vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-12 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form 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 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 XXXX XXXX XXXX Personal Information for Experian NAME : XXXX XXXX XXXX - It is imperative that you remove any name in your system which does not match the first and last names listed on this letter . My only name is XXXX XXXX CURRENT ADDRESS : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/2023 - I need you to delete any address in your system that varies from XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX It will ensure the database has accurate information about me.

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 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX This account has been opened under my name without my authorization or permission. I have reached out o the bank and nothing was resolved. I have pure rights and am entitled for my name to be secured without being tampered with. I have no knowledge of this account. Attached is the FTC Report, Police Report. This has been submitted over to a collection agency which I have no knowledge of CREDIT COLLECTION SERVIC XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: GA

Complaint narrative:
I hope this letter finds you well. I am writing to express my concern regarding the reporting of transactions or experiences between myself and Capital One on my consumer report, which is a clear violation of the Fair Credit Reporting Act ( 15 USC 1681a ). Which clearly states that you can not report late payments to a third party data furnishing company that you do not own ( other than agents of the institution ). The Fair Credit Reporting Act ( 15 U.S. Code 6803 ) also states that you can not disclosure any non public information about me without my knowledge or expressed consent. 
According to Congress, CAPITAL ONE may also be in violation of 15 U.S. Code 2068, which clearly states that my consumer report can not be distributed in commerce if the manufacture knew or should have known of such voluntary corrective action. In addition the Fair Credit Reporting Act ( 15 U.S. Code 2069 ) states that aforementioned violation of 15 U.S. Code 2068 requires monetary relief not to exceed {>= $1,000,000}. 

I have identified the following issues : Late payments ( transactions or experiences ) being furnish on my consumer report. I believe these matters warrant resolution before resorting to arbitration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2023-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Hello, on XX/XX/2023. I summited a dispute of an unknown inquiry. I want to disregard this complaint as it was done by me and I did not recognize the name at the beginning. Inquiry for XXXX XXXX XXXX XXXX was done by me and I would like to remove the past dispute. Thank you for your help and time. 
Complaint number with XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: HI

Complaint narrative:
This represents my 2nd communication via CFPB in which I am addressing the matter of inaccurate and misleading data present within my credit report. As previously communicated in my dispute dated XX/XX/2023, I stressed the negative consequences of having an erroneous credit profile, which has resulted in repeated rejections from potential employers during my job applications. The current circumstances have left me deeply concerned, as securing employment promptly is of utmost importance to prevent undue hardships for my family. What is particularly frustrating is that your inaccurate credit reporting not only impacts my financial standing but also severely diminishes my overall quality of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: HI

Complaint narrative:
This represents my 2nd communication via CFPB in which I am addressing the matter of inaccurate and misleading data present within my credit report. As previously communicated in my dispute dated XX/XX/2023, I stressed the negative consequences of having an erroneous credit profile, which has resulted in repeated rejections from potential employers during my job applications. The current circumstances have left me deeply concerned, as securing employment promptly is of utmost importance to prevent undue hardships for my family. What is particularly frustrating is that your inaccurate credit reporting not only impacts my financial standing but also severely diminishes my overall quality of life.

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 2023-12-12 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
from my Zelle number XXXX miss typed An incorrect electronic transfer from my XXXX  XXXX XXXX application via Zelle transfer to Zelle account for XXXX $ to XXXX which was not the receiver correct mail id which was on XX/XX/2024 Zelle account was a email id : XXXX ( XXXX XXXX ) confirmation number : XXXX Scammer identity provider details XXXX mobile number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: MI

Complaint narrative:
An application for SAVE IDR was submitted the first week of XXXX and I received notice that it should be completed in about XXXX weeks and that I would receive updates on the application status every XXXX days. I was notified that due to the increased number of applications, processing time would take longer than expected, however, no timeline for the expected decision on the application was provided. Due to an over two-month delay in processing of my IDR ( SAVE ) application, my loan payments were placed on administrative forbearance and continued to accrue interest. While it was expected that interest accrues during the first month payments began in XXXX the delay in processing has resulted in three additional months of accrued interest, totaling {$6900.00}. I have emailed Nelnet and spoken to a customer service representative regarding this and was told I would be responsible for the additional months of interest while the IDR application was being processed. I was also told that due to Nelnet and federal agencies not having an adequate number of employees after budget cuts, the processing times for IDR applications took longer than expected. The poor planning on behalf of Nelnet and the federal government should not make me accountable for the additional interest that was accrued as a result. My application was submitted in early XXXX and I expected to be making payments in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX ( Original Creditor : 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 XXXXXXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX XXXX XXXX Personal Information for Experian NAME : XXXX XXXX XXXX - It is imperative that you remove any name in your system which does not match the first and last names listed on this letter . My only name is XXXX XXXX CURRENT ADDRESS : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/2023 XXXX I need you to delete any address in your system that varies from XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX It will ensure the database has accurate information about me.

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 2023-12-12 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: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I purchased a service on XXXX the XXXX and I was promised a guarantee with this service. After failing to provide that I opted out to cancel this service. The merchant declined with no reason. I then reached out to CITI to file a dispute. I provided them documentation showing the guarantee. I have tried multiple times to resolve this but the merchant has no interest in solving this dispute. 
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 2023-12-12 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.

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Fifth third bank wrongly denied my dispute for a charge to my account from XXXX XXXX. I ordered XXXX internet. XXXX XXXX sent me a box. Then I sold my home so I did not open the box. I called XXXX and asked if I could use the box at my new address. They said no. So they sent me a shipping label to return the un-opened box. XXXX said since I did not open the box and because they could tell that the device was never used, they would not charge me anything. I have this in writing. XXXX XXXX auto billed my Fifth Third account anyway. I disputed it. Fifth third denied my disputed based on evidence sent by XXXX XXXX that says absolutely nothing. I don't think Fifth Third even read it. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: NH

Complaint narrative:
I opened an account with XXXX XXXX  in XXXX to transfer my balance from my XXXX XXXX XXXX XXXX card to, as the XXXX card offered 0 % XXXX on balance transfers. XXXX sent a check to XXXX and charged my account. XXXX deposited the check, but I never received credit on my XXXX account for the check. My XXXX  account was charged on XX/XX/XXXX. Today, XX/XX/XXXX, I called XXXX to let them know that XXXX finished their investigation, and that they had sent me a letter with the results. I asked XXXX how I could send them those results, and they told me a case number on the phone with no additional information. XXXX asked for the exact account number the check was for, and XXXX told me they could not provide any information on that. I am currently still paying off both balances and not sure if any resolution is in sight. XXXX 's website gives me errors when I try to pull up information related to the transfer or disputes.

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 2023-12-12 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: I.C. System, Inc.
State: OH

Complaint narrative:
My personal information was stolen 2020, authorities were contacted, and a fraud alert was placed on my credit profile. Recently I attempted to obtain a line of credit and realized that accounts that I have no affiliation or knowledge of have been placed on my credit profile. I requested account verification, and this will now be my second attempt to see why these accounts are being reported but are not mine and are a result of identity fraud. Reporting these accounts without my knowledge and consent are violating 15 USC 1681. 

Not only are these companies furnishing accounts without my consent, but are reporting Identity theft accounts, which again are in violation with the FCRA.. 
The account is : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: MO

Complaint narrative:
I have been repeatedly contacted by TrueAccord regarding a debt they allege is owed by someone else. They continue contacting me despite my telling them clearly that I am not the person they are looking for. I suspect that the debt may be owed by a fraternity chapter that I was associated with in the past. I provided them with suggested means of contacting them. 

I have notified that should they continue contacting me I will bill them for my time in assisting them with doing their job.

Company response to consumer: Closed with explanation