vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX balance {$2100.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX XXXX XXXX balance {$310.00} - Account is reporting inconsistencies and inaccuracies. XXXX XXXX are showing different dates at each bureau. 

XXXX XXXX XXXX XXXX  XXXX balance {$280.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this. 

XXXX XXXX XXXX balance {$600.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX XXXX balance {$1700.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
My student loan provider serviced my federally-backed student loans. This student loan provider is Navient. There are a number of issues with the company which reek of corruption to say the least, but the most prevalent issue I have is this. My federal student loans ( not private loans ), should have been covered under the CARES Act provisions that are still effective. As you know, the provisions set forth to protect student loan holders during this international COVID crisis included the interest rate to be set to 0 %, and current forbearance, and a stop on any wage garnishments on any current loans. Despite these provisions, Navient continued to harass, threaten, and bully as they so often do. In fact these same federal student loans were just recently sent to collections, XXXX, who now threaten legal action against me. On a phone call to this agency, the representative on the line admitted to knowledge of the Cares Act and tried to explain the fact that these alleged loans were now owned by them, that the Cares Act and the provisions set by the government do not apply. I reiterated the fact that these loans never should even have gone into default ( just this past week ) in the first place due to the fact that the Cares Act protection provisions are still in place. This behavior is illegal. Not only are the over-inflated price-gouging actions taken by Navient outlandish, they decided to ignore the provisions set by XXXX outlining protection to student borrowers such as myself during this time. Now, this collection agency is no longer involved with the student loan policies ( according to them ), and thus these rules do not apply, according to them. Navient 's behavior is scandalous, to say the least, and this is in direct violation of the protection provided to student loan holders such as myself during a pandemic, nonetheless, the worst I've seen yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX balance {$2100.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX XXXX  XXXX balance {$310.00} - Account is reporting inconsistencies and inaccuracies. XXXX XXXX are showing different dates at each bureau. 

XXXX XXXX XXXX XXXX XXXX balance {$280.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this. 

XXXX XXXX  XXXX balance {$600.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX XXXX balance {$1700.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly.

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 2021-01-14 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:
XXXX XXXX XXXX or XXXX XXXX XXXX XXXX is reporting derogatory information to XXXX, XXXX and Transunion. The item does not belong to me and I have disputed this item ( s ) on at least two occasions, yet XXXX, XXXX XXXX and Transunion have failed to remove and or delete the derogatory information contained in my credit file. In addition, I have disputed the derogatory item ( s ) under The Fair Credit Reporting Act, specifically Section 609 FCRA, which requires XXXX to perform specific acts, including but not limited to producing the time and of the authorization to access my credit file, the actual credit file report and or copies of any and all contracts or agreements to referencing the alleged debt. Although duly noticed on at least two occasions, XXXX, XXXX XXXX and Transunion have failed to comply with The Fair Credit Reporting Act, specifically Section 609 FCRA and the requirements thereof. 

As of the submission of this complaint the derogatory item ( s ) pertaining to XXXX remain on my credit file, despite XXXX, XXXXXXXX XXXX and Transunion being noticed to comply with Section 609 FCRA. All of the aforementioned entities remain in collusion to not provide the required information under Section 609 FCRA. In short, XXXX has providing nothing despite my notices a XXXX demands and all are in violation of The Fair Credit Reporting Act.

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 2021-01-14 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: TX

Complaint narrative:
XXXX XXXX XXXX or XXXX XXXX XXXX XXXX is reporting derogatory information to XXXX Equifax and XXXX  The item does not belong to me and I have disputed this item ( s ) on at least two occasions, yet XXXX, XXXX Equifax and XXXX have failed to remove and or delete the derogatory information contained in my credit file. In addition, I have disputed the derogatory item ( s ) under The Fair Credit Reporting Act, specifically Section 609 FCRA, which requires XXXX to perform specific acts, including but not limited to producing the time and of the authorization to access my credit file, the actual credit file report and or copies of any and all contracts or agreements to referencing the alleged debt. Although duly noticed on at least two occasions, XXXX, XXXX  Equifax and XXXX  have failed to comply with The Fair Credit Reporting Act, specifically Section 609 FCRA and the requirements thereof. 

