vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-16 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: VA

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.

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 2024-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Velocity Portfolio Group
State: NC

Complaint narrative:
I have had repeated phone calls from CKS Prime Investments. They overload my phone with so many calls I keep it in do not disturb to be able to have a normal work/life balance without my phone ringing every 5 minutes.

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 2024-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am deeply frustrated by the inaccuracies that exist in my credit report, which constitute unfair treatment towards me. I kindly ask that you take action, thoroughly investigate this matter, and make the necessary corrections without delay. If there are no updates, I will be compelled to proceed legally.

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 2024-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion response to consumer complaint # XXXX did not include the steps they took, or will take, to address your complaint. 
TransUnion is actively and purposely engaging in an evasive and stalling tactic requesting information about what the consumer 's complaint is about. TransUnion is well aware of the purpose of my complaint and their FCRA consumer reporting violation. I, the consumer have submitted my complaint at their website where a have a vetted verified account without a resolve. TransUnion failure to resolve this issue is what has led to the CFPB filed complaint. The most previous CFPB filed complain concerning this matter was filed on XX/XX/2024 Complaint # XXXXwith no resolve. TransUnion must according to FCRA consumer reporting remove any and all incorrect information from the consumers ' credit file including all past history of such incorrect information. Furthermore, TransUnion has exceeded 90 days to clear this matter up.

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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Please delete these inquiries. I am not aware of this matter, and the company acted without my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have an inquiry from XXXX And XXXX XXXX , XXXX XXXX that I do not recognize I have never applied to any of these institutions

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 2024-05-16 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: Nelnet, Inc.
State: TX

Complaint narrative:
On XX/XX/2024, Nelnet told me my student loan payment was adjusted to {$0.00} on an Income-Driven Repayment Plan. Since then, they have continued to attempt to collect payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
there are numerous accounts in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing this since last year. Kindly remove the following : XXXX  XXXX XXXX # XXXX date opened XX/XX/XXXX XXXX  XXXX XXXX # XXXX '' date opened XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX date opened XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/2024 I received the a response to cfpb complaint I file on XXXX XXXX to see cfpb complaint # XXXX to while there response was along the lines of due to privacy they can share the results of their investigation that the results will be sent in the mail however its been over XXXX weeks and I have not Received any correspondence from XXXX XXXX  is engaging in deceptive practice by using Lies and fabricated responses to To circumvent my right to dispute Inaccurate incorrect information to which is a violation of the FCRA. From light streams multiple responses To consumers grievances and complaints on cfpb XXXX platforms Can substantiate this statement.

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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is an ongoing problem with XXXX that is owned by XXXX  XXXX XXXX. XXXX  XXXX XXXX continues to allege I owe them a credit card debt but it is XXXX  XXXX XXXX who owes me. XXXX has repeatedly claimed to have 'verified ' and 'validated ' this debt without showing me one piece of evidence to justify their reporting. " XXXX  XXXX XXXX said so ''. is their response. This is not acceptable and violates many areas of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is an ongoing problem with XXXX that is owned by XXXX  XXXX XXXX. XXXX  XXXX XXXX continues to allege I owe them a credit card debt but it is XXXX  XXXX XXXX who owes me. XXXX has repeatedly claimed to have 'verified ' and 'validated ' this debt without showing me one piece of evidence to justify their reporting. " XXXX  XXXX XXXX said so ''. is their response. This is not acceptable and violates many areas of the FCRA.

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 2024-05-16 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: FL

Complaint narrative:
I looked at my consumer reports and noticed a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never been late on payments and did not provide written consent to report the account : XXXX XXXX : [ XXXX ] and XXXX XXXX [ XXXX ]. Please investigate and provide proof with statements showing that these payments were late and proof that I authorized the reporting of this information. If proof can not be provided I demand these payments to be updated to on time as they should be as I was NEVER late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax has re-inserted inquiries that I have already advised were not authorized or made by me. The inquiries include XXXX XXXX XXXX dealer on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX. These inquiries are not attached to any account that I currently have or have ever initiated. I have previously raised this issue with Equifax and the inquiries were removed however they have been added back to the account without authorization. I am demanding that these inquiries be removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I had service provided by XXXX XXXX XXXX, they overcharged me for 2 phones. I tried to settle this with XXXX XXXX XXXX with no resolution met. I refuse to let the phone company rip me off. Now there is a collection agency trying to collect it as well as reporting it on my credit report. I will not be paying them. XXXX XXXX XXXX is ridiculous and should be shut down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: IL

Complaint narrative:
Consumer Financial Protection Bureau Subject : Dispute of Derogatory Account and Associated Inquiries on TransUnion Credit Report Dear Sir/Madam , I am writing to formally dispute the information listed on my TransUnion credit report, specifically regarding a derogatory account and associated inquiries. Despite my efforts to rectify this matter directly with the creditors, I have been unsuccessful in achieving a resolution. 

Below are the details of the disputed account and inquiries : # # # Derogatory Account : - **Creditor : ** XXXX XXXX SERVICES - **Reported : ** XX/XX/XXXX - **Status : ** Closed - **Balance : ** {$4800.00} ( 120 % of credit limit ) - **Credit Limit : ** {$4000.00} - **Monthly Payment : ** {$190.00} - **Opened : ** XXXX XXXX, XXXX - **Payment History : ** 75 % of payments made on time - **Last Payment : ** XXXX XXXX, XXXX - **Current Payment Status : ** XXXX Days Late - **Amount Past Due : ** {$820.00} - **Worst Payment Status : ** XXXX Days Late - **Account Status : ** Closed - **Type : ** Credit Card - **Responsibility : ** Individual - **Remarks : ** Canceled by credit grantor - XXXX XX/XX/XXXX Days Late : ** XXXX - **Closed : ** XXXX. XXXX, XXXX - **Creditor Information : ** XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX DE XXXX, ( XXXX ) XXXX # # # Associated Inquiries : XXXX. XXXX - Inquiry Date : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX** - Inquiry Date : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX I have made multiple attempts to address the discrepancies and resolve this issue directly with the creditors involved, but to no avail. The derogatory account and associated inquiries are negatively impacting my creditworthiness and financial well-being. 

I kindly request that the Consumer Financial Protection Bureau intervene in this matter and assist me in disputing the accuracy of the derogatory account and associated inquiries on my TransUnion credit report. Additionally, I request your guidance on the appropriate steps to take to rectify this situation and ensure the accuracy of my credit information. 

Enclosed are copies of any relevant documents supporting my claim, including correspondence with the creditors and evidence of my attempts to resolve the issue. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving these discrepancies and restoring the accuracy of my credit report. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I recently applied for a free business checking account at XXXX and received a denial letter stating that I had unresolved accounts with ChexSystems, instructing me to reapply after resolving those accounts. However, upon obtaining a report from ChexSystems, I found no such outstanding accounts at any bank. When I confronted XXXX XXXX  about this discrepancy, their explanation changed. They now claim it was not an outstanding account but rather a ChexSystems " qualireport. '' I still maintain that XXXX XXXX  engages in XXXX discrimination. I request the following from ChexSystems : ( XXXX ) Clarification on the specific law or statute that authorizes ChexSystems to function as a credit reporting agency and to gather information about customers, to create predictive models or forecasts about a customer not based on factual information but instead on utterly false bogus fabricated data and algorithms. These models are allegedly used by banks to engage in discrimination and deny credit or financial services. Note : I need the specific section or whatever law you clam grants you this right not vaguely mentioning the FCRA for instance ( 2 ) Delivery of the exact copy of the report that was provided to XXXX XXXX  about the complainant regarding the referenced transaction. ( XXXX ) An exact and detailed description of what algorithm or model is being used by ChexSystems to generate the utterly fabricated report which they are apparently providing to various institutions and engaging in defamation. 
Be aware that this is not a mere suggestion but a demand. Failure to provide the requested information promptly will result in legal action against both ChexSystems and XXXX XXXX  for defamation and discrimination ; it is also an action which will be brought whether or not you provide this information or not. Fabricating and utilizing false models that disregard actual facts to defame a customer and make decisions regarding credit or access to financial services is a violation of the XXXX and various other rights is unacceptable. I expect the requested information to be provided as soon as possible. Apparently someone at XXXX keeps using this transaction XXXX about how the denied a corporation I represent an account. Keep my name out of your 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 2024-05-16 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: LA

Complaint narrative:
I file a complaint on XXXX XXXX XXXX case # XXXX XXXX. They responded that they sold my account to XXXX XXXX, which according to consumer law that is illegal. XXXX XXXX have called me several times and sent me letters. According to 15 USC 1692e ( 14 ) False and Misleading Representations- The use of any business, company, or organization name other than the true name of debt collector 's business, company or organization.

15 USC 1692j- Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating the collection or in attempt to collect a debt such consumer allegedly owes such creditor when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with provision of this.

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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief