vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
CBE Group is reporting a collection account and I have never done business nor signed any agreement with CBE Group. They are falsely reporting a collection on my credit report. 


15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I have attached an account that is reporting incorrectly to all three credit bureaus, I have attached a picture of this account everything highlighted that is a discrepancy. This is a violation of the FCRA and must be deleted

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 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, 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:
I have attached an account that is reporting incorrectly to all three credit bureaus, I have attached a picture of this account everything highlighted that is a discrepancy. This is a violation of the FCRA and must be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX accounts, XXXX XXXX XXXX, XXXX BANK, XXXX XXXX BANK, and XXXX has violated my rights. 

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

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

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 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I have attached an account that is reporting incorrectly to all three credit bureaus, I have attached a picture of this account everything highlighted that is a discrepancy. This is a violation of the FCRA and must be deleted

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 2022-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: OPORTUN FINANCIAL CORPORATION
State: NV

Complaint narrative:
I was led to the Oportun credit card by a XXXX XXXX that is dedicated to educating people about new credit & lending opportunities ( XXXX XXXX XXXX XXXXXXXX ). Herein, I was seeking unsecured credit cards to build my score, credit mix, & profile in short order, and the Oportun card was described as offering a soft credit pull ( non-score impacting ) prior to full approval, so I decided to take a look at the Oportun site to see if this was true. 

Upon visiting the site, I did in fact confirm that Oportun does advertise a soft-pull pre-qualification, so I decided to enter my personal information into their online application form to see what the credit offer would be. Instead of providing a preliminary pre-qualification offer based upon a soft-pull of my credit, Oportun performed a formal hard-pull credit inquiry without my permission, knowledge, or consent. The Inquiry was also reported to all 3 credit bureaus & my credit score was negatively impacted. 

I immediately called Oportun to complain & to request that they remove the inquiries immediately. Still, I was met with difficulty, refusal, combativeness, & a generally stonewalling presentation by the various customer service reps that I'd spoken to. In addition to calling the credit bureaus directly ( wherein I was instructed to make the removal request directly to Oportun ), I've also called Oportun twice more on two separate occasions to rightfully demand the immediate removal of the hard inquiries reported to the bureaus, to no avail.

I still have not been informed if I was approved or denied a credit card, although the Oportun service representatives advertise & promise a 24-hour application determination.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account name XXXX XXXX XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Prosper Marketplace, Inc.
State: NV

Complaint narrative:
I submitted application through XXXX XXXX and was advised that inquiry would be soft inquiry that would not affect my credit score ; however upon review of my XXXX credit report it appears as hard inquiry which resulted in drop of credit score.

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 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
Someone tried to an open account on XX/XX/2022 and XX/XX/2022 with my personal information and it wasnt me. It was identity theft and fraud. Ive contacted the credit bureaus, and I put a freeze on my credit. Ive also contacted XXXX. My next step is to get a police report.

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 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Avant Holding Company, Inc.
State: NV

Complaint narrative:
I submitted an application though XXXX XXXX and was advised that inquiry would be a soft inquiry ; however after reviewing my XXXX credit report the inquiry appears as hard inquiry in which I didn't authorize on XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: CA

Complaint narrative:
I have recently reviewed my credit report and saw a collection from a company called WilliamFudge I don't know who they are and I have never done business with them. I attempted several times with the company to rectify however they have not responded. 



15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing you this statement to delete the following information on my report. The items I need deleted are listed in the report. I am a victim of identity theft, I demand that you remove these items to correct my credit report immediately! I have reported this to the federal trade commission, and I have also attached a federal trade commission affidavit. Now that I have given the following information, please correct my report or I shall proceed with involving my attorney!

