vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I purchased a car in XXXX and the loan provide at the time was XXXX. This car was totaled and paid off by XXXX in XXXX. I never missed a payment or had the car repossessed. Both XXXX and Equifax have derogatory comment listed on my credit report. Redeemed or reinstated repossession/fixed rate ( equifax ) and redeemed repossession ( XXXX ). I sent a letter to XXXX ( who bought XXXX and services the loan ) with this information and did not receive a response. I also called and spoke to an associate and they could not find where this vehicle had been repossessed. I reported this to the credit agency and they denied the request. Ive also attached information confirming the car that was totaled was the car connected to the account in question. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: AR

Complaint narrative:
I purchased a car in XXXX and the loan provide at the time was suntrust. This car was totaled and paid off by XXXX in XXXX. I never missed a payment or had the car repossessed. Both XXXX and XXXX have derogatory comment listed on my credit report. Redeemed or reinstated repossession/fixed rate ( XXXX ) and redeemed repossession ( XXXX ). I sent a letter to Truist ( who bought suntrust and services the loan ) with this information and did not receive a response. I also called and spoke to an associate and they could not find where this vehicle had been repossessed. I reported this to the credit agency and they denied the request. Ive also attached information confirming the car that was totaled was the car connected to the account in question. 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 2024-03-17 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: TX

Complaint narrative:
I requested bureaus XXXX, Transunion, and XXXX to reinvestigate accounts : Account name : XXXX XXXX XXXX XXXX ( XXXX ). Their results determined everything was complete and accurate. However, I am finding the reporting accuracy across the 3 bureaus is not correct. According to 15 USC 1681i ( 5 ), the bureaus are required to modify accounts that aren't reporting correctly. 

I am requesting proof of investigative efforts for this account. If proof can not be provided, I am requesting this account be deleted from my credit report due to inaccuracies.

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 2024-03-17 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:
I requested bureaus XXXX, XXXX, and Equifax to reinvestigate accounts : Account name : XXXX XXXX XXXX XXXX ( XXXX ). Their results determined everything was complete and accurate. However, I am finding the reporting accuracy across the 3 bureaus is not correct. According to 15 USC 1681i ( 5 ), the bureaus are required to modify accounts that aren't reporting correctly. 

I am requesting proof of investigative efforts for this account. If proof can not be provided, I am requesting this account be deleted from my credit report due to inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Consumer sent correspondence requesting the Cusip number and Remic loan number attached to their loan. NELNET completed disregarded consumers request for this specific loan and account information. According to NELNET 'S SEC filings they have been trading the consumers note on the secondary market, not providing the investor with their shares, which consumer has submitted an INVESTOR COMPLAINT via the Securities and Exchange Commission. Because of NELNETS negligence and will full non compliance CONSUMER has elected to OPT OUT of reporting their personal and non public information. The Fair Credit Reporting Act regulates the consumer reporting agencies that compile and disseminate personal information about consumers. 15 U. S. C. 1681 et seq. The Act also creates a cause of action for consumers to sue and recover damages for certain violations. 1681n ( a ). As stated in one of the letters sent to NEL NET, pursuant to, 15 U.S. Code 6801 - Protection of nonpublic personal information : ( a ) Privacy obligation policy 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. 

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: GA

Complaint narrative:
Im being harassed by collection company trueaccords. Ive been harassed for months with unknown reasons to collect money & illegal intent to extort me to pay unidentified debt to them. 

