vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: NV

Complaint narrative:
On the XXXX of XX/XX/2019 I left my apartment in XXXX ( XXXX XXXX ) unbeknownst to me I owed money, this is due to a lack of communication on the property management team. ( noted on my XXXX reviews ) They assured me all my debts were settled at the final walkthrough. XXXX month later I see a collections notice on my credit report. I did not receive any notice at my new address from XXXX or the collections company ( pro collect ) even though I left a forwarding address. As soon as I found out I owed I paid on the spot. 
The collection became visible in XXXX and by XX/XX/XXXX I made a payment in full. I pay all my bills on time, car utilities etc .... I called procollect to question the validity of this and they switch on to full predatory mode and gave me a week to pay, I didn't have a problem paying however they didn't care, they threatened people with saying someone is refusing to pay if its not done within their timeframe. I Should not have to suffer because of predatory and non communicative individuals. Especially when someone does not have a history of defaulting on their payments. the highest balance I had on the debt is 0.

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 2022-01-11 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: FL

Complaint narrative:
I am writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of theFederal Trade Commissions Identity Theft Affidavit. Please delete the items immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: GA

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of theFederal Trade Commissions Identity Theft Affidavit. Please delete the items 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 non-monetary relief
Consumer complaint received 2022-01-11 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: TX

Complaint narrative:
Since XXXX of XXXX, I started and have been trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters were sent to the XXXX credit bureaus : Experian, XXXX and XXXX on XX/XX/XXXX and nothing has been done.

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 2022-01-11 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: LEXISNEXIS
State: FL

Complaint narrative:
My name is XXXX XXXX. I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Medical Management, Inc.
State: NJ

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself. Regardless of the multiple written requests, the XXXX XXXX  accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( XXXX XXXX XXXX, XXXX XXXXY XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself. I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Equifax Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 

( ( XXXX XXXX : ) XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There Addresses that are listed do not belong to me. I have never lived at any of the addresses that are posted on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MN

Complaint narrative:
I took applied for and was approved for a payday loan, however, I have had an extremely tough financial hardship and honestly couldn't even afford XXXX dollars monthly to pay off my debts. I don't know if I need to explain the whole story. Basically, I am just wanting it to be known that I am going to and in the process of trying to get the situation resolved. My parents have been harassed, however, and they keep attempting to take it out of my bank account without my approval. Please advise on what I can do to get this issue resolved, thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
To : XXXX My tax preparer told me things are off because of an NFCU banking error. On XX/XX/2021 a {$1500.00} transfer from an account ending XXXX was made to an account ending XXXX. The transfer was made in error. Account XXXX immediately transferred the {$1500.00} back to account XXXX - same day. Account XXXX shows the transfer was made, however ; the {$1500.00} was never posted back to account XXXX. Account XXXX had a balance of {$3600.00} prior to the transfer. After the transfer occurred, the balance went down to {$2100.00} however account XXXX reversed the transfer so the balance in XXXX should have gone back to {$3600.00}. However, it stayed at {$2100.00}. NCFU refuses to correct the error and {$1500.00} is missing from account XXXX. This is not the first time that I had to file a CFPB complaint, in the past, NFCU tried to hinder my tax filing by refusing to correct a 1099 form. Pursuant to the Dodd-Frank Act, CFPB has the authority to take action against institutions or individuals continuously engaging in unfair, deceptive acts and practices which violate federal consumer financial laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/XXXX, Huntington Bank sent me a text saying that they believe my checking account had an unauthorized payment of XXXX cents as an international fee. Of course this was not me so I sent them back a text saying yes this is indeed not authorized. A few minutes later I check my checking account to see Huntington Bank had let XXXX different transactions all for the same amount of {$28.00} from XXXX go through. These payments occurred in a different state ( New York ) and I live in Ohio. I immediately called them and told them these payments were not authorized and that my account was comprised. They closed my account and gave me a new card in the mail a few days later. On XX/XX/XXXX I was refunded this money of XXXX payments of {$28.00}, a total of {$260.00}. However, on XX/XX/XXXX this money was again taken out of my account from Huntington Bank and they informed me that they did believe the payments were authorized. I have been fighting with them for months over this issue but theyre still disagreeing and saying these payments were authorized when they were clearly not. I was even told the reason why they believe they were authorized was because of my old card being used on an XXXX XXXX account. I have not recently added that card to any XXXX XXXX account. The only thing I can think of is that my old card was still on my XXXX XXXX account and I accidentally may of tried to use it on two different purchases. XXXX not sure why this would matter as it has absolutely nothing to do with the XXXX separate transactions from a completely different state along with the international fee occurring right before. Im very disappointed in my service and feel like Huntington Bank is treating me unfairly and would like my money back into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
There was a {$1000.00} unauthorized transaction which Venmo refuses to fix. Further, they refused to provide any documentation regarding why they are refusing to take care of the situation even though Venmo itself offered to provide ( and I requested ) such documentation. Also they will not call me to discuss even though I've asked multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: FL

