vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, 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:
There has been a stream of accounts opened under my name and social security number. I did not recognize nor authorize any of these accounts that I have reported. 


XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) the following inquiries are fraudulent ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
This was not sent in error I am a consumer by law and I am frustrated. As of today its been over 90 days and they have yet taken any action to correct the inaccuracies. They Violated The United States Code Law under permissible purpose. I never gave them any written consent to report anything on my consumer report no consent is identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
This people called stating that they were part of and student program that Im actually already and and made it seem like it was for my well beings and had me believe its wasnt fraud got my personal info and now is requesting for money that I dont have and asking for government money and debit cards and harrassing me to pay off a student loan that at XXXX  dollar rate .XXXX  is the company they have no website they call from different numbers they text you every other day and they email fake payment options I am a victim and trusted this people and now Im in a situation with my personal info please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian, XXXX, and XXXX is reporting old addresses that do not belong to me. I have contacted and they will not remove. I am a victim of fraud and there has been multiple things opened on my credit that does not belong to me under many different address. These accounts connected to addresses/names that are not mine need deleted immediately. They have FTC reports showing my filings.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Accredited Collection Service, Inc.
State: NE

Complaint narrative:
I had been on a payment plan with XXXX  XXXX in XXXX, XXXX paying what I could on several ER visits XXXX XXXX, etc. My bank information was on file with permission to draft monthly. I lost my job due to my health condition in XXXX of XXXX and had increased medical bills without income and had to lower the amount I was paying XXXX  XXXX. In XXXX of XXXX I regained employment and began to address bills that were past due or payments were lower than the minimum. I couldnt keep up as I was still in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In XXXX of XXXX the XXXX  XXXX XXXX went to Accredited Collection Service , INC . When a rep would call I would request what amount and services were provided? I was told to open my mail and the rep would review the address on file. I asked the minimum payment to begin paying the debt. I was told by Accredited Collection Service, INC. each time a rep called the same line. No payment would be accepted other than the total amount due or an attorney would be contacted and I would be responsible for those fees as well. I do not have access to {$1900.00} to pay the medical bill in full. I explained this each time. I also explained I could pay monthly {$100.00}. I was told I could not pay any partial amount other than the full amount due. At my home a sheriff delivered a summons indicating I am being sued by Accredited Collection Service , INC. on Saturday, XX/XX/XXXX. I have since received mail from local attorneys citing each has found the suit and offers their services. I dont think the practices of Accredited Collection Service, INC. are sound or ethical. If I would have been well I could have qualified for assistance with XXXX  XXXX. If any other debt collector I could pay payments. Coming up with $ XXXX or go to court is absurd.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX has been Over 60 days later I still have not been removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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 confidentially under 15 USC 1681. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX has violated my rights. 15 u.s.c. 1681 section.s 602 A. States I have a 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: 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 confidentially under 15 USC 1681. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 u.s.c. 1681 section.s 602 A. States I have a 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: 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 confidentially under 15 USC 1681. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 u.s.c. 1681 section.s 602 A. States I have a 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX has been Over 60 days later I still have not been removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX has been Over 60 days later I still have not been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Called the companies to let them know about the unknown inquiry and asked for them to investigate and delete within the time frame designated by the CCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC
State: AL

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Reporting Act XXXX  accounts : XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX. And all listed inquiries 15 USC 1681 Section 602A- I have the right to privacy.

15 USC 1681 Section 604A ( section2 ) - Consumer reporting agencies can not report any accounts with out my written instruction from a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Reporting Act XXXX  accounts : XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX. And all listed inquiries 15 USC 1681 Section 602A- I have the right to privacy.

15 USC 1681 Section 604A ( section2 ) - Consumer reporting agencies can not report any accounts with out my written instruction from a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was a victim of fraud and scam scheme where I was deceived and lost {$500.00} via XXXX XXXXy Cash Person-to-Person. Once the transaction occurred the fraudulent merchant blocked me and no further communication could be made with the merchant. Immediately once the transaction was posted to my checking account, I filed a dispute with Wells Fargo. Wells Fargo denied my claim stating that the transaction is not fraudulent and upon calling the claims department to obtain more information, I was told that their definition of fraudulent does not match the dictionary definition and does not cover deception or scams. As a result Wells Fargo is not willing to help me with this fraudulent transaction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, 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: OH

Complaint narrative:
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 All of these are hard inquires on my Equifax credit report in which I did not authorize. 

Equifax- XXXX employee ID XXXX from fraud department refused any assistance even after I spent a total of 4 hours today calling each one of these inquires to request validation of who made these inquires and they could not provide information as to why my credit report was run.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Dear Sir/Madam, I had a checking account and a secured credit card with Citi. A Citi rep later helped me cancel my checking account but did not cancel my secured credit card. 

Because Citi cancelled my checking, they deleted my Citi online account. 

I later received an email from Citi saying that I had a $ XXXX credit card bill that needed to be paid. I tried logging into Citi to see the transactions and to pay any balance. But I could not because Citi deleted my online account. 

I tried to sign up for another Citi account but I had lost my credit card. So I tried to call Citi to get a replacement card but they wont let me speak to an agent. 

Citi 's automated chat wants my SSN or debit/credit card number to proceed.

Every time I enter my SSN, it says it is not recognized.

There is no other way for me to contact Citi.

Now, Citi has added late fees and my bill is like {$100.00}. 

I need Citi to remove these late fees and issue me a new credit card.

Thank youXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
I am complaining about an improper reporting of a 30-day late mortgage payment that was not my fault. I submitted my payment on the loan servicer 's website and received an email confirmation that my payment was received. The next day, I received a second email confirmation that my payment had been processed. 

However, due to an auto-fill function on the website, apparently, my routing number became corrupted which caused a data processing error, and the bank never received or processed my payment. I did not receive any notice of this fact until after the payment was 30 days late, at which time I immediately re-submitted the payment. 

I do not feel that I am responsible for the data processing error which is resulting in a 30-day late report to the credit agencies. I have never made a late payment on this mortgage and otherwise enjoy a perfect credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I WENT TO CAR DEALERSHIP TO BUY A CAR ASK CAN MY CREDIT BE RAN ONCE BY DEALER THEY IGNORE IT RAN IT OVER 3 TIMES HURTING MY PROFILE WHEN I DID NOT CONSENT TO SUCH

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
So I sent a letter off on XX/XX/2022, to remove personal information that I did not want on my credit

report. According to the fair credit reporting act 15USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is supposed to share my information to third party people. These are clear violations of my federally protected consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
So I sent a letter off on XX/XX/2022, to remove personal information that I did not want on my credit report. According

to the fair credit reporting act 15USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is supposed to share my information to third party people. These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I asked the company to take it off because it is expired but it's still on my credit report the

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DirectArms
State: WV

Complaint narrative:
There is a debt collection that I didn't know about, opened Date openedXXXX, I've visited the XXXX website to view my report and just recently seen this debt collection on there and I immediately filed a dispute over the debt collection because I don't know who the debt collector is or what the debt is from that they're trying to collect, I never received any type of notice about the debt. Here 's the info for the debt collection : Account nameDIRECTARMS, Account typeCollection, Date openedXXXX, Status updatedXXXX XXXXXXXX, Balance {$530.00}, Balance updated XX/XX/XXXX, Original balance {$500.00}, Original creditor XXXX XXXX XXXX XXXX This the only way to contact this company, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I asked the company to take it off because it is expired but it's still on my credit report the

Company response to consumer: Closed with explanation