Suspects : XXXX XXXX Suspects : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have disputed this account XXXX XXXX XXXX XXXX with every major credit agency and submitted documents proving that I paid my XXXX XXXX XXXX XXXX credit card account to a XXXX balance on XX/XX/XXXX & this recorded on my XXXX XXXX statement reflect thats and I called XXXX XXXX XXXX XXXX & prove through documents that XXXX XXXX XXXX XXXX is violating FCRA by reporting to the all 3 credit agencies that I owe XXXX XXXX XXXX XXXX XXXX $ write off because its obviously through XXXX XXXX statement and XXXX XXXX statements that I was a victim of identity fraud and unauthorized use of all my credit cards and banks cards. Anybody can get on XXXX and put my name and date of birth of birth and see that I was held at the XXXX XXXX XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX and I add XXXX XXXX XXXX does not have Wi-Fi capabilities or tablets in their facilities. Therefore the use on my XXXX XXXX XXXX rewards card that happened after XX/XX/XXXX of XXXX is obviously unauthorized use also XXXX XXXX and a bank extra money every month for credit protection, they have investigate for over 60 days I feel like it is open and shut case I called it directly through XXXX  XXXX I recently sent documents in the mail with their investigations at my account that one is still violating the FCRA And I request through section 611 how did they come up with their information to say that they write off {$110.00} credit report request section 608. 
This is ridiculous investigation has went on this long and XXXX XXXX XXXX XXXX is still reporting false information on all three of my major 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 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have disputed this account XXXX XXXX XXXX XXXX with every major credit agency and submitted documents proving that I paid my XXXX XXXX XXXX XXXX credit card account to a XXXX balance on XX/XX/XXXX & this recorded on my XXXX XXXX statement reflect thats and I called XXXX XXXX XXXX XXXX & prove through documents that XXXX XXXX XXXX XXXX is violating FCRA by reporting to the all 3 credit agencies that I owe XXXX XXXX XXXX XXXX XXXX $ write off because its obviously through XXXX XXXX statement and XXXX XXXX statements that I was a victim of identity fraud and unauthorized use of all my credit cards and banks cards. Anybody can get on XXXX and put my name and date of birth of birth and see that I was held at the XXXX XXXX XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX and I add XXXX XXXX XXXX does not have Wi-Fi capabilities or tablets in their facilities. Therefore the use on my XXXX XXXX XXXX rewards card that happened after XX/XX/XXXX of XXXX is obviously unauthorized use also XXXX XXXX and a bank extra money every month for credit protection, they have investigate for over 60 days I feel like it is open and shut case I called it directly through XXXX  XXXX I recently sent documents in the mail with their investigations at my account that one is still violating the FCRA And I request through section 611 how did they come up with their information to say that they write off {$110.00} credit report request section 608. 
This is ridiculous investigation has went on this long and XXXX XXXX XXXX XXXX is still reporting false information on all three of my major 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 explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
XX/XX/2024 XXXX XXXX LOCATION INFORMATION : XXXX XXXX XXXX, XXXX, GA XXXX ACCOUNT # : XXXX Dear XXXX XXXX XXXX, THIS lS A NOTICE TO CEASE AND DESIST THE PHONE CALLS AND LETTERS I HAVE BEEN RECEIVING FROM YOU. AS MY RIGHT UNDER THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ), 15 USC 1692C ( C ) TO BE EXACT, I AM FORMALLY REQUESTING THAT YOU CEASE AND DESIST ALL COMMUNICATION WITH ME AND MY FAMILY AND FRIENDS IMMEDIATELY. 

CEASE AND DESIST ALL NEGATIVE CREDIT REPORTING. 

ANY FURTHER CONTACT BY YOUR COMPANY OTHER THAN A LETTER : 1. STATING THAT YOU RECEIVED THIS LETTER ; OR 2. WHAT SPECIFIC ACTION YOU INTEND TO TAKE ; OR 3. TO ADVISE ME THAT YOUR EFFORTS ARE BEING TERMINATED ; OR 4. TO REPOND TO THE DEBT VALIDATION AND VERIFICATION LETTERS, WILL BE A VIOLATION OF MY RIGHTS ACCORDING TO THE FDCPA AND I WILL FILE A COMPLAINT WITH THE ATTORNEY GENERAL AND THE FTC. 

THANK YOU FOR YOUR PROMPT RESPONSE TO THIS REQUEST. 

SINCERELY : XXXX XXXX NOTIFICATION IS COMPLETED UPON RECEIPT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: UT

Complaint narrative:
I am writing to bring to your attention a concerning matter regarding a dispute involving a transaction made through my Sofi bank account. On XX/XX/XXXX, I initiated a payment of {$700.00} via XXXX to purchase electronic products and stock shares from a seller named XXXX XXXX. Despite my efforts to communicate with the seller through various channels, including XXXX XXXX, I did not receive the products as promised. The seller assured me of a refund but subsequently ceased all communication. 

Approximately XXXX month after the payment was made, I initiated a dispute with XXXX and provided all relevant documentation, including the invoice provided by the seller, a police report, FBI report, and FTC report ( as the seller has all my legal information ) confirming the fraudulent nature of the transaction and No Product has been received. Despite the evidence provided, XXXX closed the case without seeking further evidence from the seller 's side, due to their terms and policies. 

