vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : XXXX DOB : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX RE : Fraudulent Inquires. You Violated the United States Code Law 15 U.S.C. 1681n. I demand you to comply 15 U.S.C 1681 section 602. A States I have a right to privacy 15 U.S.C 1681 section 604 A section 2. it also states a costumer reporting agency can not furnish a account without my written instructions According to 15 U.S.C 1681n any damage sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not have {$1000.00} 15 U.S. Code 1692e - False or misleading representations. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt Without limiting the general application of the foregoing, the following conduct is a violation of this section 15 U.S. Code 1692k - Civil liability Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of INQUIRY REMOVAL BELOW XXXX, XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX . XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX Attn : XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX To whom it may concern you have violated my rights under the FCRA. 

On ( XXXX ) I sent a dispute letter to you, disputing the account ( s ) listed below. It was received on ( XXXX ) by your company. And the notice of dispute was not entered within the 30 day time frame, and because of this you have failed in your duty as the furnisher of this information, and you are in violation of section 623 ( a ) ( 2 ). 


Late payments ACCOUNTS : Need removed BELOW. 



XXXX XXXX with account number XXXX Remove due to inaccuracy - I never agreed to this XXXX XXXX I owe no debt this company is violating my rights to privacy pursuant 1681b 2 company has no permission to report anything using my info pursuant to 15 usc 1681.4 Enclosed are the accounts that you failed to mark a " Notice of Dispute ''. Please delete these accounts from my credit report. 

Thank you for your time and attention to this matter. 

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 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, 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.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
Fraudulent Hard Inquiries were made without my knowledgement or permission

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 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Fraudulent Hard Inquiries were made without my knowledgement or permission

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Bankruptcy
Company: EdFinancial Services
State: MN

Complaint narrative:
I have called multiple times in regards to checks that were sent out that I never received or cashed and couldn't receive any information on which checks had actually been cashed and which ones have not and so there's thousands of dollars just sitting out there not cashed and they're trying to say that I owe them for it when I never even got it in the first place

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 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: FL

Complaint narrative:
XX/XX/2023 Report Number XXXX This letter is a formal complaint that you are reporting inaccurate and incomplete personal credit information. 

See the attached credit report from XXXX I am distressed that you included the below information ( see attached credit report ) in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit report you publish. Credit reporting laws ensure that bureaus report only 100 % accurate information. Every step must be taken to ensure the information reported is completely accurate and correct. 

Due to concerns about identity theft please delete all invalid addresses and alias names from my credit reports attached copies that contain the correct information. 

Please also send me my updated and corrected Credit Report as soon as your investigation is finished.

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 2023-10-15 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: FL

Complaint narrative:
XX/XX/2023 Report Number XXXX This letter is a formal complaint that you are reporting inaccurate and incomplete personal credit information. 

See the attached credit report from XXXX I am distressed that you included the below information ( see attached credit report ) in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit report you publish. Credit reporting laws ensure that bureaus report only 100 % accurate information. Every step must be taken to ensure the information reported is completely accurate and correct. 

Due to concerns about identity theft please delete all invalid addresses and alias names from my credit reports attached copies that contain the correct information. 

Please also send me my updated and corrected Credit Report as soon as your investigation is finished.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: VA

Complaint narrative:
The organization contacted me asking for an amount different from the property management and an amount not owed by me. I have ask for verification and such documents were not given ( a copy of the letter sent that informed the PM that a lease renewal was not need, and a copy of the checkout or walkthrough checklist indicating that all keys were turned in ). Further more, without supporting documentation the collection agency can not make a valid claim. I further request, that the company make an ethical decision contacting all federal agency removing accusations until proven to be factual.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 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: WI

Complaint narrative:
why is things being reporting on a consumer reports such as late payments! violation of consumer reporting act!

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 2023-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Gurstel Law Firm, P.C.
State: NE

Complaint narrative:
I received a letter from a law firm, that was is acting on behalf of a debt collector that is acting on behalf of my bank. The letter is an attempt to collect a debt.

