vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CL Holdings LLC
State: WA

Complaint narrative:
Jefferson Capital has repeatedly continued to call me at XXXX XXXX every day for the last 5 days including this morning XXXX I have told them to stop contacting me and that all communication should be through mail. They claim that its based off of my phone numbers area code yet Ive told them I dont live where the area code for my cellphone is registered. I asked them to send a letter to the address on file and stop phone communication. Yet Im woken up every day 26 minutes before I have to get up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The student loan account balance is incorrect. It shows balance total on my credit report is {$11000.00}. It should be {$6200.00}. I can not get trans union credit reporting to correct it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act The Department of Education XXXX Account # XXXX, has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I, Consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.I recently received a copy of my credit report and noticed some accounts on my report that should not be there. The agencies ( TransUnion, XXXX and XXXX ) are in violation of 15 USC ss1692g. They were to notify me in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt, I do not Validate this debt therefor the following accounts must be deleted from my report immediately : Account name : XXXX XXXX XXXX, Opened : XX/XX/XXXX Amount : {$15000.00} Account Name : XXXX XXXX XXXX  XXXX, Opened : XX/XX/XXXX, Amount : {$2100.00} Account Name : XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX, Amount {$4300.00} Account Name : XXXX XXXX XXXX Opened XX/XX/XXXX, Amount {$150.00} Account Name : XXXX XXXX XXXX, Opened XX/XX/XXXX, Amount {$150.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15 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: NJ

Complaint narrative:
I, Consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.I recently received a copy of my credit report and noticed some accounts on my report that should not be there. The agencies ( XXXX, XXXX and Experian ) are in violation of 15 USC ss1692g. They were to notify me in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt, I do not Validate this debt therefor the following accounts must be deleted from my report immediately : Account name : XXXX XXXX XXXX, Opened : XX/XX/XXXX Amount : {$15000.00} Account Name : XXXX XXXX XXXX  XXXX, Opened : XX/XX/XXXX, Amount : {$2100.00} Account Name : XXXX XXXX XXXX, Opened : XX/XX/XXXX, Amount {$4300.00} Account Name : XXXX XXXX XXXX Opened XX/XX/XXXX, Amount {$150.00} Account Name : XXXX XXXX XXXX, Opened XX/XX/XXXX, Amount {$150.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously Submitted a complaint asking for these accounts to be deleted since I did not give written instructions for them to be furnished and the company ( Equifax ) responded and said I need to contact the inquiry companies directly and to follow their internal fraud procedures, but they ( Equifax ) are the ones that furnished the inquiries on my credit report without my permission not the original creditor. I have already sent a complaint to XXXX regarding said inquiries. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
Indigo ( genesis card service ) is refusing to close my account after I paid it off and asked for it to be closed. They are playing games and lying to me and it is beyond frustrating. I keep receiving bills for {$0.00} and my account is still open. They are keeping my account open for their own purposes against my will. I have lost hours of my life trying to get them to close my account but they just continue to lie to me and tell me its been closed when it very clearly has not been. I WANT MY ACCOUNT CLOSED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
I recently just paid my AVANT credit card balance down to {$0.00}. On XX/XX/2022, I received XXXX unexplained credit transactions from XXXX different names that I never heard of. The names showing up on my billing statement were XXXX XXXX and XXXX XXXX. Both charged me for the amount of {$95.00} each thus totaling {$190.00}. I tried to call AVANT XXXX XXXX about the problem several times but no one answered or returned by calls. The reference number for both transactions are the following : ( Transaction A ) XXXX ( Transaction B ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: FIRST ADVANTAGE CORPORATION
State: RI

Complaint narrative:
First Advantage XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX provided an incorrect information on the background report contacting the wrong Company XXXX  for verification on XX/XX/2022. placing that my education tittle was refused causing delays on my starting day of work. 

This wrong process is holding my future employer to starting me on the new job. 
The Education reference from XXXXXXXX XXXX XXXX XXXXXXXX for my XXXX  diploma on XXXX XXXX XXXX XXXX XXXX XXXX XXXX has to be collect from The Department of education of XXXX. 

Missing and information not provided because they are calling to a different place that is not the right place for the XXXX de XXXX XXXX. 
I'm including the XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the list of the close institution and request transcriptions, however i am providing them as a support of my education to be correct ASAP. 

must call to the Department of Education in XXXX XXXX for XXXX XXXX XXXX XXXX, XXXX XXXX PR XXXX EMail XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My Credits and XXXX showed under my original birth name XXXX XXXX XXXX XXXX that was changed legally XXXX  years ago to XXXX XXXX XXXX and all the federal and state ID at up to date with the changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Nelnet, Inc.
State: VA

Complaint narrative:
The student loan account balance is incorrect. It shows balance total on my credit report is {$11000.00}. It should be {$6200.00}. I can not get XXXX XXXX credit reporting to correct it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act under its laws : XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy in accordance with the written instructions of the consumer to whom it relates. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I have not given permission for XXXX XXXX XXXX to furnish and or report any of my account information to the public or any credit bureau agency without accurate compliance with State & Federal Laws being applicable throughout. 15 U.S.C 1681 Section 623 ( a ) ( 1 ) ( A ) also prohibits furnishing information to any CRA if the furnished " knows or has reasonable cause to believe that the information is inaccurate '' which in this case it is. This information is inaccurate. I appreciate your prompt attention to this matter. Given that the furnisher has violated my rights, I am challenging this account. I am formally requesting this account be removed, deleted, and excluded immediately. This improper reporting is against the law. Thank you for your time and help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have family members with the same name. I have also been a victim of fraud and breaches. This is all public knowledge. This causes a issue with creditors mixing up information. I have an alert on my credit to warn creditors to verify information and how to reach me directly. This account does not belong to me I have been disputing it for years with all 3 reporting agencies. I have never received a letter, any notice, communication, I reached out to the original creditor and this account information has identity variations from mine which led to us to attempting to locate it on the phone for over 2hrs and me speaking to multiple supervisors. If I received no written notice prior or no response to my request following this incident, how can I protect myself as a consumer or correct a issue. How can you ethically- expect to to hold me responsible for this account? This company and the debt collector failed to provide me with ANY documentation, this includes prior to selling my personal information to this new debt collection legal agency. I never received a letter with my consumer rights, or a notice of debt collection. The debt collector has also not reached out to provide me with my rights I continued to dispute requesting any documentation in writing via mail never received any communication directly from creditor or debt collector. This is Deceptive And Unfair as it portrays to be a account that belongs to me but has no proof and my credit has suffered the consequences. While attempting to utilize my credit this negative impact is Publicized and embarrassing to my financial reputation and the current creditor has not reached out to me with the original contract yet. Please remove this account from XXXX XXXX and XXXX. This is listed as a Collection as of XX/XX/2018 it has hindered me for four YEAAARRRRS, even in a pandemic and national economic hardship. I think I have suffered and been lied to enough as a minority just learning about financial literacy i feel cheated out of the opportunities i could have had financially if i would have known my rights sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, TX XXXX This company is reporting a debt collection " XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Acct # XXXX past due balance {$370.00} XXXX XXXX. 

I have sent multiply certified letters to this company requesting a contract with my signature on it relating to this collection or remove it. They have been unsuccessful in supplying with any original documentation of any sort and still the collection remains on my reports as accurate and verified. I have indicated that I do not know this company, I have never done any business with this company.This company does not have a contract with my signature. XXXX did the reinvestigation and removed the collection. I also sent this notification to the above company, No results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: BYL Collection Services
State: MO

Complaint narrative:
I have contacted the creditor and they can't find it cause they were paid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
This is my second CFPB complaint regarding this issue. I opened an AmEx gold card on XX/XX/2021 with a {$250.00} restaurant credit promo ( which I received ) and XXXX membership rewards points after {$4000.00} spend. It has been nearly six months since I reached the spend and have yet to receive my points. I have called and messaged several times, each time being told to wait an additional XXXX weeks for the points to post. 

The response to my last CFPB complaint regarding this indicated I would receive separate communication which has not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously Submitted a complaint asking for these accounts to be deleted since I did not give written instructions for them to be furnished and the company ( Equifax ) responded and said I need to contact the inquiry companies directly and to follow their internal fraud procedures, but they ( Equifax ) are the ones that furnished the inquiries on my credit report without my permission not the original creditor. I have already sent a complaint to XXXX regarding said inquiries. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: Colony Brands, Inc.
State: CT

Complaint narrative:
I was fraudulent with my identity 7 years ago with this company Montgomery Ward I tried to dispute this off my credit report as inaccurate, no knowledge to this account, fraudulent for the amount of {$430.00} date opened on XXXX, XXXX, XXXX it's a charge off account with no payments for many years now its fraud I reached out many times to Montgomery Ward I got no answers no resolution nothing but a update on my credit report as accurate for XXXX XXXX, XXXX a new current date this is not my account it's fraudulent I need help to solve this manner its hurting my credit worthiness my life is on hold because of this action

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion, XXXX XXXX XXXX, XXXX, PA XXXX Phone : XXXX I opened a dispute XX/XX/XXXX regarding an alleged revolving credit card issued by XXXX XXXX Bank XXXX The account is fraudulent and was obtained by fraud ... in other words I DID NOT OPEN THE ACCOUNT BUT IT IS ON THE REPORT. 

TransUnion decided that account is 'verified ' and when I contacted them, they demanded more information ( HOW? I DID NOT OPEN THE ACCOUNT! ), and then they hung up on me. 

I have the TransUnion File Identification Number for this dispute if needed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I contacted Navient regarding the lawsuits and my private loan forgiveness. I attended a listed school within the time frame and met the qualifications for forgiveness as I read and understood them. When I spoke to a representative they said they had no information in my file regarding the forgiveness or lawsuits. I received the initial postcard that was send confirmation I qualified and made sure my information was updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: RI

Complaint narrative:
Venmo suspended my account without any explanation. I have been trying to get this resolved for three weeks and no one can tell me why it was suspended or how to fix the issue. When I called I was told it would take 7 business days to look into. I'm still waiting two weeks later. They are holding money in their account that I need access to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/2017 {$1000.00} wrongfully reported false information. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account number:XXXX  of 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I have several store cards through Comenity. For close to a month I have been unable to access my account or make payments. I have called to pay through the phone, but I am also unable to make payments there. They say the call center is closed and/or is unable to access our accounts. 

They had a banner on their site that they will only be suspending late fees for people trying to pay through XX/XX/XXXX. They also direct to pay via an easy payment option that is also not working. 

I have no way to pay my cards and I'm worried I will accrue late fees and will get reported to the credit bureaus.

Company response to consumer: Closed with monetary relief