vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am filing a complaint regarding a potential violation of 15 U.S. Code 1692b by Transunion regarding XXXX XXXX XXXX Acct : XXXX last verified XX/XX/year> According to the Fair Debt Collection Practices Act ( FDCPA ), this statute prohibits debt collectors from communicating with third parties in connection with the collection of any debt, except as provided in the statute, without prior consent of the consumer. 

Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ;

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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.

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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor violated my rights under usc1681 section 602 states I have the right to privacy. 15 usc 1681604 a section 2 it also states that a consumer reorting agency can not furnish an account without my written instructions. Under 15 USCS 1666Ba creditor may not treat a payment under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: NY

Complaint narrative:
I have been requesting for some time now to have the false and inaccurate information on my credit report to be corrected and removed, but I have been consistently ignored. I know I have rights as a consumer and it is blatantly being violated, this is really insulting and hurting my feelings badly. My life and credit score has been impacted negatively because of these errors being reported 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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been requesting for some time now to have the false and inaccurate information on my credit report to be corrected and removed, but I have been consistently ignored. I know I have rights as a consumer and it is blatantly being violated, this is really insulting and hurting my feelings badly. My life and credit score has been impacted negatively because of these errors being reported 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 non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
found unauthorized hard inquires on credit repot multiple in one day and several more on other credit agencies mainly experian 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 XXXXXX/XX/year>

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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
To Whom It May Concern It has been brought to my attention that XXXX continues to ignore my requests for the removal of these items that have already been successfully removed from my XXXX credit report. 
Therefore, I am requesting again that XXXX remove these items below from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 
I demand the following accounts be verified or removed immediately. 
1. 15u.S. Code 1692e- False or misleading Repsentations XXXX XXXX XXXX XXXX Account number # XXXX  XXXX there is some inaccurate information reporting XXXX XXXX XXXX XXXX Account number # XXXX 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXXXXXX Account number # 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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am filing a complaint regarding a potential violation of 15 U.S. Code 1692b by experian Acct : XXXX XXXX  # XXXX And XXXXXXXX XXXX XXXX # XXXX According to the Fair Debt Collection Practices Act ( FDCPA ), this statute prohibits debt collectors from communicating with third parties in connection with the collection of any debt, except as provided in the statute, without prior consent of the consumer. 


Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ;

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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This is in addition to my previous complaints. I have requested for one of my accounts to be closed because of identity theft. The account got compromised and I request for the credit bureaus to delete it from my credit report. The bank already closed it, I just need your help to remove it totally from my credit profile. I have attached the proof and letter that I received from XXXX themselves regarding this. 

That account is fraud and was used by the thieves. Please delete this fraud account : XXXX - XXXX - XX/XX/XXXX. Along with the remaining fraud inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have attached here my FTC reports, IDs, and proof of address.

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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This is in addition to my previous complaints. I have requested for one of my accounts to be closed because of identity theft. The account got compromised and I request for the credit bureaus to delete it from my credit report. The bank already closed it, I just need your help to remove it totally from my credit profile. I have attached the proof and letter that I received from XXXX themselves regarding this. 

That account is fraud and was used by the thieves. Please delete this fraud account : XXXX - XXXX - XX/XX/XXXX. Along with the remaining fraud inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have attached here my FTC reports, IDs, and proof of address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I had made 2 transactions on XX/XX/XXXX worth {$29000.00} and {$10000.00} to move the money into another savings. Following that transfer, I believe my account was blocked because two transactions to transfer balance {$2000.00} left in my Marcus Goldman Sachs account were reversed and blocked by Marcus. It has now been 13 days since I had made the transfer request. I have not been able to get a straight response from the customer service. I have been told that I will receive a call from the " Special Security Case '' team and " Review '' team. All attempts have failed and this seems very suspicious from the bank to hold my hard-earned money for this long.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: CA

Complaint narrative:
On or about XX/XX/XXXX, FEMA ( and the state of California ) declared a MAJOR DISASTER for the California Severe Winter Storms, Tornadoes, Flooding, Landslides, and Mudslides ( XXXX ), which greatly affected both my residence and my employment from the approximate dates of XX/XX/XXXX - XX/XX/XXXX. In requesting a Natural Disaster forbearance be applied to my Firstmark Services serviced private student loans for said declared disaster ( affecting much of California, notably XXXX XXXX XXXX where I reside & work as XXXX XXXX XXXX XXXX ), I have been repeatedly accosted and denied this ( and previous ) Natural Disaster forbearances by the company -- meriting urgent assistance and remediation herein. 

