vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-09 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Consumer Opt-Out XXXX XXXX XXXX XXXX XXXX Tx XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : This letter is being written to dispute the account, which I have done several times. You have responded by stating that the creditor or collection agency verified the account. I have contacted the collection agency/creditor on several occasions as well, and they have yet to respond to my dispute, therefore, your company could not have reached them concerning this debt. Fair Credit Reporting Act requires that you respond to my dispute within 30 days as well as verify it's accuracy. If the account can not be verified, your company must delete the account from my credit report. If you can't show proof that you have verified this debt and you continue to list this item on my report, I am prepared to sue your company under the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My cell phone was stolen about a week ago ..And my mail box key at friends and XXXX XXXX on XXXX in XXXX won't close my account because they changed my pin number without notification... please help I just opened this account and I need it ... I had an previous relationship with an XXXX XXXX XXXX and I think it's them. ... ( XXXX XXXX or 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 monetary relief
Consumer complaint received 2023-05-09 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: Nelnet, Inc.
State: TX

Complaint narrative:
On Sunday XX/XX/2023 I awoke to notifications from my credit monitoring service that there were new late payments being shown on my credit report on all three bureaus (XXXX XXXX XXXX) from Nelnet servicer.  I quickly checked my account and found that it was in good order on line.  This has caused my credit score to drop XX/XX/XXXX points and is making approvals difficult.  

I am not late.  Even though I have been making payments, at the moment, all payments are paused by the Cares Act, specifically addressing how credit reporting will be done:

d) REPORTING TO CONSUMER REPORTING AGENCIES.During 
the period in which the Secretary suspends payments on a loan 
under subsection (a), the Secretary shall ensure that, for the purpose of reporting information about the loan to a consumer reporting 
agency, any payment that has been suspended is treated as if 
it were a regularly scheduled payment made by a borrower. 

I hope that his is taken care of by Nelnet, but retain my right to litigate if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: FL

Complaint narrative:
XXXX XXXX XXXX : I disputed the above account severa times and it came back verified and I want to know in the world is possible to verify something inaccurate and illegitimate especially when it violates my consumer right. XXXX, XXXX and Transunion are working in cahoots with XXXX XXXX XXXX to blatantly trample and violate my consumer right under the FCRA. 

According to : 15 USC 1681, I have the right to privacy and USC 1681-2 A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors, A person shall not furnish information relating to a consumer to any consumer reporting agency if -- -- - ( I ) The person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, and ( II ) The information is, in fact inaccurate I am a natural person, I am a living human being, I have rights under 15 USC 1681 and these companies are governed by these laws and they violate my rights time and time again. I have a right to privacy and did not give these companies written permission to report the above misleading information which paralyze my way of living. 

I can go on and on showing blatant violations for the reporting agencies...

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 2023-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I got a series of emails from Bank of America on XX/XX/23 asking to confirm my email, welcome to online banking, and the online banking account could not be opened- you will need to visit a branch and bring form of I.D . I do not have any accounts with Bank of America, only XXXX. I went to a Bank of America branch on XX/XX/23 and they looked up any accounts linked to my social security number and one popped up. There were no funds in the account and the address on file was an old address I used to live at. Bank of America stated I was the 5th person to come in recently to have this happen to. They advised me to freeze my credit and/or request a new social security number. I called XXXX, XXXX, and XXXX to place a freeze on my credit. I also filed a case with the FTC for Identity Theft.

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 2023-05-09 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-05-09 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: CL Holdings LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX  Ive been disputing this account for over 10years

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: CA

Complaint narrative:
By the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my credit report. There's an account that is written as a CHARGE OFF ACCOUNT but failed to receive the XXXX cancelation of debt form, because of that this account is inaccurate and needs to be removed from my credit report immediately. As well as several violations made reporting incorrect name variations. incorrect address variations, and incorrect late payment variations. XXXX or more of these violations violate my right to Privacy. These violations must be removed from my credit profile Immediately. I have reached out to all XXXX credit bureaus Experian, XXXX, and XXXX via certified letters and also provided proper identification to prove my identity yet have received no update or change to my credit profile.

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 2023-05-10 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to

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 2023-05-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
No knowledge of this account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: IL

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 




5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 


11. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account.

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 2023-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Someone opened up an account in my name on XX/XX/2023 for XXXX and charged up to {$840.00} and let it go to collections. The address associated was XXXX XXXX XXXX XXXX, TX XXXX I never lived here. I have lived at XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX for over 12 years and XXXX, TX prior to that. The number and address associated with the company is ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX The collections company is CREDENCE RESOURCE MANAGE Account number XXXX This needs to be addressed please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 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: The Law Offices of Mitchell D. Bluhm & Associates
State: VA

Complaint narrative:
Law offices MBA placed a medical debt on my report, i sent a certified letter requesting full validation of debt which i havent received. As well as the debt to be validated before reporting on my credit report which they are reporting to all 3 bureaus with out my consent or validation of debt as requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 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: FL

Complaint narrative:
XXXX XXXX XXXX : I disputed the above account severa times and it came back verified and I want to know in the world is possible to verify something inaccurate and illegitimate especially when it violates my consumer right. XXXX, Equifax and XXXX are working in cahoots with XXXX XXXX XXXX to blatantly trample and violate my consumer right under the FCRA. 

According to : 15 USC 1681, I have the right to privacy and USC 1681-2 A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors, A person shall not furnish information relating to a consumer to any consumer reporting agency if -- -- - ( I ) The person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, and ( II ) The information is, in fact inaccurate I am a natural person, I am a living human being, I have rights under 15 USC 1681 and these companies are governed by these laws and they violate my rights time and time again. I have a right to privacy and did not give these companies written permission to report the above misleading information which paralyze my way of living. 

I can go on and on showing blatant violations for the reporting agencies...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IN

Complaint narrative:
The company, Carrington Mortgage Company, purchased our mortgage from XXXX XXXX Mortgage on XX/XX/XXXX. We had paid XXXX our XXXX payment on the XXXX and that didn't get transferred over to the new lender. While under their own 60-day grace period, we received our first notice of intent to foreclose. 

We went above and beyond to secure the loan and get it back to positive, even though that meant that we made two payments for XXXX. Once that was settled, on XX/XX/XXXX, we get notified that our monthly payments have increased {$180.00} to cover an escrow account that only covers our insurance. They reported that they paid our insurance and didn't have any money in an escrow account, nor did they receive any of the escrow money that was collected by XXXX XXXX XXXX. 

After talking with my insurance carrier, XXXX XXXX, they informed me that my insurance actually decreased. We are still being held responsible for what money they ( Carrington ) didn't collect from our previous ( XXXX ) and raising our monthly payment past our means to pay. It feels like they intend to push us out of our house and liquidate the asset.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Consumer Opt-Out XXXX XXXX XXXX XXXX XXXX Tx XXXX Acct : XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : This letter is being written to dispute the account, which I have done several times. You have responded by stating that the creditor or collection agency verified the account. I have contacted the collection agency/creditor on several occasions as well, and they have yet to respond to my dispute, therefore, your company could not have reached them concerning this debt. Fair Credit Reporting Act requires that you respond to my dispute within 30 days as well as verify it's accuracy. If the account can not be verified, your company must delete the account from my credit report. If you can't show proof that you have verified this debt and you continue to list this item on my report, I am prepared to sue your company under the Fair Credit Reporting Act. 

Sincerely, 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 2023-05-09 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Consumer Opt-Out XXXX XXXX XXXX XXXX XXXX Tx XXXX Acct : XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : This letter is being written to dispute the account, which I have done several times. You have responded by stating that the creditor or collection agency verified the account. I have contacted the collection agency/creditor on several occasions as well, and they have yet to respond to my dispute, therefore, your company could not have reached them concerning this debt. Fair Credit Reporting Act requires that you respond to my dispute within 30 days as well as verify it's accuracy. If the account can not be verified, your company must delete the account from my credit report. If you can't show proof that you have verified this debt and you continue to list this item on my report, I am prepared to sue your company under the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/23 I noticed my bank account balance was lower than it should be and when I opened up my banking app I seen 21 ATM withdrawals for a total amount of {$3200.00}. The withdrawals were made in {$100.00} or {$200.00} increments. I immediately contacted JP Morgan Chase bank and reported these fraud withdrawals. I made contact with the bank daily checking on the status of my claim. After 7 days I received the initial temporary credit into my account. I went on with life as usual and never heard anything about the claim. 
On XX/XX/23 without any communication the credits were reversed. I immediately contacted the bank to which I have had 0 resolution. I was told my claim was " denied ''. I am currently on a list waiting for a manager to call me back regarding this. 

Initially there were 2 claims because my savings account was also " drained '' on XX/XX/23 for {$700.00}. They required there to be 2 claims since there were 2 accounts involved. The strange part is the Savings account claim was " approved '' and the monies remained in that account. I was told the approval was " set in stone ''. 

So why or how could they deny one claim and approve the other when everything about the claims were identical. Same day, same time, same type.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Arcadia Holdings, LLC
State: CT

Complaint narrative:
Thank you first and foremost for representing people like myself whom feel absolutely violated by these criminals. 

I received medical services last year, and received a bill from XXXX XXXX ( XXXX ) indicating that I owed more money than my explanation of benefits letter indicated I should pay. XXXX indicated I owed over them over {$400.00}, whereas my EOB indicated I owed ~ {$160.00}. This claim was ultimately handed from XXXX to Arcadia collection agency as there was still a discrepancy in the amount to be paid, with me refusing to pay more than my EOB. At this time I contacted XXXX, my claim representative, and they had a cease a desist letter filed to Arcadia to halt any further harassment to myself. 

XXXX also advised me to pay the EOB amount only ( ~ {$160.00} ) to Acadia to prevent all further interactions with them and also advised to hand write a letter to Arcadia indicating they were no longer to harass me, which I did. 

Unfortunately, despite the hand written letter and the cease and desist letter filed, these thieves have attempted yet again to send me a physical letter demanding me to pay the remains amount of the {$400.00}, Without any proof of indicated payment due and even going so far as to suggest I outright pay them and then ask the insurance company to pay me back ... .... I am outraged. 

They may retort that the case is closed and that I have a XXXX balance. This however, is not at all what concerns me. It is their violation of the FDCPA that they need be held accountable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Hello, my name is XXXX XXXX. there is a credit collection from LVNV FUNDING LLC supposedly opened on XX/XX/2022 on my account that has been settled & removed due to the reasoning being " I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravins ( mo ) 281 SW 715, 719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. '' This account has been sold to another company and now the collection is reappearing after it has been removed in the past. 

The credit bureaus have not accurately removed this account due to false information. 

This collection needs to immediately be removed.

Company response to consumer: Closed with explanation