vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-12 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: CA

Complaint narrative:
15 USC 1681 ( a ) ( 4 ) infringed upon a consumers right to Privacy. I received the letter with my dispute results from XXXX, XXXX, and Equifax and I need to know WHY these inquiries are still remaining and they are claiming they have been verified. Thats impossible because these creditors are denying any record of a dispute from their company! I am maintaining a careful record of my communications with your Agency for the purpose of filing a complaint with your agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I have called and emailed to formally express my dissatisfaction with the lack of accurate and timely responses and literal disregard from NelNet and XXXX regarding my student loan account. Despite multiple attempts to resolve my concerns, including several phone calls and emails, I have not received the correct information or the assistance I have been seeking. 

I have reached out several times to request clarification on the status of the court-ordered discharge of my loans. Each time, I have either received incorrect information or no follow-up at all. Many times when I follow the prompts when calling in the call just drops my call. This has caused unnecessary confusion and frustration, delaying my ability to manage my account effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Upon reviewing my latest credit report, I found multiple accounts that appear to be fraudulent and were added without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: NY

Complaint narrative:
I received a letter in the mail from XXXX regarding a XXXX  visit back in XXXX relating to a workers comp case filed with my previous employer XXXX XXXX. I disputed the debt via email and never received word back. 

The visit was a result of a trip and fall during the course of a days work. I provided my jobs workers comp contact information at my XXXX Appointment and I followed up with that insurance ( XXXX ) to get the claim paid. Ultimately, I received no no contact back from XXXX. 

At the time I was also a XXXX XXXX recipient through New York State of Health. If there truly was a dispute with workers comp, I had multiple visits to XXXX under that insurance prior to XX/XX/XXXX so their billers should have been aware of my Medicaid eligibility. 

I am now receiving collection notices from Phoenix Financial Services who are attempting to collect a debt that I should not legally have been balance called for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

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 2024-09-12 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT PURSUANT TO SECTION 605B, YOU MUST REMOVE THIS ACCOUNT. THE FRAUDULENT ACCOUNT IS XXXX XXXX/XXXX  ACCOUNT 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 2024-09-12 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: AZ

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT PURSUANT TO SECTION 605B, YOU MUST REMOVE THIS ACCOUNT. THE FRAUDULENT ACCOUNT IS XXXX XXXXXXXX ACCOUNT 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 2024-09-12 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RMS-Recovery Management Services, Inc.
State: UT

Complaint narrative:
This is a continuation of a claim filed and closed by agency. Previous complaint number is : XXXX, and XXXX. 

In previous complaint, company indicated that they had closed the account : " Hello, RMS-Recovery Management Services has closed the consumer 's account. Any questions will need to be directed to XXXX XXXX XXXX directly. Sincerely, XXXX XXXX '' However, there is still a collections action posted on my credit report with the agency 's name on it. Therefore, it leads me to believe the agency, RMS, is acting id bad faith and being desingenious. Lying is completely against the law and they are trying to get around the system by publishing statements that are not true. 

This is the third complaint created against this company, Recovery , Management Services ( RMS ) and they still are our of compliance with this issue. How many more times do we have to file complaints against RMS so that they may resolve this issue once and for all?

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 2024-09-12 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:
Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.

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 2024-09-12 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:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I returned the lease in XXXX. In XXXX I get a credit alert with a balance of approximately {$2300.00}. I contacted them and could not get in touch with the right party to explain that I never received a bill or notice about anything and that I do not no anything about it. I wanted to let them know that the mail most likely was crossed with a neighbor who has a similar name and address. I would like to know what the balance if for and if it is due I would like to pay it but would need this issue removed from my credit. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: RI

Complaint narrative:
I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a XXXX  for that because my cards will just get declined due to my credit score being low with all these wrong information.

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 2024-09-12 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: TX

Complaint narrative:
Upon reviewing my credit report, I noticed inaccurate information that should be removed. The bureau refused to complete a thorough investigation into the matters instead. These inaccuracies are causing great stress and negatively affecting my financial standing. 

I am deeply upset about the erroneous things I see on my credit report. These accounts are unverifiable, invalidated, inaccurate, and questionable. If everything is not reporting 100 % accurately, it must be removed. I hope you find out whats going on and who the inaccurate information belongs to. Can you please clear this up quickly? It is my understanding that you will do an investigation immediately, a new credit report that reflects the updated changes should be sent. You must complete this investigation within 30 days of receipt of this letter. According to the law, unverifiable, inaccurate accounts must be removed and if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 
Thanks for your help in this matter. 
XXXX XXXX XXXX XXXX - This is completely inaccurate. - This is inaccurately reporting on my report. 
XXXX - XXXX - This is also completely inaccurate. - This is inaccurately reporting on my report. 
US DEPT OF EDXXXX - XXXX - I believe this is reporting inaccurately - verify that this belongs to me. - This account is reporting incorrectly. 
XXXX XXXX  XXXX XXXX - This is completely inaccurate. - This is inaccurately reporting on my report. 
XXXX XXXX XXXX XXXX - This is also completely inaccurate. - This is inaccurately reporting on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX - This is also completely inaccurate. - This is inaccurately reporting on my report. 
XXXX, XXXX - XXXX - This is also completely inaccurate. - This is inaccurately reporting on my report. 
XXXX XXXX XXXX - XXXX - Verify this belongs to me. - This is paid as agreed and should not be reporting negatively on my report. 
XXXX XXXX XXXX XXXX  XXXX - 15 U.S CODE 1692 ( e ) 10 - Please verify the open date on this collection. I do not recall this - please verify this and remove it if it is in fact inaccurate. 
XXXX XXXX XXXX XXXX XXXX - 15 U.S CODE 1681 ( o ) - Please verify the open date on this collection. I do not recall this - please verify this and remove it if it is in fact 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 2024-09-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I noticed inaccurate information that should be removed. The bureau refused to complete a thorough investigation into the matters instead. These inaccuracies are causing great stress and negatively affecting my financial standing. 

