vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I finished paying my car noteLast year XXXXXXXX XXXX XXXX XXXX however sometime before that, in XXXX XXXX XXXX XXXX, about a month before i made my finalpayment, XXXX XXXX XXXX ( XXXX ) reported that I was 30 days late on my payment. I called several time and exchanged emails etc. XXXX ( rep from XXXX ), respondedwith justifications as to why that late report is on my report etc. ( see thread ) Eventually, your team sent me my title but the late payment report had already been done. 
I recall talking to XXXX team several times in XXXX XXXX  about why my creditreport is showing more balance than it should. A team member informed me that XXXX is changing its systems and for that reason, balances showing on each credit bureau is different. I gave their team grace to correct this balance inaccuracy. XXXX XXXX, there still was no correction yet. ( I assumed XXXX was still changing database systems ) Again, I emphasized to the representative that if i were late for my payment, XXXX will charge me a late fee and also report to the credit agencies. I stated that if that correction is not fixed, i will not make payment on time for my next month. ( All of this, i have on recording and i believe your team has on recording as well ). Indeed if i was late on payment, XXXX  quickly reported that late payment to the bureau. 
Fast forward to today, this isscrewing me up big time because I can not purchase real estate whatsoever. 

At this point, all I am asking is a resolution regardless of who is to be blamed. As customer goodwill/ courtesy ; is XXXX or anyone capable to update the creditbureauwith a letter or something so that it can be fixed/taken off my 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 2023-09-20 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
Delete Late payments from Exeterfinance from XX/XX/2023 your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TD RETAIL CARD SERVICES XXXXXX/XX/2023 I was shock to see this inquiries on my credit report I never gave anyone permisson to use my credit please remove this of my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-09-20 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: Nelnet, Inc.
State: FL

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 consumers right to privacy. 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 nonpublic personal information. '' 15 USC 1681 section604 a section 2 " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies do not have my consent to furnish my information and they do not have my written consent.15 USC 6802 ( b ) ( c ) I do not consent and revoke any and all verbal, non-verbal, written, implied, all assumptions to disclose nonpublic personal information to a nonaffiliated third party " 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at anytime. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: VA

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-09-20 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: AR

Complaint narrative:
These finance institutions ran my credit without my consent which is fraudulent. 
Here is the list : XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXI did not give these companies permission to run my credit so please remove inquiry or show proof I authorized it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
These finance institutions ran my credit without my consent which is fraudulent. 
Here is the list : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.I did not give these companies permission to run my credit so please remove inquiry or show proof I authorized it.

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 2023-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate incomplete Credit information. According to the fair credit reporting act section 609A1A who are required by law to verify through physical verification of the original signed contract any and all accounts that you post on my credit report otherwise anyone that is paying you for your debt probably fraudulent. I demand to see verified proof. If you fail the validate removed from my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
i have unauthorized charges. collections, charge off on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit 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: AMERICAN EXPRESS COMPANY
State: NM

Complaint narrative:
I booked a trip from XXXX XXXX Texas to XXXX XXXX Nevada through American Express Travel on or about XX/XX/2023. 

XXXX. ) I was immediately charged for the entire trip, even though it is XXXX MONTHS away. Usually you pay the hotel upon check out.

2. ) I booked an American Airlines ticket as well.

3. ) Due to surgery complications, I can not travel. 
XXXX. ) I called to cancel and was told it was not refundable. 
XXXX. ) I booked and paid with my AmEx, a similar XXXX trip last year, and was told the same 'non refundable ' policy. 
XXXX. ) Amex told me last year, " if you booked with Amex you wouldn't have this trouble. 
XXXX. ) This current trip, Amex uses XXXX as their subcontractor. 

I know, I'm getting a doctors verification, but what the XXXX is going on with Amex? 

Greedy advance payments? 

Lying to customers? 

This is not the AMEX I once knew and loved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My personal information was compromised between XXXX and XXXX when my storage unit was broken intoand a XXXX XXXX with all of our documents such as birth certifi cates, ss cards, medical records, etc after my son'swas released from the XXXX XXXXXXXX XXXX XXXX XXXX XXXX and we moved to XXXX with only whatwe can carry. Then when i went back to our storage with a truck to bring the rest of our stuff back in when inoticed it had been broken into. This has caused undue hardship for all of us, me especially I have been trying to dispute numerous times but to no avail. My sister who is a XXXX  said i needed to file an identity theft report which i did.

