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: EQUIFAX, INC.
State: MS

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XX/XX/ COMPANY VIOLATED MY CONSUMER RIGHTS UNDER 15 U.S. 1601,1602, 1605

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: 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 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

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: PA

Complaint narrative:
I, XXXX XXXX, am verifying that I, XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : 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. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything 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 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: VA

Complaint narrative:
I am a victim of Identity Theft. There is several accounts, inquiries, and addresses that does not belong to me nor did I authorize. I have notified XXXX, XXXX, and Transunion of this matter and have yet to get a proper response. All 3 bureuas are in violation of several FCRA laws such as FCRA 605B ( 15 U.S.C & 1681 c-2 ) which states that the following accounts must be remove within 4 days of receipt. I have file a complaint with The FTC and was provide with a Identity Theft Report and I also filed a police report with my local Police Department which both are attached.

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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am a victim of Identity Theft. There is several accounts, inquiries, and addresses that does not belong to me nor did I authorize. I have notified XXXX, Equifax, and XXXX of this matter and have yet to get a proper response. All 3 bureuas are in violation of several FCRA laws such as FCRA 605B ( 15 U.S.C & 1681 c-2 ) which states that the following accounts must be remove within 4 days of receipt. I have file a complaint with The FTC and was provide with a Identity Theft Report and I also filed a police report with my local Police Department which both are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I now have a collection on my XXXX Credit report listed under Radius Global Solution.

This is NOT MY Account or a debt that I ever owed. I have contacted XXXX to file a dispute, but have not heard back from them. I was a victim of identity theft several years back and I believe this another debt collector attempting to collect for a debt that was never mine to begin with. 
No one from that collection agency has contacted me at all. It has all of a sudden shown up on my credit 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 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: Experian Information Solutions 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.

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: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
My wife and I got all our information stolen. Someone opened a loan with this company called XXXX/UAS. I found out I was victim of a fraud months later where even my bank account was stolen. I filed a bunch of paperwork with this company including a police report and a fraud claim and they last almost a year without giving me a response. I sent a lot of emails in a frequent basis and call them at least three times a week. I explained them that I never head about either XXXX  or UAS before checking my credit report. The companies have done nothing and they keep telling me that they spoke with someone in the email address XXXX which is not an email on use by me. I asked them to send me the contract or some kind of promissory note and until this date nothing. I being fighting with this company for over a year. 

My address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX VA XXXX

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing this complaint to CAP ONE AUTO for allowing fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account is reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hard inquiry - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX I appreciate your prompt attention to this matter. 
Thank you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
The car loan was paid off by insurance. The collection company is charging me interest because interest was charged while they waited for the insurance company to pay

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hard inquiry - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX I appreciate your prompt attention to this matter. 
Thank you. ''

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hard inquiry - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX I appreciate your prompt attention to this matter. 
Thank you. ''

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: WA

Complaint narrative:
On XX/XX/2023 I submitted an application to Nelnet via StudentAid.gov to be placed on the SAVE plan, an income-based repayment plan for student loans that was recently made available. 

According to StudentAid.gov, Nelnet completed their application review on XX/XX/2023. However, according to Nelnet, they received my application on XX/XX/2023, and are still in the process of reviewing it. 

There are two issues here : One, the Department of Education sent the wrong application to Nelnet, which isn't Nelnet 's fault, but I did call Nelnet on XX/XX/2023 to ask whether I would still be placed on the SAVE plan given that the application did not even include " SAVE '' as an option. The representative told me I would be placed on the lowest cost plan, which is the SAVE plan. I also waited on hold for over two hours to speak to a representative, which I have heard is a very common occurrence. 

Two, Nelnet is taking so long to process my application that I was forced to make a payment at a higher rate based on a plan I had selected before the pandemic. The representative was unable to give me any kind of timeline for when they will get the application processed, other than " hopefully before your next payment is due '' ( to paraphrase ). 

I, and many other people, are currently stuck paying more than we would otherwise need to if Nelnet were processing these applications in a timely manner. I applied for SAVE a full seven weeks before my first payment was due, and they still have not processed the application. 

I also am continuing to accrue interest at the normal rate because I am not yet on the SAVE plan ( which subsidizes unpaid interest beyond the minimum payment ), thus costing me more in the long run.

The representative was also unable to tell me why StudentAid.gov 's dates don't line up with Nelnet 's dates in terms of when I submitted this application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Experian is engaging in commercial FRAUD and have violated my Consumer Rights under M.G.L. Chapter 93A, 18 U.S.C. 894, 18 U.S.C. 1028A, 15 U.S.C. 1681 ( e ), FCRA 623 ( A ). Experian is engaging in

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 — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please review the statement below that was provided to Equifax on XX/XX/2023 : I recently received a copy of my Equifax credit report, and I noticed some late payments posted on my credit report : XXXXXXXX XXXX  with account number XXXX XXXX XXXX with account number XXXX XXXX XXXX with account number XXXXXXXX XXXX with account number XXXX Your company is in clear violation of the consumer protection laws outlined in 15 U.S. Code 1681 S-2 ( a ) ( 1 ) ( F ) and 15 U.S. Code 1692e., THE LAW CLEARLY STATES : 15 U.S. Code 1681 S-2 ( a ) ( 1 ) ( F ), reporting during Covid-19, as per this law, in times of declared emergencies, such as the ongoing pandemic, credit reporting agencies are required to update accounts to reflect that payments were not late.

You have failed to meet the requirements of this law, and for that I have submitted a report to the CFPB. 

I assert that the accounts, which is currently marked as late on my credit report, should be updated accordingly to reflect that no late payments occurred during the specified period of Covid-19.

Additionally, I draw your attention to 15 U.S. Code 1692e, which pertains to false or misleading representations. In my view, the late payment entry on my credit report is false and misleading. I have meticulously maintained timely payments for all my accounts, including the one in question. It is disheartening to see this inaccuracy on my report, as it tarnishes my creditworthiness and undermines my financial credibility.

I hereby request that Equifax to rectify this matter promptly by updating the entry for the accounts, to reflect that no late payments occurred during the Covid-19 period, as mandated by 15 U.S. Code 1681 S-2 ( a ) ( 1 ) ( F ). Additionally, I kindly ask that you remove the false and misleading late payment entry from my credit report under the provisions of 15 U.S. Code 1692e.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
On XX/XX/2023 I received a letter in the mail from FNBO that was dated XX/XX/2023 The letter is addressed to me a name, saying that some recent account activity has been put on hold until I called them, and I will not be able to withdraw funds in the account. I called the XXXX number and talk to a young lady I did not open this account. I do not bank with them. She advised me to call credit XXXX XXXX XXXX XXXX and XXXX XXXX and then also go on ftc.gov and report fraud

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 card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I received an email for JP Morgan Chase thanking me for requesting a new credit card on XX/XX/2023. I never requested a new credit card from them. I called Chase and told them I did not make the request. I spoke with XXXX and he said he would write a letter to the Credit Bureau that I did not make the request and I would receive a copy of the letter. My credit score dropped XXXX points and said my debt has increased.

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: 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.

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 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Someone stole my identity and open an account in my name. I have disputed this account several times and sent a ftc report to support my dispute.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America reported that I used there accounts fraudulently. That information they reported was fraudulently, my account was compromised and I received a call from Boa & I notified them that it wasnt me and they indeed said the fraudulent action that was taken on my account would be canceled and then they mentioned a few days later my account would be closed. Ive been disputing this for months and they said it was verified as in they did not take the extra steps to verify any signatures on the fraudulent check that was deposited, IP address or anything as in it wasnt me. The company responded with a mailer stating that the fraud information they noted on my XXXX XXXX XXXX and XXXX that was false was no longer reported and listed as they removed it but it is still listed and Im still getting denied and declined for bank accounts. They have lied again just as they lied and put this false information on my report, lied and said they removed it and its not reporting which it is.

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