vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-07 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: AR

Complaint narrative:
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. 
XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX has violated my rights, 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 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reportina agencv if the knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: PA

Complaint narrative:
Experian and XXXX continue to report a Bankruptcy they said XXXX verified. 
XXXX sent me a letter stating they deleted the error. They did not verify!! No method of verification. FCRA consumer rights violations, they must delete immediately. They ignored the letter from XXXX! Vlear violation!!! Please help!!

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 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
DELETE XXXX XXXX XXXX Account # XXXX off XXXX XXXX credit report file today DELETE XXXX  XXXX XXXX XXXX Account # XXXX off credit report file today Both Accounts Passed Statue of Limitations and law states it must be deleted off credit report today.

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 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: LEXISNEXIS
State: FL

Complaint narrative:
XXXX XXXX insurance company requested a report from XXXX on XX/XX/2022. I have received a negative action letter. 

XXXX XXXX stated that a report from XXXX was used on their decision. 

Requested report and found a substantial amount of incorrect information ranging from different individuals who just shared my same name, wrong addresses, 20-30 year old addresses, real time driving information derived from the car telematics. 

Unable to initiate a dispute resolution due to incomplete information in website Customer service extremely difficult to navigate and drops calls continuously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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:
In accordance with the fair credit reporting act XXXX account : XXXX XXXX : XXXX has violated my rights. 

15 U.S.C. 1681 section 602a states I have the right to privacy.

15 U.S.C. section604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-10-07 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: NC

Complaint narrative:
In accordance with the Fair Credit Act XXXX the information provided below has violated my rights. 

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

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

The accounts provided I requested several times for the credit bureaus to verify the information with these accounts for I did not recognize them. I only received letters simply stating account verified. However, I requested details of how they verified them and to whom they spoke with to verify. They have yet to provide my this information that is required by law. Also when I update my credit reports I can see that nothing has changed since my requests. All the data is still the same. 

Here are the items I have sent to the bureaus requesting the verification. 1. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: MN

Complaint narrative:
XXXX was to process credit cards for a 2 percent fee was never granted access to withdraw funds from account. no other fees were to be charged closed buisness on XXXX account was only used for deposits of social security. deposit records show this.branch bank did not address change to mailing address so was not aware of unauthorised withdraws till XXXX. so monies from social security were taken i nave received no court orders to allow funds to be taken from 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 2022-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On Friday, XX/XX/XXXX, I was the victim of telephone fraud. I was emotionally abused and harassed by someone pretending to be XXXX XXXX XXXX who told me if I did not pay the fines over the phone I would be arrested. I was harassed on the phone for hours by multiple people and finally paid the first set of supposed fines of {$2100.00} via Venmo per the scammer 's instruction. I shortly thereafter realized it was a scam and reached out to Venmo immediately to cancel the payment. The representative I spoke with confirmed that the payment went through on their end but instructed me to call my bank and cancel payment. I was concerned that this would not be sufficient since the payment was already made to the individual scamming me and that Venmo would try to come after the payment. They assured me that the best course of action was to cancel payment with my bank immediately since it was a scam and that they would not try and collect the funds from me. I spoke with my bank and they were able to stop the payment. Venmo then reached out to me again on XX/XX/XXXX saying that I owed the payment of {$2100.00} or my account would be taken to collections. I spent hours on the phone with Venmo regarding this with no resolution. It seems as if Venmo is now disregarding their own instructions ( attached in writing ) and instructing that I pay the funds otherwise I will be sent to collections. I believe Venmo should be working directly with the scammer ( since they have their phone number, name and probably some bank details registered with Venmo ). I was then transferred to a Account Specialist via email, you are unable to speak with the Specialists who review these issues over the phone. The Account Specialist continues to tell me to pay the funds to unfreeze my account but completely disregarded their prior instructions and seems to not take into account that this payment was made under fraudulent circumstances. I provided a police report number but they seem to have no interest in it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I hired XXXX on XX/XX/XXXX at the recommendation of XXXX. I needed a coaxial cable to be run into my home. 
I prepaid with my Capital One credit card when I scheduled the appointment. 
The technician came and didnt install the cable. He recommended we use XXXX cable already installed which obviously didnt work. He spent a couple of hours trying to make the old cable work instead of installing a new one. 
I had to hire another person to run the cable. 
XXXX hasnt refunded my payment didn't refund my payment. 

I proceeded to initiate a chargeback through Capital One. Sent them all the documentation. 
XXXX responded saying the service was performed. 
The chargeback has been reversed by Capital One and considers the case closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Credit Acceptance, LLC
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my right. I submitted my Written notice of the rights to enforce my right to rescission of my contract per 15 U.S. Code 1635 - Right of rescission as to certain transactions ( a ) ( b ). I have also reached out for several violations. As follows : Under 15 USC 1681 section 602 I have the right to privacy. Section 604 a section 2 a consumer reporting agency can not furnish an account without my written instructions. 
15 usc 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Per use of my social security card, which under the eyes of XXXX law dictionary, is in fact a credit card. 

15 U.S. Code 1692a - Definitions ( 5 ) and ( 6 a-f ) 15 U.S. Code 1692d - Harassment or abuse ( 3 ) and ( 5 ) Including threats to remove the property from my residence violating my rights and the fines charged when it was removed from the property and paid before auction. 
15 U.S. Code 1692c - Communication in connection with debt collection ( 1 ) 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) ( b ) HJR-192 which states that debts can only be discharged and not collected, as well as s 18 U.S. Code 894 - Collection of extensions of credit by extortionate means ( a ). 
( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the non repayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. 
15 U.S. Code 1692e - False or misleading representations ( 2b ) and ( 5 ) and ( 6 ) and ( 10 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am aware, consumer reporting agencies on a nationwide basis must maintain a joint notification system. I, the consumer have reason to believe and do so believes, this subsection was enacted to maintain maximum possible accuracy amongst consumer reporting agencies. This information for the accounts listed below on my consumer report do not match other consumer reporting agencies shown in XXXX XXXX, which means your company has failed to maintain reasonable procedures to keep a joint notification system and is in violation of 15 U.S.Code 1681b ( e ) ( 6 ). These accounts must be removed.

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 2022-10-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/2022 @ XXXX, I went to a Navy Federal ATM XXXX XXXX XXXX TX XXXX I was making a {$500.00} deposit and the atm had taken the money for the deposit. But the atm shut down in the middle of the transaction. I called customer service immediately while this happened and they made a dispute but could not credit my account the {$500.00} even though this atm is serviced by Navy Federal itself. They told me itll take up 10 business days even though the fault was theres. Now Im out {$500.00} that I was needing going out of town for bereavement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: PA

Complaint narrative:
XXXX and XXXX continue to report a Bankruptcy they said XXXX verified. 
XXXX sent me a letter stating they deleted the error. They did not verify!! No method of verification. FCRA consumer rights violations, they must delete immediately. They ignored the letter from XXXX! Vlear violation!!! Please help!!

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 2022-10-07 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: MOHELA
State: AZ

Complaint narrative:
I have made over 120 qualifying payments toward PSLF but I only have two payments showing as qualifying. I had been with XXXX XXXX since XXXX, having only Direct Loans. I was on track for forgiveness. The limited waiver was applied to my account in XXXX of XXXX. The payments across my loans were now different for unexplained reasons. I consolidated the loans to obtain the correct highest counts across all of my loans. The consolidation completed in XXXX of XXXX. I was forced to choose Mohela rather than XXXX at the time of consolidation. I have since had an employment certification form processed by Mohela in XX/XX/XXXX. The payment count on the consolidation loan was updated from zero to two payments. I contacted Mohela regarding when the qualifying payment counts prior to consolidation would be included in the total. Mohela indicated that they would be included by the end of XX/XX/XXXX. In the beginning of XX/XX/XXXX, I filed a compliant with the FSA Ombudsman group.

