vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-05 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: FL

Complaint narrative:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Closed account : XXXX XXXX  XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VERIFY XX/XX/XXXX XXXX  XXXX XXXX, XXXX XXXX XX/XX/XXXX EXP REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 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: GA

Complaint narrative:
I am writing to address a matter of utmost concern regarding my credit report, as documented. It has come to my attention that fraudulent accounts persist on my credit report, and regrettably, no corrective actions have been taken to rectify this erroneous information. Upon reviewing my most recent credit report, it has become apparent that inaccurate accounts continue to be reported, raising serious concerns about the integrity and accuracy of my credit profile. Despite my previous efforts to bring this matter to your attention, there seems to be a lack of resolution. In light of this ongoing issue, I have taken the initiative to file a report with the Federal Trade Commission ( FTC ), and I have attached the relevant documentation for your reference. The FTC report is filed under report number XXXX and serves as both a formal complaint and evidence of the fraudulent accounts impacting my credit history. I kindly request that EQUIFAX conduct a thorough investigation into this matter at your earliest convenience. It is crucial to address and rectify the inaccuracies promptly, ensuring the integrity of my credit report and preventing any further damage to my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I have called this company everyday for the last XXXX weeks and sat on hold for over three hours almost every time. I tried emailing and the response they sent said to call that they are not accepting emails. Its been almost a month since I made a payment and they have not updated my account to reflect my payment. Im pretty sure no one actually works for them and the phone number theyve provided is fake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: IN

Complaint narrative:
EXPERIAN IS BREAKING THE LAW PURSUANT TO 15 USC 1681 ( A ) ( 1 ) : The banking system is dependent upon fair and accurate credit reporting. 
Recently sent disputes on your inaccurate reporting via EMAIL swell as complaints with CFPB & XXXX 
Pursuant to 15 USC 1681 ( a ) ( 1 ) : This grave erroneous reporting has lowered my confidence in the Experian 's procedure and stressed me out tremendously. As a RESULT OF THE NEGLIGENT I WILL NO LONGER BE EXTENDED CREDIT AND IF THIS INFORMATION IS NOT DELETED/REMOVED I WISH TO NO LONGER HAVE MY INFORMATION REPORTED IN EXPERIAN DATABASE . 
Pursuant 15 USC 1681 ( a ) ( 2 ) XXXX is a powerless elaborate mechanism, These errors and inaccuracies that your company has caused has ruined my reputation and adversely impacted my credit worthiness. 
Pursuant 15 USE 1681 ( a ) ( 3 ) Your company has assumed this role and was not given express permission by me the consumer or a competent court of jurisdiction, So not only did you fail in the initial investigation of this information. You also assumed this role, and assumed this information was valid. Which violates my consumer rights Pursuant 15 USC 1681 ( a ) ( 4 ) You did not insure this information is accurate, and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this privacy was breached and this violated my rights to privacy. Pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) Congress makes it clear a consumer report should NOT include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate, whether or not factually took place, can not be categorized as a transaction that took place between the consumer and the person making the report. Which mean it should not be included in my consumer report, and in fact is a violation of my consumer rights. 
Pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ) In your initial investigation I was never given the opportuinty to deny this information being communicated on my consumer report. Thesis in fact another violation ANY AUTHORIZATION OF A SPECIFIC EXTENSION OF CREDIT OF A CREDIT CARD OR SIMILAR DEVICE SHOULD BE EXCLUDED FROM MY CREDIT REPORT. 
THE ALLEGED TRANSACTIONS THAT YOUR COMPANY CLEARLY DID NOT INVESTIGATE IS CATEGORIZED AS A TRANSACTION THAT WAS ISSUED AS A CREDIT CARD. 
THE FOLLOWING ACCOUNTS NEED TO BE REMOVED/DELETED FROM MY CONSUMER REPORT IMMEDIATELY IN ACCORDANCE WITH FCRA XXXX. XXXX XXXX XXXXXXXX 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 2023-12-05 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: GA

