vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AK

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. 

CORNERSTONE CREDIT SER 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 an 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 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: AK

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 XXXXXXXX, 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 an 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 non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I CALLED IN REQUESTED OLD ADDRESSES TO BE DELETED FROM MY CREDIT REPORT. ON XX/XX/2023, I RECEIVED AN UPDATE FROM EXPERIAN THAT XXXX ADDRESSES WERE REMOVED. THE XXXX Card IS STILL REPORTING LATE PAYMENTS WHICH STILL VIOLATE THE TIMING OF PAYMENT. I ALSO DID NOT GIVE EXPERIAN PERMISSION TO REPORT ANYTHING THAT IS CAUSING ME TO BE UNABLE TO USE MY UNLIMITED CREDIT.

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 2023-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have been banking with Wells Fargo for a couple months I have been having alot of issues with them since I have been banking with them. 
I had an issue with them giving me my {$300.00} bonus offer!!!! and now I have an issue again with them closing my Wells Fargo account!!! I had {$500.00} in my account and they closed it!!!! then they stopped my online banking acess as well!!! it's always something with them!!!! all I want is my money back so I can take my business elsewhere!!!! please help!!!! my child didn't get to have a good XXXX because of this!!! this isn't right!!!! because of them my son will not get his ssi money on time and I have to find a new bank!!!!

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 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 ( 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 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: PA

Complaint narrative:
My student loan is currently due on the XXXX of each month. This date is the same as my car loan and auto insurance payment so I wanted to request a new due date to space out payments so my bank account is not negative and I can pay other bills. 

I have called several times and spoke with several representatives regarding this and every time I am told give it XXXX weeks for the changes to reflect in the system. I log on today XX/XX/XXXX and to my surprise the due date still shows XX/XX/XXXX with a 15 day past due balance even though I have been requesting the due date be changed. 

I called on XX/XX/XXXX which lasted XXXX hour and XXXX minutes and was told the date would be changed to be due the XXXX of each month. 

I called on XX/XX/XXXX which lasted XXXX hours and XXXX minutes and was told the date would be changed to be due the XXXX of each month. 

I called on XX/XX/XXXX which lasted XXXX hour and XXXX minutes where I was asked to bring my account to current status and when I explained I have been trying since XXXX to get the date changed I was placed on hold for the person to look into my account then to be told she was locked out of my account and reaching out to another department and when I was placed back on hold the representative disconnected the call and I was placed back into the normal phone loop with the option of waiting another XXXX minutes to speak with someone else. 

I am not trying to avoid paying my debts. I simply want to change the date so I can afford to pay all of my other bills. I am also mad cause it now looks like I missed a payment which will ruin my XXXX XXXX when I made multiple calls and put in the effort to wait on hold to speak with someone to resolve the issue. This is out of hand and uncalled for and will potentially be ruining people 's credit scores which is NOT ok!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account 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 non-monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I noticed on XX/XX/ that this account was opened a result of identity theft and this person pretended to be me along with making payments on this account. This has greatly impacted my credit score along with me getting a job, a vehicle and a home as I have been XXXX for a year as a result of a job loss in which I was unable to pay my expenses. I have no family nor friends for support, I have been disowned by my family for my XXXX lifestyle which has resulted in me being on my own since the age of XXXX, I have no friends due to my social XXXX, money problems and I was taken advantage. This situation has caused a lot financial distress/hardship, mental anguish and multiple XXXX attempts and I just want this to be over so I can move on with my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I noticed on XX/XX/ that this account was opened a result of identity theft and this person pretended to be me along with making payments on this account. This has greatly impacted my credit score along with me getting a job, a vehicle and a home as I have been homeless for a year as a result of a job loss in which I was unable to pay my expenses. I have no family nor friends for support, I have been disowned by my family for my XXXX XXXX which has resulted in me being on my own since the age of XXXX, I have no friends due to my XXXX XXXX, money problems and I was taken advantage. This situation has caused a lot financial distress/hardship, mental anguish and multiple XXXX XXXX and I just want this to be over so I can move on with my life.

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 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to 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 non-monetary relief
Consumer complaint received 2023-12-27 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: PA

Complaint narrative:
I currently have accounts on all three of my credit reports.

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 2023-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IL

Complaint narrative:
On XX/XX/XXXX XXXX Bank frozed my account due to irregular activity they say I was spending money to fast.When I am a truck driver who was on vacation with his children.I am now homeless and kids had a bad XXXX because of it.Car got repossessed I really believe account was frozed due to discrimination it was no reason for account to be frozen at all I have documentation proving where I got money from..And me and my children has no food to eat for XXXX weeks.They put my money in a GL account.Saying its a fraudulent account.When it was actually my tax refund from XXXX opened up account with them and gave them a cashiers check from XXXX, another institution.That account was closed due to address verification.I trusted them they opened my account and frozed XXXX dollars.Initial balance was XXXX dollars.Please give me call XXXX if any questions or email me at XXXX thank you and happy new years

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 2023-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: OK

Complaint narrative:
I went to XXXX XXXX in XXXX, MO to see about purchasing a used car in XX/XX/XXXX. I was only able to qualify for a very high interest rate due to my XXXX XXXX. I paid a down payment of {$1000.00}, got a XXXX XXXX XXXX. I was told I would get payment information from Santander XXXX, as well as the title. I got XXXX letter from Santander XXXX with my payment information, due date but I had no account number assigned at that time. I didnt hear anything from the dealer until XX/XX/XXXX or so when the finance XXXX from XXXX XXXX XXXX told me they did not have a title available for the vehicle, I had to bring the car back, I was told because its illegal to sell a car that has no clear title. I was still concerned about the interest rate ( 27 % ) I was told they could make a better deal on a different car. I was out of town until XX/XX/XXXX and brought the vehicle back to the dealer as instructed. The finance guy had me in his office, the car title had been located and he wasnt going to redo the deal for a lower interest rate. I signed the title and went on my way with the car. The title came to my home by courier the next day. I called Santander Consumer that day on the information contained in the XXXX letter I got, and none of the information I had would allow me to set up an account or pay. I finally spoke to a live agent who informed me that I had sold the vehicle back to the dealer, had no balance, no pending payments, no way to set up future payments without a current balance. I asked the agent how to handle payments he told me I would get another notification in the mail when there was a balance. I never received any correspondence from Santander. In the months from XXXX to about XXXX I wasnt able to get through the Santander phone system to set up an account based on the only letter I got from them. In about XXXX, I finally got ahold of someone, my loan had already been charged off, ready to repossess the vehicle. I spoke with XXXX XXXX XXXX Santander several times over the next months made some payments but unable to cure the default, so far. Again I had no communication via phone, email, letter about my account until the offer to cure the default about {$6000.00} in XX/XX/XXXX. They are ready to repossess the vehicle, XXXX trying desperately to come up with the money to avoid a car repossession, due to the reporting to the credit bureau since about the charge off my XXXX XXXX has dropped by over XXXX points, I have few options. I felt like I was not treated fairly by Santander XXXX or XXXX XXXX. XXXX trapped in an impossible situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 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: CA

Complaint narrative:
Im begging you please remove this to the 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 non-monetary relief
Consumer complaint received 2023-12-26 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: TN

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-12-27 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: IL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-12-27 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: IL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I've provided all essential documentation and I urgently request a detailed review of this situation. These unauthorized inquiries on my credit report are a source of great concern for me. I hope you can swiftly address and rectify this matter, given its importance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I was a victim of security data breach and was a victim and they wont respond or fix my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: DISCOVER BANK
State: TX

Complaint narrative:
I am consumer of Discover credit card since XX/XX/XXXX and since XX/XX/XXXX I am chasing the company to report my credit and work with credit firms but they are keep rolling me. 
On XX/XX/XXXX they sent back the details to XXXX XXXX and still I can see no open account there and no score generated They are saying it should be reflect in 60 days but they are not sure on this. 
Same process they followed in XXXX or XXXX and it did nothing It is causing a lot rejection on my apartment application and other things. I am single earning person in my house with XXXX dependent and I am not getting apartment for rent due to no credit history. 
It is affecting my financial and mental health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX is reporting 30 days late on a closed account and reported 2 late payments during loan installment. Both of these issues are not true. The account is paid off in full and closed and all payments were made on time.

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