vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-24 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: MD

Complaint narrative:
I am writing to dispute several hard inquiries that appear on my XXXX credit report. These inquiries are unverified, and I did not authorize any of them. As such, I request that they be removed from my credit report immediately, in accordance with my rights under the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
They call me every single day and the file date is from XXXX but the account became unpaid in XXXX. I just recently started working and I dont have money to pay them and I expressed to them on the phone I could not speak to them while Im working and they continue to call from multiple phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am the victim of identity theft. I have already reported this to the credit bureaus as well as to the FTC but they do not respond to me at all. It has been over two months and they do not send me any type of response. I know I did my paperwork right and attached my IDs. I even put a copy of the Fair Credit Reporting Act. I know they are breaking the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 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: MD

Complaint narrative:
I am writing to dispute several hard inquiries that appear on my Transunion credit report. These inquiries are unverified, and I did not authorize any of them. As such, I request that they be removed from my credit report immediately, in accordance with my rights under the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: VA

Complaint narrative:
I'll start with the current issue. Around XXXX of XXXX  when I heard the federal student loan pause was ending, I called Nelnet and asked to be put on a income based repayment plan. Went through it all over the phone, and was told I was set. Eventually by around XXXX of this year, I noticed I was getting notices of non-payment from Nelnet, despite being self employed for less than XXXX in XXXX. I called again, and Nelnet said they had no record of the application. I went through the whole shebang again, with very little information on what the different income based repayment plans mean or do. 

I am still receiving late payment notices and accruement of interest. This is unacceptable. 

Furthermore, in the years first following my loan acquisition I experienced bouts of homelessness, and significant periods of unemployment. When I called my servicer to ask what I could do about my payments, I was never told about income based repayment, and directed into forbearance instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: NJ

Complaint narrative:
I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Equifax really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case Please see attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I'm not liking the response that wells fargo is giving me to a scam that happened 2 months ago. I was lead to believe I was getting a loan and because apparently it was done through my account that means I gave the scammers permission to take money out my acct? I thought i was applying for a loan to get money not have it taken away. That's why I said I THOUGHT I was getting a loan. A loan is because I need money. Now scammers are smart and made it be me doing it so they get MY money Wells Fargo refuses to want to give me back MY money

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 2024-03-24 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: NC

Complaint narrative:
I'm genuinely perplexed. No matter how many times I assert that I'm the one behind this letter, it seems the message is continually overlooked. Let me clarify : I'm the individual instigating these disputes under my own name. However, this particular item is unfamiliar to me. I fail to comprehend why you're labeling these as fraudulent or posing a high risk. The documents I've submitted are authentic, they're mine, duly filed with the appropriate agencies, and they support my stance. Let 's set the record straight! 

Firstly, I'm aware that under FCRA Section 619, obtaining information under false pretenses carries severe penalties. Any individual knowingly and willfully obtaining information on a consumer from a consumer reporting agency under false pretenses may face fines or imprisonment, or both, as per Title 18 United States Code. 

Crucially, I have never shared my documentation with anyone else, which seems to be the basis for the claim of high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ), if a consumer reporting agency reasonably determines that a dispute by the consumer lacks sufficient information to investigate the disputed information, they may terminate the reinvestigation.

Furthermore, under 617 Civil liability for negligent non-compliance ( 15 U.S.C, 1681o ), any person negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer for actual damages sustained as a result of the failure, along with the costs of the action and reasonable attorneys fees in the case of any successful action to enforce liability under this section. 

Here is the list of items that are unknown to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I recently have had my cash App card ending in XXXX information stolen and unauthorized purchases have been attempted to be taken out of my account. After reporting the card and issuing another card, I've had numerous different reoccurring charges I've already set up priorly on that old card attempt to go through and have had some actually go through when I was unaware of the issue. My activities tab which informs me of recent transactions doesn't actually give accurate information when put into comparison of my actual monthly cash App statements. I thought it was an issue of malware just on a specific device, but the issue has translated literally onto any device I've signed in on the account from. Prime example of my issue, It says in my activities tab that I was refunded on XX/XX/year> {$420.00} when I know for a fact that Sunday I never received that refund from XXXX XXXX XXXX ( XXXX ), but actually received the refund on XX/XX/year>. Most importantly I remember specifically regarding this refund it didn't even initially show up either on my activities tab until days later but showed up in my current balance of my cash app account. I know that my payments for certain things are also different than what are shown also, and other purchases aren't even listed at all for me to find that I purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: MECHANICS BANK
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX sold me a lemon car piece of XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I'm genuinely perplexed. No matter how many times I assert that I'm the one behind this letter, it seems the message is continually overlooked. Let me clarify : I'm the individual instigating these disputes under my own name. However, this particular item is unfamiliar to me. I fail to comprehend why you're labeling these as fraudulent or posing a high risk. The documents I've submitted are authentic, they're mine, duly filed with the appropriate agencies, and they support my stance. Let 's set the record straight!

Firstly, I'm aware that under FCRA Section 619, obtaining information under false pretenses carries severe penalties. Any individual knowingly and willfully obtaining information on a consumer from a consumer reporting agency under false pretenses may face fines or imprisonment, or both, as per Title 18 United States Code. 

Crucially, I have never shared my documentation with anyone else, which seems to be the basis for the claim of high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ), if a consumer reporting agency reasonably determines that a dispute by the consumer lacks sufficient information to investigate the disputed information, they may terminate the reinvestigation.

Furthermore, under 617 Civil liability for negligent non-compliance ( 15 U.S.C, 1681o ), any person negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer for actual damages sustained as a result of the failure, along with the costs of the action and reasonable attorneys fees in the case of any successful action to enforce liability under this section. 

Here is the list of items that are unknown to me : XXXX XXXX XXXX XXXX XXXX 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 2024-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Global Lending Services LLC
State: NJ

Complaint narrative:
On XXXX XXXX my parents and in-laws were harassed via phone call about my past due car note payment. Personal information about my financial information was disclosed to these individuals without any permission from me. My father, mother, father-in law and mother-in law received phone calls early in the morning. When I contacted the company ( GLS ) and informed them I needed 2 more days to make a payment, the representative did not care to acknowledge my request. She was also very condescending and rude. This company has called me past XXXX at times, they wont stop harassing me. My vehicle was reposed at XXXX the following day. After calling them for information, the representative suggested I wouldnt have enough money to pay. I paid my past due balance of {$1500.00} and picked up my vehicle the same day. I made another payment this month of {$660.00} ( my monthly payment ) and they are still harassing me, it startles my nerves at this point. Please help. It violates US FDCPA laws to harass me and call me past XXXX and to contact my parents about my debt. My rights have been violated, I am only having a temporary financial hardship and will start work soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: CA

Complaint narrative:
On XX/XX/24, I received notice that the account XXXX XXXX XXXX XXXX was removed from my XXXX credit report. However on XX/XX/24, I received another notice that this same account was re-added to my account. I asked for certification of this account belonging to me but I was never given this certification. Also there are inaccuracies for this account across all the 3 credit report. I am asking this account be removed from my XXXX and Experian credit reports.

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 2024-03-24 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: CA

Complaint narrative:
My account XXXX XXXX, which is on all 3 credit bureaus, Equifax, XXXX and XXXX has been reporting incorrectly and has incorrect information. Also according to these laws I please ask you to delete this collection from all three bureaus please. Ive highlighted a lot of incorrect information. this is supposed to fall of in 4 months anyways so please delete from all three. 

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 XXXXXXXX I kindly ask you to remove ACCOUNT NAME - XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect information is also being reported on XXXX XXXX reports on all bureaus. please remove all 8 late payments. in violation of laws below. Thanks!

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. 16815-2 ( 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 COMMUNICATION WITH THIRD PARTIES Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

( c ) CEASING COMMUNICATION If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or I kindly ask you to remove the is collection from XXXX XXXX XXXX XXXX XXXX XXXX  XXXX late payments thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 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 received my credit reports and noticed an address that does not belong to me for an apartment complex.I called and was told they didnt see my name, but someone is using my ssn without my permission.

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 2024-03-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I filed an initial complaint due to Synchrony Bank not acknowledging my dispute. Since then I was promised a PERMANENT credit, I filed a first dispute with synchrony, which you have information on about the first dispute/complaint I filed. I was sent a check for only {$76.00} now they are claiming they sent a check for {$77.00} which is a blatant lie. I have copies of all documentation. This bank can not be serious.. it is very clear to me, that to your agency they pretend to abide by their promises, but I have PROOF they did not uphold their end of the agreement. This only further proves how corrupt and dishonest this bank is. Furthermore, upon checking my account, the re-billed me for {$76.00} after claiming they resolved the dispute and ruled in my favor I was promised the refund check and PERMANENT credit from an account manager supervisor named XXXX XXXX last week approximately. I am attaching all of the documentation in this second complaint and have now also decided to further speak with my counsel on our next move under the law.

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 2024-03-24 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: GA

Complaint narrative:
Transunion, XXXX, and XXXX ignored my opt notice on XX/XX/XXXX. Transunion, XXXX, and XXXX have refused to remove unauthorized inquiries, collections, and late payments from my credit report. All credit/consumer reports are to be uniform and accurate in reporting. My consumer reports for Transunion, XXXX, and XXXX are neither. 

The Privacy Act of 1974, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual.

15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; LATE PAYMENTS and CREDIT UTILIZATION AMOUNTS AND PERCENTAGES, AND BANKRUPTCIES are all, in fact, transactions and experiences between the consumer and the person making the report as explained in the US Code provided above, and are, therefore are being inaccurately and unlawfully reported within my consumer report.

This complaint is also a notice of arbitration. I am only submitting this complaint as the arbitration instructions state I must resolve my issue before moving forward with arbitration. I've attempted to resolve these issues on multiple occasions. Im ready, willing, and fully prepared to move forward with the arbitration process against Transunion, XXXX, and XXXX. 

I've uploaded all relevant documents.

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