This is the FIRST time I have received a communication in the attempt to collect a debt from my bank. It appears to be weird as my XXXX ) bank did not attempt to collect a debt, XXXX ) the Collections Company has not sent any communications and XXXX ) the law firm letter was the first time I have seen this. Additionally, this is not showing on my credit report so I wonder if this is legitimate, especially if it is from the Bank. I have my Mortgage with them, a line of credit with them, both in good standing. I have a closed credit card with them that was closed ( paid in full ) in XXXX and it states as such on the credit report. 

The Bank has not information to give me as I do not have an account number to give them. 

I tried to log in to the Law Firm that is trying to collect the debt and I had to attest to all : - My account is not in dispute. 
- I am not a petitioner in any pending bankruptcy petition. 
- This account has not been discharged in a bankruptcy. 
- I have read the Privacy Statement and wish to continue with making a payment. My account is not in dispute. 

Because I am desputing the account through this CFPB, I assume I can not check this. I have to check all the boxes to access the account with the Law Firm. Seems unfair that I can not see what the account they have set up on my behalf in their site. 

I am going to respond to the letter with " this is my debt '' and " I want you to send me the name and address of the original creditor ''. and send the letter back. 

Being sent to XXXX ) collections and XXXX ) legal without prior notice doesn't seem right. Having no indications via the credit report that this is an attempt to collect a debt is also not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MA

Complaint narrative:
I have called MOHELA Several times and was not able to speak with anyone from the Loan Servicer the recording indicates there call volume is extremely high and is unable to take any calls at this time, I have been trying to confirm if they received my PSFL paperwork from my employer who is non-Profit for Public Student Loan Forgiveness. I have worked for almost XXXX. The recording for MOHELA indicates they have a high call volume and is unable to answer your call the wait time is XXXX XXXX and XXXX XXXX however that does not help when you are trying to speak with some-one about loans and no one is available, which is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I was overcharged for overdraft fees in the amount of {$300.00} with no explanation

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 2023-10-15 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: NY

Complaint narrative:
There are a few items on my report that I do not know of. XXXX XXXX XXXX XXXX XXXX XXXX XXXX and just got home there I see a XXXX  XXXX account I don't have and a support enforcement which I don't have. 

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

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 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute several hard inquiries that have appeared on my credit report, specifically the inquiries made by the following institutions on the respective dates : XXXX. XXXX XX/XX/XXXX and XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX and XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX. XXXX XX/XX/XXXX I believe these inquiries are the result of identity theft and are inaccurate. 

Under the Fair Credit Reporting Act ( FCRA ), Section 605 ( a ), credit reporting bureaus must remove inaccurate or incomplete information from your credit report within 30 days of receiving a dispute. The FCRA also prohibits credit reporting bureaus from reporting information that is the result of identity theft. 

I have attached an identity theft report that I filed with the Federal Trade Commission on XX/XX/XXXX. This report provides evidence that my identity was stolen and that the unauthorized inquiries on my credit report are a result of that identity theft. 

I request that you investigate these matters promptly and remove the unauthorized hard inquiries from my credit report. If you fail to do so, I will be forced to take further action, which XXXX include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies. 

Please send me a written response detailing the results of your investigation within 30 days for each of the inquiries listed. If any of the inquiries are found to be inaccurate or a result of identity theft, I expect them to be removed from my credit report within 30 days of your investigation. 

Thank you for your prompt attention to these matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
On the evening of XX/XX/XXXX, at about XXXX or XXXX XXXX, I was in XXXX, XXXX when I discovered via email that fraudulent charges had been made from my checking account. A XXXX transfer of about XXXX $ was done - I did not do this, was not involved. It was fraudulent and unauthorized. This has been reported to the police ( XXXX - that's where I was when I learned, and XXXX XXXX, given the possible connection to shared wifi and devices on XXXX XXXX ) and the CFPB. 

