vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-07 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: Nelnet, Inc.
State: FL

Complaint narrative:
Violation of Privacy Act of 1974 & of the XXXX and Privacy Act of 1974. 

XXXX : DEPTEDNELNET Balance {$1000.00} Balance updated XX/XX/XXXX DEPTEDNELNET Balance {$1000.00} Balance updated XX/XX/XXXX DEPTEDNELNET Balance {$2900.00} Balance updated XX/XX/XXXX DEPTEDNELNET Balance {$3900.00} Balance updated XX/XX/XXXX DEPTEDNELNET Balance {$3500.00} Balance updated XX/XX/XXXX DEPTEDNELNET Balance {$6000.00} Balance updated XX/XX/XXXX DEPTEDNELNET Balance {$5500.00} Balance updated ( XXXX XX/XX/XXXX ), DEPTEDNELNET Balance {$7000.00} Balance updated ( XXXX XX/XX/XXXX ), DEPTEDNELNET Balance {$2400.00} Balance updated ( XXXX XX/XX/XXXX ), DEPTEDNELNET Balance {$7000.00} Balance updated ( XXXX XX/XX/XXXX ), DEPTEDNELNET Balance {$1300.00} Balance updated ( XXXX XX/XX/XXXX ), DEPTEDNELNET Balance {$2800.00} Balance updated ( XXXX XX/XX/XXXX ), DEPTEDNELNET Balance {$6700.00} Balance updated ( XXXX XX/XX/XXXX ), DEPTEDNELNET Balance {$2800.00} Balance updated ( XXXX XX/XX/XXXX ), DEPTEDNELNET Balance {$2800.00} ( XXXX XX/XX/XXXX ) XXXX : DEPT OF EDUCATION/NELN Balance {$2900.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/NELN Balance {$6800.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/NELN Balance {$3500.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/NELN Balance {$1000.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/NELN Balance {$5500.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/NELN Balance {$2400.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/NELN Balance {$6000.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/NELN Balance {$2800.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/NELN Balance {$2800.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/NELN Balance {$1300.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/NELN Balance {$7000.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/NELN Balance {$2800.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/NELN Balance {$1000.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/NELN Balance {$7100.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/NELN Balance {$3900.00} Balance updated XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: NJ

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2024-02-07 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: NJ

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2024-02-07 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: CA

Complaint narrative:
I have been a victim of identity theft, my information has been compromised in the Equifax data breach along with a few others. I have reach out to this company multiple times in attempt to get this account removed. I have submitted an FTC report multiple times and still have not seen a change. I need this account that was not authorized and that does not belong to me to be removed as it is impacting my credit worthiness, and my chances of obtaining a mortgage

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 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: FactorTrust, Inc.
State: NY

Complaint narrative:
I've observed numerous deviations from mandatory reporting standards, leading me to question the accuracy and completeness of the data in my credit report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information on my credit report.

Pursuant to 15 U.S.C 1681e, consumer reporting agencies are obligated to employ reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, as outlined in 12 CFR Part 1022 ( Regulation V ), furnishers are required to provide information that is both integral and accurate, conduct reasonable investigations of consumer disputes, and adhere to XXXX XXXX compliance standards, according to the CRRG.

Deviation from these standards, as emphasized in the CRRG, jeopardizes the integrity of the data, thereby compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to challenge these inaccuracies and non-compliant items. Disregarding my demand would signify a lack of concern for my consumer rights. 

It is unjust for you to report information that hasn't been verified for ethical standards and certified reporting compliance. I reiterate my challenge to these claims and request evidence of adherence to proper reporting standards. 

Your actions infringe upon my rights, and I've outlined these concerns in this document. The incomplete and non-compliant nature of your reporting fails to meet my standards in accordance with the law. I insist that you certify all aspects of required FCRA/XXXX  XXXX compliance truthfully, correctly, and in a timely manner. Failure to do so may compel me to escalate these matters to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my Attorney General. 

XXXX XXXXXXXX Collection {$430.00} XXXX XXXXOriginal Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Collection {$430.00} XXXX XXXX XXXX | XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, section 602a underscores the necessity for consumer reporting agencies to carry out their significant duties with fairness, impartiality, and a regard for the consumer 's entitlement to privacy. Equifax and XXXX, recognized as consumer reporting agencies, interface directly with consumers like me. I, as the consumer, possess the fundamental right to safeguard my private information from unwarranted sharing, as substantiated by 15 USC 6801, which underscores Congress 's stance that each financial institution bears an ongoing obligation to uphold the privacy of its clientele and safeguard the confidentiality of their nonpublic personal data. 
Entities furnishing information to credit agencies are categorized as financial institutions under the aforementioned statute. Pertinently, 15 USC 1681, section 604a, subsection 2 outlines that consumer reporting agencies may solely furnish consumer reports in adherence to the explicit written directives of the concerned consumer. Both the financial institution, as the provider of information to credit agencies, and the consumer reporting agencies such as Equifax and XXXX, and XXXX, do not possess my authorization to furnish this information, nor do they have my explicit written consent. Therefore, any consent previously extended to Equifax, XXXX, XXXX, or other entities acting as furnishers of information to credit agencies, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 
Moreover, 15 USC 6802 ( b ) ( c ) dictates that a financial institution must not disclose nonpublic personal information to nonaffiliated third parties unless the consumer is provided with a clear explanation of how they can exercise their right to non-disclosure. Regrettably, the financial institution in question failed to inform me of my right to exercise this option. Additionally, as per 15 USC 1681C ( a ) ( 5 ), no consumer reporting agency may include certain adverse items of information in a consumer report without proper authorization, a provision this account infringes upon. 
Under 15 U.S. Code 1681s2 ( A ) ( 1 ), entities are prohibited from furnishing inaccurate information to consumer reporting agencies, yet Equifax and XXXX  continue to do so. Furthermore, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to prevent violations of section 1681c and restrict the furnishing of consumer reports to the purposes specified under section 1681b, a requirement which Equifax and XXXX seem to neglect. 
Additionally, as outlined in 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any given time. Hence, I am formally exercising my right to opt out of your reporting services for XXXX  XXXX XXXX XXXX XXXX XXXX XXXXk, effective immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I ordered from XXXX  a watch. Than they send me the item from XXXX they claimed they delivered it to me on XX/XX/XXXX and i did not receive the item. I filled a report with XXXX company originally didn't know i was supposed to call XXXX  which i didn't know. i thought my credit card company was supposed to take care of all the claim with XXXX  and than the police but they didn't do anything my credit card company which is AMEX CREDIT CARD company and they kept me waiting and didn't do anything at all i thought they were supposed to do full investigation. on XX/XX/XXXX i called XXXX i said to XXXX  IF they can send me something that says they were supposed to check my id before handing the product over i received something from XXXX  that shows that XXXX  company was supposed to check id and than have me personally signed and they don't have that they only have a paper says they delivered to a residence doesn't say address or any7thing i needed full investigation from XXXX  to help me they didn't help me, they said i passed the 30 days and didn't file a claim with them but i filled with XXXX and AmEx card company and no one helped me. No one is helping me investigate this matter and get my money back i am so disappointed in XXXX  for not helping me. and investigate this matter for me i filled it on time i just didn't know i was supposed to file it with cartier.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
My XXXX XXXX XXXX was included in a theft & was wrecked and totaled out. My insurance company, XXXX XXXX, paid out a check dated XX/XX/XXXX in the amount of {$6400.00} to XXXX XXXX XXXX Bank to fulfill the remaining balance of my auto loan. XXXX reported my car loan as having not only a late payment but also the account is still open today XX/XX/XXXX almost a month later! To make matters worse when trying to apply for a new auto loan I was denied and told the reasoning was 1 ) I have an open account & 2 ) my car loan is showing my car as a repossession which literally is not true. 

I spoke to a XXXX customer service agent and was told that they would back date the payment to the check date ( XX/XX/XXXX ) and any discrepancies would fall off. I filed a dispute with Experian to report the account as closed and the results deemed the account as accurate. Not only do I have the receipt from where my insurance sent out the payment on the XXXX of XXXX, but also when I log into my XXXX auto account its showing the account as closed. So Im not sure why after investigation Experian is saying the account being open is accurate. 

I have had to fork out over {$1000.00} in rental fees because of this problem and me not being able to open a new auto loan because of this. This is unfair!!

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 2024-02-07 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: CO

Complaint narrative:
Per the FCRA as a federally protected consumer, I am now opting out of all authorization. I the consumer may have given you written, unwritten, verbal, and non-verbal. I am now rescinding that authorization per 15 USC 6802 effective immediately and indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXXXXXX

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 2024-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: MO

Complaint narrative:
I have no knowledge of this account and I believe it is a result of identity theft. I have never received any notice or communication from ZIONS DEBT HOLDINGS or the original creditor regarding this debt. I have also checked my credit reports from XXXX and XXXX, and they do not show this account. I have placed a fraud alert on my credit files. Please delete this account from my credit report as soon as possible, as it is damaging my credit score and affecting my ability to obtain credit.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to express my dissatisfaction and frustration regarding the multiple attempts I have made to correct an issue with the late opening of my account. I believe it is essential to bring this matter to your attention in the hope of resolving it promptly. 

I opened an account with your institution, and unfortunately, I have encountered ongoing difficulties due to a delay in the activation or processing of my account. Despite my repeated attempts to rectify this matter through various channels, the issue persists, and it has caused considerable inconvenience. 

I understand that technical glitches or administrative errors can occur, but the lack of timely and effective resolution is unacceptable. I have attached copies of relevant documents, including account opening forms and any communication received, for your reference. 

I request the following actions be taken promptly to address this matter : Immediate activation and proper processing of my account. 
A thorough investigation into the root cause of the delay to prevent similar issues in the future. 
Compensation for any inconvenience caused, including reimbursement for any fees incurred due to the delay. 
I expect this issue to be resolved within the exact timeframe from the date of this letter. If the matter is not resolved satisfactorily within this time frame, I may be compelled to escalate the complaint to relevant banking authorities and consumer protection agencies. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX Balance : {$4200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: VA

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2024-02-07 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: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
Per the FCRA as a federally protected consumer, I am now opting out of all authorization with Nordstrom. I the consumer may have given you written, unwritten, verbal, and non-verbal. I am now rescinding that authorization per 15 USC 6802 effective immediately and indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: GA

Complaint narrative:
Re : Dispute Regarding XXXX - Violation of Privacy Rights and FCRA Dear Consumer Financial Protection Bureau, I am writing to file a formal dispute against XXXX for violations of privacy rights, specifically concerning the protection of nonpublic personal information, as outlined in 15 U.S. Code 6801XXXX has failed to adhere to the privacy obligations policy set forth by Congress. Also Disputing The Procedures used to protect my information. 
I recently engaged with XXXX as a customer, and I am concerned about the mishandling of my nonpublic personal information. XXXX has not provided any opt-out disclosure, nor have they offered reasonable means to protect my private information, thereby infringing upon my privacy rights. I have observed a lack of transparency and adherence to the disclosure obligations specified in 15 U.S. Code 6802. XXXX has not provided clear and comprehensive disclosures regarding the use and sharing of my personal information, violating the explicit obligations set forth in the statute. 
Additionally, XXXX 's failure to furnish any opt-out disclosure or provide reasonable means to safeguard my private information raises significant concerns about their compliance with the privacy obligations policy and the overall protection of consumer information. 

Furthermore, I assert that XXXX 's actions are in violation of the Fair Credit Reporting Act ( FCRA ), and I request a thorough investigation into the matter. The lack of compliance with FCRA provisions raises serious concerns about how my consumer information is being handled by XXXX. 
Exhibits : ( XXXX XXXX. : XXXX, XXXX XXXX. : XXXX, XXXX XXXX. : XXXX ) Copy of relevant communications with XXXX. 
Any written agreements or disclosures provided by XXXX. 
Documentation proving the absence of opt-out disclosure or protection measures. 
I kindly request the Consumer Financial Protection Bureau to investigate this matter promptly and take appropriate actions to ensure the protection of consumer privacy rights By Deletion of the Trade Line from the Credit Files Listed XXXX XXXX, XXXX XXXX, & Equifax ). I appreciate your attention to this serious issue. I will explore legal Actions They have the Tradeline Furnished with XXXX, XXXX XXXX and Equifax I Direct the Consumer financial protection bureau to Remove the Tradeline Third and Final Notice

Company response to consumer: Closed with non-monetary relief