vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-04 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: GA

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. 

Account XXXX : XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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: GA

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. 

Account XXXX : XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
My student loans used to be serviced by Nelnet. In XXXX of XXXX, I was informed the loans would be transferred to XXXX. And indeed they were transferred and my Nelnet account shows a balance of {$0.00} and a payment in full on XX/XX/2023. Since this time, XXXX has been servicing my loans with no issue. 

However, Nelnet continues to report all of loans to XXXX credit report. I have disputed the issue twice with Nelnet and twice to XXXX. As a result, my credit report shows a nearly double student loan balance ( because XXXX rightfully reports their balance but Nelnet continues to report a balance owed on all of the loans despite the transfer, full payment, XXXX balance ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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: CBC Companies, Inc.
State: SC

Complaint narrative:
Whenever these inquiries were getting pulled i noticed that they pulled it from my XXXX cause it has over 20 hard inquires piled up on there and most of these were supposed to be soft pulls but that is not the case. 
This is the List of companies that did this. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to file a formal complaint against Experian regarding their failure to update my personal information on my credit report. The outdated information pertains to my previous addresses, which are still listed on my credit report despite my efforts to have them corrected. I have sent certified mail to the agencies to address this matter back in XX/XX/2023 and they have fail to update my report. 

By reporting these inaccuracies they are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; in accordance with the written instructions to the consumer to whom it relates. Experian has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and I great deal of injury.

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 2023-12-04 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/XXXX I responded to a fraudulent charitable solicitation on the internet. It did not come from a genuine charity, but from a scam artist. I charged {$150.00} on my credit card as a charitable contribution. I then made a written claim on XX/XX/XXXX asking the credit card company to cancel that charge. At that time, I gave several pieces of evidence that the solicitation was fraudulent. 
The company asked me to provide credit care receipts for my " purchase '' and also to call the on-line recipient of my funds to see if they would " remedy '' the problem. I responded to the credit card company ( both in writing and orally ) that there was no use in calling the recipient of the funds because they were scam artists, not a real charity. 
Subsequently, I received notice from the credit card company that they were denying my claim because I had willingly charged {$150.00} on my card. 
On XX/XX/XXXX I spoke to a supervisor in the Tennessee office of the credit card company ( person named XXXX ) explaining- again -that I was complaining about a fraud, not a complaint about merchandise or services. He said he could not help me. I asked to speak to a manager to continue my appeal. The supervisor said a manager would call me back in 24 to 48 hours but they never called back.

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 monetary relief
Consumer complaint received 2023-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a new business account, funded it with a $ XXXX cashiers check from XXXX XXXX. the placed a 7 day hold on the funds which was fine, I then wired $ XXXX into the account so I could use it to make payroll. I wired out money for my payroll to pay my contractors and after the 3rd one they froze my account. After calling they refused to tell me anything except they said it was " flagged for fraud ' because of the check I funded the account with. I told then the check was a cashiers check and they said it doesn't matter. They refuse to give me the funds in the account or give me any timeframe which I can get this resolved. This has cost my business a great financial hardship and they should be shut down and fined by YOU. I can not log in, see my funds or use my funds. This is theft

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 2023-12-04 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I am writing to express my concern and submit a complaint to COMENITY BANK/JARED regarding the improper use of my credit report and the reporting of inaccurate information on my file. I previously sent a letter to your office requesting an investigation into certain unverifiable account. Despite your assurance of conducting a proper investigation, upon reviewing my credit report, I discovered that inaccurate information persists. The discrepancies include but are not limited to, the date opened, date of last activity, date reported, account status, and payment history. It is disheartening to note that such inaccuracies continue to be reflected in my credit report, despite the initial request for investigation. I believe this situation infringes upon my rights as outlined in 15 U.S.C 1681 section 602 A, which emphasizes my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. I kindly request a thorough review of my case and the prompt correction of the inaccuracies in my credit report. Your cooperation in resolving this matter is highly appreciated. I trust that, as a reputable credit reporting agency, COMENITY BANK/JARED will take the necessary steps to rectify this situation and ensure the accuracy of the information in my credit file. I have attached an FTC report with the report number XXXX to support this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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: U.S. BANCORP
State: SC

Complaint narrative:
Whenever these inquiries were getting pulled i noticed that they pulled it from my XXXX cause it has ov

er 20 hard inquires piled up on there and most of these were supposed to be soft pulls but that is not the case. This is the List of companies that did this. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ELAN FINANCIAL SERVI XXXX XXXX XXXX XXXX XXXX., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 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: American Credit Acceptance, LLC
State: SC

Complaint narrative:
Whenever these inquiries were getting pulled i noticed that they pulled it from my XXXX cause it has over 20 hard inquires piled up on there and most of these were supposed to be soft pulls but that is not the case. 
This is the List of companies that did this. 
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 AMERICAN CREDIT ACCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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: GA

Complaint narrative:
I am writing to bring to your attention my serious concerns about potential identity theft risks associated with the mishandling of my credit reporting dispute by Equifax. I believe that the agency 's improper handling of my " ONLINE '' disputes, including unexpected mail communication and potential inaccuracies, poses a significant threat to the security of my personal information. I didn't request any reports to be sent out nor did I confirm a mailing address. I kindly request your intervention to thoroughly investigate this matter and ensure that appropriate measures are taken to protect against any potential identity theft risks. All the bureaus seems to be doing this and this is one of the many way consumers information is being stolen due to negligence by credit bureaus. 

Thank you for your prompt attention to this pressing matter. ( If they claim they didn't I have proof )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
Southwest Recovery Services based out of XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX put a collection note on my credit file with XXXX credit bureaus. I tried contacting this company through phone and email and did not get any response. Eventually, I spoke to a representative more than XXXX business days ago and asked for debt validation, also, informed them that i am victim of identity theft and asked them to send me the details in a personal email so that I can forward them Identity Theft reports lodged with FTC and local police. I have not received a response and even though I leave voice mails, I do not recieve call backs.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: MA

Complaint narrative:
I received a letter at my place of work from Linebarger Goggan Blair & Sampson , LLP located XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX. This " Notice of Delinquent Tolls and Fees '' claims I owe this legal firm monies on a debt they claim to be collecting on behalf of Mass DOT ( ~ {$80.00} ). ~ {$25.00} of this " dept '' is for " tolls '' and the other {$45.00} is for " fees for non-payment ''. I can wipe my XXXX with {$80.00} and not lose any sleep, I won't be paying these people anything for the following reasons ; Firstly, sending this letter to my place of employment is clearly rodent thuggery and a sign of inbreeding. This is unacceptable and is an act of terrorism/ intimidation. The harassment has to stop and I requested they take me to court. 

Secondly, this debt is predicated on a claim that someone took a picture of my license plate while I was driving on " their XXXX road. This is an invasion of my privacy and this firm has no right to monitor my location or activities. 

Thirdly, assuming this firm is legitimate they should have the capacity to mail the invoice to the location the vehicle is registered. They mailed the original invoice to an address I haven't lived at in XXXX years ... How am I supposed to pay a bill I don't know anything about? Why can't these inbreds check with the XXXX and mail the invoice to the location the vehicle is registered? How the XXXX are they this incompetent? They can figure out where I work to intimidate and harass me but they can't figure out where the vehicle is registered? 

Forth, the legal firm did not provide it's mailing address on the harassment letter. They provided no reasonable method to resolve the claim, only suggested I mail a letter while they continued to harass me, commit credit attacks against me, prevent me from renewing my registration and license ( further efforts at harassment and intimidation ), and accrue more " debt ''. 

Fifth, this entire process is so purposefully inept and ridiculous it has to be done with the intent to scam people and steal money. There is no way this process can be legal and the parties involved should be under federal investigation. Just look at where the money is going in this racket. This is by XXXX, they are being purposefully XXXX just to make an extra dollar running this scam. 

Finally, these inbred trash people need to contact the XXXX and mail me a check for my time TO THE ADDRESS THE VEHICLE IS REGISTERED. This is not the first time this has happened, there are multiple reviews online that tell the same story ( mailing bills to the wrong address and then refusing to resolve the issue ). When will the government take action? How many more people have to deal with this before something is done?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc.
State: GA

Complaint narrative:
this is my CONDITIONAL ACCEPTANCE. 

On XX/XX/2023 I received an email stating my account had been closed by SELF/ LEAD BANK. I called the company on XX/XX/2023 to let them know I would need my cash/federal notes returned to me that I applied to the accounts before I understood how to make my payments correctly to my account. I was told by " XXXX '' a representative for the company, that they would not be doing that. So, I conditionally accept you closing my account if you can prove the following claims : 1.The account number I gave you did not discharge the debt on the day of payment 2.there is lawful money per the Constitution 3.Making Principal pay wit debt notes does not force principal to commit a tort. 

You have 10 days from receipt of this conditional acceptance to prove these claims or you will be in default and this will become a security that will create a lien for XXXX XXXX dollars or until you reverse the closing of the account and return to me my federal notes. 

without ill will or vexation XXXX XXXX XXXX, secured party for the XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
My insurance company issued me a refund {$760.00} on XXXX XXXX and the funds will clear XXXX hours..I called navy federal on XX/XX/23 they told me I had a balance of - {$19.00} but they saw the pending refund for {$760.00} ..then I called back XXXX XX/XX/23 and navy federal tells me I cant access my funds until they subtract {$530.00} from a temporary credit reversal thats due to reverse on XXXX.which they say is when they would be finished their investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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: NC

Complaint narrative:
I am a victim of identity theft. My credit information has been used without my consent/authorization or knowledge, I have submitted documentation to support my claim and I request these fraudulent accounts be blocked and removed 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # 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. 

XXXX XXXX XXXXXXXX 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