As of the submission of this complaint the derogatory item ( s ) pertaining to XXXX remain on my credit file, despite XXXX, XXXX  Equifax and XXXX  being noticed to comply with Section 609 FCRA. All of the aforementioned entities remain in collusion to not provide the required information under Section 609 FCRA. In short, XXXX has providing nothing despite my notices a e demands and all are in violation of The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I use M & T bank. I get scammed recently by somebody and this person told me to send them money. The scam was about a job. They send me a check for about XXXX $ and they ask me to send this money for the supplier for some supplies. They ask me to send it through XXXX  money transfer. They ask me to send XXXX XXXX They then send me another check for about XXXX XXXX When I realized I get scammed after 24 hours from money transfer, I went to the bank and told them the story and I asked them to stop this money transfer, they told me they can't. At the same time, they accept the checks firstly online, and after that they told me it is fraud.

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 2021-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: IL

Complaint narrative:
Nelnet which is a fasa. Form government has for years been trying to get me to pay off a school loan that has been closed down for years called XXXX XXXX It is unfair that N e l n e t expects me to pay for a college that already deemed a fake college by the government

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX balance {$2600.00} - Your records are revealing conflicting and incorrect information compared to other bureaus. 

XXXX XXXX XXXX balance {$420.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX balance {$620.00} - This account must be delete immediately due to years of late payments after account was already closed. 

XXXX XXXX XXXX balance {$95.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX balance {$100.00} - Account is reporting inconsistencies and inaccuracies. Open Dates are showing different dates at each bureau. 

XXXX XXXX XXXX Balance : {$250.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX XXXX Balance : {$83.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. 

XXXX XXXX XXXX XXXX Balance : {$110.00} - Account is reporting inconsistent and inaccurate, please delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: NC

Complaint narrative:
Contacted Discover in XXXX of 2020 to notify them of the fraudulent account, this account was not opened or authorized by myself. Account is being reported as closed but charged off with a balance that is over due and late. As of today Discover continues to report this negative and inaccurate information to my personal credit report, damaging my credit and further intensifying the financial burden and stresses as a result of covid - 19. This information was previously disputed by XXXX and removed, yet XXXX  continues to allow this inaccurate information to report again without blocking it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Red Cedar Services, Inc
State: IL

Complaint narrative:
They are trying to collect on a Debt that I DO NOT OWE!!!!! This debt was paid to them in full on or about XX/XX/2019 according to my bank, I have TOLD 500 fast cash this Numerous times, and still they call me trying to collect, IM NOT PAYING THEM ANYMORE MONEY, I PAID THEM ALREADY, and yet they keep harassing me and wont STOP, Ive called them Numerous times, emailed them Numerous times, gave the PROOF the debt was paid, yet they keep calling me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX Balance : {$2600.00} - Your records are revealing conflicting and incorrect information compared to other bureaus. 

XXXX XXXX XXXX XXXX Balance : {$420.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX XXXX XXXX Balance {$620.00} - This account must be delete immediately due to years of late payments after account was already closed. 

XXXX XXXX XXXX balance {$95.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX balance {$100.00} - Account is reporting inconsistencies and inaccuracies. Open Dates are showing different dates at each bureau. 

XXXX XXXX XXXX XXXX : {$250.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX XXXX Balance : {$83.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. 

XXXX XXXX XXXX XXXX Balance : {$110.00} - Account is reporting inconsistent and inaccurate, please 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 2021-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Noticed the debt added to my Experian credit file in XX/XX/XXXX. I disputed this account with them and it came back as valid and I asked them to reinvestigate and they did and came back XXXX of XXXX saying it was valid. I have told XXXX I did not open this account but they arent budging either. I DID NOT OPEN 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 2021-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
A phishing account was created on Venmo. This phishing account was impersonated by someone who used my brother 's Venmo account profile picture and username. Me and my brother had previous Venmo exchanges, thus the phishing account used his profile picture and username to request {$450.00} " for a few days '' on XX/XX/2021. The account name and profile picture was exactly identical to my brother 's. After sending him the {$450.00}, the scammer account asked to send an extra {$100.00}. Thinking that this is my brother, I sent the money without questioning it. Within 30 minutes I called my brother and asked why he needed the money, where he stated that he did not ask for that money. I immediately contacted Venmo and tried to resolve this situation and get my funds back that were stolen from me unfairly. I had money stored in my Venmo account and thus, the money was immediately transferred to the scammer. When I spoke with customer service of Venmo they were not helpful. They said they would transfer my request to someone and an e-mail would be sent. The next day, I get an e-mail stating that I will not be able to receive my money back and that I should try to retrieve the money back by asking the scammer to send me the money back. They also stated that they were not able to assist me further. So I tried to ask the spammer for my money back, and he/she changed their name to a different name or closed the account. I was unsuccessful in receiving my money back. After this, I tried to message them again asking for help, and they ignored me. I have screenshots provided for everything. 

It is unfair that Venmo has very minimal protection for their customers in regards to fraud and phishing accounts. If somebody already has a name and last name and someone is able to create an account using their exact name, is very low security and protection to customers that use Venmo. 

The same scammer asked my sister for {$300.00} on XX/XX/2021. She sent the money. However, Venmo was able to credit her the money back. We filed a police report together in regards to this situation. I have screenshots of the transactions of the scammer when he was impersonating my brother.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: CA

Complaint narrative:
I mailed identity theft report with all the accounts that are not suppose to be on my credit report on XXXX XXXX I sent an affidavit, copy of identification copy of social security card and a bill to verify my address to Equifax, XXXX  and XXXX. They said they couldnt remove any of these accounts. According to 15 usc 1681 any incorrect information should be removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: MO

Complaint narrative:
My compliants with Credit Reporting Agencies are reporting errors on my credit reports that not accurate, I have disputed serveral times with Credit Reporting Agencies and provided documentation to show they are reporting errors on my credit reports Credit Reporting Agencies overlooked my proof still go with thier own decisions not acknowledge my documentation that I'm showing proof to take into consideration when correcting or updating my credit report. Experian reporting three late payments and comments on closed accounts which is Error, XXXX  reporting Bankruptcy and comments on closed accounts which is an Error and XXXX  reporting Bankruptcy and comments on closed accounts which is an Error. I have also disputed with all three Credit Reporting Agencies XXXX, XXXX  and Experian of unauthorized inquiries serveral times and contact company that reported to let them know as well it was unauthorized inquiry still no one wants to take actions to remove from 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 explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carvana Group, LLC
State: TX

Complaint narrative:
those people claiming to work for CARVANA refuse to follow cited law, which you will see in the attached 'CARVANA_CFPV_GOV_complaint.pdf '. aside from that, it is written in the most popular used law dictionary, according to XXXX, which is the XXXX  's law dictionary, " DRIVER. One employed in conducting or operating a coach, carriage, wagon, or other vehicle, with horses, mules, or other animals, or a bicycle, tricycle, or motor car, though not a street railroad car. A person actually doing driving, whether employed by owner to drive or driving his own vevehicle. XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX ''. '' again, drivers are persons, i.e. the employed, that XXXX drive for 'a living ' '', i.e. taxi driver persons, ridesharing driver persons, semi-truck driver persons, delivery driver persons. as for people? people have a god-given right to travel freely because people were already granted the right to travel by a XXXX XXXX that no man can match nor overthrow. therefore, it serves absolutely no purpose in participating in the drivers licensing program, service - or whatever you wish to call it - and is absolutely pointless in obtaining such identification or member card for any pupose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: NJ

Complaint narrative:
Hi, I am writing this complaint because I recently looked at my credit report and seen accounts that I have no recollection of. I tried contacting the credit reporting agencies about these errors but nothing is being done and no proof is being shown about the validity of these accounts. I know there are credit reporting act procedures that should be taken when identifying inaccurate accounts of someone's credit report, specifically Section 611 in the FCRA where I have the right to request the method of verification. Also Section 607 in the FCRA that states all accounts should report as accurate as possible. The date last active and the date of last payment do not match. Please investigate and delete the accounts I have listed that do not represent verifiable accuracy. Thank You.

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