vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Nelnet has wrongly declared my account as past-due for an amount way beyond what I am supposed to pay per month while paying on the SAVE plan. This can impact my credit and I am very angry, especially as my forbearance period has just ended and I am going to make my first payment of XXXX as scheduled on XX/XX/XXXX. I do not understand why Nelnet is saying I am past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: ENCORE CAPITAL GROUP INC.
State: PR

Complaint narrative:
My previous letters highlight your many violations of my consumer report under several consumer laws. Your recent response displays your company Midland Credit Management as a habitual and arrogant violator of law as you admit that Midland Credit Management perseus Conclusive presumption of worthless debt once it has been declared a Write off or Charge off under Tax Law 13-35 section 1.166-2 ( d ) ( 1 ) ( 3 ) and Section 2.166 ( a ) ( 1 ) ( 2 ) .Your company Midland Credit Management has violated my rights as a taxpayer to report income to the IRS under the Taxpayer Bill of Rights and Federal tax law Internal Revenue Codes of 1986 ( IRC ) .The Consumer laws are as follows 15 U.S.C. 1681a ( 2 ) ( a ) ( i ) Definitions and rules of construction, 15 US CODE 6802 ( a ) ( b ) ( 1 ) ( a ) ( b ) ( c ) Obligations with respect to disclosures of personal information, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ].

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX 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 has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2023-12-08 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: Chime Financial Inc
State: CA

Complaint narrative:
I currently bank with Chime, and on Wednesday XX/XX/XXXX at XXXX XXXX  in XXXX XXXX, United States I was charged for a XXXX XXXX  cell phone costing XXXX XXXX 
I currently live in XXXX, and I have never been to XXXX. I do not have any account with XXXX. I have contacted chime and my claim dispute # XXXX. I have contacted XXXX and they can not provide me with any information unless I go to the store in XXXX, and provide them with my card that was stolen. Both parties are refusing to provide any responsibility for this fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 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: FL

Complaint narrative:
I sent out a letter to TransUnion and XXXX demanding that they remove 3 unauthorized and fraudulent accounts that were reported to collections. The accounts in play were sold to a 3rd party vendor, which means they are NOT the original creditors. Thus, resulting in the the letter I sent out. Letter was sent out XX/XX/2023, and they received it XX/XX/2023. According to section 609 ( a ) ( 1 ) ( A ) of the fair credit reporting act, it states that ALL credit bureaus are required by federal law to verify, through the physical verification of the original signed consumer contract, any and ALL accounts that you post on a credit report ''. It has been well over 30 days, and the accounts are still present. And they also violated 15 U.S Code 1692c ( a ), I never game them consent to communicate with me in any way. They have been harrasing me for months.

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 2023-12-08 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 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: TX

Complaint narrative:
Upon reviewing my credit report, I noticed some unauthorized hard inquiries made to my credit report. I did not give permission to anyone to run my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX All of this above information is false, inaccurate and this is my second complaint. I have disclosed that I did not live at the residence the XXXX account is associated with. The house was sold to XXXX and XXXX XXXX. I will be attaching the deed title to show proof. This debt belongs to the XXXX not XXXX. I have reached out to this company and they continue to state this is my debt and it is verified which is a LIE. 

I have not lived at that residence in years and this account is from XX/XX/XXXX of XXXX. This information, date, debt, address, is all false and incorrect. You are violating my fair credit report rights.

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 2023-12-09 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CashRepublic Holdings, Inc.
State: TX

Complaint narrative:
Company charged added interest and fees Loan begins with XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX 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 has violated my rights. Or a list of inquiries : 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 2023-12-08 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX 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 has violated my rights. Or a list of inquiries : 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 2023-12-08 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: JPMORGAN CHASE & CO.
State: VI

Complaint narrative:
I was affected by the XXXX breach and believe I am a victim of identity fraud. I asked for proof that accounts were mines and all they sent were statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: VI

Complaint narrative:
I was affected by the XXXX breach and believe I am a victim of identity fraud. I asked for proof that accounts were mines and all they sent were statements.

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 2023-12-08 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 2023-12-08 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
a month ago i received a copy of my credit report and i noticed some accounts that not mine i never used

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 2023-12-08 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
DATE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My wife and I are attempting to purchase a new car. Both of our credit scores are deemed " Excellent '' and are typically XXXX with all three credit agencies. The car company tried to retrieve our credit information from all three agencies, but was unable to retrieve from Equifax. 

I then attempted to unfreeze my Equifax account via the Lock & Alert app. I received an Error 101 message and instructed to call their support number at XXXX 

I called and gave all of the information requested to verify my identity. She put me on hold for 15+ minutes, when a gentleman finally answered and requested all of the same information. He said he would need pictures of my state driver 's license number as well as my Social Security Card in addition to all of the information. 

I refused as this seems quite suspicious of fraudulent activity. 

I asked for a supervisor and he denied me. He stated he was the top of the line and there was no one else above him. I asked for his name and he refused. I asked for his location and he refused. He then hung up on me without unlocking my credit freeze. 

I would like to file a formal complaint against Equifax, legally if necessary. 

Please advise. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: U.S. BANCORP
State: NY

Complaint narrative:
Today is the XXXX XXXX of XXXX I am sitting in my vehicle as we speak it is XXXX XXXX. My car is on a tow hook and they are stealing my vehicle causing commotion outside harassment. 
XXXX has been harassing me and now stealing the vehicle which is against the law which Ive stating in previous complaints. US BANK XXXX XXXX AND XXXX  ARE VIOLATING THE LAW!

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 2023-12-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Braviant Holdings, LLC
State: AL

Complaint narrative:
After my first complaint I tried to work out something with XXXX XXXX told them I can't do a SETTLEMENT, but the refuse to understand my situation. As I mention I'm on a fix income making only XXXX a month. Here is what they told me in an email : XXXX Thu, XX/XX/XXXX, XXXX ( 1 day ago ) to me Dear XXXX XXXX , Thank you for contacting XXXX XXXX . The current payoff on your account as of XX/XX/XXXX  is {$2600.00}. At this point, the lowest offer we can make to settle your account is {$2100.00}. 

In order to secure the settlement, we will need to collect {$530.00} on or before XX/XX/. In addition, you will need to pay the remaining balance within 60 days. 

Please contact our Collections Team as soon as possible at ( XXXX ) XXXX Monday - Friday XXXX XXXX to XXXX XXXX  CT or via email at XXXX to secure this offer. 

Thank you for choosing XXXX XXXX  First off I can't afford XXXX, cause that's just about my whole check and I get paid the last day of the month and can't make it stretch till my next payday. Second only settle for one payment of XXXX and again can't make that payment cause of my fix income. I stated I can pay only {$150.00} a month. That is all I can do. They are refusing to work with me someone who is very XXXX XXXX. I can't call and talk to them cause look at the stress it would have on me, and I'm already having health issues. I give my son XXXX XXXX consent to speak for me. Please CFPB you've got to do something with this company who is not willing to work with me with a {$150.00} a month payment. This is not right. This isn't my fault that I got suddenly ill and can't work a full time job. But they are holding me accountable for it. Times like this I should the XXXX XXXX just go ahead and XXXX XXXX XXXX XXXX XXXX XXXX XXXX so I don't have to live through this kind of treatment from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC
State: AL

Complaint narrative:
I requested that an investigation be launched into my consumer report because there are several accounts there that were not created by me and these accounts have impacted my ability to acquire a bank account. I will attach the letter I sent to the early warning services office.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
a month ago i received a copy of my credit report and i noticed some accounts that not mine i never used

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