vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-11 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:
Under Section 1635 ( f ), if a lender has failed to provide to the borrower either the notice of rescission or accurate material disclosures, an extended right of rescission is provided that expires three years after the transaction consummation date or upon the sale of the property, whichever occurs first. What would be a fair resolution to this issue?

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 2024-08-11 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: IL

Complaint narrative:
I received my credit report on XX/XX/2024 and notice there were hard inquiries that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. 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. 

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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 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: IL

Complaint narrative:
I received my credit report on XX/XX/year> and notice there were hard inquiries that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. 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. 

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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.

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 2024-08-11 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: IL

Complaint narrative:
I am writing to file a formal complaint against Experian for their failure to perform due diligence in investigating inaccurate information reported on my credit report. As a consumer, I rely on credit reporting agencies to provide accurate and fair reporting of my credit history. However, Experian has failed to uphold this responsibility. 

Despite my repeated efforts to dispute the inaccurate information, Experian has neglected to conduct a proper investigation as required by the Fair Credit Reporting Act ( FCRA ). This negligence constitutes a violation of 15 U.S. Code 1681, which mandates credit reporting agencies to ensure the accuracy of the information they report and to investigate any disputes thoroughly and promptly. 

The continued presence of this inaccurate information on my credit report has caused significant harm to my financial reputation and has resulted in adverse consequences. I have provided Experian with all necessary documentation to support my dispute, yet they have failed to correct the errors within the required time frame. 

I am formally requesting that the CFPB intervene and take the necessary action to ensure that Experian fulfills their legal obligations to investigate and correct inaccurate information. Furthermore, if Experian does not rectify this situation within the next 10 business days, I will seek legal action for defamation and any other applicable claims due to their negligent reporting and failure to correct these inaccuracies. 

I trust that the CFPB will address this matter promptly to prevent further harm to my financial standing and to hold Experian accountable for their failure to comply with federal regulations. 

Thank you for your attention to this serious matter.

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 2024-08-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Part of the schools promise upon graduation was lifetime access to the facility and all the equipment they had available. They have closed down since then. While attending the school most of the staff began to quit due to a regulation that was passed that affected the teachers. I dont believe that the level of education promised was provided while in attendance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
On XX/XX/XXXX, I received an email alert that a collection account was added to my credit report. It is from LVNV funding collecting for XXXX XXXX in Texas. I live in Minnesota and have never been to Texas. This is the second utility account that has been opened fraudulently in my name. The first account was with XXXX XXXXXXXX XXXX back in XXXX with another collection agency. This account was cleared and removed from my credit report. The contact info LVNV/Resurgent has for me is not mine and is Texas contact information. Again, I live in Minnesota. It appears these accounts were opened around the same time, in XX/XX/XXXX. This is NOT my debt and is fraudulent. This account needs removed my credit report. My credit reports have been frozen since the first incident. FTC Identity Theft reports have been open for both of these accounts. They are attached to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 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:
I am writing to bring to your attention certain inaccuracies on my credit report and to formally notify XXXX of potential legal violations that require immediate attention. 

Identification of Inaccuracies : Upon reviewing my credit report, I have identified several inaccuracies that have adversely affected my financial standing. These inaccuracies include : incorrect balance, late payments, account number, credit limit, date of reported and others inconsistencies. 

Impact on My Financial Well-being : The inaccuracies outlined above have severely affected my creditworthiness and overall financial health. In XX/XX/XXXX, I experienced a major financial setback due to a family emergency, which led me to apply for a personal loan with XXXX XXXX  and other creditors offered loans with significantly high interest rates and I have been wrongfully denied which was highly embarrassing and has negatively impacted my lifestyle. This misinformation has had a detrimental impact on my financial options and opportunities. Would you reinvestigate the accounts listed below. 

Account Name : XXXX XXXX XXXXXXXX Number : XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 

Reference to Relevant Laws : I believe that these inaccuracies violate consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ). The FCRA mandates accurate reporting and stipulates that consumers have the right to dispute and correct inaccuracies on their credit reports. 
Based of consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report.

Request for Thorough Investigation : I kindly request that XXXX conducts a thorough investigation into the inaccuracies outlined above and takes immediate corrective action. I believe that rectifying these errors is crucial to maintaining the integrity of the credit reporting system and upholding consumer rights. 

Potential Legal Consequences : Please be advised that if these violations are not addressed promptly, I may be compelled to take legal action to protect my rights under the FCRA and other applicable laws.

Optionally with the proof I am attaching to this letter, you will agree it needs to be removed XXXX. 

I appreciate your prompt attention to this matter and request that you keep me informed of the progress of your investigation. You may reach me at XXXX XXXX to discuss this further. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XXXX : XX/XX/XXXX SSN : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Company : wells Fargo bank and XXXX XXXX money transfer. 
Amount : {$2500.00} XXXX or XXXX of XXXX  This is a situation that I sent money from my Wells Fargo Bank by XXXX to this person as she claim to be a paralegal. She took the money and never follow through to complete the task so I reported to wells Fargo Bank and they responded no fault. I could not contact XXXX. 
In addition, I reported to her Bank which was XXXX XXXX  to local manager and she said there is not much she can do. 
This situation let me to another Fraud which I can explain in different case. 
This is happing to many people and I recently learned to report to you. Please 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 explanation
Consumer complaint received 2024-08-11 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: AZ

Complaint narrative:
We were approved for a " forbearance on a current account '' while we try to sell this home. We received a notification from all XXXX credit bureaus that our XXXX XXXX balance increased from {$470000.00} to over {$470000.00}. I was extremely confused as there's no reason for our balance to increase while payments are paused. When I called the executive team XXXX XXXX XXXX they confirmed that our balance has not increased, and our payments have simply been paused. They also confirmed that paused payments do not get added to the existing balance of the loan, they just get added to the life of the loan. She said she would inquire about how they reported it, but she said she only shows that it was reported as a forbearance, nothing more. I explained to her that all XXXX credit bureaus are showing an " increased balance '' so it is more than likely not something that the credit agencies are doing and I asked if she could check into this again because something either isnt getting reported correctly, or is being left out. Our balance is the exact same as of today ( XX/XX/XXXX ). It hasn't changed or increased at all. Someone is reporting it to the credit agencies incorrectly and they are adding our paused payments as additional payments and causing a notification of an " increased balance '' instead of reporting them as paused payments. My husband and I both took a XXXX point hit on our credit scores because of this, resulting in damaged credit. We also confirmed with XXXX XXXX that there is no negative reporting to our credit as it is a forbearance on a current account, and we are also under a XXXX XXXX until XX/XX/XXXX regardless. So, the decrease in our scores was simply because of an increased balance, which makes XXXX sense. This needs to be fixed.

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 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
We were approved for a " forbearance on a current account '' while we try to sell this home. We received a notification from all XXXX credit bureaus that our XXXX XXXX balance increased from {$470000.00} to over {$470000.00}. I was extremely confused as there's no reason for our balance to increase while payments are paused. When I called the executive team at XXXX XXXX they confirmed that our balance has not increased, and our payments have simply been paused. They also confirmed that paused payments do not get added to the existing balance of the loan, they just get added to the life of the loan. She said she would inquire about how they reported it, but she said she only shows that it was reported as a forbearance, nothing more. I explained to her that all XXXX credit bureaus are showing an " increased balance '' so it is more than likely not something that the credit agencies are doing and I asked if she could check into this again because something either isnt getting reported correctly, or is being left out. Our balance is the exact same as of today ( XX/XX/XXXX ). It hasn't changed or increased at all. Someone is reporting it to the credit agencies incorrectly and they are adding our paused payments as additional payments and causing a notification of an " increased balance '' instead of reporting them as paused payments. My husband and I both took a XXXX point hit on our credit scores because of this, resulting in damaged credit. We also confirmed with XXXX XXXX that there is no negative reporting to our credit as it is a forbearance on a current account, and we are also under a XXXX XXXX until XX/XX/XXXX regardless. So, the decrease in our scores was simply because of an increased balance, which makes zero sense. This needs to be fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 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: AZ

Complaint narrative:
We were approved for a " forbearance on a current account '' while we try to sell this home. We received a notification from all XXXX credit bureaus that our XXXX XXXX balance increased from {$470000.00} to over {$470000.00}. I was extremely confused as there's no reason for our balance to increase while payments are paused. When I called the executive team at XXXX XXXX they confirmed that our balance has not increased, and our payments have simply been paused. They also confirmed that paused payments do not get added to the existing balance of the loan, they just get added to the life of the loan. She said she would inquire about how they reported it, but she said she only shows that it was reported as a forbearance, nothing more. I explained to her that all XXXX credit bureaus are showing an " increased balance '' so it is more than likely not something that the credit agencies are doing and I asked if she could check into this again because something either isnt getting reported correctly, or is being left out. Our balance is the exact same as of today ( XX/XX/XXXX ). It hasn't changed or increased at all. Someone is reporting it to the credit agencies incorrectly and they are adding our paused payments as additional payments and causing a notification of an " increased balance '' instead of reporting them as paused payments. My husband and I both took a XXXX point hit on our credit scores because of this, resulting in damaged credit. We also confirmed with XXXX XXXX that there is no negative reporting to our credit as it is a forbearance on a current account, and we are also under a XXXX XXXX  until XX/XX/XXXX regardless. So, the decrease in our scores was simply because of an increased balance, which makes zero sense. This needs to be fixed.

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