Upon further investigation, I found a that USAA, my bank, sent me an alert stating that someone accessed my account from an unknown and unauthorized device around XX/XX/XXXX or XX/XX/XXXX. I learned about this recently after this fraudulent transaction. Then, I found an additional XXXX unauthorized charges from an ATM. I searched for my debut card, which I don't use often, and found it was not in my wallet. I made the bank, USAA, aware of this and I also alerted them that my PIN ( both to the debit card and the account were compromised ). I share devices and WIFI with others on a college campus, and malware was discovered on public devices as well as my personal device. 

In addition to all of this, when I called USAA, the rep told me someone had been accessing my account from an XXXX device. My device, which has not changed for several years, is an XXXX. Someone has taken over my account, based on this evidence. I have changed the pin and also changed the password after it seems someone may have changed it to lock me out. This hasn't happened in XXXX hears of being a customer with this bank, and I would like the charges reversed and my account secured.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
In XXXX of XXXX, I needed a prepaid card like like a XXXXXXXX XXXX XXXX. I found American Express Serve card at XXXX. I was going to pay for the card and load money with my debit card but I was told I would have to pay with cash. I had to go to a ATM to pull them {$500.00} out and load it to the card. 

Once I purchased the card and loaded it with XXXX. I went to register the card and it didn't work. As I write this on XX/XX/XXXX, I've called and wrote letters. I still haven't heard from Serve on this issue. I have a card with {$500.00} that can't even be activate and says I have the wrong card information. I need help asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Company says because I reported fraud I can not have access to my account ( Credit report online ) ever again. If I want access to my report I have to get it mailed to me and also if I want to dispute anything I have to call or mail. I am being punished because of someone doing fraud through my account and this is not right!

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 2023-10-15 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Being pushed into getting a store credit card such as ( JC Penny ) Marshall 's ) TJMax ) at check out cashiers are relentless so saying no should be no. Also saying it will not effect your credit score, is intimidating when I no I do not want the credit card at all.

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 2023-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: NV

Complaint narrative:
I was checking my credit report through XXXX. Discovered debt with XXXX XXXX XXXXXXXX  for a Milestone credit card in 2019 that I never had possession of. The debt now shows up on credit report as Spring Oaks capital llc. Balance XXXX. I do not know where these charges came from. So I am disputing charges and debt because they are directly impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I closed my citibank account in XXXX. There were about $ XXXX remaining balance in my account. I was told that I would get a check for the remaining balance, but I never received it. 

After a couple of month, I called again Citibank customer service and was told that they'd cut a new check and mail it to me, but I never received it in my mailbox either.

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 2023-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mnet Financial Inc
State: OR

Complaint narrative:
On XX/XX/2023, I received a collection letter from MNET Financial LLC. In response, I promptly sent a verification letter via XXXX with certified mail on the same day. However, instead of providing the information requested, MNET Financial LLC sent a fabricated statement dated XX/XX/2023, containing generic information readily available on the internet. This statement did not verify my identity or validate the debt in question. 

MNET Financial LLC failed to fulfill the following obligations : 1. **Written Agreement : ** They did not provide a copy of the original written agreement that established my obligation to pay. 
2. **Billing Statement : ** MNET Financial LLC did not supply the last billing statement from the original creditor. Instead, they created a fictitious one after receiving my verification of debt letter. 
3. **Debt Acquisition Date : ** The date they acquired this debt from the original creditor was not disclosed. 
4. **Debt Due Date and Delinquency : ** They did not specify when the creditor claimed the debt became due or when it became delinquent. 
XXXX. **Collection License : ** MNET Financial LLC did not confirm if they held a valid debt collection license in my state. They omitted providing the license date, number, issuing agency 's name, address, and contact number. 
XXXX. **Licensing Information : ** They refused to acknowledge whether they held a collection license in the jurisdiction they are operating.

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