vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-19 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: TX

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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 2023-10-19 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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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 2023-10-19 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 received an alert on my Transunion credit report from a creditor XXXX XXXX XXXX. I have never opened any account with XXXX XXXX XXXX I went to the police station and reported my identity stolen.

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 2023-10-19 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: OH

Complaint narrative:
I had a alert on my credit report from my fico. Describing my information being available on the dark web, After the alert, I had several credit cards that were charged fraudulently without my approval. I would like these removed from my credit profile. And the accounts closed for good. This is affecting my credit report. Tremendously and has caused a economic and financial Burden.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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: IL

Complaint narrative:
I was not present in the united states for XXXX years and my credit is all destroyed and I have recieved some letters from debit collectors which I have not taken any thing from them. I was out from XX/XX/XXXX to XX/XX/XXXX now I came back and see.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I gave {$310.00} to Home Advisor to get a contractor to install an air conditioner. They didn't call and my neighbor offered to do it during the heat wave in XXXX. 

They will not refund my money. The bank said there is nothing they can do. Chase Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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 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 I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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: Amsher Collection Services, Inc.
State: NJ

Complaint narrative:
XXXX and XXXX refuse to allow update of Consumer Statement to reflect XXXX and XXXX Collections deceptive and fraudulent business practices. The account in question was deleted from XXXX. Arbitrary {$120.00} restock fee was imposed for a defective XXXX  XXXX upon its return within the XXXX return policy time frame. I am not responsible for a defective phone, and the arbitrary {$120.00} restocking fee should be deleted from my other credit reports. The phone 's symptoms included overheating, running slowly, acted in unexpected ways, spiking data usage, poor battery performance, frequent pop-up ads of a phishing nature, and the apps crashedXXXX XXXX  apparently just wants to restock it to be sold to another unsuspecting customer. The phone was purchased on XXXX and returned on XXXX within the XXXX window given on the receipt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: VA

Complaint narrative:
When Nelnet took over my Great Lakes balances, they stated they would not issue account statements without payments. After a manual payment, Nelnet refused to provide a statement. Contacting customer service and other 'contact us ' options led to no response or an immediate closing of the issue with an automated email. 

The manual payments never posted nor credited my account. I do not know where that money has gone. 

The statements were required to continue an employer benefit for loan repayment. Nelnet refused to provide statements, and I was unable to receive my employer benefit. Nelnet 's refusal to provide an account statement has personally cost thousands from missed employer payments over multiple months. 

When Nelnet finally created a statement, my employer applied benefit was not posted to my account. I do now know where that money has gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: FL

Complaint narrative:
Despite my previous attempts to rectify this matter, it seems that my concerns have not received the attention they deserve. The ongoing presence of this fraudulent accounts on my credit report is causing significant harm to my financial standing and reputation, and I implore you to take immediate action to address this situation. 
Account Details : XXXX XXXX XXXX and XXXX XXXX XXXX This situation not only violates my rights as a consumer but also raises serious questions about the effectiveness of the credit reporting process. I understand that credit bureaus have a responsibility to ensure that the information they provide is accurate and up-to-date. The presence of a fraudulent accounts on my credit report not only damages my financial standing but also erodes my trust in the credit reporting system as a whole.

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 2023-10-19 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: OH

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 Name XXXX XXXX XXXX XXXX Account NumberXXXX 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 2023-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
I'd like to report a dealership from denying my husband to be a cosigner with me. On XX/XX/XXXX, my husband and I went to XXXX XXXX Dealership to purchase a new XXXX XXXX XXXX. They ran his credit which pulled XXXX at that time, and salesperson came to us and said his credit was very good and should be no problem and that we just needed to wait for the finance person so we can close the deal in his office. Fast forward the manager and finance person did not allow my husband to be on the loan and car title with me for the reason that Nissan Motor Acceptance Company aka NMAC does not allow ITIN to be on the loan. Before making the credit application my husband asked the salesperson if ITIN was allow and he said yes, also in their website clearly states provide either SSN/ITIN in the field box for the credit application request directly from XXXX XXXX XXXX. ( I will be attaching a screenshot for credit application ). Decided to trust their words and we made the deal without my husband in the loan. Next day my husband called NMAC ( Nissan Motor Acceptance Company ) and ask them directly if ITIN is allowed and got multiple answers from different representatives that ITIN is allowed to apply and obtain a credit with them. We went back to the dealer to talk with the manager and explain what NMAC had told us over the phone, but they did not seem interested in fixing what was already done. This cost him a hard pull for no reason and an we paid an additional {$220.00} from the DMV ( Department Of Motor Vehicle ) because I did not had a plate under my name and had to get a new one, however with my husband on the title we could have saved {$220.00} from the DMV for having a plate available to be registered on a new car, but we weren't able to use it since they did not allow my husband to be on the contract with me. He is the primary driver and makes all payments on time from the beginning. He has already gotten a SSN earlier this year, so he no longer have an ITIN. Either way ITIN and SSN are allowed by NMAC and we can confirm this information since we made several calls to NMAC and was told ITIN is allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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:
Please see the attached documents to understand what had happened.

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 2023-10-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My partner found a place from XXXXXX/XX/XXXX place. We started talking to a guy named XXXX XXXX through XXXX, and then we all switched talking through emails and XX/XX/XXXX We scheduled to view the place and he was able to provide us with a gate code and key lock box code. My partner and I were desperate to move in so we decided to go through the credit score check, and background check. Therefore, we provided him with our personal information such as our drivers license, and SSN. We were informed that we got approved. We signed the lease he made, turns out it was a fake lease agreement form. XX/XX/XXXX I paid him the first month of rent of {$1500.00} and the deposit {$1500.00}. Total of {$3000.00} was sent through wire transfer. XX/XX/XXXX was supposed to be our move-in date. My partner and I packed, rented a XX/XX/XXXX and went to the place to meet XXXX XXXX in person to get the key, but he did not show up and blocked our numbers so we couldn't get a hold of him. The neighbor next door popped up and said the unit has been rented already, and the people who manages the apartment is agency called XXXX, not XXXX XXXX. I called the XXXXXX/XX/XXXXagency and they confirmed that the unit has been rented. They also said someone has been targeting their property to scam people. I was advised by them to file a police report and call my bank immediately to get the transaction disputed because that was a fraud/scam. XXXX XXXX XXXX stole XXXXXX/XX/XXXX ( Real Estate ) identity to scam me. He even provided me the license number to make it seems like he is real. 

I reported it to my bank ( Bank Of America ), but unfortunately I received a letter that they were unsuccessful to recover the funds. I called my bank to get an explanation why, and they said because the scammer 's bank institution ( XXXX XXXX XXXX ) did not respond and cooperate. Therefore, my bank denied my claim and told me they're not able to re-submit the claim for reconsideration.

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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This payments was made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correctXXXX XXXX XXXX XXXX XXXX XXXX was reporting inaccurate information on my credit report in violation of Federal Law. This was frustratingly unacceptable, in accordance with FCRA you must provide accurate information accordingly.

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 2023-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: InDebted Corporation
State: FL

Complaint narrative:
On XX/XX/XXXX, I received an email from XXXX. The email claims that their client, XXXX XXXX, has placed my account ( s ) with them to get {$25.00} from me. The account ref number they gave me is XXXX. I replied by email on the same date : " insufficient information provided. Please provide specific details. '' Note that I did NOT BUSINESS with a company called XXXX XXXX At XX/XX/XXXX EST, I received an email response from the same email address, a person calling herself XXXX XXXX XXXX XXXX only additional info she provided was : Product Vendor : XXXX XXXX ( NSF Fee ), Referral Date : XX/XX/XXXX, Balance : XXXX USD. In the email she says " If you require an invoice or a statement of account, I recommend reaching out to XXXX XXXX ( NSF Fee ) directly ''. I asked again what the {$25.00} is for, and for more specific information. I am hesitant to call this XXXX XXXX, even if I had their tel number because I do not know if this is a scam. I told her that I suspected that she is not a legitimate debt collector, but a scammer. I sent a follow-up email, telling her that I am not responsible for any NSF Fee and that she was still not providing me with the necessary details. I asked that if XXXX provides services for ANOTHER COMPANY with whom I may or may not have done business, then perhaps I can make a determination. I informed her of FRAUD committed in my Bank account requiring it to be credit only and then closed. I asked for the professional license number in the state of FL and the name, address and tel # of the " original creditor ''. Due to the fraud committed in my bank account, I am leery of any communications with parties I do not know. And I am not getting enough info from them. Please advise. I am unsure if I should cut off communication with them. But I also do not want any negative mark om my credit files. The info about the sender of the email is that it is purportedly from XX/XX/XXXXMO XXXX ( https : //indebted.co )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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:
I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXX XXXX Account Number : XXXX The account referenced above is fraudulent and does not belong to me ; XXXX XXXX XXXX XXXX The contract that was signed holds the signature of an individual by the name of " XXXX XXXX XXXX . '' Please cite the documentation uploaded to verify this as well as my driver 's license. The signature on the contract and my license do not match. I'm 100 % sure that this was a fraudulent act committed against me. 

I'd also like to bring to your attention that all the names referencing this account are different across all three reporting agencies along with the payment history. 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.

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 2023-10-19 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: FL

Complaint narrative:
I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be.

available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters.

from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX is reporting to my credit profile as charge off or other derogatory. this account was paid in full, It should not be reporting as a charge off or derogatory this account was paid and settled, I have tried on many occasions to have the status updated. 
Also, there are addresses reporting that I never lived at these addresses. 
XXXXXXXX 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 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 2023-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I had an account with PayPal. My account was in good standing with deposits and debits. I was then a victim of theft-my wallet and other personal information was stolen. I cancelled my debit card and disputed charges with PayPal. And some transactions were refunded. Every day I would check my account and every day there were new fraudulent charges on my account. Because of the fraud, PayPal has now permantently limited my account and is holding my {$100.00} -they state-for 180 days. I have no access to my funds. I was already the victim of theft and fraud and now it seems as if PayPal is doing the same thing. I just want access to my funds and then I will, myself, close my account with PayPal.

Company response to consumer: Closed with explanation