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX 2021. And now we are in the month of XXXX 2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX REV ( Original Creditor : 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 2022-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The addresses that are listed do not belong to me. I have never lived at any of these addresses that are posted on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
{$1800.00} with LVNV Funding LLC ( current creditor of your original XXXX Bank ( XXXX XXXX XXXX ) account ). 

Basically I was XXXX  and told to pay my debt from a third party company, which I was not notified in any way that my debt went to collections and this all happened during the pandemic, therefore It was more difficult and disappointing. My score went down drastically and it hurt me financially because It was hard for me to qualify for more credit. Lenders see me risky and difficult to apply for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The addressed that are listed do not belong to me. I have never lived at any of those addresses that are posted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
{$1800.00} with XXXX XXXX XXXX ( current creditor of your original Synchrony Bank ( PayPal Smart Connect ) account ). 

Basically I was harassed and told to pay my debt from a third party company, which I was not notified in any way that my debt went to collections and this all happened during the pandemic, therefore It was more difficult and disappointing. My score went down drastically and it hurt me financially because It was hard for me to qualify for more credit. Lenders see me risky and difficult to apply for anything.

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 2022-01-11 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I have never signed an agreement. This is not the original creditor. This is a duplicate account. 

Title 16 CFR 433.1 Consumer credit contract. Any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of this section. 

18 U.S. Code 1341 - Frauds and swindles Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, or to sell, dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure for unlawful use any counterfeit or spurious coin, obligation, security, or other article, or anything represented to be or intimated or held out to be such counterfeit or spurious article, for the purpose of executing such scheme or artifice or attempting so to do, places in any post office or authorized depository for mail matter, any matter or thing whatever to be sent or delivered by the Postal Service, or deposits or causes to be deposited any matter or thing whatever to be sent or delivered by any private or commercial interstate carrier, or takes or receives therefrom, any such matter or thing, or knowingly causes to be delivered by mail or such carrier according to the direction thereon, or at the place at which it is directed to be delivered by the person to whom it is addressed, any such matter or thing, shall be fined under this title or imprisoned not more than 20 years, or both. If the violation occurs in relation to, or involving any benefit authorized, transported, transmitted, transferred, disbursed, or paid in connection with, a presidentially declared major disaster or emergency ( as those terms are defined in section 102 of the XXXX XXXX XXXX XXXX XXXX and Emergency Assistance Act ( 42 U.S.C. 5122 ) ), or affects a financial institution, such person shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both. 
( XX/XX/XXXX, XXXX. XXXX, XXXX XXXX. XXXX ; XX/XX/XXXX, XXXX. XXXX, XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, ( XXXX ) ( j ) ( XXXX ), XXXX XXXX, XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, title XXXX, XXXX ( i ), XXXX XXXX, XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, title XXV, XXXX ( h ), XXXX XXXX, XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, title XXV, XXXX, title XXXIII, XXXX ( XXXX ) ( H ), XXXX XXXX, XXXX, XXXX Stat. XXXX, XXXX ; Pub. XXXX XXXX, title XXXX, XXXX ( a ), XX/XX/XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX XXXX. And now we are in the month of XX/XX/XXXXXXXX  and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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