Complaint narrative:
I am writing to address a matter of utmost concern regarding my credit report, as documented. It has come to my attention that fraudulent accounts persist on my credit report, and regrettably, no corrective actions have been taken to rectify this erroneous information. Upon reviewing my most recent credit report, it has become apparent that inaccurate accounts continue to be reported, raising serious concerns about the integrity and accuracy of my credit profile. Despite my previous efforts to bring this matter to your attention, there seems to be a lack of resolution. In light of this ongoing issue, I have taken the initiative to file a report with the Federal Trade Commission ( FTC ), and I have attached the relevant documentation for your reference. The FTC report is filed under report number XXXX and serves as both a formal complaint and evidence of the fraudulent accounts impacting my credit history. I kindly request that TRANSUNION conduct a thorough investigation into this matter at your earliest convenience. It is crucial to address and rectify the inaccuracies promptly, ensuring the integrity of my credit report and preventing any further damage to my financial standing.

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 2023-12-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ENOVA INTERNATIONAL, INC.
State: MO

Complaint narrative:
This National Net Lender ( XXXX ) without any input from me, EVER... ..simply deposited {$600.00} into my XXXX  XXXX XXXX XXXX Account XXXX XXXX XXXX and then on XXXX withdrew {$170.00} ... ... ... ... ...... again, I never applied for any loan... ..with any company ever. This is a small savings account at XXXX  XXXX XXXX ...... 

I tried calling XXXX XXXX XXXX ( XXXX ) and was put on hold and then when I finally connected with a person ... ... the line was cut off ... ..this happened XXXX times ... .... 

XXXX has since tried to debit my savings account. The bank has rejected the withdrawal attempt but XXXX continues to try to make withdrawals. XXXX  XXXX XXXX refunded the original {$600.00} and gave me credit for the {$170.00} ...... BUT XXXX DOES NOT STOP TRYING TO DEBIT MY ACCOUNT ...... 

THIS COMPANY IS OUTRAGEOUS... .You just got a judgement against them and yet XXXX continues to access personal bank accounts without any permission. How does the company get our bank account numbers in the first place? ......

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: NV

Complaint narrative:
Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX | XX/XX/2023 : Account number : N/A, Date open is showing the wrong dates. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX, Date open is showing the wrong dates. Can you delete this ASAP and send me and update. 

XXXX | XX/XX/2023 : Account number : N/A, Date open is showing the wrong dates. Can you delete this ASAP and send me and update. 

XXXX XXXX | XX/XX/2023 : Account number : N/A, Date open is showing the wrong dates. Can you delete this ASAP and send me and update. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.

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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/2023XXXX XXXX XXXX  XXXX of Inquiry XX/XX/2023, XXXX XXXX  Date of XXXX XX/XX/2023, XXXX Date of Inquiry XX/XX/2023 & XXXX Date of Inquiry XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CLGF Holdco 1, LLC
State: SC

Complaint narrative:
XX/XX/XXXX I filled out the application for a credit card and I was denied I informed the company that they were in violation of the law and that they were also violating my constitutional rights to Pursuit of Happiness by denying me access to an extension of My Own Credit I believe they are possibly committing Securities fraud being that they took my application and it was turned into a financial asset that is being traded on the secondary Market without my knowledge or permission and if this is the case they did not conspicuously make me aware of this information I only know this because of my own personal studies that I doing in my own personal time.. they did not provide me any profits from the security that they are trading on the market I also shared the law with them I provided the link to your website they read it and still said they did nothing wrong so they told me that they are using their own guidelines to make the decision which means they are ignoring the law that the government has put in place to protect me the consumer from discrimination and that they basically operate independent of the laws and use their own " laws '' to make a decision even after I repeatedly broke down to them what the law was through email to send them a link and even copy and paste it wasn't wrong was and still said that they were doing nothing wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Refer to the attached documents for your examination. I urge the bureau to initiate an investigation into these accounts that incorrectly report me as late, despite my punctuality.

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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writing to formally dispute several errors and mistakes that have been reported on my credit report by your agency. I have obtained a copy of my credit report from your agency and after careful review, I have identified the following discrepancies : -- -- -TransUnion XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX -- -- -XXXX -- -- - XXXX XXXX XXXX XXXX XXXX XXXX -- -- -XXXX -- -- - XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: WA

Complaint narrative:
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

Provide proof that a statement with ALL information in section 1637 ( b ) was delivered to me XXXX  days before due date. 

As well youre in violation of the U.S federal law from the complaint I just sent and I will not stop until you remove it. You are not the first company that has removed accounts which is why I know what Im doing will work. You are violating the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: CA

Complaint narrative:
Dear Equifax I noticed that you verified the account below : XXXX XXXX : Account number : XXXX, Bureau code is inconsistent between Bureaus. Past due needs to be updated, repaired or fixed. 

Because I dont know a lot about credit repair, I had my attorney friend review the letter I sent to your company and the letter you sent back. He told me that according to the FCRA, you have to tell me how you verified the account above. He went on to say that you have to let me know the name of the person that verified this account, their contact number, address, and the time that they were contacted to verify. 

He also stated that once I receive this information, he would like to review it. Please send ASAP. 

Thanks. 

CC : FTC, XXXX, CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023 & XXXX Date of Inquiry XX/XX/2023.

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 2023-12-05 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :

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 2023-12-05 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: TX

Complaint narrative:
Please see attached file

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 2023-12-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MA

Complaint narrative:
I have borrowed approx. XXXX student loan over my college and after XXXX  ends, I was ready to repay all of it in a lump sum payment. The payment was first made through aidvantage on XX/XX/XXXX where I carefully entered my XXXX  account. The amount of payment is XXXX, which at that time is the whole amount including interest. I received a email from aidvantage right after that the payment is confirmed. However, I was surprised when I find out about a month later that my payments are still accumulating and the overall did not lower a bit. I thought it might be a mistake so I tried again. This time I entered a {$25000.00} payment on XX/XX/XXXX, believing that it should significantly lower my account total. This time I doubled checked the bank account that I entered and made sure there was no mistake. The same thing happened, i received a email confirmation but the next day when I check back the balance was still there. Account history said both payment are reversed, however, no reason was provided for the reversal. I called my bank XXXX XXXX XXXX  and asked whether the amounts are ever posted and they told me no, and I called Aidvantage and found out nothing new other than what I already know. The customer service is not helpful at all and could not provide the exact reason that my payment was reversed, despite I have the right information. After I looked online, I found numerous cases of similar issue reported from all over the states. And no one have had a clear solution from aidvantage. I now highly suspect that the agency is making lump sum payments difficult, with the intention to collect more interest to benefit themselves

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
I use Web Bill Pay service to pay my mortgage monthly. I have it set to have the payments arrive to them on the XXXX of each month when the payment is due. Even though they receive the payment that day, they never post it that same day and instead wait sometimes 5 days before posting it to my account. When they finally do, I have had to pay more in interest charges that do not get applied to my principal. When I have contacted them in the past, they have told me it takes them a few days to process payments. When I view my account it shows days past the XXXX when it finally gets posted. I have paid likely thousands of dollars in extra interest charges that I didn't owe because they will not process the payments right away. In this age of technology, there is no reason a payment should not be posted the same day they receive it. I am but one person, they are making MILLIONS off of other people by not processing payments when received. Can anything be done to mortgage processors who conduct business this way? It is literally theft! As an example, they received my payment on XX/XX/XXXX, but didn't process it until XX/XX/XXXX. This happens nearly every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX keep calling me several times a day about the debt that I dont own. I informed them that its not my address on credit card bill.

Company response to consumer: Closed with non-monetary relief