vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-22 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: OH

Complaint narrative:
I XXXX XXXX and I am a victim of identity theft. I have attached an identity theft report and notice. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-08-22 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: OR

Complaint narrative:
My consumer report contains accounts linked to identity theft, which I never authorized in writing or with a wet signature. I recently contacted your organization about this issue and am now formally requesting the immediate blocking and removal of these accounts from my report. Their presence has caused me significant emotional and financial distress, as they misrepresent my credit history and responsibilities. If this matter is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items have impeded my ability to achieve important financial goals, such as purchasing a home and meeting my family 's needs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: MA

Complaint narrative:
The company that initially had my loan, descended to sell my loan to a subsidiary company. I was told to wait until the transfer was complete. The subsidy or company was given the absolute wrong mailing address and wrong email. I was never contacted. I waited and instead got remarks on my credit report, this destroyed my credit. Even though they confirmed they had the wrong mailing address and did not contact me, they do not want to claim responsibility. I did as I was told and was punished for their mistake. Sloan should accept they mistake they already confirmed and admit it to the credit agencies too.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: N.A.R., Inc.
State: ID

Complaint narrative:
I have no knowledge of any of these two accounts : North American Recovery ( NAR ) and XXXX XXXX XXXX ( XXXX ). Please send me " evidence '' ( i.e. a contract directly with NAR and XXXX ) that I have done business with them. If not, they need to be removed in its entirety and without delay. Additionally, I did not approve of the attached inquiries as I did not authorize these companies to run my credit as I am particular on who views my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: FL

Complaint narrative:
They have been sent numerous complaints. The AG has been contacted since XXXX, XXXX, and XXXX. I've requested reports and documents to validate their claims and I've received nothing yet they continue to report false information to experian who have corroborate with them and never provided any documentation to the accuracy of the account. The accounts are not reporting 100 % accurately and also identity theft reports were sent as well as ftc fraud reports sent to experian. 15 U.S. Code 1692c - Communication in connection with debt collection says that all communication should cease and desist. no talking to any bureau or me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: OR

Complaint narrative:
My consumer report contains accounts linked to identity theft, which I never authorized in writing or with a wet signature. I recently contacted your organization about this issue and am now formally requesting the immediate blocking and removal of these accounts from my report. Their presence has caused me significant emotional and financial distress, as they misrepresent my credit history and responsibilities. If this matter is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items have impeded my ability to achieve important financial goals, such as purchasing a home and meeting my family 's needs.

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 2024-08-22 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: LA

Complaint narrative:
These furnishers continue reporting false, inaccurate information on my credit report. YOUR COMPANY continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! 
- Per Section 623 15 U.S. Code 1681s2 : 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.

- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. 
- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. 
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 2024-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: COMMERCE BANK
State: MN

Complaint narrative:
I applied for and rceived a credit Card from Commerce Bank. The offer stated no interest for 15 months. No date of when the no interest period started or would end. No statement stated when the no interest period would end. I thought I would be notified as all of theother cards that I have received which provide for no interest during a specified period state on the statements when the no interest period would end. The Commerce Bank card statement never stated when the zero interest period would begin or end. According to my records, the interest free period should have ended in XXXX, XXXX. To my surprise the XX/XX/year> statement showed interest on the balance. As did the XXXX statement. I immediately paid the outstanding balance less the interest charges since I never received any notice of when the interest free period would begin or end. I contacted Commerce Bank regarding the above and their response was that the interest free period was 15 month. No documentation of when the period started or ended. All interest should be waived and my credit account cleared. This is clearly deceptive practices barred under the Federal Trade Commission rules. Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: KEYCORP
State: IL

Complaint narrative:
I received a call from someone claiming to be from Key Bank. They had my name and the last XXXX digits of my social security number and my zip code and they claimed the application came from New York. I told them to cancel it. I was turned over to XXXX from the Consumer Fraud dept but he started fishing for information so I said I would hang up and call back. I asked him to cancel the application and he refused. The phone number called from ( XXXX ) is not in service if you call back. The happened XXXX at XXXX XXXX  and the caller ID was XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AUTOMOTIVE CREDIT CORPORATION
State: ND

Complaint narrative:
Did not send me a copy of the original contract and reporting inaccurate last date of payments on XXXX XXXX and XXXX. Used my information without my knowledge under FCRA Section 605B

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 2024-08-22 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:
There are items on my credit report that have resulted from fraud to which I never benefitted from. I have reported them to the federal trade commission but they are not removed from my report.

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 2024-08-22 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: FL

Complaint narrative:
I am writing to dispute the following information that appears on my credit reports from XX/XX/XXXX : Collection account from XXXX XXXX  with account # XXXX and a balance of {$2900.00}. 

XXXX reporting agencies have it as open and XXXX has it as closed. Also, with different dollar amounts. This is inaccurate I want all XXXX bureaus to verify these accounts! 