The FSA Ombudsman group has indicated that XXXX XXXX is supposed to update the count, Mohela is supposed to update the count, and that the Department of Education is supposed to update the counts. I have contacted each of the Mohela, XXXX XXXX, and the Deptartment of Education, but no one seems to know who is supposed to update the account. I contacted the Ombudsman groups at each of Mohela and XXXX XXXX while on the phone with the FSA Ombudsman. The FSA Ombudsman group told XXXX XXXX XXXX Ombudsman that XXXX must transfer the loan information to Mohela to get the counts updated. The FSA Ombudsman later told Mohela 's Ombudsman that the waiver will not be applied until later in the fall. I told both that the waiver had already been applied to my account in XXXX of XXXX. The FSA Ombudsman then said that I had to wait longer. When asked how much longer, no answer was provided. The FSA Ombudsman indicated that they have no timeline in which to process the waiver, that it can take years, and that I have no recourse. 

I have only had Direct loans and have only had one employer - the federal government. 

XXXX is in my promissory note. I have made over 120 qualifying payments and over 118 of them are not being counted. I have already made the qualifying payments toward forgiveness, but my loan servicer refuses to acknowledge them so that I qualify for forgiveness. It has been five months since my consolidation completed, and all of those qualifying payments made before consolidation have disappeared. Nearly ten years of payments are being ignored. Each of Mohela, FSA, the Department of Education, and XXXX XXXX are blaming each other as to why these qualifying payments are being ignored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: NC

Complaint narrative:
In accordance with the Fair Credit Act XXXX the information provided below has violated my rights. 

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

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

The accounts provided I requested several times for the credit bureaus to verify the information with these accounts for I did not recognize them. I only received letters simply stating account verified. However, I requested details of how they verified them and to whom they spoke with to verify. They have yet to provide my this information that is required by law. Also when I update my credit reports I can see that nothing has changed since my requests. All the data is still the same. 

Here are the items I have sent to the bureaus requesting the verification. XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX  Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07 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: NC

Complaint narrative:
In accordance with the Fair Credit Act XXXX the information provided below has violated my rights. 

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

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

The accounts provided I requested several times for the credit bureaus to verify the information with these accounts for I did not recognize them. I only received letters simply stating account verified. However, I requested details of how they verified them and to whom they spoke with to verify. They have yet to provide my this information that is required by law. Also when I update my credit reports I can see that nothing has changed since my requests. All the data is still the same. 

Here are the items I have sent to the bureaus requesting the verification. XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX  Account Number : 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 explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MD

Complaint narrative:
I got a call from a XXXX Agent claiming to relieve the loans I have through their debt relief program. Being naive I gave them my SSN and applied for their program. I've made 2 payments but realized something was fishy and decided to login to my FSA student account. I saw that my loans where forgiven by the XXXX administration and that I have {$0.00} loans to pay back. On XX/XX/XXXX I logged back into my account and realized SOMEONE HAS COMPROMISED AND STOLE MY IDENTITY AND APPLIED FOR THE SAME AMOUNT OF LOANS FROM A STUDENT LOAN SERVICER I NEVER HEARD OF UNDER MY NAME. Which didn't make sense because my loans just got forgiven and I'm not in school anymore! 


I went to check the email linked to my FSA student account and saw an on XX/XX/2022 saying I received an email from a Student loan Servicer call Mohela about taking out a loan for the amount of {$13000.00}. I NEVER authorized this payment! The email also included that they have been trying to call me and mail to my address but the address they have on file is invalid. So that means someone is using my SSN along with invalid information to attempt to apply for a student loan in my name. 

The file is currently still being processed but I need it to be canceled and the loan Disputed, BECAUSE ITS NOT ME!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation