vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-07 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 found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-05-07 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: OH

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I got scammed and needing help. Lost XXXX to a scammer

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: OH

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
There is a bankruptcy showing on my experian report that is reporting with inaccurate data and needs to be removed. The other bureaus and XXXX have removed the XXXX due to its false and inaccurate reporting. Experian needs to verify this removal again with XXXX and remove from my profile

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 2024-05-07 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: CA

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name 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 XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 explanation
Consumer complaint received 2024-05-07 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: GA

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. 

Account Name : 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  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 2024-05-07 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: GA

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. 

Account Name XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX XXXX Account XXXX 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 2024-05-07 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: GA

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. 

Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX XXXX Account NumberXXXX 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 explanation
Consumer complaint received 2024-05-07 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: GA

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. 

Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX 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 2024-05-07 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: NC

Complaint narrative:
I am aware of all rights that I have and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 accounts name XXXXXXXX XXXX account # XXXX account name XXXX XXXX account # XXXX account name XXXX XXXX XXXX account # XXXX account name 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 2024-05-07 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: UT

Complaint narrative:
Ive called Experian to remove addresses that Ive never lived at and a second time was told they refuse to remove these addresses. As a Consumer this is a direct violation of my rights to update my personal information. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX XXXX XXXX My Address : 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 DO NOT SOLICIT XXXX, XXXX XXXXXXXX I can not receive mail or any correspondence nor do I have access to any of these addresses that I never lived at. Please delete these Fraudulent addresses and update the address with the one above. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Experian is allowing fraudulent information to be reported on my credit report by doing this in violation of the : Fair Credit Reporting Act ( FCRA ), including FCRA Section 623, as well as relevant case law, including the precedent set by XXXX XXXX XXXX XXXX XXXX, Court of Appeals for the XXXX XXXX, Case No. XXXX XXXX XXXX ( XX/XX/1997 ), filed under XXXX XXXX XXXXXXXX. It has come to my attention that despite repeated attempts to rectify the inaccuracies on my credit reports by providing documented proof of the errors, Experian has failed to take appropriate action to correct the information under the FCRA but also constitutes defamation and willful injury to my financial reputation, as established by the precedent set in 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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
Forewarning, I don't remember exact dates and I am lacking in oriented proper documentation. I was ignorant and have since learned to keep all documentation when dealing with banks. This was at the beginning of my financial learning and boy, has it been a big lesson. My name has also changed since the occurrence from XXXX XXXX to XXXX XXXX. 

In the year of XXXX I opened a high yield savings account with Citi Bank and deposited {$2000.00} into the account. I thought that since I had the high yield savings with them, I should open a linked credit card with them as well. I used the credit card and had a balance of around {$700.00}. I then tried to pay my credit balance with my savings balance to no avail. They told me that I needed to link an external bank account to pay the credit balance. It took many tries with chats, calls, and emails to try and add an external account. They started continously asking for a mailing address that wasnt a XXXX XXXX and I informed them all I have is a XXXX XXXX that mail can be sent to. Eventually in that last conversation I had with them, they suddenly told me that my account was being closed and they would send me a letter informing me of why. I XXXX got upset, cut up the card, and just " gave up ''. The letter they sent me stated that my account was completely closed due to fraudulent activity. When I got back up and tried to make efforts to pay my balance again, my account " didn't exist '' and they couldn't track it using my name or my SSN for some obscure reason. I then started getting emails warning me of my overdue balance and was able to pay it online through that email. Again, I thought it was over and was willing to just give up the {$2000.00} I had put in my saving to just be done with it. I paid a balance of {$860.00} on XX/XX/XXXX, which is the only receipt I really have thanks to my bank statements. However, now I am getting emails again saying that my balance is now {$1700.00}. I have no idea how that amount accrued as I don't have a card or an account with them anymore as they say. I still have my login info for the online banking program but it doesn't allow me to log in saying that my account doesn't exist. I'm at a complete loss concerning what to do about this whole situation but it's affecting my credit and I've been working really hard to get that up to a good level over the past few years. Any help or advise would be greatly appreciated.

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 monetary relief
Consumer complaint received 2024-05-07 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: Nelnet, Inc.
State: WA

Complaint narrative:
It currently shows that I owe an alleged debt with Nelnet. I have no idea who these debt XXXX are. There has been no provision of an original contract or binding agreement complete with signature between myself and the alleged debt collector. On a report of credit that is connected to me, it shows that DEPTEDNELNET aka Nelnet, has an account connected to my personal information that is open and current. That is misleading, misguided and an inaccurate. It is an egregious abuse of misinformation, and a theft of identity as they have my personal information without my permission or consent. It is a gross misconduct and abuse of the practices as a debt collector and should not be tolerated under the understanding and guidance of the Consumers Privacy Act, Fair Debt Collections Practices Act, and Fair Credit Reporting Act. This also shows that before allowing misinformation and inaccuracies to be allowed on a report of credit connected to me that all credit reporting agencies and bureaus did not investigate properly before allowing these negatives remarks and balances to be placed on said report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I bought my home on or about XXXX and made regular monthly payments ontime for about 15+ and my mortgage was assigned to SPS Portfolio Servicing. 

Once my mortgage was assigned, my mortgage payments remained constant with on-time payments. 

In about XX/XX/XXXX, the mortgage company notified me that my insurance was unable to be paid because an erroneous address had appeared on my insurance binder page, the same insurance that had been in place for the duration of the loan. 

As a result of this, SPS began to charge me fees and added them to my escrow account. I argued and called on many occasions to explain that my insurance was correct and their address was in error. They ignored it and I frantically had to find an insurance coverage that matched an incorrect address. 

After being ignored and overcharged, I called again to explain that I believed I had been overcharged for no reason. As it turns out, they corrected their own error and did not refund my money. At the time I did not notice the fees had been deducted until I received an Escrow Disbursement History statement dated XX/XX/XXXX. I was charged in their statement {$410.00} for lender-placed insurance. 

My complaint today is not because I did not have insurance, it is because they simply refused to pay it and profited unjustly. 

The correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. It is the only XXXX XXXX XXXX . In XXXX XXXX GA, and I am the owner of it as it always has for the duration of the loan. 

I ask that you please investigate this matter and return this overpayment to me. 

The address of the home is XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ProCollect, Inc.
State: FL

Complaint narrative:
I requested validation from Procollect Inc XXXX and have not received any legal evidence from them that I owned them anything. Procollect made claims that they received all rights of interest and assignment when they purchased the account, they are automatically violating the Statute of Frauds. They are in breach of the alleged contract because they can NEVER fulfill the XXXX 's obligations from the original contract. The right of subrogation does not exist for a stranger to the transaction. XXXX XXXX XXXX, XXXX XXXXThis includes attempts to collect based on assignment, sale/purchase, or trade. Also Per IRS publication, CHARGE OFFS is income and can not be on a consumer credit report since it is considered a certificate of indebtedness. 

I have no account with them, have never signed any contract to do business with them, I am expressing my rights under the FDCPA to demand that they Cease & Desist ALL collection activity and All communication with me regarding their accusations. They have caused harm and distress because I can not obtain new credit because of their false claims. Procollect committed identity theft against me and they need to close their file immediately and remove their information from my credit report as having it on there is collection activity which violates federal law since they have failed to validate.

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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
regarding capt one accnt number XXXX. I would like to remove this account off my credit report. This is an old account that was open in or around XX/XX/XXXX and service ended around XX/XX/XXXX and last bill was XXXX. The bill was paid in full, I was in formed it will be taken off my credit report and it's still showing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: SC

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/year> ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.

Company response to consumer: Closed with non-monetary relief