vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: College Ave Student Loan Servicing, LLC
State: FL

Complaint narrative:
I have been having issues regarding college Ave student loans I have two student loans, which aren't on default. I have been making regular payments however if I fell behind for 10 days I get harassment calls really unpolite not only me but also my cosigner. This bank not only calls me and my cosigner but also my mother that is not part of this contract. I never owe a monthly payment for more than a month. 

I have been trying my best to be a good customer however due to the situation I have a hardship so I have been trying to offer the bank different solutions to make a payment arrangement that can help me and help the bank to get the payments on time but the constant answer is no that I have to make a complete payment. 

As a today I have two different companies with student loans. with college Ave student loans I'm paying {$1400.00} dollars which is almost 50 % of my monthly salary. Thanks to this situation I am suffering from anxiety because I barely have money to survive. Please help me with this bank cause I don't know what to do all I'm looking for is to make a payment arrangement so I can pay a lower amount and not get this debt in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
In accordance to the Federal Credit Reporting Act this creditor has violated my rights under 15 u.s.c 1681 section 602 states I have the right to privacy. 15 u.s.c 1681 section 604a section 2 it also states that consumer reporting agency can not furnish an account without my written instructions. Under 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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

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 XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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. 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. The following inquiries were also opened under my social security number fraudulently as well. XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

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 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-03-20 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: MA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The accounts below have late payments showing on my Experian credit report which are incorrect and need to be removed. 

Experian late payments XXXX XXXX XXXX  Account Number : XXXX Date of Late Payment : XX/XX/XXXX This item is inaccurate because the CARES Act provided protection to consumers who were affected during the COVID-19 pandemic. This late payment occurred during a forbearance period and according to this Act, you allowed me to temporarily pause my payments. 


XXXX XXXX XXXX  Account Number : XXXX Date of Late Payment : XX/XX/XXXX This account was never late on the date listed above please remove late payment

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 2023-03-20 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
EXPERIAN : continues to show XXXX accounts as " POTENTIALLY NEGATIVE '' when they are reflected as closed and/or paid in full! There is also an extra social security number that shows up on this report. I have never had more than one! 

XXXX : incorrect address and incorrect inquiries, I have called and some of these business say they have no record of me applying to them. ( XXXX XXXX XXXX ) keeps showing up as an inquiry on credit report and XXXX XXXX continues to show up as an automobile credit account which I have never had with XXXX XXXXXXXX. Now there is are Miscellaneous Credit Reporting Agencies showing up in the inquiry portion of this report like XXXX, XXXX ... NEVER HEARD OF THEM! Also an XXXX XXXX  XXXX never hear of them either. 

XXXX : I have had to file many disputes with the credit agencies down through the years for listing alias names ( XXXX XXXX ), addresses to places where I have never lived ( XXXX XXXX and XXXX and a XXXX ). 

I'm afraid that the credit report of someone else has been mixed up with mine and I am just now seeing it for what it is. I have contacted many of these creditors ( XXXXXXXX XXXX XXXXXXXX & XXXX ) they have nothing in their records for me... ..Things like this go against the FAIR CREDIT REPORTING ACT and is illegal. Please help?

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 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX and XXXX XXXXXXXX # 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 1681q Obtaining information under false pretenses shall be fined under title 18 and imprisoned for not more then 2 years, or both. Failure to remove these accounts within the next 4 days upon receiving these receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, 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:
EXPERIAN is continuously reporting inaccurate information to my consumer report they have taken a vital role in myself and my childrens lives. This company has willingly and knowing reported inaccurate information after I have made several attempts to save my family from the malicious intentions we have endured. I have attached a recent copy of my most recent report regarding this account, I have also circled all INACCURATE information since this company will not do a proper investigation. EXPERIAN is practicing identity theft as well since I have never given any written authorization to share any of my personal information to any third-party entities which is a VIOLATION OF MY RIGHT TO PRIVACY. WHERE IS EXPERIAN 'S AUTHORTY REGARDING MY PERSONAL INFORMATION? Pursuant to 1681 ( 2 ) ( i ). DELETE THIS ACCOUNT ONLY ( XXXX ) FROM MY CONSUMER REPORT, the information is INACCURATE I should have never had to circle each inaccurate detail on my own. This negligence has prevented me from purchasing a home, made insurance rates more expensive and has caused trouble in my marriage.

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 2023-03-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Called Trans Union 3 different times after spending 30 to 45 min on phone and asking to explain to me why they are reporting 30 60 30 day late payments. After going over the accounts I was put hold on while they looked into it and was hang up on each time. In XXXX I tried to dispute the accounts and they came back verified. I paid and closed Both accounts the same day XXXX XXXX Account XXXX also Account XXXX. XXXX also Transunion are reporting inaccurate information. 
As of XX/XX/XXXX is being reported Account XXXX *Updated : XX/XX/XXXX ( Inaccurate ) *Last Payment of {$0.00} ( how can they report {$0.00} payment ) ( Wrong info ) * *Date XXXX ( waited two months to report the account closed ) *Last Payment XXXX ( The date of last payment made ) Account XXXX Updated XX/XX/XXXX Payment received : {$120.00} ( I haven't made a payment to this account since I closed Accouts. ) Last payment made : XX/XX/XXXX Date Closed:XXXX also reporting history XX/XX/XXXX This is completely against FCRA and has caused hardship to me and my family by these credit Bruals doing frivolous acts to consumers knowingly and I want this to be off my report. Next I will be contacting a consumer law attorney if this is not taken care of in a timely manner

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 2023-03-20 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: NJ

Complaint narrative:
Im accordance with the fair credit reporting act, this creditor has violated my rights. 15USC1681 section 602 states I have the right to privacy. 15USC1681 section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2023-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Messerli & Kramer P.A.
State: SD

Complaint narrative:
Debt Collection Law Firm in over 14 FDCPA and FCRA and CFPB violations. 

Have filed a frivolous lawsuit without answering and proving they are the holder in due course, have a signed contract with my name on it or have a contract to collect on behalf of XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: RI

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am unable to access my venmo money from my venmo account. I can't transfer the money to my bank account nor am I able to use it to pay other people. The money is just sitting there. The venmo app keeps prompting me to go through an " identity verfication '' process which I have done twice now by submitting my driver license, W2 forms, and bank statements. On XX/XX/XXXX I submitted the documents on the app and on XX/XX/XXXX venmo emailed me saying they could not read some documents. I resubmitted the documents again on XX/XX/XXXX via the app and still not heard back from venmo nor am I able to access my money in venmo. On XX/XX/XXXX I called their customer service number at XXXX and am told that the department that handles identity verfication will " get back to me via email within 24 hours ''. I asked to be transferred to a representative that handles identity verification and am told that they don't have a phone number nor do they have a email contact. They just told me to wait. This is not right that I do not have access to my money nor is there a contact person I can contact regarding this. I have to just wait passively until someone from venmo contacts me via email. My Ticket # is XXXX. Please investigate this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Im accordance with the fair credit reporting act, this creditor has violated my rights. 15USC1681 section 602 states I have the right to privacy. 15USC1681 section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
PayPal said I can no longer use there services which Im ok with but when ask to close my account they said they can. My financial info is still in there Al I want them to do is close my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. 
On XX/XX/2022, I submitted a dispute to your company regarding XXXX XXXX XXXX ( Collections ), XXXXXXXX XXXX ( XXXX ), XXXX XXXXXXXX XXXX ( Collections ), XXXX XXXX ( Collections ) XXXX XXXX XXXX XXXXXXXX ( Collections ) and XXXX XXXX XXXX ( Collections ). As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). 

However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. 

I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. 

If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA.

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 2023-03-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. 
On XX/XX/2022, I submitted a dispute to your company regarding XXXX XXXX XXXX ( Collections ), XXXX XXXX ( XXXX )XXXX XXXX XXXXXXXX XXXX ( Collections ), XXXX XXXX ( Collections ) XXXX XXXX XXXX XXXX ( Collections ) and XXXX XXXX XXXX ( Collections ). As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). 

However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. 

I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. 

If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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