old. The statute of limitations on the the original creditor has gone past the statute of limitations, which is more than XXXX years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Peoples Commerce Inc
State: PA

Complaint narrative:
Peoples commerce inc XXXX XXXX XXXX XXXX  XXXX pa XXXX This account is paid in full and is closed. This company no longer exists as well. Its reporting on my credit as paid in full and last update XX/XX/year>. Status also reports pays as agreed. Paid off 100 percent. This account is reporting a balance of XXXX . Please remove this from my credit report. Date opened is reporting XXXX XXXX. 
Contact number for this account is listed as XXXX XXXX  This is reporting on my XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2024-01-21 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am a natural person I am a living human being, I have rights under 15 USC 1681 Equifax is govern by 15 USC 1681 and they violated my rights numerous of times. I demand the account listed below me be removed ( XXXX XXXX date opened XX/XX/2018 ) because According to 15 USC 1681 : I have the right to Privacy and I did not give Equifax written permission to furnish these accounts. 
noticed an account on my equifax and XXXX report from XXXX XXXX that I never opened. My wallet was stolen back in XX/XX/ and I see the account was opened XX/XX/ so Im guessing thats when someone got my information. Or when equifax had their data breached. I had this account already removed from XXXX, I have it under dispute with XXXX already and I disputed this with equifax in XXXX and its still on.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I attempted to deposit my check from Social Security but they did not help me with any assistance and I could not utilize my funds so it caused me to possibly lose out on some medication that was necessary to continue my growth. The CDC said that I am supposed to be 6 inches taller based upon my mother and fathers height so I am still waiting on medication to leave the premises respiratory medication that helps with my productivity and focus so I can write my reports appropriately and provide assistance to those who were in my circle to see if they were having the same problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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: NY

Complaint narrative:
I filed disputes with experian and they responded that the disputes did not look like they were from me. So no action would be taken

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 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
According to the cares act Covid 19 forebarance late payments should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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: MN

Complaint narrative:
I XXXX XXXX was part of the Equifax Data breach which impacted my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Wells Fargo Bank continues to keep my life in financial ruin and my mom has been allowed to have total control over my credit report and my mom has been falsifying probate court documents for the obvious gain to keep opening fraudulent loans for which I have to be responsible for. Well over {$5.00} XXXX if you include the closed Treasury account and my us savings bonds and my federal direct student loan and unemployment insurance.

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 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
According to the cares act Covid 19 forebarance late payments should not be 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
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Fraudulent charges were made to these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Fraudulent charges were made to these accounts : 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 2024-01-21 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: OK

Complaint narrative:
15 U.S.C 1681 section 60288. I have the right to privacy 15 U.S.C 1681 section 604 a section to it also states a consumer reporting agency kid furnish an account without my written consent 15 US code 1681 a Report containing information solely as to transaction or experiences between the consumer and the person making the report. Please investigate the completeness of every piece of information in accordance with the fair at credit reporting act these accounts have violated my rights and need to be deleted

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