vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-19 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: SC

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. 

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 2023-12-19 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: NY

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 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 u

nder 15 USC 1681. 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 2023-12-19 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: NV

Complaint narrative:
I have sent numerous emails to Nelnet requesting the following : acknowledgment of my payments which exceed my amount due since the resumption of payments ( 3 full payments made with only two having been due ), refunding of an automatic debit which I attempted to cancel multiple times without success due to their website crashing on every attempt, change my account status from past due to current, and ungroup my loans so that I can allocate my full payment to the highest interest loan thus paying off my loans sooner and with less interest paid and not be listed as past due. They claim to offer email and chat customer service, however they refuse to acknowledge and accommodate my simple, reasonable requests ( which a previous email reply from them stated were within my rights as a borrower ) without me calling them on their obscenely inefficient phone customer service line that has limited availability hours and forces customers to wait 90 minutes on average to reach a representative only to be told the website has a mind of its own and that they cant do anything to assist. They simply cut and paste a reply stating their refusal to communicate with me via any other channel than telephone. Their website will no longer allow me to process a payment toward my highest interest loan which their website states is legal and acceptable, without paying toward other loans that they have erroneously marked as past due. This is a clear attempt to frustrate me into giving up without them having to correct their mistakes, accommodate my simple and reasonable requests that are within my legal borrowers rights, or be held accountable for their poorly designed and administered website and criminally inefficient phone customer service system. This is a clear case of negligence and incompetence on their part which is having a substantial detrimental effect on my financial wellbeing and mental health.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
I was in Wisconsin XXXX, WI, when I started receiving alerts that transactions were being attempted on my credit cards in XXXX, OH. One of those alerts was from Comenity Bank for my Jared Jewelers, saying that there was an attempt to charge my card for {$6900.00}. I responded saying that I did not make that transaction, and it said the issue was resolved. I later received an email receipt for jewelry purchased in the Jared store in XXXX, OH. I filed a fraud claim with Comenity, and after 3 months, I received a letter in the mail stating that I had no basis to my claim and they would be putting the {$6900.00} back on my credit card for me to pay. I had also filed a police report back in XXXX with the XXXX Police Department, in XXXX, WI. The case number is XXXX. The Detective was able to get video footage, showing that 2 XXXX men, were the ones that were in the store and bought the jewelry. I am a XXXX  male. They did not have my physical credit card. However, the video quality is not good enough to get an actual ID of the people.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
Looking at my credit report they claim to have closed/charged off/AND wrote off the vehicle in question. Now they are harassing me daily about repossession when it says its closed and written off. I have copies of the original documents i signed buying the car that states no oral agreement is binding however, the number they give me via email and text when i call to work out a settlement they will not put it in writing. They blatantly lied to XXXX about their reporting and behavior they told them that if i gave them approx {$5000.00} on my good faith theyd then write me a letter for settling for XXXX which is way more than the car is even worth, the amount is nothing ive ever signed on i have paid on the car they have several class actions for this exact behavior that they are continuing. They tell me on the phone if i give them the {$5000.00} number that theyll take that money off the settlement and renegotiate but will put nothing in writing and ill be attaching the portion of my binding agreement and the lack of the same information, the reason i am behind is because i am XXXX XXXXXXXX, i have been doing my best to make everything right since i had to wait for a year and a half to get any income. They want me to somehow resume a {$500.00} a month payment this isnt possible with my limited income. I really need actual assistance with this, this is an ongoing issue with santander consumer usa and if you see all the class action theyre known for this : i would like to know if my car can be taken or what since its wrote off charged off and closed not even out for collection or anything. I need it to get to the doctor. I am very sick and doing my best. This is also being incorrectly reported on my credit score and keeping me homeless and XXXX. The XXXX XXXX in charge of the multistate class action says the attorney general is in charge and needs to be aware theyre still doing the same vile behavior after all the class actions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX SS # XXXX XXXX XXXX XXXX Greetings to whom it may concern, XXXX XXXX XXXX XXXXXXXX : XXXXXXXX XXXX XXXX + All Banks Please take a look at the information that I am disputing on my credit report, this information is inaccurate on my credit report. I am asking for a full investigation. Please fix this report effective and immediately. I am disputing the credit inquiries that are not mines and needs to be removed. 
Please send me written confirmation, also include proof that youve complied with section 623 ( a ) ( 4 ) of the Fair Credit Reporting Act to the National Credit Bureaus. 
Thank you for your cooperation. If you have any questions concerning this matter I can be reached at phone number above. 

Thanks in Advance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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 would appreciate it if you could examine the attached documents. I want the bureau to start an investigation into these accounts, as I am never late, but they are reporting me inaccurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CBC Companies, Inc.
State: MD

Complaint narrative:
I recently applied for a mortgage loan through XXXX XXXX XXXXXXXX in Maryland in XXXX. Following the registration of my loan and the retrieval of my credit report from Factual Data, I encountered a significant influx of unsolicited calls from various lenders. 

This unexpected volume of communication has left me deeply concerned about the security of my personal information. I fear that my details might have been shared without proper notification or authorization. As a result, I kindly request your assistance in promptly removing my information from any unsolicited contact lists or databases. 

Preserving the confidentiality and security of my data is of utmost importance to me. I appreciate your immediate attention to this matter and request confirmation once my information has been removed to prevent any further unsolicited outreach. 

Thank you for your prompt assistance in addressing this concern. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UPGRADE, INC.
State: FL

Complaint narrative:
Creditor supposedly owns debt in consumers name. Consumer debt XXXX XXXX a debt Verification letter via USPS certified mail with return receipt which was received by XXXX on XX/XX/XXXX at XXXX at address : XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX See attachment, company has not yet verified debt per FDCPA per consumer request. 

Consumer received email from supposed representative of XXXX XXXX by the name of XXXX XXXX XXXX XXXX on XX/XX/XXXX also see attached email. 

Velocity Recovery is in violation of FDCPA by still attempting to collect on a dispute debt that has yet to be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: CA

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confident

iality under 15 USC 1681. Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: FL

Complaint narrative:
i mailed out a letter to experian last month in regards to inaccuate and incomplete information. it's been officially been 31 days and experian has yet to conduct and investigation, send me a letter of receipt that they've even receicved my dispute or will be begin investigating. this is complete negligence of experian 's experian 's behalf and i want the following accounts DELETED from my credit report immediately. my consumer rights were violated and i am seeking remedy! 

XXXX XXXXXXXX XXXX XXXX  Account Number XXXX DELETE FROM MY CREDIT REPORT. 

XXXX XXXX Account Number XXXX DELETE FROM MY CREDIT REPORT. 

XXXX XXXX Account Number XXXX DELETE FROM MY CREDIT REPORT. 

XXXX XXXX Account Number XXXX DELETE FROM MY CREDIT REPORT. 

I HAVE ATTACHED A COPY OF MY ORIGINAL DISPUTE LETTER, A COPY OF MY DRIVERS LICENSE, AND PROOF OF THE CERTIFIED MAIL TRACKING FROM USPS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: WI

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. XXXX : # XXXX, XXXX : # XXXXXXXX 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. 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. 

I've asked for the companies to investigate the information and have received no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 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: 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.

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 explanation
Consumer complaint received 2023-12-19 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: OH

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.

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 explanation