vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau the documents needed are the picture ID, a bill and letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the list of acceptable items which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I attempted to get them to dispute the matters and they left it verified when I never gave any consent to give out my information or put anything on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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

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 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XX/XX/year> Transunion led me to believe i had the right to freeze and unfreeze my credit profile at anytime. 
While trying to unfreeze my profile i was informed my identity couldnt be verified so they forward my cal to a rep while speaking with a rep at Transunion i was told i was to answer a couple of security questions which was generated by the computer after the questions they stated i failed and locked me out of my credit profile. 
Transunion now have my credit profile locked where lenders can not extend me the credit i apply for causing a hardship because i am being denied credit due to the freeze on 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 non-monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Today I checked my credit profile and found some data that can not be verified and information that is not accurate these items are not being reported as 100 % accurate and correct! As we know this is against the laws that protect all consumers to report any information, data, collections, or accounts that have not been proven to be 100 % accurate. The fair credit reporting act it say that every single thing on my credit report must be 100 % accurate under 15 USC Code 1681e ( b ) and 15 USC 1681i ( 5 ) these fraudulent collections on my credit report is a huge violation of not reporting a account 100 % accurately for these violations I can sue XXXX for {$6000.00} in federal court and I can sue Equifax for {$6000.00} in federal court which is {$1000.00} per violation!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am NOT liable for the debt with XXXX CXXXX XXXX XXXX I do NOT have a contract with lvnv funding LLC, they did NOT provide me with the original contract as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: FL

Complaint narrative:
I have been asking Mohela for several months to be out of forbearance, which seems to have been initiated from enrolling in the XXXX plan ( I've been asking this question and no one would give me an answer ). This is preventing me from re-qualifying for the XXXX plan, which I was previously on for several years. I'm about half way through. All my loans are federal and I've been working for qualifying local governments over the past XXXX years. I recently re-certified ALL of employment for XXXX. 

I want off of the XXXX plan. I want out of forbearance. I have been making monthly payments. 

There does not appear to be any way to un-enroll myself from the XXXX plan or get myself out of forbearance on either Mohela 's website of the Federal Student Aid website. 

Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I received an XXXX and XXXX XXXX XXXX alerts today ( XX/XX/year> ) via email of delinquent payment status on my Citibank Credit Card. During my call with Citibank XXXX on XX/XX/year>, this account was closed XX/XX/year> with all fraudulent / unauthorized transactions that I disputed had been reversed. In this regard- the closed account should have a XXXX balance. Per my credit report my closed account with Citibank has an outstanding balance of {$12000.00} I called them several times and had been passed around with different personnel who can't answer my inquiries.

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 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
according to the fair credit reporting act 15 usc 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer, I have the right to make sure my private information isn't shared which is backed by 15 usc 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' non public personal information. " ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not my written consent. I would like all of the collection accounts in my name removed from said agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Credit 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: CT

Complaint narrative:
I received an offer to get 20 % credit back on a dermstore.com order on my Amex credit card ( for detailed offer terms, please see amex_offer_used_email.pdf ). I activated the offer and placed a single order of {$420.00} with my Amex credit card on dermstore.com on XX/XX/year> ( for order confirmation, please see dermstore_order_confirmation.pdf ), which means I should receive {$84.00} in credit from the Amex credit card offer. Shortly after placing the order, I received an email from Amex congratulating me on using said offer with detailed offer terms ( please see amex_offer_used_email.pdf ). However, on my statement, the single online order I placed was broken into two charges, one of {$86.00} and the other of {$330.00} ( highlighted in purple in amex_statement.pdf ), even though I placed it as a single order. Then Amex only gave me a credit of {$17.00}, which is 20 % of the lesser part ( {$86.00} ) of my order. After seeing these information, I called Amex and reached out through online chat. I reported my issue to 4 different agents in total and all of them told me that the merchant ( dermstore.com ) reported the order as two separate charges to Amex and the offer is applied automatically so there's nothing they can do.

I don't think this is right, because I placed one and only one order so I should receive 20 % back of the full order amount -- how the merchant reports the order to Amex is out of my control and none of my business. And the fact that the order is reported this way and the offer being applied automatically is no excuse. Customer service agents should exist to correct mistakes computers made and make sure that the offer term is fulfilled, not using automatic programming as an excuse. Furthermore, I personally think that Amex and dermstore.com are teaming up to boost sales with this offer -- in the extreme limit, dermstore.com can always break down a large order and report it to Amex as {$1.00} and total order amount minus XXXX dollar, and Amex will argue that they got the {$1.00} part of the order first, so the credit back is only XXXX cents. I only place the large order on dermstore.com because of the Amex order. Since XXXX products can not be returned and refunded, I feel cheated on when I discovered that I did not get the 20 % credit as the offer promised. 

