vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-29 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:
THIS PRESENTS A SERIOUS PRIVACY CONCERN PERMISION WAS NEVER GIVEN I am writing to bring to your attention discrepancies in my credit report that I believe are in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681. Upon reviewing my credit report, I have identified instances that appear to be in contravention of the following FCRA sections : 1. 15 U.S.C. 1681, Section 602 : This section emphasizes my right to privacy and ensures that the information reported accurately reflects my credit history. 2. 15 U.S.C. 1681, Section 604a, Section 2 : According to this section, a consumer reporting agency can not furnish an account without my explicit written instructions. 3. 15 U.S.C. 1666b : This section stipulates that a creditor may not treat a payment on a credit card account as late for any purpose. Given the violations outlined above, I hereby request a thorough investigation into the inaccurate information reported in my credit file. I urge you to take immediate action to correct these discrepancies, as they adversely impact my credit standing and infringe upon my rights under the FCRA. *** I DID NOT AND DO NOT GIVE MY PERMISION FOR THE FOLLOWING ACCOUNTS TO BE REPORTED **** The following accounts are in violation : and have no permission to report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPT OF ED/XXXX XXXXXXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-01-30 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2024-01-30 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'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 explanation
Consumer complaint received 2024-01-29 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: MD

Complaint narrative:
Please remove hard inquiries. 
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 2024-01-29 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: MD

Complaint narrative:
Please remove hard inquiries. 
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 explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has refused to provide me with a free copy of my annual credit report. 
I informed them that creditors refused offering credit based on information they are reporting. 
Equifax, who had recently reported a credit breach in their system, and who I no longer therefore trust with the security of my informations, has demanded a photocopy of both my governament issued ID and my social security card in order for them to provide to me my credit report. 
I fear them keeping copies of my government issues IDs would expose me to identify teft. 
They asked security questions to verify my identity and I complied. 
Initially a customer service rep of theirs, had asked a copy of my utilities bills as a safer alternative but the next representative I spoke to, after we got disconnect by a poor connection, insisted on the photocopies of DL and social security card as the only way for me to receive a copy of my credit report. 
Since most USA citizen can get their free annual report just by requesting it, I am feeling discriminated upon.

They have also refused to let me record the absurd conversation.

So if I don't let this agency, whose security breach had put customers at risk for identity theft, store my delicate information, I won't have access to my credit report from them and no way to dispute the inaccuracies.

I even offered sending them a notarized letter that verifies my identity in a written request for a copy of my report.

They again refused to provide my report.

I just want a copy of my report without putting myself at risk that someone else could impersonate me, being in possession a copy of my DL and SS card.

Their past security breach is the proof that personal informations are not safe with this agency.

Thank you for your time. 

Best

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Equifax is reporting a false bankruptcy! I need proof of how his information was obtained! And removed as soon as possible!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TN

Complaint narrative:
Overview You have 100 % left to pay on this collection. 

Balance {$950.00} Highest Balance {$950.00} Opened XXXX XXXX, XXXX  ( XXXX yr, XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX  XXXX  Closed No Info See an error? 
SEE AN ERROR? 
If there's an error on your report, you can submit a dispute. 

DISPUTE AT XXXX Creditor Information JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX  Account : XXXX XXXX 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 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.

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 2024-01-30 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: IL

Complaint narrative:
from XXXX late payments were made on my credit report I was not late which I did not authorized nor was i given the option to opt out. 15 usc 6802

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 2024-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
Im a US bank customer for more than 10 years. I mailed two checks to the county of XXXX on XX/XX/XXXX for my property taxes. I dropped off the mails in the mailbox in front of the post office. Both checks were stolen. One with the amount of {$9900.00}. I filed an investigation with US bank on XXXX  The other check with the amount of {$5700.00} filed on XXXX I am following up with the bank by phone and in person to a branch. Every time I receive different information regarding how soon I can receive my money back. Last conversation with XXXX XXXX the fraud supervisor was today, he said that it can take up to 4 months to complete the investigation. And bank is not liable to give me provisional credit. Please kindly assist me. Since I am paying interest on this amount, I have already had {$550.00} delinquency fee. Sincerely

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 2024-01-30 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello to the representatives of CFPB and Chase. I am contacting in regards of a problem I am facing with Chase. I purchased something from XXXX XXXX for about XXXX XXXX  dollars. I decided to return the products back to XXXX XXXX, where I got only XXXX out of the XXXX XXXX refunded back to me. I kept reaching out to XXXX XXXX  to resolve the problem they kept telling me to wait and wait every time. I decided to contact Chase to resolve it by creating a dispute. Chase told me that it is not possible to open a dispute, but I made sure to tell them that I had to wait this much to get this problem taken care of. Now neither XXXX XXXX or Chase is responding to my requests and I really need some help getting this under control. I did not know there was a certain amount of time that I needed to wait. Also I could not really get a claim going whenever I was trying to resolve it with XXXXXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On or about XX/XX/XXXX I received again the following documents from ELLS FARGO in the letter attached it specifically states under documentation requests We apologize that we are unable to meet your request and provide specific reasons for this process. To do so would jeopardize the integrity of our investigations so again theyre denying to provide me authenticated evidence i.e documents, call logs, names, anything to support their findings of the transactions withdrawn from my account XX/XX/XXXX by a XXXX XXXXXXXX  being valid or no error occurred but also refusing to reissue my securities back to my account. They also reissued copies of my bank statements which Wells Fargo has been made aware that bank statements are false and misleading representation of evidence and omitted from material facts, statements only show there is an account but it doesnt prove that I was aware of the transactions nor did I give consent, or have knowledge of the transactions in question being taken from my 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 2024-01-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
On XX/XX/year>, I provided written 60 day notice to my apartment complex of an early termination of my lease on XX/XX/year>. On XX/XX/year>, my apartment complex acknowledge receipt of this notice in writing. I moved out of my apartment and completed all relevant paperwork on XX/XX/year>, and had paid all amounts owed through that date. 

On XX/XX/year>, my apartment complex contacted me about alleged late rent for XX/XX/year>, after my move out. I replied the same day to confirm the move out. No response was received from my apartment complex, and through the rest of these emails my former apartment complex has not responded to any further emails, phone calls, or communications to present. 

I have since been referred to collections over this alleged rent owed. Columbia Debt Recovery LLC, XXXX Genesis is handling the collections. Upon receipt of the first email correspondence, I responded within 30 days to ask for verification of the date and explain the above-referenced facts regarding why the debt was not owed. In response, incorrect documentation was produced and is detailed in the attached documents ( i.e. they attached a lease for XXXX, as opposed to the applicable lease for XXXX ) along with failing to respond to the specific issue of the move out and debt not being owed. 

The debt is now affecting my credit and despite ample time and multiple communications to all parties involved, no response has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I received a credit card in the mail and a bill from ULTA BEAUTY A store in XXXX CA. 
XXXX # XXXXXXXX XXXX XXXX {$420.00} ULTA # XXXX XXXXXXXX XXXX {$70.00} ULTA BEAUTY REWARDS

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: TX

Complaint narrative:
NELNET : Please credit my account {$650.00} for your mistake or backdate my two loans that are yet to be placed in XXXX. 

In XXXX, Nelnet confirmed my loans had been moved over to XXXX. I confirmed this change. In XXXX, I logged in to find two of my loans, for {$41000.00} had not been moved to XXXX  and my account was past due for {$460.00}. Nelnet advised me this was because of a technical issue, whereby two loans that were in forbearance were not included in my original XXXX application. Thus, the date of my " application '' for these two loans to move to XXXX  is XX/XX/XXXX. Nelnet advised me standard processing times are XXXX weeks for XXXX applications. 

With this XXXX delay I will accumulate {$650.00} in extra, unexpected interest cost. I can not pay this extra amount as I did not plan for this extra burden, nor think it is ethical, fair, or reasonable to absorb a cost for Nelnet 's mistake and failure to notify me : Loan XXXX  5.28 % {$20000.00} XXXX XXXX XXXX  delay = {$290.00} Loan XXXX 6.54 % {$20000.00} XXXX XXXX XXXX delay = {$350.00} Total mistake cost to me : {$650.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: NC

Complaint narrative:
Please be advised that I sent my first request XX/XX/2023, to review my consumer credit report, there are several fraud/unauthorized inquiries listed. Equifax is notorious for sending back a response that items have been validated or the record is accurate, without providing tangible proof of what research you did to conclude this decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently pulled my credit report, and noticed the following errors are reporting on my consumer report : Inaccurate personal information, Unauthorized inquiries, and Inaccurate reporting on my XXXX XXXX and XXXX XXXX Account. Please investigate and update as they are causing adverse harm to my credit report and good character : A dispute was mailed out to the company certified mail ( XX/XX/XXXX XXXX # XXXX ) I have attached valid copy of Passport, Social, and utility bill with my current ant only address. The only address that should reporting is : XXXX XXXX XXXX XXXX XXXX, FL XXXX The following accounts which needs to be verified, updated and deleted are : XXXX. ) XXXX XXXXXXXX XXXX {$300.00} - Inaccurate Reporting. Update balance {$300.00}. Account has been PAID IN FULL. Unverified LATE PAYMENTS reporting. I request you provide of these alleged late payments. 

XXXX. ) XXXX XXXX Inaccurate Reporting. Update balance to {$15000.00} PAID IN FULL. 
Unverified XXXX LATE PAYMENTS reporting. I request you provide of these alleged late payments. 

XXXX. ) XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX - Unauthorized Inquiry XXXX. ) XXXX XXXX XX/XX/XXXX -Unauthorized Inquiry XXXX. ) XXXX XXXX XXXX XXXX XXXX - Unauthorized Inquiry 8. ) XXXXXXXX XXXX - XX/XX/XXXX, XXXX - Unauthorized Inquiry XXXX. ) XXXX- XX/XX/XXXX, XXXX - Unauthorized Inquiry XXXX. ) XXXX -XXXX  XXXX, XXXX - Unauthorized Inquiry 11. ) XXXX  XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX. ) XXXX XXXX- XXXX XXXX - Unauthorized Inquiry XXXX. ) XXXX XXXX- XX/XX/XXXX, XXXX Unauthorized Inquiry XXXX. ) XXXX - XXXX XXXX, XXXX - Unauthorized Inquiry XXXX. ) XXXX XXXX- XX/XX/XXXX, XXXX Unauthorized Inquiry Please see attachments sent to company. All letters have been sent certified mail and return sender. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. In violation of 1 Section 604 15 U.S.C. 1681 B, Section 605 A 5 U.S.C. 1681 C-1, and Section 605 B 15 U.S.C 1681 C-2. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my 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 2024-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
This complaint comes after numerous attempts, requesting that Continental Finance comes within compliance of Federal Law, of the Military Lending Act ( MLA ). On the Following accounts XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Military Lending Act prohibit any lending to extend credit to a military member where the interest including fees exceeds 36 % The MLA requires the terms and disclosure of the MLA to be in written, and orally. 

I have notified Continental Finance on three different occasions, Of these violations pertaining to my REFLEX and Surge Credit Card, that the MLA caps interest to 36 % including fees and interest.

I have informed Continental Finance that The MLA provides for various enforcement mechanisms. ( XXXX ), a creditor who knowingly violates the MLA can be charged criminally with a misdemeanor. 10 U.S.C. 987 ( f ) ( 1 ). ( 2 ), The MLA, as amended in 2013, allows covered members to sue anyone who violates the MLA for actual damages not less than {$500.00} for each violation, punitive damages, attorneys fees, and costs.10 U.S.C . 987 ( f ) ( 5 ). Moreover, under the MLA, any credit agreement, promissory note, or other contract prohibited under this section is void from the inception of such contract. 10 U.S.C. 987 ( f ) ( 3 ). The MLA prohibits a creditors from extending consumer credit with a military annual percentage rate of interest greater than 36 %. 10 U.S.C. 987 ( b ) ; 32 C.F.R. 232.4 ( b ).

Continental Finance has ignored all reasonable requests to cease and desist violating the above Federal laws, I have asked them on countless occasions to come within the guidelines of the law and issue a refund for the illegal funds they have collected. Although the law directs the creditor to void the illegal contract. Continental Finance refuses to respond and has continued to pile on interest and various fees in violation of the MLA.

I have informed Continental Finance that their knowledge of the law and continuous violations constitute criminal actions.

I have informed Continental Finance that the law provides that I am entitled to sue for no less than {$500.00} per illegal transaction, but Continental Finance shows no concern or no remorse in the actions they continue to execute.

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 2024-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I settle both debts & was told both accounts would be deleted off credit. Fast forward now I am being told its against company policy to delete the accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation