vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-19 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: NY

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-19 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:
My first time checking my credit report because of a job requirement and I notice things on my credit report that are not mine. Now that I need to take courses that align with my Career path I am hindered because of these accounts. I have made disputes to Experian credit bureau already to have these charges removed. I am currently waiting on a status.

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please reference complaint XXXX. In short, XXXX will not correctly report information on this student loan account. The loan was discharged in XXXX after my Mother died in XXXX. I was the co-signor on the loan. XXXX confirmed in writing in response to the aforementioned complaint that the loan was discharged and that they would report the balance is {$0.00} to the CRA 's. They did not furnish this information to the CRA 's in a timely manner. After XXXX information was reported, I initiated disputes with the CRA 's to correct this information. XXXX seems to be reporting correctly. 
However, Experian and XXXX are reporting that I am deceased. Experian indicated to me today that they had corrected this information internally on XX/XX/24, but that XXXX furnished information indicating that I am deceased on XX/XX/24. Disputes with Experian and XXXX are currently in process to correct this, but Experian is indicating that XXXX is to blame here. Unfortunately, XXXX is not able to respond to e-mail or phone calls in a timely manner. Hence, seeking the CFPB 's assistance with this.

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 2024-01-19 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: MI

Complaint narrative:
I noticed that the Transunion report for me states that there are two late payments. One for the month of XX/XX/2017 and another for the month of XX/XX/2017. Being that I never received any written notifications within 21 days before either of the payments were due ( nor did I receive any other notifications at all whatsoever ) continuing to report them is a direct violation of the 1637b clause of title 15 U.S.C. 1666b of the commerce and trade law.

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 2024-01-19 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: TX

Complaint narrative:
CASE # XXXX : I, XXXX XXXX XXXX XXXX HAVE NEVER INITIATED AN ACCOUNT WITH XXXX XXXX  AND/OR XXXX XXXX XXXX. I DID NOT OPEN ANY TRANSACTIONAL ACCOUNTS, LENDING ACCOUNTS, LOAN ACCOUNTS, OR CREDIT CARD ACCOUNTS IN MY LLIFETIME. 

MY INDENTITY WAS STOLEN, MY DRIVERS LICENSE, SOCIAL SECURITY CARD, AND MY XXXX XXXX, XXXX XXXX XXXX, & XXXX XXXXXXXX XXXX  ACCOUNTS ALL COMPROMISED AND IDENTITY THEFT RESULTED WITH XXXX & VPN ACCESS FROM MULTIPLE COUNTRIES. 

IN 2020, I FOUND OUT THAT AN INDIVIDUAL USING MY CRENDENTIALS FRAUDULANTLY AND WITHOUT PERMISSION ; OPENED ACCOUNTS AND THEN MISUSED THE ACCOUNTS, WHICH ULTIMATELY WAS REPORTED ON MY CREDIT BUREAUS. THE CREDIT BUREAU DEROGATORY MARKS IS HOW I FOUND OUT ABOUT THE FRAUDULANT ACCOUNTS, I IMMEDIATELY NOTIFIED LAW ENFORMECEMENT, FILED POLICE REPORTS, AND HIRED " CREDIT REPAIR '' COMPANIES TO DISPUTE THE FRAUDULANT ACCOUNTS AND DERAGATORY MARKS. 

I AM NOW HANDLING THIS FRAUDULANT MATTER MYSELF BECUASE I AM TIRED OF BEING A LWAFUL CITIZEN, WHO PAYS MY BILLS ON TIME, AND HAS TO SUFFER DERAGTORY AND LESS THEN PERFECT CRDIT DUE TO THE ACTIONS OF A CRIMINAL AND THEIR FRAUDULANT THEFT OF MY IDENTITY. 

I DEMAND THE FRAUDULANT ACCOUNTS, ALONG WITH THE DERAGOTORY MARKS, BE ENTITERLY REMOVED FROM EVER CREDIT REPORTING AGENCY THAT EXISTS, INCLUDING, BUT NOT LIMITED TO XXXX, TRANSUNION, XXXX, XXXXXXXX XXXX, AND ALL OTHERS

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 2024-01-19 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: TX

Complaint narrative:
CASE # XXXX : I, XXXX XXXX XXXX XXXX HAVE NEVER INITIATED AN ACCOUNT WITH XXXX XXXX  AND/OR XXXX XXXX XXXX. I DID NOT OPEN ANY TRANSACTIONAL ACCOUNTS, LENDING ACCOUNTS, LOAN ACCOUNTS, OR CREDIT CARD ACCOUNTS IN MY LLIFETIME. 

MY INDENTITY WAS STOLEN, MY DRIVERS LICENSE, SOCIAL SECURITY CARD, AND MY XXXX XXXX, XXXX XXXX XXXX, & XXXX XXXX XXXX  ACCOUNTS ALL COMPROMISED AND IDENTITY THEFT RESULTED WITH XXXX & VPN ACCESS FROM MULTIPLE COUNTRIES. 

IN 2020, I FOUND OUT THAT AN INDIVIDUAL USING MY CRENDENTIALS FRAUDULANTLY AND WITHOUT PERMISSION ; OPENED ACCOUNTS AND THEN MISUSED THE ACCOUNTS, WHICH ULTIMATELY WAS REPORTED ON MY CREDIT BUREAUS. THE CREDIT BUREAU DEROGATORY MARKS IS HOW I FOUND OUT ABOUT THE FRAUDULANT ACCOUNTS, I IMMEDIATELY NOTIFIED LAW ENFORMECEMENT, FILED POLICE REPORTS, AND HIRED " CREDIT REPAIR '' COMPANIES TO DISPUTE THE FRAUDULANT ACCOUNTS AND DERAGATORY MARKS. 

I AM NOW HANDLING THIS FRAUDULANT MATTER MYSELF BECUASE I AM TIRED OF BEING A LWAFUL CITIZEN, WHO PAYS MY BILLS ON TIME, AND HAS TO SUFFER DERAGTORY AND LESS THEN PERFECT CRDIT DUE TO THE ACTIONS OF A CRIMINAL AND THEIR FRAUDULANT THEFT OF MY IDENTITY. 

I DEMAND THE FRAUDULANT ACCOUNTS, ALONG WITH THE DERAGOTORY MARKS, BE ENTITERLY REMOVED FROM EVER CREDIT REPORTING AGENCY THAT EXISTS, INCLUDING, BUT NOT LIMITED TO XXXX, XXXX, EQUIFAX, XXXX XXXX, AND ALL OTHERS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I applied for the XXXX XXXX plan in XXXX of XXXX  it was accepted and I received a notification on XX/XX/XXXX that I would have a {$0.00} payment for 12 months starting XX/XX/XXXX and it would follow the general rules of having to resubmit my income every 12 months as required. This was then revoked with, according to Nelnet, no record or reasoning on XX/XX/XXXX and a retroactive balance was added to my account along with a late notice due to this sudden change. 

When I contacted Nelnet on XXXX  they were unable to provide me with any explanation of what happened and that now my payments are significantly more than the original {$0.00} per month. The late amount was forgiven but I then had to reapply for the XXXX plan due to being then incorrectly placed on the XXXX plan. I was given no update or documents to explain what was going on or what will happen. I was told that the only thing I can do is wait for them to look through everything. 

I would like to continue with my applied, promised, and signed 12 month agreement of {$0.00} per month and reevaluate in XXXX of XXXX  as I was guaranteed originally.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: NJ

Complaint narrative:
I was contacted via text beginning XX/XX/year>XXXX  and then again XX/XX/year> from a company unknown to me. The second text had XXXX XXXX XXXX Companys name attached to it. ( See evidence attached ). 

A complaint has been sent to CFPB regarding Nissans involvement and this is a separate complaint regarding this company, unknown to me, attempting to collect an alleged debt. 

I did not respond to the texts as I thought they may be a phishing scam. 

Credit Control debt collector is trespassing on my mark, XXXX XXXX XXXX  XXXX ( see attached Certified Copy of Registration dated XX/XX/year>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 2024-01-19 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: SC

Complaint narrative:
XXXX XXXX is inaccurately reporting charge off every month which is really affecting my credit score. My rights have been violated due inaccuracy on my credit report. I am entitled to an accurate credit reports this creditor has violated my rights as a consumer. I would like this account deleted immediately. You cant report a charge off each month. The credit agencies has three different open account dates. It also shows different amounts across all three agencies. I disputed these accounts on XX/XX/. All three agencies refused to complete a through investigation. I am not able to qualify for a home due to these inaccuracies hurting my account. By law the agencies are to ensure accurate information but failed to do so with my dispute date XX/XX/. Please delete

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 2024-01-19 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: NY

Complaint narrative:
Equifax is violation my consumer rights. I have notified and sent all proper documentation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: TX

Complaint narrative:
My information was involved in the XXXX data breach and I ended up having unauthorized accounts and inquiries listed on my credit report. these accounts are invalid, inaccurate and incorrect. inaccurate credit reports directly impair the efficiency of the banking system and is hurting my reputation because these accounts and inquiries were not authorized by me. I need them removed immediately because this is hurting my chances at getting another mortgage. I included the letters that I sent out more than 30 days ago. I haven't heard from the credit bureaus yet and I know that have to respond within 30 days. this is unfair and I am being taken advantage of. I included my identifying documents with my letters and I need these disputed accounts removed immediately

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 2024-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I received a copy of my credit report and information is listed incorrectly, I do not have any agreement with nor have I ever had a contract with LVNV Funding LLC Account Number XXXX This collection account is reporting OPEN, but also shows a balance of {$870.00}. According to the FCRA, I have the right to an accurate credit report. Please remove the account immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Unfortunately, I was a victim of Identity Theft in XXXX. I didn't find out until mid XXXX. I had a Fraud Alert attached to my Credit File when I noticed I was a victim of Identity Theft in XX/XX/XXXX. After checking my Credit Files, I noticed I had some erroneous charges and accounts that were fraudulently added to ALL of my Credit Files. I am attaching a copy of my Identity Theft Report to validate my claim. 

Per 15 USC 1681 ( c ) ( 2 ), BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. Unfortunately, my personal identifiable information was compromised and used to open 2 fraudulent credit card accounts. I was a victim of Identity Theft. I am attaching my FTC Identity Theft Report to have these 2 accounts removed from my credit file by this Creditor. There are 2 addresses on my credit file that I do not recognize and they need to removed too. ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX XXXX XXXX ) These accounts need to be removed immediately.

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 2024-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am working with a Credit consolidation company ( XXXX XXXX ), so I put stop payments on XXXX loan companies that I borrowed with since they were charging me outrageous interest ( 799 % ). 

I notified the bank of my situation, and they suggested I stop payments on my checking account. I stopped payments from my account XXXX weeks before the money was supposed to be withdrawn ( XXXX XXXX ). But my bank failed to stop the payment from coming out. 

They played a recording saying that they are not at fault if the money is still taken out, but I could have gotten better guidance from the bank. I could have taken the money out the bank so that there was no money for them to withdraw. 

I called the bank every day for the last 2 weeks, and they said that I should have gotten the money back in 5-7 days. It's been almost 2 weeks, and I Still haven't gotten that money back. I called today and they told me that the payment is processed, and they can't do anything. I was given 100 % guarantee by BMO main office that I should be getting the money back.

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
my information was sold and bought illegally because i was a victim of the XXXX data breach. i want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that i was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports.

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
On vacation in Texas. I went to start a hot spot service with XXXX XXXX. Could not get credit report because locked. I went back to the rv and over several days all were unlocked, verified and re verified. Started calling each of the 3 services. Equifax said freeze was off but there was another issue. They stated my identity needed verification with copy of driver 's license and a copy of social security card or XXXX or XXXX or copy of pay stubs with social security listed. I am retired and pension is electronic. I don't carry copy of XXXX or XXXX ( with tax file ) or social security card ( in bank lock box ). After 6 hours on the phone, 1 hour holding for a supervisor today, absolutely no support or work around. Consumers should not be held XXXX and should be able to be paid for wasted time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAINE & WEINER COMPANY, INC.
State: IN

Complaint narrative:
The collection company is attempting to collect a debt that was passed to collection but for some strange reason its still reporting as open which is odd.. The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits what debt collectors can do when attempting to collect certain types of debt. The federal Fair Credit Reporting Act ( FCRA ) covers how debts are reported in credit reports. In addition, there are state laws that provide protections against unfair and deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: 2288984 Ontario Inc.
State: AZ

Complaint narrative:
I received emails from XXXX XXXX XXXX in relation for invoices dated for XX/XX/year> and XX/XX/year> threatening to take legal action and threatening a lawsuit if I did not pay on the debt. They would not allow payment plans and did not disclose that I had a right as a consumer to dispute the debt. They communicated by email with no phone calls, no explanation of the debt, and did not send anything by mail. As of XX/XX/year> they still have threatened legal action. They have violated the Arbitration agreement located within the agreement between the original creditor and myself and have violated several of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: TX

Complaint narrative:
My information was involved in the XXXX data breach and I ended up having unauthorized accounts and inquiries listed on my credit report. these accounts are invalid, inaccurate and incorrect. inaccurate credit reports directly impair the efficiency of the banking system and is hurting my reputation because these accounts and inquiries were not authorized by me. I need them removed immediately because this is hurting my chances at getting another mortgage. I included the letters that I sent out more than 30 days ago. I haven't heard from the credit bureaus yet and I know that have to respond within 30 days. this is unfair and I am being taken advantage of. I included my identifying documents with my letters and I need these disputed accounts removed immediately

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 2024-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: VA

Complaint narrative:
Submitted documentation for XXXX on XXXXXX/XX/XXXX and it stated 30 day turn around. I was waiting to see if my loans may have been forgiven before I made payments. The results were just processed on XX/XX/XXXX and I am now way behind on payments. They are also not offering any type of forbearance on the account until they processed the new application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: OH

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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