vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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 am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I got money deposited in my Wells Fargo account and it will always be a fee taken out when I asked about it they wasnt clear on why I had all these banks fees coming out. So I started to transfer money out my main account to my savings account for Wells Fargo. Then I noticed once I transfer my money to my savings from Wells Fargo that my main checking account will be in the negative then they will add a fee. I wasnt sure why my checking account will be negative if I transferred the mine that was in there to my savings for Wells Fargo. The company kelp giving me the push around and no real answers. I also had issues with my Account always getting hacked and the bank giving me a hard time about rebursing my money.

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 2024-12-02 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: EdFinancial Services
State: MD

Complaint narrative:
I am a victim of identity theft, and someone who acquired my personal information used the information of SSN, name and date of birth to obtain four student loans from Ed Financial. I informed Ed Financial of the identity theft through telecommunications with an associate on their contact point. I was then told to send a discharge application for forgery with attached documentation. I sent the documents as requested and was immediately rejected based on leaving question 17 and 22 blank. question 21 says " Do you know the name of the individual or organization who signed your name, in ink or electronically, without your permission? '' Yes- Continue to 22, No - Skip to item 23.I marked No - skip to item 23. Question 17 asks " When and with whom did you first seek to resolve the forgery? Attach documentation such as copies of letters or emails from prior loan holders discussing your forgery allegation '', I answered N/A since at this time the fist person/company i am asking to resolve this issue is them and this is my first attempt. Additionally I have opened a dispute through XXXX  and they rejected the dispute even though the application used phone number, and addresses not listed through my credit report at the time and only information they relied on to issue the loan was name, Date of Birth and SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: OneMain Finance Corporation
State: TX

Complaint narrative:
Over a period of XXXX months, I have filed disputes against creditors and collection companies with XXXX on the following XXXX ; report XXXX ; report XXXX ; report XX/XX/XXXX ; report # XXXX ; report # XXXX, I have forwarded dispute letters triggering account investigations on XXXX, XXXX, XXXX report # XXXX ; XXXX XXXX, XXXX XXXX report # XXXX, certified mail XXXX in XX/XX/XXXX ; XX/XX/XXXX report # XXXX, XX/XX/XXXX report # XXXX, and report # XXXX. Despite these disputes, XXXX has conspired with creditors and collection agencies to violated the following FCRA and FDCPA statutes such as 15 USC 1681s-2 ( b ) ; 15 USC 1681i ( a ) ( 6 ) ; 15 USC 1681s-2 ( a ) ( 7 ) ; 15 USC 1681s-2 ( a ) ( 5 ). I am requesting that XXXX provide me every investigation based on the disputed items in my inaccurate, misleading, or incomplete complaints. For XXXX months, XXXX has not provided me with their findings and procedures as required by statute. Further on XXXX, XXXX allowed the XXXX Police Department to use my personal identifiers to illegal open up an on line account as a XXXX membership # XXXX to monitor my XXXX XXXXXXXX XXXX account without my consent. Because of a previous lawsuit against XXXX and the XXXX Police Department in XXXX, I believe my current problems with noncompliance is a result of retaliation due a federal lawsuit filed in the XXXX XXXX XXXX under cause # XXXX. XXXX is a co-conspirator assisting my former employer to retaliate by having collection companies dump illegal and fraudulent debt on my credit report so I can't access the equity in my residence. I need all investigations to prove the conspiracy to delrive me of equal protection under law. I filed a police report on the car dealer representing XXXX XXXX XXXX under incident number, XXXX, on XXXX XXXX for falsifying a vehicle sales contract by putting down {$2500.00} which I never gave him. They were trying to sell a XXXX XXXX under manufacturer recall. I checked with the secretary of state and the XXXX that I initially gave XXXX XXXX went to XXXX XXXX XXXX XXXX which has no certificate to do business in the State of Texas dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the accuracy of certain items listed on my credit report. Upon review, I have identified information that appears to be unverifiable, invalid, or inaccurate. These discrepancies are concerning and have caused unnecessary distress. 
Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ) and 1681i ( a ) ( 5 ), I have the right to ensure that all information reported is 100 % accurate and fully verifiable. I am requesting an immediate investigation into the disputed items to confirm their validity and accuracy. 

Attached, you will find copies of letters and supporting documents for your reference. I request that you promptly remove or update the inaccurate entries in accordance with federal regulations. Please provide written confirmation of the actions taken and an updated copy of my credit report once the investigation is complete. 

Thank you for your attention to this matter. I look forward to your response within the time frame allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
I went through financial hardship. Account went into collections. I paid the collection amount off. The company stated they would remove it off all credit bureaus. Now on my credit report, it shows a payment status of " Collection/Chargeoff ''. This is false information since this has been paid off. If a debt is listed as charged off when it has been paid in full or settled, it is considered inaccurate information and violates the FCRA. Credit reporting agencies must update information on a credit report to reflect accurate changes, including when a debt is paid off or settled. Please see attachment.

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: FL

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




Inquiry 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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all 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 2024-12-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: MI

Complaint narrative:
Hello, The private XXXX loan provider XXXX does not offer reasonable solutions for repayment. The interest rate is so high the loan has ballooned to almost $ XXXX from $ XXXX. The current loan payment is over {$1000.00} a month and doesnt even cover the interest. There was an option to lower the monthly payment for 6 months but that only continues to compound the interest owed. This has affected my credit ratings making it next to impossible to find a lender to refinance the loan. This seems very unfair. We continue to look at options to refinance to lower the payment and interest but not having much luck. We have done everything possible to maintain consistent payments even when we havent had enough money to pay the whole payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I recently received an alert that Macys/Citi performed a hard inquiry on my credit. I've never authorized Macy 's to pull my credit and refuse their offers for an in-store card everytime I purchase something there. I have enough cards and know their is no real value to their cards. I'm demanding verification that I am in fact the person that requested this and an update from the location it came from to verify it's validity or fraudulence.

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 2024-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Hollis Cobb Associates
State: GA

Complaint narrative:
I am writing about the paperwork I received from Hollis Cobb Associates , Inc., seeking a DISCHARGE from the alleged debt, which the debt collector states I owe to them. I have no agreement with Hollis Cobb Associates , Inc.. I want to provide the following explanation : XXXX have been paying the alleged debt to the Hospital**** I am a full-time XXXX  Student, with no income or job. 
PLEASE DO NOT SEND ME monthly BILLS as validation. PLEASE PROVED ME WITH THE FOLLOWING : I am requesting verification of the alleged debt, specifically : XXXX. A copy of the ORIGINAL PURCHASE AGREEMENT with my signature XXXX. Insurance claim of the debt & BILL OF SALE XXXX. The XXXX with the original creditor and does Hollis Cobb Associates WHY DO YOU GUYS CALL MY PHONE AT LEAST XXXX TIMES PER DAY? 
PLEASE STOP

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: FL

Complaint narrative:
I would like these account to be remove so my credit report can report accurately ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF FOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK I am writing to have the following information removed from my credit file, the items that i need deleted are going to be attached in the files below. I am a victim of identity theft. I have multiple accounts and inquires that i did not apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identify to the federal Trade commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. please block this information from my credit report, pursuant to section 605B of the fair credit reporting Act.

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