vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-25 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:
These are the list of hard inquiries on my credit report I'm not aware of : XXXX. XXXX XXXX inquiry date XX/XX/2023 XXXX XXXX XXXX inquiry date XX/XX/2023 XXXX XXXX XXXX XXXX XXXX inquiry date XX/XX/2023 XXXX. XXXX XXXX inquiry date XX/XX/2023 XXXX. XXXX XXXX  inquiry date XX/XX/2023 XXXX. XXXX XXXX inquiry date XXXX. XXXX, XX/XX/XXXXXXXX inquiry date XX/XX/2023 XXXX. XXXX XXXXXXXX XXXX inquiry date XX/XX/2023 XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 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 2023-09-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
This account is not mine. This account does not have my signature

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 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: 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. 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. 
The following is the list : 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

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 2023-09-25 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: Atlanticus Services Corporation
State: PA

Complaint narrative:
I mailed a dispute to all three Credit Bureaus regarding late payments to ASPIRE Credit Card on XX/XX/2023 they received on XX/XX/2023. The date is currently XX/XX/2023 and there is still no Notice of Dispute on my XXXX or XXXX Report. XXXX posted a Notice of dispute 60 days past disputed time frame ( 5 days after investigation ) that is required by FCRA section 623. I have never received notice 5 days after their decision which also falls under FCRA section 623. That is fine of {$1.00} per occurence. Please have them remove from my credit report and fine them for blatantly disregarding the FCRA laws. Thank You 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 2023-09-24 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
" I recently discovered several hard inquiries on my credit report that I did not authorize. Upon further investigation, I found out that these inquiries were made by SYNCHRONY FINANCIAL. I have never had any dealings with this company, nor have I given them permission to access my credit report. 

I suspect that my personal information was obtained fraudulently. A few weeks ago, I received an email that appeared to be from a company I frequently do business with. The email claimed there was a security breach and asked me to confirm my personal information. I now realize this was a phishing scam. 

I am deeply concerned about the impact of these unauthorized inquiries on my credit score and the potential for further fraudulent activity. I request that SYNCHRONY FINANCIAL immediately remove these hard inquiries from my credit report and take steps to ensure this does not happen again. I also urge them to investigate how they obtained my personal information and to take appropriate action against any fraudulent activities. 

I would appreciate your assistance in resolving this matter and protecting my personal and financial 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 2023-09-25 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: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : 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 2023-09-24 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: DISCOVER BANK
State: CA

Complaint narrative:
I called Discover Credit Card to Cancel and Close My Late Husband Discover Credit Card # XXXX XXXX XXXX XXXX and instead of Discover sending a letter to Estate of XXXX XXXX Discover Credit Card Delete my Late Husband Name on Discover Credit Card Statement and Just put my name on it. I was told by Discover Credit Card representative that is now my responsibility to pay the Credit Card bill. I was Never a Co signer on the Credit card and Only Authorize User and I have intention of Paying the Balance. Discover Credit card Company Did Illegal approach my just Deleting my Late Husband Name.The Legal way to Approach is By Sending a Letter and Address to Estate of XXXX XXXX not by just continuing the interest rate and put on Name and Also Discover report it on my Credit Report. on a Legal way Discover shouldn't Continuosly Charge the Discover Account since i reported the Death of my Late Husband.Letter to Estate of XXXX XXXX should us me how would i like to settle the Balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 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: LA

Complaint narrative:
I have information on my credit report that doesn't belong to me. My wallet got stolen with all my information in it. I also made an FTC report for the accounts and a police report. 

XXXX reported XXXXXXXX XXXX XXXX {$360.00} XX/XX/XXXX XXXX XXXX  XXXX {$22.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$800.00} XX/XX/XXXX XXXX  XXXX XXXX {$580.00} XX/XX/XXXX XXXX XXXX {$150.00} XX/XX/XXXX XXXX XXXX {$160.00} XX/XX/XXXX TransUnion Report XXXX XXXXXXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$490.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$580.00} XX/XX/XXXX XXXX XXXX {$150.00} XX/XX/XXXX XXXX XXXX {$160.00} 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 2023-09-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: CO

Complaint narrative:
I have tried multiple times to contact anyone working at Nelnet. The website is awful with multiple pages broken and direct people to customer service. However, when calling customer service nobody answers the phone even after being on hold for almost two hours! This is a terrible, terrible company. Please go read the hundreds of complaints and stories just like this on thier XXXX XXXX. How am I suppose to make my payments in XXXX when I can't even reach anyone at Nelnet?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ZWICKER & ASSOCIATES
State: IN

Complaint narrative:
I was taken to court by this company while I was out of the country at the time and was unable to appear in court to respond to the court date. Over the summer, I had unforeseen circumstances and fell behind on the payments that were forced upon me as a result of my not being able to appear in court. This has caused me emotional distress, and I am requesting that the remainder of this debt be removed because the initial judgment was unfair in the first place. Since I didn't have the opportunity to defend myself in the initial judgment, They are engaging in unlawful practices of intimidation and abuse in their collection activities. It is wrong and unjust. There are laws that strictly forbid this type of behavior. They also called last Friday at XXXX XXXX  regarding my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Letter to Credit Bureau Dispute information in Credit Report File Date 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 Dear ( XXXX XXXX, This letter is to serve as a formal dispute regarding inaccurate information contained within my credit report file with your agency. 

I have identified herein the items that I am disputing : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX The items I dispute are also circled on the attached copy of the credit report file I received. This is ( INACCURATE OR INCOMPLETE ) because I never had an apartment at XXXX apartments in my life, therefore this was fraudulently opened. 

I am requesting that the items be deleted ( OR REQUEST A SPECIFIC CHANGE ) to correct the information contained within my credit report file. 


Please investigate this matter and ( DELETE OR CORRECT ) the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 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: OH

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to I provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 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 The following inquiries are unauthorized : 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

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 2023-09-24 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to I provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 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 The following inquiries are unauthorized : 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

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 2023-09-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: VA

Complaint narrative:
I have no knowledge of this debt. I have never had an account with the company and I only found out about it because it showed up on my credit report as a collection.

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 2023-09-25 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: DISCOVER BANK
State: SC

Complaint narrative:
I, XXXX XXXX am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 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: FL

Complaint narrative:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX and XXXX XXXX XXXX were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
Kindly update or correct these reporting accounts as soon as possible. If you don't comply with the request, the accounts should be repaired right away.

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 2023-09-24 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: MS

Complaint narrative:
This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. with accounts 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 Equifax XXXX XXXX XXXX XXXX XXXX Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Peer Advisors, LLC
State: MA

Complaint narrative:
***AUCTION SCHEDULED XXXX I am having serious issues surrounding my rights after the death of a borrower with my fathers reverse mortgage. I, XXXX XXXX am the trustee, estate representative. XX/XX/XXXX I notified XXXX XXXX XXXX XXXX of my dads passing. I was informed of the death of a borrower process. I was informed I was allowed up to 12 months to satisfy debt and the extension process was explained. Page 18 in Know your rights. I uploaded the required documents. The property is currently ( XXXX ) under a water damage claim/repair that affected half of the 1st floor kitchen and the 2nd floor bathroom plumbing. This process is being monitored by the reverse mortgage servicer. This particular foreclosure should have ended with the death of the borrower, but at this point all I am trying to do was get an extension until the monitored repairs are complete and the sale can continue with an appropriate appraisal. In XX/XX/XXXX I started getting Foreclosure letters from XXXX XXXX, NO COMMUNICATION from my servicer/lender. *** I spoke with XXXX XXXX with XXXX XXXX as advised by XXXX XXXX XXXX to get assistance. The firm representing the reverse mortgage lender asked me when the last time I made a mortgage payment was? I asked if the lender or HUD was given my death of borrower extension requests, he responded by telling me there is no extension process?!?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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:
Personal Information Update Experian XXXX XXXX XXXX XXXX Texas XXXX Experian ; I just looked at my credit report and was shocked to the amounts of errors you have listed. I am writing to have them immediately removed. 

The following account has been paid in full via negotiable instrument received by the company. 
The following account needs to be reported as paid in full or removed immediately : XXXX XXXX XXXX XXXX  Reason : Please verify and validate ALL data for this account, every notion, dates and balances, whether reported or not The following account has been paid in full via negotiable instrument received by the company. 
The following account needs to be reported as paid in full or removed immediately : XXXX XXXX XXXX XXXX XXXX Reason : Please verify and validate ALL data for this account, every notion, dates and balances, whether reported or not The following inquiries were made without my knowledge or consent and I would like to be provided proof that I consented to these inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, I would like them all removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CLOSED ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX I understand that each of these violations are {$1000.00} per each error and account per 15 USC 1681n ( a ) ( 1 ). I will be attaching a bill of particulars for your convenience.

As the consumer I need this resolved immediately. See 15 USC 1681a ( 2 ) ( b ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

By provisions of the Fair Credit Reporting Act, I DEMAND that these items be removed from my credit report. It is my understanding that you will recheck these items with the creditor who posted them. Please send an updated copy of my report to the above address. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
All the Credit bureaus contacted me after a hard inquiry was pulled by JPMorgan Credit Card services. I already have an identity theft block on my social security number and still someone was able to apply for a credit card without my consent. My credit dropped XXXX points because of this inquiry

Company response to consumer: Closed with non-monetary relief