vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-06 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: IL

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-11-06 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: MO

Complaint narrative:
On XX/XX/2023 at XXXX central time, I called my loan servicer Nelnet to request a change of my payment date from the XXXX of every month to the XXXX of the month. The agent I spoke to processed the request and said that it can take about 3 weeks for it to be fully processed. I requested a confirmation of this request being made but they declined to send one. 

I called Nelnet on XX/XX/2023 at XXXX Central time, and was finally connected to an agent at about XXXX Central time. I requested an email to confirm that there was a request to change the payment date but they could not provide one. 

I was advised to email XXXX with my request so that they could send the requested information. When I sent an email to that address, I received an automated email saying that they couldn't respond to my email personally, and to call their customer service back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Remove all the accounts that dont belong to me at all immediately The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Remove all the accounts that dont belong to me at all immediately The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax has refused again to provide me a copy of my consumer file pursuant to 15 USC 1681g and are continuing with their stall tactics. I have asked them twice for a copy of my consumer file and this last time they responded stating that I needed to provide them with identifying information such as a copy of my social security card, my DL, and my mailing address. However, that information was provided with the request for my file. To top it off, Equifax is preventing me from obtaining a copy of my credit report. I have tried twice now to get a copy of a recent credit report using the online account I have with them and each time they have denied it to me which is a violation as well. I will be pursuing litigation if they are unwilling to rectify and provide my report and a copy of my full consumer file. 

Attached again are my DL, ssn card, my mailing address is attached to the complaint, and screenshots of them preventing me from getting my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I got a credit denial letter in the mail at an old address where I can still receive mail, from chase bank. I called customer service on Sat XX/XX/2023 to get information to file the dispute as it was a fraudulent application. They could not tell me any information and advice I visit a branch. I visited a branch around XXXXXXXX XXXX XXXXXX/XX/XXXX in XXXX Ky, they could not find record of the account and gave me a packet with a number to call their ID theft department. I call this number they submit dispute for the credit inquiry but said they could not give me the information from the application and that she had to transfer me to another dept that could give me the information I was requesting. Which I have a right to under the fair credit reporting act. That number tells me that they can not provide that info to me and was trying to direct me to online. I requested a supervisor and she denied me that request and told me to call ftc they could give me the info and provided the phone number. FTC said that was incorrect and they could not provide that info that chase had to provide that. She referred me to file this complaint. I am being denied the application I supposedly applied for. I'm being denied the information used in the application. Denied information on whether it was applied in a branch or online.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 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: AL

Complaint narrative:
I'm trying to purchase a house andI realized my account information has not been changed nor updated to correct information. FICo score and Credit Score was not updated along with balance and correct information making it hard for me to purchase loan or mortgage loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2023-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have tried and tried over and over to prove, that Wells Fargo Bank 's complaints " were always fictitious '' I'm asking, show me a signed copy of any " cure notice '' that I received and proof that I received it, from WFS Financial Inc. Or from Wachovia Bank XXXX from Wells Fargo bank XXXX surely if any debt was due, XXXX of these XXXX corporations whether by contract or standard procedure. In XXXX if someone is late on any debt payments, they get a signed " cure notice '' show me one I received?????

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 2023-11-06 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Personal information incorrect
Company: Supreme Lending
State: CO

Complaint narrative:
Supreme Lending XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Around XXXX, XXXX. A mortgage loan amount of almost {$200.00} XXXX was approved to someone using my identity. As when I tried to see if I could be approved I was denied but someone underwriting my personal identity got approved that was not me. And I do not know who is doing it but I have gone through identity theft since XXXX. 
XXXX XXXX XXXX XXXX XXXX Social Security Offices Example : XXXX, Co website withholding other ways for people to sign in to their MyAccount SSI? SSA?. Gov? to communicate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc.
State: LA

Complaint narrative:
On XX/XX/2023 I went to a car dealership XXXX, la to purchase a vehicle, I was unaware that after me being declined by the first bank, This dealership would continue to shop my credit information around to other lenders without my knowledge and after I had left their place of business. The result of the auto dealer practices has caused unnecessary burden on my personal and business finances, I walked into the dealership with a XXXX credit credit score and discovered a week later my credit score had dropped to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: IL

Complaint narrative:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute the late payment entry on my credit report, as it is in violation of the Consumer Credit Protection Act [ 15 U.S.C. 1666 ] - Timing of Payments. After carefully reviewing my credit report, I noticed that XXXX reported a late payment for the following months : XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 and XX/XX/2023 However, I believe that this late payment entry is inaccurate and should be removed from my credit report. 
Account Information Creditor Name : XXXX Account Number : XXXX Date of Late Payments : XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 and XX/XX/2023 I kindly request that you investigate this matter promptly and provide evidence to support the accuracy of the late payment entry. As per the XXXX XXXX XXXX XXXX, creditors are required to comply with specific rules regarding the reporting of late payments : XXXX. Accurate Reporting : Creditors are required to report accurate and timely information to credit bureaus. Any discrepancies or inaccuracies in reporting may lead to a violation of consumer rights.

2. Timing of Payments : According to the Consumer Credit Protection Act [ 15 U.S.C. 1666 ], if a consumer sends a payment within 60 days after the due date, the creditor can not report the payment as late. I assert that I made the payment in question within this grace period, and the late payment entry is, therefore, in violation of this law. 
XXXX. Notice of Error : Under the Fair Credit Reporting Act [ 15 U.S.C. 1681i ], I have the right to dispute any inaccurate information on my credit report. I am formally notifying you of this error and requesting its prompt correction. 
I kindly request that you review the information provided by XXXX and verify the accuracy of the late payment entry on my credit report. If you can not substantiate this late payment with valid evidence, I urge you to remove it from my credit report immediately. 
As per the Fair Credit Reporting Act, I expect your timely response to this dispute within 30 days from the date of receipt of this letter. Failure to comply with this request may result in my filing a complaint with the Consumer Financial Protection Bureau and pursuing legal remedies to protect my rights under the law. Please provide a written response to this dispute and update my credit report accordingly. 
Thank you for your prompt attention to this dispute. I trust that you will handle this matter diligently and in compliance with the laws and regulations governing consumer credit protection. 
Sincerely, 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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute the late payment entry on my credit report, as it is in violation of the Consumer Credit Protection Act [ 15 U.S.C. 1666 ] - Timing of Payments. After carefully reviewing my credit report, I noticed that XXXX reported a late payment for the following months : XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 and XX/XX/2023 However, I believe that this late payment entry is inaccurate and should be removed from my credit report. 
Account Information Creditor Name : XXXX  Account Number : XXXX Date of Late Payments : XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 and XX/XX/2023 I kindly request that you investigate this matter promptly and provide evidence to support the accuracy of the late payment entry. As per the Consumer Credit Protection Act, creditors are required to comply with specific rules regarding the reporting of late payments : 1. Accurate Reporting : Creditors are required to report accurate and timely information to credit bureaus. Any discrepancies or inaccuracies in reporting may lead to a violation of consumer rights.

2. Timing of Payments : According to the Consumer Credit Protection Act [ 15 U.S.C. 1666 ], if a consumer sends a payment within 60 days after the due date, the creditor can not report the payment as late. I assert that I made the payment in question within this grace period, and the late payment entry is, therefore, in violation of this law.

3. Notice of Error : Under the Fair Credit Reporting Act [ 15 U.S.C. 1681i ], I have the right to dispute any inaccurate information on my credit report. I am formally notifying you of this error and requesting its prompt correction. 
I kindly request that you review the information provided by XXXX and verify the accuracy of the late payment entry on my credit report. If you can not substantiate this late payment with valid evidence, I urge you to remove it from my credit report immediately. 
As per the Fair Credit Reporting Act, I expect your timely response to this dispute within 30 days from the date of receipt of this letter. Failure to comply with this request may result in my filing a complaint with the Consumer Financial Protection Bureau and pursuing legal remedies to protect my rights under the law. Please provide a written response to this dispute and update my credit report accordingly.

Thank you for your prompt attention to this dispute. I trust that you will handle this matter diligently and in compliance with the laws and regulations governing consumer credit protection. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
It has come to my attention that these companies have accounts open under my name and I have no knowledge of this. I do not recall applying for credit with these companies ever before. Either I have been mistaken for someone else or this credit was the result of some fraud. These companies were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX these accounts were all opened this year of XXXX Credit lines opened from {$200.00} to {$500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I am writing to express my dissatisfaction with the recent closure of my credit card accounts. I had accumulated over {$3800.00} in rewards points on one account and nearly {$1000.00} on another. When I contacted your customer service department to inquire about the closure, I was informed that I would not be reimbursed for my rewards points. 

I am deeply disappointed by this decision. I earned these rewards points through my own spending and by following your terms and conditions. I feel that I have been robbed of my hard-earned money. 

I understand that your policy is to not reimburse rewards points when accounts are closed. However, I believe that this policy is unfair and unjust. I am a loyal customer of Bank of America, and I have never had any problems with my accounts in the past. 

I am requesting that you reconsider your decision and reimburse me for my rewards points. I believe that this is the fair and just thing to do. 

Thank you for your time and consideration.

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 2023-11-06 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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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