vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-15 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: CITIBANK, N.A.
State: ID

Complaint narrative:
Home Depot told me my social came up under somebody elses name that I need to report it

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 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian will not correct the spelling of my last name and will not delete my previous addresses. Misspelled names and unnecessary data on my consumer report puts me at greater risk to identity theft. I have updated all relevant accounts to the current and correct address. 2 prior requests to Experian to correct the data have been submitted via certified mail but I've only been ignored. Please take notice of the attached credentials and receive receipts. 

According to 15 USC 1681 ( a ) ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

Experian is disrespecting my privacy.

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 2023-09-15 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this 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 2023-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One Bank USA NA I owe $ XXXX off XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
At least 2 disputes have been sent and received by TransUnion regarding a NCA collection account. The account has not been investigated at all according to the most recent report. The last account update ( XX/XX/2023 ) predates the investigations that TransUnion have claimed to have conducted.

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 2023-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One Attn : Disputes XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX please remove the hard inquiries from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: OK

Complaint narrative:
Hard inquiries without my consent and knowledge fraudulently XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: NY

Complaint narrative:
This is completely inaccurate. 

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 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
On XX/XX/2022 I was approved for a payment plan to avoid becoming delinquent on my mortgage. I received a letter from Shellpoint going over the terms and a breakdown of the entire payment schedule. I completed every payment and on time as directed by Shellpoint but I found out recently that my credit took a plummet because during the entire time I was on the payment plan, making these payments, Shellpoint was reporting me late! How can they report me late when I have record of the payments made, at times even making more than the agreed on amount! This is not fair because I kept my end of the agreement and I feel they are falsely reporting information. If I had known they were still going to report me late, even though I wasn't, I would have never agreed to these terms!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: TX

Complaint narrative:
Please see the attached FTC report and remove the unauthorized inquiries.

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 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing this complaint on my own behalf to urgently bring attention to the fraudulent personal information linked to my identity. I noticed certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. Regrettably, I have become a victim of identity theft and have taken immediate action by reporting the incident.

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 2023-09-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Spoke with XXXX at XXXX XXXX XXXX on XXXX XXXX regarding 30 days ' notice to move due to my daughter being bullied which I have a police report for. I was told I could give 30 days ' notice instead of XXXX and they would waive the additional fees. I provided my forwarding address. 

My daughter was bullied, and we had our door kicked so I filed a police report. 
The Ledger from Property did not address this until 6 months after I had moved out. 
I have been harassed and threatened to sue. I have addressed this with the collection agency. 

I have paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
Checked credit report found loans and lines of credit that were not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: PA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Account Name Your report says XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XX/XX/XXXX Midland Credit Management I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX owe $ XXXX off XX/XX/XXXX Dept of XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX I owe $ XXXX off XX/XX/XXXX There is also an unemployment claim taken out in my name in XX/XX/XXXX. I have been consistently working at my job since XX/XX/XXXX 9 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Tesla, Inc.
State: ME

Complaint narrative:
On XX/XX/XXXX, I took delivery of a Tesla XXXX XXXX I am leasing from Tesla. I had to pick up the vehicle in XXXX, NJ ( I reside in Maine ). I was issued a NJ temporary plate that was good for 30 days. I was told Tesla would be mailing me my permenant plates. Note, however, that this is what I was told in XXXX, NJ. I different Tesla rep I interacted with over text prior to delivery said they would mail me a packet within 30 days with everything I needed to go and register the vehicle myself. 
Either way, I never received a packet nor permanent plates. About a week prior to my temp. plate 's expiration, I reached out to Tesla. They primarily use a text message service to contact their support staff ( calling takes over an hour on hold ). They told me they were looking into it and to check back for a status update next week. I did that and they again said they were looking into it. The day the plate expired ( XXXX ) I again texted and received the same response. I called their customer support number ( had to XXXX it as there is not one on their website ). After waiting an hour, I spoke with someone who seemed friendly and empathetic. She said she would be calling the XXXX, NJ location. She also tried calling the XXXX XXXX location as I had to been told by someone previously that they handle Maine registrations. She promised to get back to me the next morning. The next morning, she texted me to say she's still working on it. Since that time, I've contacted the Maine XXXX XXXX XXXX XXXX who confirmed that they have not received anything from Tesla regarding my vehicle. They explained the process and even offered to assist Tesla directly if they have any questions. I relayed this to Tesla this morning ( via text ) and insisted that Tesla apprise me, in detail, of the status and their plan, as well as to issue me another temporary plate while they sort things out. It has been about XXXX hours and they haven't responded thus far. Note that I paid sales/use taxes and registration fees to Tesla up front ( as well as the cost of the vehicle ) and I currently have a vehicle that I can not legally drive. 
Particulars re : my vehicle : VIN # XXXX Order # XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I walked in to Citi Bank the XXXX Branch to do a wire transfer Im buying a house and needed to wire the money to escrow a white male asked me if I needed help I told him I wanted to do a wire transfer, so he sat down on his desk and he said our wire system is down and he was going from one place to another and refused to help me and he said call customer service they will help you and I asked him whats the number he said look at your card its on the back, complete discrimination, I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive dealt with so many Banks and Banker but never felt so disrespected in my life and distressed because I had a dead line and he didnt help 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 explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I have been trying to connect and make payments with Nelnet as my student loans were transferred to them. I have seen 3 different payment totals when I log into their system. I have also tried making payments through the website but the system has been down and will not accept payments since the beginning of XXXX. When I call the customer service number the wait times are more than an hour. This is all a common issue and needs resolution. I would like to have a different company processing my student loan, but unfortunately, that is not an option given to any of us dealing with this terrible organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: TX

Complaint narrative:
Per DOE guidelines, interest was not supposed to capitalize for XXXX months after the payment freeze ended. I graduated during the payment freeze and was never out of forbearance. My interest capitalized on all loans and is currently accruing additional interest. I requested information about this from EdFinancial via email and did not receive a response. I contacted them several times via phone and was told I would receive a callback, then never did. I have so far been unable to reach the company for an explanation of why I'm being charged interest on a balance that should not include accrued interest yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: GA

Complaint narrative:
I am trying to get forgiveness my loans are well over XXXX XXXX XXXX. I filed bankruptcy because the balances were so high and was told to consolidate and apply for XXXX which I did before XXXX. Payment amount was still more than I could afford than and even more now.. I spoke to the new servicer in XXXX and was told I would be able to make monthly payment of around $ XXXX and would received information in the mail regarding this. For past few months I have tried to log on the site and was unable to due system changes/upgrades. On Friday of last week I received a email stating that my loans would resume and the monthly payment amount would be $ XXXX. Of course I can not afford that amount. The following day ( Saturday ) I received 2 additional emails stating that I was past due and that payments of two different amounts was past due as of XX/XX/XXXX. Monday morning first thing I called and received a recording that the wait times were extremely long ( XXXX XXXX XXXX ). I left information for a callback 2 days later I received a callback but was quickly disconnect. So I called again and same message wait time ( XXXX + hours ) Left information for a callback and as of today have not received a call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: IL

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2023-09-15 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



XXXX XXXX XXXXXXXX # XXXX -- IDENTITY THEFT XXXX XXXX # XXXX -- IDENTITY THEFT XXXX 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 of 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 explanation