And upon a closer look at my statement, the {$330.00} part of the order predates the {$86.00} part and yet Amex insists on only giving me the credit for the smaller part of the order.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
Venmo is stating that my account has a negative {$620.00} balance on my account. The negative balance is from a fraudulent transfer from my personal bank. The bank agreed and probed the transaction was indeed fraud, had to open new accounts with new numbers. Venmo apparently plays by their own rules and says I owe that anyway. Im not liable for fraudulent transactions.

In my account I received {$700.00} from a friend and my Venmo account is suspended therefore Im now allowed to transfer the money to my account even though its my money. Venmo is holding that money XXXX saying they can use the {$700.00} balance to clear the negative balance then my account can be reopened which is not an option for me as I do not and should not owe any money to Venmo.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I disputed this account and asked for proof from the original creditors of these collection companies that the debt collector owns this debt and has the legal authority to collect it or delete this account. 

PORTFOLIO RC with account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
After asking for information, we attempted a phone verification, which failed for some reason and only worked on my previous number from two phone numbers ago then after attempt, I proceeded to give my mothers phone number which had worked previously, but upon doing so exhausted all attempts and the bank teller proceeded to hang up in my face, not giving me reasons to why my account was locked I asked to speak to a supervisor, which also the phone on me without giving me reasons to why my account was locked

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 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I looked at my credit report on XX/XX/2024, and noticed several collections that require clarification. Despite contacting the respective collection agencies, none have provided me with a contract or documentation proving my liability for the debts listed below : XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX According to Section 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide verification of debts upon request. Additionally, under Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. 
I request that the collections listed above be investigated to ensure compliance with federal laws governing consumer credit reporting and debt collection practices. Please provide me with written confirmation of receipt of this request and any documentation supporting the validity of these debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
unfortunately, I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-07-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I am a XXXX XXXX XXXX XXXX XXXX member, I went to XXXX my loans are commercial XXXX loans. I have had the loans since XXXX was paying on then until XXXX when they put me in forberance. They recently paid off my Loans. Due to the law suit, however they refuse to refund me over {$20000.00}, I never used my degree as XXXX misrepresented themselves in helping me get a job in my field. The degree is useless. I paid out all that money for nothing, When you pay for goods you expect to be able to have use of these goods. XXXX is on the list of schools of Misconduct and therefore I should be entitled to a full refund. I recently read that Navient is paying back private loans. My loans are commercial XXXX loans and backed by the Federal government. Therefore, I also should be allowed a refund for a school that mislead me. I was paying on my loan for over 18 years, with some forbarence in there. It is wrong for Having to be paying back some loans from misconduct schools and not all. I am great full the loans are Gone off Navient and the student loan website, but I am out all the money I paid with nothing to show for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

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

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 2024-07-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My escrow account with Bank of America has been placed in my name, and under the social security number of my father- XXXX XXXX. It was reported and then changed to my social security number and my name with XXXX XXXX XXXX. All of the contents of the account are cheques that were made to my order, and in my name. The account belongs to me, and Ive never signed a power of attorney or intend to. Numerous power of attorney documents have been forged. I never gave anyone the consent to do business on my behalf or to be my guarantor. I am being held in blackmail for my escrow account. The money involved is attained from my defamation of character lawsuit settlements and from other related lawsuit settlements. My family has been taking my money from lawsuits that they file using me as the subject for. They have been taking numerous lawsuit cheques and other cheques and reproducing them in their names, depositing them and also illegally endorsing them. My mail has been forwarded to numerous addresses and the people whom have forwarded the mail have been taking my settlement cheques. The escrow account is being changed from person to person without my consent. I never even went to court for appearances for the ownership of this escrow account and many have warranted that they won lawsuits that gave them access and ownership for my escrow 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 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I noticed on my credit report unauthorized and unknown accounts that I did not do or approve. I tried mailing letters to help remove the items all year in XXXX and partial of last year in XXXX. I was impacted by the data breach and at some point my score and report got messed up and it is hurting my profile. please remove!

Company response to consumer: Closed with non-monetary relief