vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-28 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:
I just received a copy of my credit report and there's different spelling 's of my name, different addresses, and phone number 's, account I did not recognize. I reached out to all three credit beau 's to remove items

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 2023-11-29 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: NV

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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: MO

Complaint narrative:
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 XXXXXXXX until college was in the news for fraud and defrauding students out of millions of loans and tuition for non accreditation they closed XX/XX/XXXX I now have unauthorized loans from XXXX in my name in which are inaccurate and untrue. They settled an XXXX XXXX dollar lawsuit in XX/XX/XXXX in which I was neither contacted or reimbursed any funds from settlement. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Missouri XXXX phone number 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 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Amazon/Synchrony . XXXX XXXX XXXX XXXXPlease remove Those. It XXXX  my self that applied.

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 2023-11-29 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: WI

Complaint narrative:
I kindly ask you to remove the incorrect late payment from my account. Considering my consistent history of making payments on time, it is unfair for me to be penalized for an error that is not within my control. I respectfully implore you to promptly update my account with the correct information.

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 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I kindly ask you to remove the incorrect late payment from my account. Considering my consistent history of making payments on time, it is unfair for me to be penalized for an error that is not within my control. I respectfully implore you to promptly update my account with the correct information.

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 2023-11-29 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: WI

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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: WI

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-11-29 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: TX

Complaint narrative:
XXXX is reporting balances to Experian although my accounts were transferred to XXXX. I submitted multiple disputes with Experian on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each dispute resulted in Experian stating XXXX verified the debt therefore it can not be removed. I submitted another dispute with Experian today, XX/XX/XXXX. 

My Experian report reported duplicate balances from XXXX and XXXX up until XX/XX/XXXX. As of then, most of the duplicates from XXXX have been removed except one for {$2400.00} and one for {$2100.00}. These also show for XXXX. 

Additionally, I contacted XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time they informed me I do not owe any balances for them. However, they continue to verify the debt that I do not have. They have not resolved any issues or provided any conclusions of their internal review/dispute process. A supervisor with XXXX stated they will submit a credit bureau retraction on XX/XX/XXXX and I will be notified via email, within XXXX business days, of the results of the retraction. 

I have no faith XXXX will actually resolve the issue since they have were notified of this issue in early 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 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 XXXX XXXX XXXX. 

Account Name : XXXX  : Account Number:XXXX  Account Name : XXXX  : Account Number:XXXX  Account Name : XXXX  : Account Number:XXXX  Account Name : XXXX  : Account Number:XXXX  Account Name : XXXX  : Account Number:XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX  Account Name : XXXX XXXX XXXX  : Account Number:XXXX  Account Name : XXXX XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number:XXXX  has violated my rights. Or 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 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
This is a fraudulent account with Community Bank # XXXX, i make a request for this account validation and Victoria Secret could not validate this account as mine as FCRA says..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: United PanAm Financial Corp.
State: NC

Complaint narrative:
I have made attempts to remedy situation even did what I was told only to be threatened every other day. My payment is due until the XXXX. My payment is XXXX I only owe XXXX which isn't late or past due until after the sixth. Why am I being threatened or even called. Telling me it's in my best interests. I'm no longer past due so what interests are you referring to. They are leaving voice-mail saying my car is up for repo how? It's current you can take a car that's not even 30 days past due. I don't want to be called anymore all communications should be sent via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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:
This was my follow up with regards to my previous complaint dated XX/XX/XXXX. That time I noticed these items that DO NOT belonged to me, and neither did I initiate an authorization towards who ever have these data that I am listing in complaint and reported through Federal Trade Commission ( FTC ) with reference # XXXX. And I am attaching my FTC Fraud Report in this complaint again for your information source. Please remove the listed items from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX  XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX Balance XXXX {$1300.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$180.00} XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} Original Creditor XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$180.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XX/XX/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 2023-11-29 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: GA

Complaint narrative:
This was my follow up with regards to my previous complaint dated XX/XX/XXXX. That time I noticed these items that DO NOT belonged to me, and neither did I initiate an authorization towards who ever have these data that I am listing in complaint and reported through Federal Trade Commission ( FTC ) with reference # XXXX. And I am attaching my FTC Fraud Report in this complaint again for your information source. Please remove the listed items from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX  XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX Balance XXXX {$1300.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$180.00} XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} Original Creditor XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$180.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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: TX

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 Number:XXXX  Account Name : XXXX  : Account Number:XXXX  Account Name : XXXX  : Account Number:XXXX  Account Name : XXXX  : Account Number:XXXX  Account Name : XXXX  : Account Number:XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX  Account Name : XXXX XXXX XXXX  : Account Number:XXXX Account Name : XXXX XXXX XXXX  : Account Number:XXXX  Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number:XXXX has violated my rights. Or 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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: EQUIFAX, INC.
State: NC

Complaint narrative:
i have sent in professional " METRO 2 COMPLIANCE '' letters to the bureaus to dispute negative/ incorrect accounts and inquiries on my credit profile and they have not sent me any updates nor updated any of accounts as " under dispute '' They are ignoring these letters and are refusing to accept my letters as a form of dispute. According to FCRA I have the right to mail in disputes. They are violating LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: ND

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: HI

Complaint narrative:
I have an agreement with my loan servicer, Nelnet, to pay {$100.00} ( restarting in XXXX of 2023 ) to pay for my two federal student loans. On XXXX, I was charged {$590.00} for " DEPT EDUCATIONSTUDENT LN ''. On XXXX, I was charged {$300.00} for " DEPT EDUCATIONSTUDENT LN ''. On XXXX, I was charged {$590.00} for " DEPT EDUCATIONSTUDENT LN ''. On XXXX, I was charged $ XXXX for " DEPT EDUCATIONSTUDENT LN ''. On XXXX, I was charged {$100.00} for " DEPT EDUCATIONSTUDENT LN '' ( I'm assuming this is the Nelnet charge ). 

I called Nelnet 's customer service line on XXXXXXXX  and was informed by their representative that they show no history of the two ( 2 ) {$590.00} charges and no history of the two ( 2 ) {$300.00} charges ; they only see history for the one ( 1 ) {$100.00} charge. My overall outstanding student loan balance of {$12000.00} has not changed over the past two months even though my bank account was charged {$1700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: NC

Complaint narrative:
i have sent in professional " METRO 2 COMPLIANCE '' letters to the bureaus to dispute negative/ incorrect accounts and inquiries on my credit profile and they have not sent me any updates nor updated any of accounts as " under dispute '' They are ignoring these letters and are refusing to accept my letters as a form of dispute. According to FCRA I have the right to mail in disputes. They are violating 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 2023-11-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I did not open these accounts these accounts do not belong to me. These accounts are fraudulent and should not be on my consumer report by law. 
Capital one XXXX... 
XXXX XXXX  XXXX  XXXX... 
XXXX XXXX  XXXX... 
XXXX  XXXX XXXX  XXXX...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I, the consumer and natural person was denied for an extension of credit by AMERICAN EXPRESS on XX/XX/XXXX  when I applied for a credit card. 

Adverse action against the consumer is UNLAWFUL according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability according to 15 U.S.C 1692k. American Express is subject to criminal liability for violating 15 U.S.C 1691, as I have proof of discrimination due to the response received from you and is enclosed. 
American Express is in violation of 15 U.S.C 1642, U.S.C 1681m, and C.F.R 1002 ( Reg B ) as I, the consumer have a right to credit and applied in good faith but credit was not extended to me. 

Furthermore, the fact that my Social Security Number ( Credit Card/ Account ) was used and I received no benefit, is fraudulent activity committed by AMERICAN EXPRESS as unauthorized use per 15 U.S.C 1602p and constitutes unauthorized use/ Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: NV

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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 2023-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I am reaching out to request your understanding and goodwill in reconsidering the reporting of these late payments to the credit bureaus. I have taken steps to improve my financial situation and ensure that such delays do not occur in the future. I value my relationship with the Creditors, and I am committed to making timely payments moving forward. 

I kindly request that you review my account and, if possible, remove the late payments from my credit report. I believe that this gesture would greatly help in repairing the negative impact on my credit history and allow me to work towards rebuilding my financial standing. 

MERCEDES BENZ FINANCIAL XXXX- I DO NOT HAVE A LEGAL BINDING CONTRACT WITH THIS COMPANY. PLEASE DELETE I appreciate your time and consideration in this matter. I understand the importance of maintaining a positive credit history, and I am committed to working collaboratively with the Creditors to rectify this situation.

Company response to consumer: Closed with explanation