vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-12 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:
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 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 XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. 
States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2023-11-12 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:
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 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 XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. 
States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 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: NY

Complaint narrative:
I have been a victim of identity theft. The information being reported is not in any relation to any transaction conducted by myself.

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 2023-11-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Amsher Collection Services, Inc.
State: MS

Complaint narrative:
I dont know the date when l received a call stating l owe on a XXXX product l havent had no account with this company before

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 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: IN

Complaint narrative:
So, reading the article just now is telling me nelnet is not under the Department of Education? For years, I have been doing income driven repayment plans. I applied to the Department of Education website .This whole time, I believed they were the department of education. In fact, I reapplied on XX/XX/XXXX, and it has been pending since. They wont answer the phone or emails. Now they are reporting to the credit bureau Im over 90 days late and running around trying to figure out how that is when repayment started on XX/XX/XXXX. Never once until now have I been late, nor has anything been reported. It even says loans that strat with e which mne does repayment starts XX/XX/XXXX. I would never have taken out a loan from a bank or whoever ever nelnet is, and my loan didn't even begin with nelnet it was 25 years ago and was a different name. I always believed the reason it couldn't be added to a bankruptcy is because it was the department of education. BTW it says I owe for 1 month almost XXXX. I don't even make that much a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
Im receiving mutiplty callsXX/XX/XXXX-XX/XX/XXXX throughout the week daily One Main Financial regarding a personal loan that I have missed payments on regarding financial hardships that their away of is harassment at this point.Please close account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 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:
On XX/XX/XXXX I received a credit alert that an account was opened in my name by a company name XXXX . I called the company and was advised by an agent the company I originally had since XXXX ( who I did apply for ) was closing and the new company name is XXXX. Ive been giving credit limit to off set the closing account XXXX. I told the agent NO thats illegal. I didnt apply for the new card and dont want it. I did inform her the only reason why I kept XXXX open was because it was my longest account on my credit. I never received a letter nor email to opt out of their offer. When I called and threaten to sue them they closed the account. I disputed the account with Experian in the attempt to remove the account from my profile. I requested for Experian to provide me with the credit application and source in which I applied for this account because the company cant published the information. Closing the account will not settle this issue. I want the account removed from my consumer report. XXXX validated my rights by opening a credit card without a application and authorization from me. Experian has failed to verify this account by publishing the credit application or date in which I applied for credit. I have attempted twice to remove this account with Experian and the company.

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 2023-11-12 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: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry 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 explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
i sent document and proof of my address far as my driver license to support my claim with my correct address and asked them to removed all address from my report is not accurate and removed all account shown closed is not mind on my report ..and with a balance .several time i contact the creditor and the bureau with this situation and asking them to investigation into this matter and sent letter and proof to support my claim they still reporting in accurate information my report, violation of the law..CONGRESS PASSED THE FCRA LAWS WHICH ALLOW YOU TO REMOVE YOUR NEGATIVE ITEM FROM YOUR REPORT USING MY 609 LETTERS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 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: NY

Complaint narrative:
I have been a victim of identity theft. The information being reported is not in any relation to any transaction conducted by myself.

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 2023-11-12 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: NY

Complaint narrative:
I have been a victim of identity theft. The information being reported is not in any relation to any transaction conducted by myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Citi bank closed all of my associated accounts with them ( CITI and Macys ) yet CONTINUES to send me promotional mail asking me to open a loan or new credit card with them - I do not wish to receive any further mail from citi bank regarding opening new accounts since they refuse to open my old accounts.

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 2023-11-12 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: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Paypal sent me a bill for a credit balance that I owe? They sent me a credit for {$10.00} and then turned around and charged me a late fee ( {$12.00} ) for not paying the {$10.00} payment which was more than the original debt. I don't understand how I got the debt in the first place? Paypal has always been paid from my bank account for the monthly charges, i.e. XXXX, etc. You can't make sense out of the debt because you can't be connected to a representative. It's just like a rat maze. I am frustrated beyond belief. Please help me!

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 2023-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one knowingly is holding my payments hostage for 6 days. When I called they verified they had my payment but refused to release the hold on my available credit for 6 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
The letter that was attached in the last complaint... does not have an proper address and that's why I haven't received any notice from this company and whatever they said they are sending because the address they enclosed is wrong .... that's not my address.. the company XXXX 's closed down years ago i never opened an account with them.. I have my police report FTC report..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
Secured Credit Card bank name : XXXX XXXX XXXX XXXX ORIGINAL STARTING BALANCE ( INCORRECT/NOT POSSIBLE - READ MESSAGE BELOW ) {$22.00} THIS DROPPED MY XXXX CREDIT REPORT BY ALMOST XXXX POINTS SECOND BALANCE REPORTED ( INCORRECT/NOT POSSIBLE ) {$170.00} THIS DROPPED MY XXXX CREDIT REPORT AGAIN BY ALMOST XXXX POINTS THESE TWO BALANCES WERE REPORTED TO XXXX  BY XXXX XXXX  AND XXXX XXXX XXXX WITHIN LESS THAN 2 WEEKS APART CAUSING SEVERE DAMAGES TO MY CREDIT SCORE NOT ONLY ARE THEY REPORTING THESE FALSE BALANCES TO XXXX, THEY'RE ALSO REPORTING IT TO XXXX AND EXPERIAN HERE IS A MESSAGE I SENT XXXX XXXX  VIA LIVE CHAT : I'm having serious issues with the credit card builder and it's reporting practices to credit bureaus. XXXX has been making errors in its reports claiming that I have a balance on my account, which is impossible since I have safe credit building on and with that any balance every month is automatically taken out of my XXXX account. This issue has caused my credit score to drop over XXXX points in two weeks. I am very pissed off, unhappy. This is totally unprofessional and reckless and my credit information is being manipulated and XXXX is making false reports and amounts which is illegal under the Fair Credit Reporting Act. This needs to be addressed as soon as possible by the escalation team. If it isn't I'm going to report this information to XXXX reviews, XXXX reviews, XXXXXXXX XXXX app reviews, going to make a complaint to XXXX and going to contact the agency that handles the FCRA. You are causing me damages by destroying and lowering my credit score with false reports and information. WHAT THEY ARE REPORTING AND THIS FALSE INFORMATION IS ILLEGAL AND IS CAUSING ME PERSONAL LOSSES AND DAMAGES

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 2023-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
Hello, I would like to file a complaint and protest the banks chime decision on my complaint. On XX/XX/XXXX, I made a holding deposit when submitting an application, but on XX/XX/XXXX, I canceled the submission and the money for the application returned to my account, but the holding deposit did not return. When contacting a representative of the apartments, I was told that the transaction had already been canceled, and it didn't even go into their account, but remained in the bank, and if I don't get my money back, then I need to contact the bank. On XX/XX/XXXX, I created a dispute with the bank and the deposit amount was returned to my account. But today I received a letter from the bank, with the information that my dispute would be rejected and the funds would be debited from my account. Please look into the situation and give it an assessment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
In XX/XX/2023 I received an alert on my credit report of being past due 30 days with Chase auto finance for my XXXX lease payment. They told me my auto payment setting that have been in place for years were turned off. I was not notified of this by any of the contact information I provided to them. I asked Chase for evidence that they had told me my auto payment information had been deleted by them and they could not provide it. They said they have a call record but I did not talk to them on the phone. When asked for the recording or a transcript of the recording they refused. When I asked for proof of delivery of postal mail to me they refused. They would not provide me is any evidence I was told they turned off my payment settings so I did not discover late payment until it had already happened. I asked them to correct this and they said it's against the law to correct past reports. The refused to provide any explanation or evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
i sent document and proof of my address far as my driver license to support my claim with my correct address and asked them to removed all address from my report is not accurate and removed all account shown closed is not mind on my report ..and with a balance .several time i contact the creditor and the bureau with this situation and asking them to investigation into this matter and sent letter and proof to support my claim they still reporting in accurate information my report, violation of the law..CONGRESS PASSED THE FCRA LAWS WHICH ALLOW YOU TO REMOVE YOUR NEGATIVE ITEM FROM YOUR REPORT USING MY 609 LETTERS

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 2023-11-12 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: TN

Complaint narrative:
i sent document and proof of my address far as my driver license to support my claim with my correct address and asked them to removed all address from my report is not accurate and removed all account shown closed is not mind on my report ..and with a balance .several time i contact the creditor and the bureau with this situation and asking them to investigation into this matter and sent letter and proof to support my claim they still reporting in accurate information my report, violation of the law..CONGRESS PASSED THE FCRA LAWS WHICH ALLOW YOU TO REMOVE YOUR NEGATIVE ITEM FROM YOUR REPORT USING MY 609 LETTERS

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 2023-11-12 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: CA

Complaint narrative:
Transunion is not removing the fraudulent accounts on my credit report XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX And other 19 accounts 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 2023-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I have previously made a request for validation and your response, or lack of response does not comply with its closure requirements set forth by the Fair Debt Collection Practice Act. You have not provided me with any evidence to establish that I owe you any money. Therefore, your failure to respond in a timely manner is counted as an admission that you are unable to support your claim. I owe you nothing. I now have evidence that you are creating a frivolous lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 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: ALLY FINANCIAL INC.
State: RI

Complaint narrative:
Ally Financial - XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX A car dealership kept running my credit for vehicles I did not want or authorize my credit to be ran on. I got denied for the car I wanted and they kept running it for similar ones without my knowledge. I tried to call and complain to the dealership and they did nothing. I texted and called the finance manager and they did not respond or return my calls. I was taken advantage of and want these removed from my credit.

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 2023-11-12 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: CA

Complaint narrative:
XXXX is not removing the fraudulent accounts on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And other 19 accounts XXXX XXXX

Company response to consumer: Closed with non-monetary relief