vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-22 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:
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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: DE

Complaint narrative:
XX/XX/XXXX, XXXX, XXXX XXXX showing late payments which were made on times balance was no showing accurate to the account. 

Company stated the found the error unable to correct my reports. Request me to submit disput

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I believe FCRA 605B says we must remove any wrong accounts from my credit report. Can you check the papers? Some accounts listed have incorrect reporting, wrong amounts, and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I request the removal of these inquiries, as I do not possess any knowledge about them, and they were carried out by the company without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: DE

Complaint narrative:
This company has made it its business to report inaccurate information to the credit bureaus. I see so many that I'm curious as to why they are damaging my reputation in this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I've always made sure payments on this account are timely, never letting them become overdue. I'm unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

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 2024-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Kindly remove these inquiries, as I am unaware of them, and they were conducted by the company without my permission.

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 2024-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am wri ng to formally dispute unauthorized inquiries that appear on my credit report, as well as to assert my rights concerning the documenta on you may request from me in rela on to this dispute.

Upon reviewing my credit report, I have iden fied the following unauthorized inquiries : Company name Date of inquiryI did not authorize these inquiries, and I believe they have been made in error or without my knowledge or consent. As such, I request that you inves gate these inquiries and remove them from my credit report if they are found to be unauthorized. 
Furthermore, I would like to assert that, under the Fair Credit Repor ng Act ( FCRA ), I am not required to provide an FTC report or a Police report to dispute inaccuracies on my credit report. The FCRA mandates that credit repor ng agencies must conduct a reasonable XXXX XXXX  on upon receiving a dispute from a consumer, without placing undue burdens on the consumer. Demanding an FTC report or a Police report as a prerequisite for XXXX XXXX  XXXX  my dispute is not only unnecessary but also places an undue burden on me as a consumer. 
I expect you to adhere to the FCRA 's guidelines and conduct a thorough XXXX XXXX on into the unauthorized inquiries without requiring any XXXX XXXX reports from me. Failure to do so may result in further ac on on my part to ensure my rights under the FCRA are upheld. 
Please acknowledge receipt of this leter and inform me of the steps you will be taking to address my concerns. I expect a response within 30 days, as s pulated by the 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 2024-04-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I have money in my Venmo account that can not be accessed no matter what steps I take weather on a XXXX or a laptop or desktop. I go to login my Venmo and immediately get a error message ( XXXX XXXX ) and it will not open my Venmo

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I recently pulled my credit report and found that I have inaccurate information on my report. Experian is Reporting 5 late payments from my XXXX  XXXX XXXX XXXX XXXX The late payments are as follow XX/XX/2023, Experian is reporting as 60 days late while XXXX and XXXX are reporting as 30 days late. XXXX XXXX 90 days late, 60 days late at XXXX and XXXX. 120 days late, while XXXX and XXXX is 90 days late. Etc I understand Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Experian is violating my rights and for this reason I would like all late payments removed from my report for this account

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 2024-04-19 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: NJ

Complaint narrative:
I've consistently made timely payments on this account, ensuring they are never overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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 have been speaking with a XXXX XXXX in the XXXX office. We started discussing settlement options regarding this account in the beginning of XXXX. My account had fallen behind in XXXX. At the time of the late payments, I recently contacted XXXX. I was also going through a divorce and custody battle, which exhausted a good amount of my financial resources. I am also a XXXX XXXX in the XXXX area that was recently affected by the changes in XXXX XXXX that has gained national coverage. I had to recently switch jobs to a XXXX XXXX which drastically affected my pay. XXXX and I were speaking to come up with a settlement offer for my account. At first he was very helpful. Initially the settlement that we came up with was not accepted. It was an offer of a down payment and splitting the rest of the balance into payments. I wanted to offer a down payment and then have the rest of the balance split up into payments. We spoke on XX/XX/XXXX and he told me that he received an email with my name on the list of approved settlement amounts that was very close to the amount that was offered in the settlement offer first submitted. He was able get the settlement approved but said that he had to reach out to his supervisor to finalize the settlement. For the month of XXXX I kept reaching out to XXXX about the finalized settlement and when I could make payments. Then he informed me suddenly in late XXXX that the settlement offer was not approved. I reached out to the home office and was able to contact XXXX XXXX XXXX ). She has been helpful in regards to advising me to make a payment before the account would be charged off. I completed a payment in XXXX on my account. XX/XX/XXXX I was informed that my account was charged off despite my efforts to settle the account and making a payment in XXXX. 
XXXX XXXX deceived me for the month of XXXX by telling me my settlement was approved and then lied and said it was not. XXXX has continued to lie when XXXX contacted him on XX/XX/XXXX and tried to act like he didnt remember the account but the took responsibility for the error. His supervisor XXXX XXXX also did not make any attempt to contact me about my account after sending mutliple emails.

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 2024-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This credit reporting company is not properly investigating information they are reporting. This is a violation of the FCRA because information can not be reported without evidence once it is questioned. I have challenged this information and have not been provided with evidence.

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 2024-04-19 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: LTD Financial Services, L.P.
State: CA

Complaint narrative:
These accounts are not mine. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Untimely response
Consumer complaint received 2024-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
Ive have called the following credit card companys Avant, XXXX and XXXX several times in regards to my XXXX balance letter for my mortage lender and informed them without this document I will be homeless. I was told they would fax and I have to recieve a fax. I was also told from Avant that I would it via email and have yet to receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: NV

Complaint narrative:
I got a credit report and I know it is incorrect. I was told I have a right to have a investigation done. In which you did not throughly investigate these. XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX said that Experian never contacted them. I submitted my police report and FTC fraud report showing these are not my 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 non-monetary relief
Consumer complaint received 2024-04-19 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: MD

Complaint narrative:
For starters, I was forced to transition from my original loan servicer Great Lakes to Nelnet. Nelnet took it upon themselves to changed the the amount of my monthly payments and change the term length of my loan without my knowledge and without my consent. 

Nelnet is also trying to force me to make payments on loans while XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. They screwed up my grace period, they are screwing up my payment time tables, and since I just learned that they changed the terms and conditions of my loan without telling me, I now have to deal with that too. 

I need this company to be sued into fixing the issues they are creating.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
The inaccurate and certifiably noncompliant information you are reporting To whom it may concern : I am writing you with this formal objection of information published and provided by you to XXXX, XXXX and XXXX, as reported and I demand for swift action on your part. Additionally, this notice also serves as my rightful demand for adequate, investigation/reinvestigation into every aspect of any delinquency XXXX derogatory data aceused of me to ensure my lawful right of accurate and compliant reporting! 

You are improperly reporting an alleged Public Record to the credit bureaus that is clearly in noncompliance with recognized XXXX Reporting Requisites per the CRGG as well as the FCRA, and thus @ damaging my credit. Without being certifiably compliant with XXXX reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less a public record that was not even reported to you by the alleged Court of Record. I formally contest the reportability of the alleged Public Record. 
Immediately, DELETE ALL record of the following alleged public record, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and compliance with all XXXX reporting standards. 

Date filed- XXXX XXXX Reference # XXXX This Public Record item is deficient as reported, and Per Federal reporting regulations all claims MUST be to a maximum " possible '' laccuracy and a maximum " possible '' completeness, which extends Ito the reporting mandates that there be no deviation from XXXX Format compliance since, per the CDIA, DNP 3-4 " Any deviation from these standards jeopardizes the integrity of the data ''.

Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Your prompt attention to o o this important matter is requested in order to comply with federal law.

This has been sent four times

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
My mothers name is XXXX XXXX XXXX. She approved of me being an authorized user on her credit card accounts so that they XXXX report to my credit bureaus. I received a copy of my credit report. To my surprise, these account are NOT reporting correct information. These accounts are NOT reporting correctly to my XXXX or XXXX Report But is reporting to my XXXX Reports. According to the FCRA, i have the right to an accurate credit report. Please add these accounts immediately to my credit reports. Please provide me a copy of my new credit report reflecting these accounts added upon completion.

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I & My mother who is the sole account holder of the account gave this consumer reporting agency WRITTEN CONSENT to report on my consumer report which violates my rights as a federal protected consumer. NO reporting is discrimination. As a consumer I am demanding the addition of the account listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: LA

Complaint narrative:
On XXXX XXXX this company used my credit info without my knowledge the company is EXXON/CBNA Citi 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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Regional Management Corporation
State: TX

Complaint narrative:
I have been speaking with a XXXX XXXX in the XXXX office. We started discussing settlement options regarding this account in the beginning of XXXX. My account had fallen behind in XXXX. At the time of the late payments, I recently contacted XXXX. I was also going through a divorce and custody battle, which exhausted a good amount of my financial resources. I am also a XXXX XXXX in the XXXX area that was recently affected by the changes in XXXX XXXX that has gained national coverage. I had to recently switch jobs to a new district, which drastically affected my pay. XXXX and I were speaking to come up with a settlement offer for my account. At first he was very helpful. Initially the settlement that we came up with was not accepted. It was an offer of a down payment and splitting the rest of the balance into payments. I wanted to offer a down payment and then have the rest of the balance split up into payments. We spoke on XX/XX/XXXX and he told me that he received an email with my name on the list of approved settlement amounts that was very close to the amount that was offered in the settlement offer first submitted. He was able get the settlement approved but said that he had to reach out to his supervisor to finalize the settlement. For the month of XXXX I kept reaching out to XXXX about the finalized settlement and when I could make payments. Then he informed me suddenly in late XXXX that the settlement offer was not approved. I reached out to the home office and was able to contact XXXX XXXX XXXX ). She has been helpful in regards to advising me to make a payment before the account would be charged off. I completed a payment in XXXX on my account. XX/XX/XXXX I was informed that my account was charged off despite my efforts to settle the account and making a payment in XXXX. 
XXXX XXXX deceived me for the month of XXXX by telling me my settlement was approved and then lied and said it was not. XXXX has continued to lie when XXXX contacted him on XX/XX/XXXX and tried to act like he didnt remember the account but the took responsibility for the error. His supervisor XXXX XXXX also did not make any attempt to contact me about my account after sending mutliple emails.

Company response to consumer: Closed with explanation