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 2022-06-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MN

Complaint narrative:
My original loan was with XXXX XXXX as a private student loan. Sometime in XXXX it was sold to Firstmark Services a Nelnet company. I've made consistent on time payments to XXXX  XXXX and now Firstmark since XXXX. They now told me my XXXX payment due XX/XX/XXXX, I'm behind on my loan and it was reamortized raising my monthly payment. I've never had a loan where you are suddenly behind on the balance causing payments to balloon when it was set up as a fixed amount per month. Its a variable rate loan, but that has always adjusted slowly and I made the new payment shown on my statement. So I dont understand how I'm suddenly so far behind that they raise the payment {$35.00} per month. I suspect something shady is going on with this new servicer and I've never heard good things about nelnet. The customer service rep said this was normal despite me saying reamortizing a loan suddenly is not something my 50+loans in my life I've ever seen. She said there was nothing I could do, and nobody else I could talk to and they didn't have a complaint line or ombudsman. There was no notification or anything that this was happening until I received my statement a week ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have been sending letters and notices to EXPERIAN to get inaccurate information removed from my credit report. I previously have been trying to get EXPERIAN to validate and verify all accounts listed on my credit report. After further review of my Consumer Report all the accounts that are being reported have a Payment status of " Charge-off ''. According to a IRS Publication on the IRS website, the IRS defines a " Charge-off '' as gross or ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which is a fact makes the reporting of all the accounts on my Consumer report inaccurate. This is in my second CFPB Complaint the week, the inaccuracies on my Consumer Report are cause me mental anguish and I hope I wont be discriminated.

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 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have an Account ending in XXXX through XXXX XXXX  but NEVER use it. However, in XX/XX/2022 I was charged XXXX for " XXXX XXXX '' using this card. I was never made aware that this was going to be charged or that it was charged in the first place. I would have NEVER used this card for a purchase and IF I did, I would pay it right away. The card is linked to an old email I do not use either. This charge was ran without my consent. Several months later I received a phone call from XXXX XXXX  informing me I was delinquent on this account. I was shocked as I had NO idea there was even a balance, let alone reoccurring late fees AND a ding on my credit. = ( I take GREAT pride in my credit and strive to NEVER be late. Immediately upon learning of this charge I contacted the bank, paid the entire bill and then filed a dispute with XXXX but I haven't heard anything and regardless of the fees incurred, I am MORE concerned with having a LATE ding on my credit report. I was told by a family member of the Consumer Financial Protection Bureau and thought I would reach out in hopes I can get the LATE payment removed from my credit report. Please reach out to me anytime for more details or any further information on this matter. XXXX or email XXXX or 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 2022-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hillcrest Davidson & Associates
State: CA

Complaint narrative:
I recently reviewed my credit report and I noticed a fraudulent collection account on my credit report I have never done business or signed a contract with them In do not know who this company is. I feel liken I am being pushed against the wall with their fraudulent activity.

15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately 1.This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

3. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.4. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.

7. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

5. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: AR

Complaint narrative:
Iam set up to receive my direct deposit from my employer and still have not gotten it. I've spoke to my employer and the payroll dept for my employer and can show where it was drafted from employers account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 has violated my rights. 

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

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

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 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
My identity was stolen in early XX/XX/2022. I immediately froze my credit across all three bureaus, followed the guidelines on the FTC, created a fraud alert, and have a police report. In XXXX my reports across all three bureaus were unfrozen without my consent. I was able to refreeze XXXX  and setup a pin. As of today, it appears that XXXX has not been unfrozen ( great! ). My complaint is against both Transunion and XXXX. Multiple days so far in XXXX, my credit has been unfrozen at both of these credit unions, without my consent. Despite calling both organizations and discussing this with customer service, I was told there is no way to secure my account. At one point, while talking on the phone with customer service at XXXX, another user called in on another line, and requested my account be unfrozen, and they obliged! I watched on my online account as the indicator noting the freeze had moved between frozen and unfrozen, while I was logged in. The only information needed when a caller calls transunion or XXXX is SSN, numeric portion of your address, date of birth, and zip code. All of this information has been compromised for me, so someone continues to call bureaus and easily unfreeze my credit regularly now. Almost immediately after it is unfrozen, I receive hard and soft inquiries for credit unions, banks, cell phone accounts, etc. Is there absolutely nothing I can do to make this all stop? I have absolutely no power to control my credit being frozen, and that is unacceptable. Help!

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