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 2023-09-20 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: GA

Complaint narrative:
My personal information was compromised between XXXX and XXXX when my storage unit was broken intoand a fi le with all of our documents such as birth certifi cates, ss cards, medical records, etc after my son'swas released from the XXXX XXXX XXXX after his XXXX  and we moved to XXXX with only whatwe can carry. Then when i went back to our storage with a truck to bring the rest of our stuff back in when inoticed it had been broken into. This has caused undue hardship for all of us, me especially I have been trying to dispute numerous times but to no avail. My sister who is a XXXX said i needed to file an identity theft report which i did.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 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: ACIMA CREDIT, LLC
State: MI

Complaint narrative:
ACIMA DIGITAL FKA SIMPLE has been calling me, emailing me and sending letters to my address trying to collect on a debt that does not belong to me. 

ACIMA DIGITAL FKA SIMPLE has called and threathen me to garnish my pay check and to continue reporting information on my credit report that does not belong to me Send me a contract between me and ACIMA DIGITAL FKA SIMPLE bearing my signature. 



Send me the location this account was opened at. send me the name and number of the person who open this contract in my name with ACIMA DIGITAL FKA SIMPLEP.

Let me know was ACIMA DIGITAL FKA SIMPLE open up in person or online. What identication was used to open this account? Delete this account from my credit report. 


What date was ACIMA DIGITAL FKA SIMPLE open? 
What method of verification was used to say this account ACIMA DIGITAL FKA SIMPLE belonged to me? remove account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent Account # ( LISTED BELOW ), 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. 
XXXX NAME ; XXXX # ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Fed XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Chap 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 explanation
Consumer complaint received 2023-09-20 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXXXXXX  Dear EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX I, XXXX XXXX, have written this letter to dispute the inquiry reported on my credit file dated XXXX XXXX, XXXX  by XXXX XXXX. I have not authorized a hard pull by this company. that is falsely listed on my credit report. 





I am disputing this claim as I HAVE NO KNOWLEDGE OF THIS, I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Prepaid card — Government benefit card
Issue: Advertising — Confusing or misleading advertising about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Now the bank has lied about the photos of me They had nothing to do with me getting money from there account I used their ATM to retrieve money from another account and they took the pictures of me getting money out of that account and use them on my Bank of America account and that's not true or accurate they have committed another felony on my account by doing this and now they say that they paid me both of my claims which is a bald-faced lie this bank is lying and doing more lying they telling you guys one thing and telling me another thing and all I want is my money that they took for me when they took that {$37000.00} that they place to my account they took a {$20000.00} claim I had and a {$9000.00} claim I cash and they all so made up of {$8000.00} claim to take it back for me so I would like all that money back and I also want my XXXX back that they took of mine this bank is ripping me off and they doing it by committing felonies on my my account are you guys supposed to be helping us to get our money back from this bank because you guys are letting this Bank commit felony after felony on my account and lie after lie on my account and fix up my account the way they want to fix it up with which none of it is true and I mean none of it this Bank falsified my whole account to steal my money from me and I was in hopes that you guys could help with me to get it back but you are not paying me this bank no attention I wonder if this bank is paid you guys to look the other way cuz that's what you guys are doing you looking the other way why this bank is committing felonies on my account and committing crimes on my account to keep my money and I don't know these people why are they doing this to me I've been suffering and going through a whole bunch of heartache and pain for three whole years that this bank has been keeping my money from me what's their problem and what's your problem I need my money I need medications I need to pay back rent I need my money for whatever reason I need it for is my money that I worked hard for what gives this Bank the right to steal my money and dictate my whole life for the last three years you guys need to do something about this bank and y'all need to do something about this bank now cuz I'm not the only person they doing this to this bank is doing committing crimes on people accounts and they need to be in prison

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 monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
This is in reference to the following debt appearing on my credit report : PRE-Account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX AZ XXXX ORIGINAL CREDITOR : XXXX XXXX PLACED FOR COLLECTIONS ON : XX/XX/22 I asked for validation of this debt requesting all of these items : Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
Please provide the name and address of the bonding agent for XXXX in case legal action becomes necessary. 

They only provided me with an application to rent completed by someone online. They have no copy of my identification, they only have fraudulently supplied and inaccurwte information. I also reported this to the FTC as ID theft and supplied them with a copy. Now they are asking me for NOTARY SIGNED POLICE REPORTS, Copies of leases, I was homeless during that time and have not way to provide those items. 

Please help! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on 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 2023-09-20 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: IN

Complaint narrative:
My payments have now been transferred, but they are not correctly applied. I emailed Nelnet because of the incorrect payment and their email response is that they can't get to all emails and to call. I'm trying to avoid the XXXX hour wait time yet again to talk to someone. My payments are not correctly applied, therefore I'll be accruing interest incorrectly.

Company response to consumer: Closed with explanation