Upon XXXX 's suggestion, I contacted Sofi bank on XX/XX/XXXX, and filed a dispute with their supervisor. I was informed that I would receive an email requesting additional evidence. However, instead of requesting information, Sofi closed the case without further communication. 

Concerned by this outcome, I contacted XXXX to inquire if Sofi had reached out to them for additional information. To my surprise, XXXX confirmed that Sofi had not contacted them and had not requested further information from me. 

Subsequently, I contacted Sofi again to reopen the dispute and offered to provide any additional evidence necessary for their investigation. However, since XX/XX/XXXX, I have not received any response or credit from Sofi, despite the guidelines outlined in Regulation E, which grants them up to XXXX business days to investigate disputes. 

I am deeply concerned that Sofi has not followed federal guidelines and regulations to protect consumer rights or adequately investigate this matter. It is evident that their actions do not align with the principles of fair dispute resolution or protecting the funds of their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: NJ

Complaint narrative:
I have numerous FRAUDULENT HARD INQUIRIES. want them to be removed to reflect fair and accurate credit reporting. have NOT authorized any of these hard inquiries and none of them are not attached to ANY open accounts on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-17 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:
Account # XXXX XXXX XXXX $ I am writing to address certain concerns regarding the handling of my personal information as outlined under various provisions of the Fair Credit Reporting Act ( FCRA ) and related statutes. 

It is imperative to underscore the fundamental principles delineated within the Fair Credit Reporting Act ( 15 USC 1681 ), particularly in Section 602 ( a ), which emphasizes the need for consumer reporting agencies such as XXXX and Experian to exercise fairness, impartiality, and respect for individuals ' privacy rights. As a consumer, I am entitled to safeguard my private information, as underscored by the provisions within 15 USC 6801.

Furthermore, in adherence to the policies articulated by the Congress in 15 USC 6802, financial institutions like XXXX CARD are duty-bound to uphold the privacy and confidentiality of their customers ' nonpublic personal information. The law stipulates that any disclosure of such information to nonaffiliated XXXX parties necessitates explicit consent from the consumer, in accordance with 15 USC 6802 ( b ) ( c ). 

Regrettably, I have not been duly informed by XXXX CARD of my right to exercise my nondisclosure option, as mandated by 15 USC 6802. Moreover, the reporting of adverse information without my consent, as reiterated in 15 USC 1681C ( a ) ( 5 ), is a direct violation of my privacy rights and the statutes outlined within the FCRA.

Additionally, I draw attention to 15 U.S. Code 1681s2 ( A ) ( 1 ), which prohibits the furnishing of inaccurate information to consumer reporting agencies. XXXX and Experian 's failure to maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, further compounds these concerns.

Furthermore, pursuant to 12 CFR 1016.7, I hereby exercise my right to opt out of your reporting services with immediate effect. 

In conclusion, I expect full compliance with the provisions of the FCRA and related statutes regarding the handling and dissemination of my personal information. Your prompt attention to these matters is appreciated. 

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 explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am unaware of this debt, {$800.00} opened XX/XX/XXXX, balance updated XX/XX/XXXX. 
I didn't have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I have received proper notification please provide the certified mail with a receipt of my signature on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
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. These accounts and Inquiries 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 2024-03-17 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: TRANSWORLD SYSTEMS INC
State: SD

Complaint narrative:
The XXXX Credit report indicates the following account as delinquent. I have not been billed by XXXX  XXXX XXXXNor have I been informed of a required payment. I DO NOT OWE them any money. This is fraudulent credit reporting. At the very least, I can not be delinquent on an account that I am not even aware of. This is in violation of my due process rights. 

TRANSWORLD SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Account Details Account Details Payment Status Account Number XXXX Name TRANSWORLD SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Date Opened XX/XX/2023 Responsibility Individual Account Account Type open Loan Type COLLECTION AGENCY/ATTORNEY Balance {$12000.00} Original Amount {$9800.00} Original Creditor XXXX  XXXX XXXX XXXX XXXX ) Past Due {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. These accounts and Inquiries 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 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 2024-03-17 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: NJ

Complaint narrative:
I have numerous FRAUDULENT HARD INQUIRIES. want them to be removed to reflect fair and accurate credit reporting. have NOT authorized any of these hard inquiries and none of them are not attached to ANY open accounts on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief