vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Global Lending Services LLC
State: MS

Complaint narrative:
I co-signed on an auto loan with my ex-husband. He failed to make the payments on the vehicle which resulted in charge-off and repossession of the vehicle. I received a XXXX cancellation of debt which was to be filed with the IRS, on top of the company repossessing the vehicle. However, this account is still reporting as a charge off with a balance owed on my credit report. I have disputed this with the credit bureaus on numerous occasions. I have also contacted the company requesting proof of balance owed, repossession, and whether the vehicle has been sold and the amount that it was sold for since according to the FRCA, the consumer does have a right to this information. When I contact the company, no one seems to know what I am talking about and I have not received any proof of the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX {$15000.00} The above account is not mines. I have asked the credit bureau to remove this account over 5 times. I have no knowledge of this account. FRCA states everything reporting should be 100 % accurate and true. Please remove this account from my report. THIS IS NOT MINES

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: FL

Complaint narrative:
I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you review the documents? Several listed accounts have incorrect reporting, amounts, and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not do any business with these companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not do any business with these companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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. Block and remove it. 
XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>XXXX XXXX  Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXXXXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/year> & XXXX XXXX XXXX Date of Inquiry XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: FL

Complaint narrative:
It seems FCRA 605B obligates us to delete any incorrect accounts from my credit report. Can you please examine the documents? Some accounts have inaccuracies in their reporting, amounts, and dates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
I modified my mortgage through my bankruptcy, which began in XXXX and was complete XX/XX/XXXX. My husband was part of the modification, but he wasnt on the original mortgage- I am the primary mortgage XXXX and hes the second party. Im not sure of the actual naming convention. Carrington is reporting the mortgage twice on my credit report and only once on his credit report my credit report shows my primary mortgage and then it shows the mortgage duplicated showing him as a signer and me as the primary mortgage resulting in my real estate debt totaling XXXX when its XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: IL

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents 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 2024-06-04 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: IL

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents 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 2024-06-04 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: OH

Complaint narrative:
I attended XXXXXXXX XXXX from XXXX through XXXX, and borrowed these student loans below : XXXXXXXX XXXX XXXXF BY CLAIM {$3500.00} - XX/XX/XXXX XXXX XXXX XXXX XXXXF BY CLAIM {$6000.00} - XX/XX/XXXX XXXX XXXX XXXX XXXX BY CLAIM {$5500.00} - XX/XX/XXXX XXXX XXXX XXXX XXXX BY CLAIM {$7000.00} - XX/XX/XXXX XXXX XXXX XXXX XXXXF BY CLAIM {$7000.00} - XX/XX/XXXX XXXX XXXX XXXX XXXX BY CLAIM {$5500.00} - XX/XX/XXXX XXXX XXXX XXXX XXXX BY CLAIM {$680.00} - XX/XX/XXXX XXXX XXXX XXXX XXXX BY CLAIM {$870.00} - XX/XX/XXXX XXXX TOTAL LOANS borrowed for XXXX XXXX = {$36000.00}, which were supposedly paid in full by Borrowers Defense Claim. 

On XX/XX/XXXX, these loans were consolidated with added interest and transferred from XXXX to NelNet ( see LC application attached ) The consolidated loans totaled {$39000.00} + {$590.00} interest = {$40000.00} ( This should be the amount discharged through the Borrowers Defense application that was submitted on XX/XX/XXXX. But instead, they are showing that the above loans were discharged and that I still owe the consolidated amounts below, which add up to the {$40000.00} plus interest. THESE ARE THE SAME LOANS, JUST CONSOLIDATED! THEREFORE, THE ONES BELOW SHOULD ALSO BE XXXX THROUGH the closed school discharge or XXXX XXXX. 

XXXX XXXX REPAYMENT {$15000.00} {$18000.00} 5.88 % ( FIXED ) consolidated on XX/XX/XXXX XXXX which should be XXXX through BD. 
XXXX XXXX REPAYMENT {$24000.00} {$29000.00} 5.88 % ( FIXED ) consolidated on XX/XX/XXXX XXXX which should be XXXX through BD. 

The only loan I should be responsible after the BD discharge is the parent plus loan shown below in the amount of {$6000.00} from Ohio University that I took out for my son. 
XXXX XXXX REPAYMENT {$5000.00} ( {$6000.00} ) 7.21 % ( FIXED ) XX/XX/XXXX XXXX I have written many letters to NelNet XXXX Department of Education XXXX PPSL XXXX and many more trying to get this cleared up, because according to NelNet XXXX they are saying that I still owe over {$55000.00}, which is more than I even borrowed in the first place. If all of the XXXX Loans were XXXX as they claim, I should not still have a balance of over {$55000.00}. I am also due a refund of the monies that have been paid on these loans that were supposed to be XXXX. 

I know that I am not the only XXXX dealing with this situation and it was recommended that I contact CFPB to submit a complaint against NelNet and the Department of Education, who due to to the XXXX XXXXXXXX XXXX lawsuit, which is part of my Borrowers Defense application, have neglected to fulfil their obligations in this lawsuit. 

Any help would be appreciated! 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to 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 explanation
Consumer complaint received 2024-06-04 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 was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was issued a check on XX/XX/2024 by XXXX XXXX XXXX as a part of closing on a home. My credit card balance with Bank of America was added on to closing costs, and I was reimbursed with a check that would pay off the balance. The check was made out to " Bank of America '' for {$220.00}. I mailed the check to the bank on XX/XX/XXXX from my local post office but it was stolen in transit ( confirmed by both the bank and the XXXX ). The check was cashed at a Bank of America XXXX under someone else 's name on XX/XX/XXXX. I have reached out to Bank of America several times as well as XXXX XXXX XXXX and their bank, XXXX XXXX. Bank of America claims that XXXX XXXX is responsible for this and XXXX XXXX claims that Bank of America is responsible for this. I can not seem to get a resolution from either side. I also have all of the banking information from the fraudulent bank account ( which is a Bank of America account ) that is endorsed on the back of the digital copy of the check. Bank of America will not look up the bank account because of privacy concerns. I have filed multiple complaints and reports with the XXXX XXXX and the bank.

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 2024-06-04 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
In my FTC Identity Theft Report, I would like to address the hard inquiries on my credit report. These inquiries were not authorized by me and are negatively impacting my credit score. I am requesting that these inquiries be removed promptly to restore my credit to its accurate state. Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
TD Bank XXXX XXXX is inaccurately reporting my payment status, and worst payment status as included in Bankruptcy. The remarks state Bankruptcy XXXX XXXX, Bankruptcy completed/Closed by XXXX XXXX XXXX I have repeatedly been filing disputes with the credit bureaus and filed proof. XXXX is reporting they are unable to use my documentation, even though it is from XXXX XXXX XXXXXXXX, and lists the scheduled Creditors - proof XXXX was not involved. XXXX is requesting I pay out legal fees to get the XXXXXXXX XXXX XXXX to provide me with documentation Target was not included. The document I provided is legal proof. Additionally, I made a payment to XXXX XX/XX/XXXX ( out of my account ), how would that be possible if they were included in a bankruptcy. When in a XXXX XXXXXXXX payments come from the XXXX not consumer. The Bankruptcy was completed XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
I am writing to formally notify you of several violations of my rights under the Fair Credit Reporting Act ( FCRA ) and related statutes, and to request the immediate correction of these issues.

Violation of Privacy Rights ( 15 USC 1681 Section 602 ) : Under Section 602 of the FCRA, I am entitled to privacy and protection against unwarranted disclosures of my personal information. The reporting of erroneous information on my credit report constitutes a violation of my right to privacy.

Unauthorized Account Reporting ( 15 USC 1681 Section 604 ( a ) ( 2 ) ) : Section 604 ( a ) ( 2 ) of the FCRA specifies that a consumer reporting agency may not furnish a consumer report without the written instructions of the consumer. The inclusion of the following account on my credit report was done without my authorization : Creditors Name : [ Creditors Name ] Account Number : [ Account Number ] Prohibited Treatment of Payments ( 15 USC 1666B ) : Section 1666B of the Truth in Lending Act ( 15 USC 1601 et seq. ) stipulates that a creditor may not treat a payment on a credit account under an open-end plan as late if it was received within the creditors disclosed grace period. The reporting of a late payment on the following account is in violation of this provision : Carrington mortgage Given these violations, I request the following actions be taken immediately : 1. Remove the erroneous and unauthorized account information from my credit report.

2. Correct the reporting of any payments improperly marked as late.

3. Provide written confirmation that these corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: 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.

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 2024-06-04 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:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint personally to address an issue regarding late payments on my credit record. Upon reviewing my records, I discovered these late payments. Despite sending letters concerning this matter over 30 days ago, I have yet to receive a response, and satisfactory validation has not been provided. I kindly request your assistance in resolving this matter promptly and efficiently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 a account without my written instructions.

15 U.S.C 1692b acquisition of location information by debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have ensured this account 's payments are always timely and never overdue. I am unsure about the reasons for the late payment remarks on my accounts. As stated in 15 USC 1666b, billing errors should be rectified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Ive had this XXXX XXXX account on my credit report as 60 day late payment then I disputed it then they updated it to 30 day late payment..in actuality it should never be on my credit file because its an errored account..I have a at fault letter from the dealership adventure XXXX XXXX stating that they were late on the payment not me..Ive had this problem on my credit history for 6 years and its effected my credit profile and score tremendously and its not fair and its illegal

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