vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-17 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:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 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 2023-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I have been dealing with Student Aid and Nelnet both at the same time by submitting requested information and communication so they both are on the same page with my account and yet they do not seem to communicate with one another. I have submitted a complaint to Student Aid about Student Aid and also a complaint to Student Aid about Nelnet. I am seeking to be on the SAVE Plan which I have submitted my request to both parties and Nelnet it is so hard to reach, documents you can not submit online to their site, the email feature does not work and to get in touch by phone I am left on there for hours no matter the time of day until I hang up and if you get a live person it is by the grace of XXXX. I would like to know what is happening with my account by someone who actually knows because it seems reps will say it's being processed, say or ask me things without even reviewing my account first or anything other than the truth to appease me during the call or to get me off the phone. I've already stated to both parties the amount is too high when it was on standard and still unaffordable when they brought it down to the monthly XXXX amount. My account is currently on forbearance but the interest is still growing while my application is just sitting. If I couldn't afford it then I don't know how I will afford it when I finally do get an answer on my owed amount. I am extremely mortified on how my account is being handled as these outsourced companies had ample time to get in gear for the rush of customers they would have to serve. All I have asked from both Student Aid and Nelnet is for my SAVE application to be processed & my account updated in a quick and professional manner so that we are all on the same page. Even though I visit the sites every couple of days for insight I am still confused on what's happening because Nelnet 's wording weirdly phrased, and Student Aid just passes everything off to Nelnet to guide customers and Nelnet seem just as confused as us customers. I should not have to be left to wait & wonder for months for an answer as it seems they are purposely leaving my account in waiting so the interest will grow which will result in a strain on me financially. I hope this matter can be resolved quickly and efficiently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
First off, thank you for taking the time to read this letter. I'm writing because I noticed that my most recent credit report contains a series of late payments that's reported in XXXX for my old American Express account. I want you to know I completely understand my responsibility to make payments on time and pay off outstanding balances. 

My account was closed completely by the end of XXXX. If you look into my log in activity besides my most recent logins from this year, that last official login was XXXX of XXXX had a remaining balance of {$11.00} that I was never notified on. No mail was sent to me or any phone calls. I paid the balance on XX/XX/XXXX. I now have multiple negative marks for late payments on my credit report. If it wasn't for me never being notified for my balance I assure you I would have paid off the {$11.00} a long time ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX XXXX  I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-10-17 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: MI

Complaint narrative:
XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX. I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 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: NV

Complaint narrative:
See attached

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 2023-10-17 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: MI

Complaint narrative:
XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX Account # 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 genisys credit union. I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-10-17 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are reported with late payments and I never had these. The information is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are reported with late payments and I never had these. The information is incorrect.

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 2023-10-17 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 have been having this issue since XX/XX/ and these accounts do not belong to me and were caused by identity theft/fraud. I have requested several times that the companies need to send me the debt of validation letter but they have failed to do so 3 times and that's breaking the law. per 15 usc 1681b as a consumer I know my rights and this is illegal. These accounts were not authorized by me at al and they should not be reporting. Before i report you to the XXXX XXXX XXXX  and my attorneys general I will give you all 1 more chance to reinvestigate this matter the right way.

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 2023-10-17 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX XXXX  I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
In 2014 my current account with Chase had included the of benefit a safety deposit box for free, they opened for me at XXXX XXXX XXXX branch. I have never used it, the bank decided to remove last year the product as benefit, they are charging me as automatic payment XXXX for it which I have been paying so far because they do not allow me to close the box unless I personally go to the mentioned branch. I live in XXXX by now, I am not able to travel to XXXX to do this closure at the branch as they request. I have nobody to provide a power of attorney to do it for me there. I continue having all the products with this bank, I have contacted customer service number XXXX requesting assistance to close it, they referred me to a branch in XXXX, I filed a complaint with XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX who was very surprised this is the rule for the bank and tried to support me without success. I receive a call XXXX from their call center saying again I need to go to the XXXX branch if I want to close it, without any solution. I was confirmed even if I close all the products I have with the bank the safety box will remain active and chargeable. I am not rejecting the payment of it but I do not need the product that the bank offered for free and now to be able to get rid of it I would need to travel to another state with the expenses involved. I does not seem to be fair for a customer to be given a product by the bank and having after this big issue because they just decided not offering it anymore, not allowing the customer to close the product. 
my name is XXXX XXXX XXXX XXXX, the safety deposit account is XXXX offered within the package of my current account XXXX. The bank is obligating me to a product that I do not need nor want or requested. I believe nobody should be obligated as they are doing to have something you do not need. They should allow me to close it from any of the branches as the bank offer country wide service/branches.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 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: 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. 

has violated my rights. Or a list of inquiries : 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 2023-10-17 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: 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.

has violated my rights. Or a list of inquiries : 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 2023-10-17 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
In Accordance with the Fair credit reporting act, This creditor has violated my rights. Under 15 U.S.C 1681 section 602 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. Under 15 U.S.C 1666b a creditor may not treat a payment on a credit account under an open end as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo letter to CFPB Complaint Number XXXX is misleading and dishonest. Why would they be a contributor to this bad business practice. Since Wells Fargo is in partnership ship with XXXX XXXX XXXX and XXXX XXXX, Wells Fargo needs to answer the following from Complaint XXXX That is on ( attachment c-3 ) from the so-called loan application.

under Federal Notices If appliable to transaction, to help the government fight terrorism and money laundering activities, Federal Law requires financial institutions to obtain, verify and record information that identifies each person who opens and account. Please explain exactly what is being said in very descriptive Essay to The Consumer Financial Protection Bureau and myself, XXXX XXXX XXXX? Furthermore, under Federal Notices it says, What this means for you is when is that you will be ask your name address, birth date to identify you, You may also be asked your driver 's license? That does not even come close to explain what the top half of the paragraph meant. Why the confusion and delusion?

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 2023-10-17 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: CA

Complaint narrative:
Transunion has illegally re-aged the account with XXXX XXXX Child Support, The original first date of delinquency was XXXX this has been disputed in the past, and deleted multiple times because of it being past the statute of limitations with date of first delinquency XX/XX/XXXX, with it being re-inserted back onto my credit report, but this time Transunion has taken it upon themselves to place the item back onto my credit report, illegally tampering with my credit file deleting all history from XXXX XXXX XXXX to deceptively hide the date of first delinquency, illegally re-aging the account to make it appear recent so that they can continue to report it, Transunion had slipped up when they knew I had the original date of first delinquency, and would have caught on to their misdeeds i have called Transunion on.numerous occasions, disputing the inaccurate information, I have filed numerous complaints through the CFPB providing evidence of fowl play on TransUnion 's end, but Transunion continues to violate the fair credit reporting act, illegally re-aging debt. Transunion has ignored my disputes, and would close my disputes out in less then 30 days with the item still remaining on my credit report, Transunion continues to do nothing but state they updated information, updated this, updated that, but when I check my credit it still remains on there, those days of updating are over, TransUnion knows the account was to have been deleted a long time ago, transunion has chosen to.be willfully non-compliant in deleting the XXXX XXXX illegally re-aged account off my credit file. No more updates, I want to see action. The item is considered ( re-aged zombie debt ) and it's unfair, ita damaging to both me, and my 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 non-monetary relief
Consumer complaint received 2023-10-17 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I asked Experian to investigate the inaccurate reporting for an account appearing on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, because of inaccurate and unverifiable payment history. 

Pursuant to FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY, Experian is required by law to update, correct or delete this account. Experian did neither ; the status updated for this account still remains as XXXX XXXX XXXX  The notification sent to me stated the item was " verified and updated '', but it was not updated, nor was it independently verified. 

Experian uses e-Oscar, which does not qualify as conducting an independent investigation of my disputes. If Experian conducted a reasonable independent investigation, they would have removed the account because of the missing payment history. Experian failed to conduct my dispute investigation. The account is still reporting on my credit file with incomplete information, which makes it eligible for permanent deletion.

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 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I did not open the Verizon account on XXXX XXXX XXXX, NJ XXXX XXXX  XXXX I do not live there never did

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation