vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-10 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: FL

Complaint narrative:
NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To whom it concerns, I recently received a copy of my consumer reports ( XXXX, XXXX, XXXX ), and I noticed that your company is reporting Late Payments on my consumer report. 

DEPT OF EDUCATION-NELNET ( XXXX ) DEPT OF EDUCATION-NELNET ( XXXX ) Your company is in clear violation of the law. Under 15 U.S. Code 1681 ( b ) permissible purpose of consumer reports. THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Please answer the following questions : - Did I give you written instructions to furnish this account on my consumer report?

- Do you have a Power of Attorney to act on my behalf that was signed and certified by a Third-Party to confirm your authority to act?

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the Consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 U.S. Code 1681.

You have 10 calendar days to update my account and remove ALL late payments that are reporting. 

DEPT OF EDUCATION-NELNET ( XXXX ) DEPT OF EDUCATION-NELNET XXXX XXXX ) Your failure to respond satisfactorily with the deletion of the above Utilization will result in REDRESS being taken against NELNET and its CEO XXXX XXXX XXXX XXXX, for which I will also be seeking a sum certain $ XXXX United Stated Dollars per violation for : 1 . Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15 U.S. Code 1681 violations for willful noncompliance section 616. Civil Liability for willful noncompliance [ 15 U.S. Code 1681n ] Govern Yourselves Accordingly. 

Regards, XXXX : XXXX, XXXX rep/agent/living beneficiary/grantor all rights reclaimed and reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: Finance System of Toledo, Inc.
State: CA

Complaint narrative:
This is an addendum to my previous XXXX As soon as this office closed this complaint, the account re-appeared back on my credit file. 
This kind of business practice should be against the law. They responded that they did not know what I was talking about, or that I needed to provide proof that this manufacturer XXXX debt was being reported by them on my credit report, they temporarily took the line off of my report, during your initial investigation and upon completion they added it back to my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BankofAmerica Why is your team refusing to return money that was stolen from me? You know fraud was going on during the pandemic and billions were stolen. I have a police report and the money is insured. My whole identity was stolen. This is stressful and effecting mental heath. Card was used everywhere without my consent, claims w edd filed without my consent. I never received anything. I had covid 3 times since all of this started. For a year you let them steal from me and now you wont pay the rightful account owner. All I ask is to be treated fairly.

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 2022-11-10 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: U.S. BANCORP
State: CA

Complaint narrative:
My father passed away on XX/XX/XXXX. I notified his credit card companies ( Elan and XXXX XXXX ). Both said that the accounts would be closed and no additional charges could be made. Per my request, Elan sent a refund for {$120.00} on XX/XX/XXXX, as there was a credit on the account. 

My deceased father received an XXXX statement from Elan with a {$49.00} charge from XXXX XXXX XXXX MD. XXXX ) I have no idea who this is, and XXXX ) there were not supposed to be any additional charges on this card as of XXXX. 

I called Elan on XXXX. At this time, representative XXXX told me that the account was not closed. She referred me to the deceased cardholders department. 

I called this department on XX/XX/XXXX. Representative XXXX said that they have kept the account open for charges bc they didn't receive a death certificate from me and couldn't find one as part of public records ( In contrast, XXXX found it in public records and closed the account immediately when I called them. ) XXXX says that I must fax the death certificate and wait around 2 weeks for it to be processed. In the meantime, the estate is financially responsible for any charges made on the card. 

Regarding the current charge, she said it is up to me to contact the business. However, I don't have any information on how to do so.

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 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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. 

FOR EQUIFAX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX FOR XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX FOR XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
ACCORDING TO 15 U.S. CODE 6803-DISCLOSURE OF INSTITUTION PRIVACY POLICY, AND ACCORDING TO U.S. CODE 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION. ( b ) OPT OUT ( 1 ) IN GENERAL A FINANCIAL INSTITUTION MAY NOT DISCLOSE NONPUBLIC PERSONAL INFORMATION TO A NONAFFILIATED THIRD PARTY ( XXXX, XXXX, AND XXXX. ) UNLESS- ( A ) SUCH FINANCIAL INSTITUTION CLEARLY AND CONSPICUOUSLY DISCLOSES TO THE CONSUMER, IN WRITING OR IN ELECTRONIC FORM OR OTHER FORM PERMITTED BY THE REGULATIONS PRESCRIBED UNDER SECTION 6804 OF THIS TITLE. ALSO ACCORDING TO THE " GRAMM-LEACH-BLILEY ACT '', FINANCIAL INSTITUTIONS MUST TELL THEIR CUSTOMERS ABOUT THEIR INFORMATION-SHARING PRACTICES AND EXPLAIN TO CUSTOMERS THEIR RIGHT TO " OPT OUT '' IF THEY DON'T WANT THEIR INFORMATION SHARED WITH CERTAIN THIRD PARTIES. UNDER THE FDCPA, A COLLECTOR MUST PROVIDE YOU WITH INFORMATION ABOUT THE DEBT IN ITS INITIAL COMMUNICATION OR WITHIN FIVE DAYS AFTER THE INITIAL COMMUNICATION. ALSO, THE FDCPA STATES, " YOU CAN NOT ATTEMPT TO COLLECT AN DEBT WHILE A PERSON ( THE CONSUMER ) SUPRESS VALIDATION. XXXX, XXXX, XXXX, AND THE ACCOUNTS LISTED BELOW HAVE CLEARLY VIOLATED MY RIGHTS : XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX  ACCOUNT # XXXX, AND XXXX  ACCOUNT # XXXX. FAILURE TO RESPOND SATISFACTORILY WITH DELETIONS OF ALL THE ABOVE ACCOUNTS WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST, XXXX, XXXX, XXXX, WHICH I'LL BE SEEKING A {$1000.00} PER VIOLATION FOR DEFAMATION OF CHARACTER ( PER XXXX ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD. 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOMPLIANCE-616 CIVIL LIABILITY FOR WILLFUL NONCOPLIANCE.

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 2022-11-10 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:
ACCORDING TO 15 U.S. CODE 6803-DISCLOSURE OF INSTITUTION PRIVACY POLICY, AND ACCORDING TO U.S. CODE 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION. ( b ) OPT OUT ( 1 ) IN GENERAL A FINANCIAL INSTITUTION MAY NOT DISCLOSE NONPUBLIC PERSONAL INFORMATION TO A NONAFFILIATED THIRD PARTY ( TRANSUNION, XXXX, AND XXXX. ) UNLESS- ( A ) SUCH FINANCIAL INSTITUTION CLEARLY AND CONSPICUOUSLY DISCLOSES TO THE CONSUMER, IN WRITING OR IN ELECTRONIC FORM OR OTHER FORM PERMITTED BY THE REGULATIONS PRESCRIBED UNDER SECTION 6804 OF THIS TITLE. ALSO ACCORDING TO THE " XXXX  ACT '', FINANCIAL INSTITUTIONS MUST TELL THEIR CUSTOMERS ABOUT THEIR INFORMATION-SHARING PRACTICES AND EXPLAIN TO CUSTOMERS THEIR RIGHT TO " OPT OUT '' IF THEY DON'T WANT THEIR INFORMATION SHARED WITH CERTAIN THIRD PARTIES. UNDER THE FDCPA, A COLLECTOR MUST PROVIDE YOU WITH INFORMATION ABOUT THE DEBT IN ITS INITIAL COMMUNICATION OR WITHIN FIVE DAYS AFTER THE INITIAL COMMUNICATION. ALSO, THE FDCPA STATES, " YOU CAN NOT ATTEMPT TO COLLECT AN DEBT WHILE A PERSON ( THE CONSUMER ) SUPRESS VALIDATION. TRANSUNION, XXXX, XXXX, AND THE ACCOUNTS LISTED BELOW HAVE CLEARLY VIOLATED MY RIGHTS : XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNT # XXXXXXXX XXXX XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX XXXX XXXX ACCOUNT # XXXX, AND XXXX ACCOUNT # XXXX. FAILURE TO RESPOND SATISFACTORILY WITH DELETIONS OF ALL THE ABOVE ACCOUNTS WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST, TRANSUNION, XXXX, XXXX, WHICH I'LL BE SEEKING A {$1000.00} PER VIOLATION FOR DEFAMATION OF CHARACTER ( PER SE ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD. 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOMPLIANCE-616 CIVIL LIABILITY FOR WILLFUL NONCOPLIANCE. THIS IS THE THIRD TIME I'VE SUBMITTED A COMPLAINT, AND THE REPONSE I GET IS " YOU CAN NOT LOCATE MY CREDIT REPORT! '' THIS IS CLEARLY NEGLIGENCE.

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 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
A late payment has been added to my account 3 times erroneously. I checked my credit report recently and it even says that I have a 30 day late XXXX & XX/XX/2022. How can that be on an acct thats been closed since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: AVANTE
State: NJ

Complaint narrative:
Avante USA sent me a letter on XX/XX/2022 claiming I owed an alleged debt of XXXX I immediately responded with a written letter by via mail with return receipt with a written cease and desist notice with tracking # XXXX which was received and returned back to me. You then send me another letter on XX/XX/2022 this is a violation of 15 USC 1692c ( c ) which says If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer the debt collector shall not communicate further with the consumer with respect to such debt, except to advice the consumer that the debt collector 's further efforts are being terminated, to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor, or where applicable, to notify the consumer that the debt collector or creditor intends to invoke a remedy. If such notice from the consumer is made by mail, notification shall be completed upon receipt. Your actions caused me great stress, anxiety, and duress, according to 15 USC 1692k to any person is liable to such person in an amount equal to the sum of any actual damage sustained by such person as a result of such failure in the case of any action by an individual, such additional damages as the court may allow but not exceeding XXXX. I have attached proof of this company Avante USA sending me a letter on XXXXwhich I didn't receive until XX/XX/2022 and a letter of me responding with a cease-and-desist letter with return receipt and them sending me another letter on XX/XX/2022 still claiming I owe them a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I received a call from my XXXX brother from someone who called and claimed that they attempted to deliver documents to me but could not reach me. 

I reached out to the number and it was connected with XXXX XXXX XXXX, and the contact person was XXXX XXXX. 

This person claimed I had a debt with Bank of America ( never had a relationship ), then claimed it was a credit card with XXXX, I paid all my credit cards and my credit score is reasonably good. 

Person then claimed that there was a court date and that I would be sued for the debt. The person also claimed that my place of business would be contacted and that debt would be placed against my property- including house XXXX car, etc. I told the person that I needed to receive whatever claim of documentation. The person insisted that the call constituted 2 forms of contact and as mediators they did not have to do so. They also claimed I had the account for 6 years. I do not recall such a debt and have paid any all credit cards that I had or have. 

My major concern is that this entity has my personal information.

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 2022-11-10 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: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
There are XXXX student loan collections reporting to XXXX in error which is dropping my credit scores XXXX points and it is inhibiting me from getting a home loan. 

There are also XXXX student loan collections reporting to XXXX in error. 

XXXX XXXX has deleted all of the student loan collections. 
XXXX hasnt deleted any of them. 
XXXX has deleted all but XXXX of them. 

They should have all been removed from all three credit bureaus because of me completing the govt rehab program in XX/XX/2022. I was told they would be removed within 30 to 45 days however, it is now 60 days later and there as collections still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: CA

Complaint narrative:
There are 9 student loan collections reporting to XXXX in error which is dropping my credit scores XXXX points and it is inhibiting me from getting a home loan. 

There are also 2 student loan collections reporting to Experian in error. 

XXXX XXXX has deleted all of the student loan collections. 
XXXX hasnt deleted any of them. 
Experian has deleted all but two of them. 

They should have all been removed from all three credit bureaus because of me completing the govt rehab program in XX/XX/2022. I was told they would be removed within 30 to 45 days however, it is now 60 days later and there as collections still reporting.

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 2022-11-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I WILL BE SEEKING LITIGATION AND MONETARY COMPENSATION FOR VIOLATION OF RIGHTS IF THIS IS NOT CORRECTED IMMEDIATELY : See below that the consumer reporting agency is in violation of the FCRA 15 U.S. Code 6802 : The consumer reporting agency says the third party company " verifed '' the false information unlawfully as I have not given any 3rd party creditor, collector or business the authority to submit any non public information about me to the consumer reporting agency.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I have not given the consumer reporting agency my permission, nor the furnisher of the information below to report this information in any way, shape or form.

See below that the consumer reporting agency is in violation of the FCRA 15 U.S. Code 6802 : 15 U.S. Code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Furthermore, This letter serves a written notice : I formally revoke, renounce, opt out, XXXX, and waive ANY and ALL insinuated and or direct permission to Experian and the following companies that are listed below, to report these following items on my report. Experian is now aware of these revoked permissions and will now be held liable. I am requesting that the following items be deleted permanently and immediately, as via my right to exercise that nondisclosure option, as expressed in the FCRA 15 U.S. Code 6802 :

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 2022-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rausch Sturm LLP
State: TX

Complaint narrative:
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) - who hired collection agency Attorney for Collections : RAUSCH STURM XXXX  of XXXX, TX XXXX ( new name of Rausch, Sturm, Israel, Enerson, Hornik of XXXX, Texas XXXX ) I hired an attorney to help make payment plan, and avoid judgment. 

Payment Plan agreed ( XX/XX/XXXX, Agreed Judgment dated XX/XX/XXXX, Debt fully paid XXXX XX/XX/XXXX No communication from Plaintiff lawfirm Rausch et al.. 

Fast forward : XX/XX/XXXX ( 7 years AFTER last payment was sent in to satisfy debt ) : My attorney contacted by Rausch et al threatening repeat collection action, judgment, discovery interviews, depositions - against the SAME XXXXXXXX XXXX  debt. 

This is a fishing expedition - trying to collect on past customers/clients/debtors who still own assets on record, and may be even against those that may have died in the intervening seven years. 

CAN THEY REALLY DO THAT??

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