vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

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 2024-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Netspend Corporation
State: NC

Complaint narrative:
I received an account notice and a card in the mail to my home address for an account that I did not open. This account was fraudulently opened despite having alerts associated with my social security number because of stolen identity. The phone number on the account is not my phone number, and that is how they wanted me to pass the security check when called to close the account. They told me that they can assure me the account is closed, but they refuse to give me written confirmation that the account was closed. I need written confirmation that the fraudulent account was closed to protect my identity.

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 2024-05-07 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: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.

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 2024-05-06 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:
Recently I looked at my credit report and noticed the inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Experian will investigate this account for me to ensure accuracy. Here is the account I am asking to verify as accurate XXXX Card 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 2024-05-06 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:
PLEASE BLOCKED AND REMOVED I urge you to swiftly remove these fraudulent accounts from my credit report. I did not initiate or authorize them, and it is unfair for me to be held accountable. Please take prompt action to rectify this mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: TX

Complaint narrative:
XXXX XXXX is reporting a promissory note to our credit history as XXXX, XXXX, XXXX, and soon 120 days late. The XXXX on the promissory note includes access to the XXXX XXXX XXXX XXXX, and we should have received XXXX expo points to book reservations and access various vacation-related discounts. In addition to this, we were told that the promissory note would not get reported to our credit history. We were ready to walk out until this was verbally confirmed by the sales rep, XXXX XXXX, and XXXX XXXX, who presented the timeshare agreement. There is also a note on the original credit form that they refuse to provide us with a copy. The first problem is that they reported the debt to Experian as a timeshare loan. Secondly, my wife and I have not been able to use the XXXX Expo points we paid for. So far, we have paid XXXX dollars, between the down payment of {$2100.00}, XXXX payment of {$300.00}, and XXXX monthly payments of {$330.00}. Our attorney notified XXXX XXXX that my wife and I could not book reservations, among other discrepancies of this ordeal, in XX/XX/2023. XXXX XXXX has ignored this and other issues but has continued to report that debt to Experian. And now, reporting it as late has dramatically affected our credit history. We have not received what we paid for, and they should not be entitled to our {$4100.00}, which should be removed from our credit history immediately. To date, we have had no benefits from the XXXX XXXX purchase.

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: NATIONAL DEBT RELIEF LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I signed on with National Debt Relief to reduce the amount of credit card debt I owed. I was told they could negotiate with the credit card companies to reduce the amount due ( {$22000.00} ) to ( {$17000.00} ) reducing my total debt. My total debt owed was used to calculate a monthly payment ( {$360.00} ) that was to be held in an account while they negotiated with creditors. By XXXX of XXXX National Debt Relief had only negotiated on XXXX of the XXXX accounts enrolled in the program and I had paid a total of {$2800.00} into the account when I decided to un-enroll from the program realizing I was still paying on the total debt not negotiated debt which was my goal. In XXXX of XXXX XXXX of the creditors decided to file a case management trial with the XXXX XXXX demanding I pay the debt they claim was owed of {$4600.00}. This was XXXX of the creditors enrolled in the XXXX XXXX program that I later learned was not contacted to begin negotiations during the time I was enrolled in the program. As the consumer I was not aware that creditors would be contacted and negotiated with as other credit accounts in the program were resolved. As of today I am still attempting to clear these accounts from my credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: NY

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-05-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services
State: CA

Complaint narrative:
Lendmark Financial Services in XXXX California. 

Early on, I was misled in regards to the interest of the loan, total payments and how long it would be until paid off. I had to call and ask the manager why one of his loan officers ran my credit without my consent. This took several months to come off of my credit report. The branch manager and their loan officers have been dishonest and how the loans work, disrespectful and keep feeding me nonsense.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-05-06 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: GA

Complaint narrative:
I sent an initial dispute regarding a bankruptcy reporting on my credit report which I stated is a violation of my consumer rights as outlined under the FCRA, as it is a violation of my right to privacy as granted under the law. The company responded by saying that they verified with XXXX XXXX which was not the point of my dispute. Furthermore, the company lied because I have my official report from XXXX XXXX and no bankruptcy is reporting on it so that is considered forgery under the law. Furthermore, they have the US bankruptcy court listed as the furnisher of the account which is also not true, and again forgery because I even contacted the Bankruptcy courts in my state and they sent a letter stating that they do not furnish any information to the credit reporting agencies. Again, under the FCRA, all information on a consumer credit file must be 100 % accurate and since the bankruptcy court is listed as the furnisher when they confirmed that they did not furnis this, it is again violation of my rights and I will be seeking litigation. All evidence wil be attached to this 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 2024-05-06 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:
I sent an initial dispute regarding a bankruptcy reporting on my credit report which I stated is a violation of my consumer rights as outlined under the FCRA, as it is a violation of my right to privacy as granted under the law. The company responded by saying that they verified with XXXX XXXX which was not the point of my dispute. Furthermore, the company lied because I have my official report from XXXX XXXX and no bankruptcy is reporting on it so that is considered forgery under the law. Furthermore, they have the US bankruptcy court listed as the furnisher of the account which is also not true, and again forgery because I even contacted the Bankruptcy courts in my state and they sent a letter stating that they do not furnish any information to the credit reporting agencies. Again, under the FCRA, all information on a consumer credit file must be 100 % accurate and since the bankruptcy court is listed as the furnisher when they confirmed that they did not furnis this, it is again violation of my rights and I will be seeking litigation. All evidence wil be attached to this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I recently received a copy of my XXXX XXXX XXXX report and I noticed some late payments/inaccurate information posted on my consumer report XXXX XXXX Balance {$12000.00}

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 2024-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
CREDENCE RESOURCE MANAGEMENT is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANAGEMENT is a debt collector. They are falsely reporting to my credit! 
Account # XXXX are falsely reporting to my credit file and are against my rights and fair credit act. Under 15 U.S. Code 1681d - Disclosure of investigative consumer reports ; you are in violation. I have attached the definition so you can see the violation! ( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 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: TN

Complaint narrative:
I did not grant permission for the inquiry. There has been no communication with this lender on the specified date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
MY DISPUTE CAME BACK VERIFIED, I AM ASKING YOUR COMPANY TO SEND ME THE METHOD ON HOW YOU VERIFIED THIS FRAUDULENT ACCOUNT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 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: CA

Complaint narrative:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I went to XXXX XXXX from XXXX. Before I applied and got accepted, the school had a prestigious reputation. There were some rumors and talks about a lawsuit where there were false claims from the school telling students they would make certain amounts of money. Everyone working at the school reassured me and the prospective students that these claims were in the past and the school was different now. Of course, I believed it and proceeded to apply to the school and be surprised when I got accepted thinking it meant they liked my work and saw potential in my photography. 

Then shortly after I started going to XXXX XXXX, it got sold to XXXX. Immediately everything changed. They sold the old school where XXXX XXXX started. XXXX changed a bunch of staff members. And as a young adult, I got pressured in to always applying for and taking the maximum amont of student loans that I could. Even after asking why because I could tell it was too much, the " counselors '' pressured me in to taking the XXXX amount. I was told multiple times to take the XXXX amount and then immediately pay back whatever I thought I didn't need. Looking back, I see how obviously predatory this was but at the time I did not know any better. 

I was not alone in this practice. All of my friends and classmates that needed help paying for the extremely expensive schooling were told the same things. Take the XXXX amount whether you need it or not. 

We were also told time and time again that we could come out of school and immediately be making upwards of XXXX per year as professional photographers. Few of my classmates found work as photographers and none of them made anywhere near that amount. 

XXXX and XXXX XXXX lied and preyed on students repeatedly for many years. This is why all students who attended that school should have their loans canceled and all the money, including interest, should be returned to the students who fell victim to that predatory school. 

To date, I have paid {$97000.00} in private loans and I'm one of the lucky ones that managed to have a relatively lower, though still predatory and ridiculous, amount coming out of that school.

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 2024-05-07 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I did not grant permission for the inquiry. There has been no communication with this lender on the specified date.

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 2024-05-06 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 am being taken advantage of as a consumer. They keep reporting this inaccurate item without providing me evidence of them fully verifying the information as required by the FCRA. This is my notice that I will be seeking legal action against them.

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 2024-05-06 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. The account is hurting my ability to obtain credit. Its my understanding that TransUnion will investigate this account for me to ensure accuracy. The account that I am asking to have verified for accuracy is : XXXX XXXX There are no account numbers listed on ANY of my credit reports.

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 2024-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-05-06 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:
PLEASE BLOCKED AND REMOVED I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

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