I am deeply upset about the erroneous things I see on my credit report. These accounts are unverifiable, invalidated, inaccurate, and questionable. If everything is not reporting 100 % accurately, it must be removed. I hope you find out whats going on and who the inaccurate information belongs to. Can you please clear this up quickly? It is my understanding that you will do an investigation immediately, a new credit report that reflects the updated changes should be sent. You must complete this investigation within 30 days of receipt of this letter. According to the law, unverifiable, inaccurate accounts must be removed and if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 
Thanks for your help in this matter. 
XXXX XXXX XXXX XXXX - This is completely inaccurate. - This is inaccurately reporting on my report. 
XXXX - XXXX - This is also completely inaccurate. - This is inaccurately reporting on my report. 
US DEPT OF EDXXXX - XXXX - I believe this is reporting inaccurately - verify that this belongs to me. - This account is reporting incorrectly. 
XXXX XXXX  XXXX XXXX - This is completely inaccurate. - This is inaccurately reporting on my report. 
XXXX XXXX XXXX XXXX - This is also completely inaccurate. - This is inaccurately reporting on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - This is also completely inaccurate. - This is inaccurately reporting on my report. 
XXXX, XXXX - XXXX - This is also completely inaccurate. - This is inaccurately reporting on my report. 
XXXX XXXX XXXX - XXXX - Verify this belongs to me. - This is paid as agreed and should not be reporting negatively on my report. 
XXXX XXXX XXXX - XXXX - 15 U.S CODE 1692 ( e ) 10 - Please verify the open date on this collection. I do not recall this - please verify this and remove it if it is in fact inaccurate. 
XXXX XXXX XXXXXXXX XXXX XXXX  - 15 U.S CODE 1681 ( o ) - Please verify the open date on this collection. I do not recall this - please verify this and remove it if it is in fact inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I called XXXX and they said they dont have an account with my name as an authorized user I pulled my credit report its not reporting on XXXX, XXXX but its showing on Equifax XXXX Equifax said its not showing on there end but when I pull my report showing. 
Would you please remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paysend US LLC
State: TN

Complaint narrative:
on XXXX XXXX my cell phone was compromised and I was not able to use my cell phone. During this time a transaction was made from my cell phone and a credit card was used to make a transaction through Pay Send ( A money transfer service ) in the amount of {$50.00} XXXX = {$100.00}. I have disputed the charge with my credit card company and they have stated that Pay Send provided information that the transaction was made from my cell phone. 

XXXX XXXX ( my cellular provider ) has informed me that on Friday XXXX XXXX my cell phone was in XXXX and at which time I was not in XXXX ( I dont have a passport! ). 

I did not make this transaction and I want this reported as fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 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: CBC Companies, Inc.
State: TX

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
On XX/XX/year> I purchased a mattress and bed frame from XXXX. On XX/XX/year> that item was delivered via XXXX XXXX and left in front of my building, in an unsecure area. When I arrived home from work at XXXX on the same day, the items were missing. I contacted XXXX right away and was told " drivers sometimes mark items delivered even though they have not been, and for me to wait until XX/XX/year> at XXXX to contact them back if the item hasn't shown up. On XX/XX/year> I contacted XXXX again to let them know the items still had not arrived and that I needed either a replacement or a refund, I didn't care at that point which one happened, but they needed to make this right as the complex I live in uses secure lockers for delivery and the driver failed to use them resulting in my items to be stolen. XXXX then informed me they would not refund nor replace the items. I contacted my bank and filed a dispute ; however, XXXX is fighting the claim and still refuses to refund my money or replace the items stolen. 

So-Fi has thus far refused to issue a refund of the money. I contacted XXXX XX/XX/year> at XXXX XXXX and spoke with a lady who told me to wait until XX/XX/year> for them to investigate. 

I have since filed a complaint with the Federal Trade Commission about this issue with XXXX FTC Report Number XXXX ( claim attached to this complaint ). 

This is a case of XXXX ( a large powerful corporation refusing to follow the rules of the apartment complex I live in, delivering the items to an unsecure location, it getting stolen and XXXX refusing to correct the issue )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Im writing to urgently address the serious damage being done to my credit score due to unauthorized and unverified information on my report. These inaccuracies are completely unjust and are having a devastating impact on my financial life, preventing me from accessing credit and opportunities that I should easily qualify for.

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 2024-09-12 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX, XXXX and Experian continued to report XXXX XXXX without proper investigation into the fraudulent opening of the account. It was reported as opened without authorization and charges was made on the account without consent. XXXX was notified and did not lawfully investigate the account or allegations of fraud. They didnt do a thorough investigation but asking personal family friends, neighbors, and only used information that was obtained by their own company and it is against federal law to not perform the investigation properly and lawful. And they cant use data information furnished by their own company

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