Next, XXXX account with account # XXXX opened on XX/XX/XXXX with a balance of {$0.00}. This account was transferred to a debt collector and is still reporting monthly. This is inaccurate Finally, XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$470.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on 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 2024-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: TN

Complaint narrative:
To Whom It May Concern, This letter constitutes a demand for immediate action regarding the unlawful conduct of Credit Control LLC, XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX. Failure to comply with these demands will result in significant repercussions. 

1. Violation of 15 U.S. Code 1692c ( c ) : On XX/XX/XXXX, Credit Control LLC violated 15 U.S. Code 1692c ( c ) by failing to cease communication as required. According to the privacy notice accompanying their correspondence, they operate under the XXXX Companies umbrella. XXXX XXXX XXXX XXXX and XXXX XXXX, in a signed and dated document from XX/XX/XXXX, committed to comply with my demands. This documentation will be submitted in the portal and is under the original complaint number XXXX. 

2. Violation of 15 U.S. Code 1692e : Credit Control LLC, XXXX XXXX XXXX XXXX, and XXXX XXXX are in clear violation of 15 U.S. Code 1692e. They are misrepresenting themselves as distinct entities when, in fact, they are part of the same corporate group. I demand full disclosure of which entity is attempting to collect on this alleged debt.

3. Violation of 15 U.S. Code 1692g : Credit Control LLC has failed to provide a valid validation letter as mandated by 15 U.S. Code 1692g. I hereby demand that Credit Control LLC issue a compliant validation letter regarding this alleged debt immediately. 

Immediate and Non-Negotiable Demands : Immediate Account Closure : Credit Control LLC, XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX must close this alleged account within their records without delay. 

Cease All Collection Activities : All collection activities related to this alleged debt must cease immediately.

Refrain from Reporting : These entities must not report any information related to this alleged debt to credit agencies. 

Let me be unequivocally clear : If these demands are not met promptly, I will engage legal counsel and initiate all necessary actions under U.S. Code 1692k to address these violations. I am prepared to take this matter to the fullest extent of the law and will not tolerate any further harassment or deceptive practices.

You are hereby warned : Failure to comply will result in immediate legal consequences, and I will pursue all available remedies to the fullest extent. Others may be scared of you but I am not. I will fight you to the ends of the earth.

Pound sand.

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 2024-08-22 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company 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 2024-08-22 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company 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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The following inquires i never authorized and are on my credit report, they are unauthorized and i would like them removed. Experian Credit Bureau ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these companies had permissible purpose to view my credit report and according to Section 604 15 U.S.C 1681 B Are unauthorized and i would like them removed.

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 2024-08-22 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: TX

Complaint narrative:
There are items on my credit report that have resulted from fraud to which I never benefitted from. I have reported them to the federal trade commission but they are not removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I am contacting you regarding fraudulent personal information associated with my identity. Several accounts and transactions have been falsely attributed to me without my knowledge or consent, causing me significant distress. I have been a victim of identity theft and have already reported this incident. This matter requires urgent attention, as it has negatively impacted my financial well-being and personal reputation. 

I request your immediate cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am prepared to provide any necessary evidence and, if needed, take legal action to protect my rights and seek appropriate compensation. Your swift attention to this urgent matter is crucial.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor

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 2024-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Hello On XX/XX/year>, I called Wells Fargo customer service number XXXX XXXX XXXX around XXXX XXXX. I asked if they could cash out my check that my insurance company send me but I dont have an account with Wells Fargo XXXX The customer service said they can cash out ; She said I only need to bring my Government ID with the check. 

So on XX/XX/year> around XXXX and XXXX XXXX, I went at Wells Fargo XXXX at XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX to cash out the check. 

At the branch, I gave the clerk the check. She asked me if I have a bank account with them, I said I dont have. She then said that they couldnt not cash out the check. So I explained to her that I called the customer service and they told me that they would help me cash out the check and I needed my Government ID. So the clerk took the check with my driver license. She opened her system on the computer and scanned the check. She entered my ID information and I entered my SSN. 

After few minutes, the clerk called her coworker and showed her something then I heard You are not allowed to cash out this check. That is what she read to her coworker. And did not understand the rest. 
They both clerks turned over me said that I dont have an account with them that they couldnt cash out my check. So I asked if there was someone else who I could talk with about this situation to understand what going on. She said to sit. 

That is when XXXX XXXX came after working with one of their clients. I explained to her the situation and took the check and looked. She said that they cant cash out the check because the check is not from Well Fargo Bank so how are they going to verify the check. Its impossible for them to verify the check since its not a Wells Fargo Bank check. So I asked XXXX XXXX for her card and she gave it me and she said that she is the person who is running the branch. 

Check amount {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent me this check to fix my car and do my daily work. 

I am asking why they did not cash out my check when the customer service representative said that they could help me without an account? 

Why I didnt get any receipt from Wells Fargo for my records explained the reason they didnt cash out the check? 

The check is to repair my car damages so that I could drive to pay my bills. 

I have attached the check and the 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