In previous interactions with Firstmark Services, I have advised senior management that as a XXXX XXXX XXXX XXXX XXXX, I often relocate temporarily due to current assignments, and private duty cases which I opt to employ, under my own XXXX XXXX XXXX XXXX  ). In said interactions, First Mark Services has refused to assist me in this matter and neglected my requests to explain my matters to senior Management, and has instead opted to deny my requests for this ( and prior ) Natural Disaster forbearances, threaten me with unfounded diatribe & a default of my loans, and have ( in XXXX ) arbitrarily removed already-placed forbearances due to their own negligence and " errors '', while continuing to accost and threaten me with letters sent via email from First Mark Representative XXXX XXXX XXXX XXXX XXXX with none of her contact information provided -- further ailing the severely affected Borrower ( myself ) as a result of said Natural Disasters. 

At this time, I kindly request urgent and immediate contact from First Mark Services Senior Executive Management, to ensure the placement of my First Mark Services serviced loans on a Natural Disaster forbearance to cover the allotted 90-day Forbearance as allowed by law, for the California Severe Winter Storms, Tornadoes, Flooding, Landslides, and Mudslides ( XXXX ). Kindly ensure that I am contacted immediately to facilitate this matter 's full, fair and final resolution -- prior to engaging further Consumer and Civil action to ensure the placement of this Natural Disaster Forbearance as previously advised. 

Thank you kindly in advance for your urgent attention to this profoundly distressing matter, and I look forward to a full and immediate resolution expediently.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly 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
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Multiple credit inquiries to my information on same day to multiple lenders. None were initiated by myself. The inquires were made by : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Multiple credit inquiries to my information on same day to multiple lenders. None were initiated by myself. The inquires were made by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
A CapitalOne Mastercard was opened in my name but I did not apply for one. 
XX/XX/year> : I called CapitalOne to alert them that I did not apply for this credit card so they closed the account and said my identity was likely stolen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
XX/XX/2024 bank is not able to approve for bank card while given name has open credit account with bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
My XX/XX/24 statement balance was {$3000.00}. I made payments totalling {$2900.00} from my checking account and had also requested to cash out my cash back rewards for the period in the form of a statement credit, which I have done monthly for probably the last 6 months. I always pay my account balance in full each statement period. Apparently something went wrong with their system and my rewards didn't post to my account as I had requested. Thus all but {$39.00} of my statement balance was paid. However, I was charged anastronomical {$51.00} in interest. I requested the bank refund the interest due to their error in posting my rewards but was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: StellarFinance, Inc.
State: ME

Complaint narrative:
On XX/XX/XXXX I was expecting a credit report as apart of my service with StellarFi ( their Permium Plan ) and did not receive it. I also noticed that StellarFi had not reported my credit building credit line to XXXX since XX/XX/XXXX. I have been a customer since XX/XX/XXXX. On XX/XX/XXXX I contacted StellarFi customer service and asked them why they were not providing a credit report for the month of XXXX, and why haven't they reported my line of credit since XX/XX/XXXX, a 6 month delay in credit building. XXXX confirmed that the company will not be able to resume services as agreed until approximately XX/XX/XXXX. I asked them why they didn't notify there customers that they were not going to be able to meet the terms of agreement and got no answer. I asked for a credit for those months and was refused. Unfortunately many consumers believe that there service has been reporting a credit limit in order to rebuild there credit as advertised to 2 bureaus and the company is scaming them. Please do an investigation and help notify there customer of StellarFi 's breach of contract.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
unfortunately, I am a victim of XXXX XXXX  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-07-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: NY

Complaint narrative:
WE WERE SCAMMED BY NELNET!! 
We have 5 active parent plus loans through Nelnet. Two of our loans originating in XXXX were on a graduated repayment plan with approx 2 years remaining. Last month, we noticed the repayment terms had been changed by Nelnet to an extended graduated repayment. This was done without our knowledge or consent. This change in terms extended our repayment 15 additional years and will result in 10x the interest that we would have paid over the next 2 years. We contacted Nelnet multiple times to question this change and were advised that due to a federal regulation, all loans had to be modified to the same repayment terms. We could not locate any such federal regulation stating this. We requested this information through Nelnet and have not received any correspondence. They are refusing to change the two loans in question back to original payment terms. We had signed promissory notes when taking out these loans and Nelnet is stealing consumers money by extending their loan terms and collecting more interest on those loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
unfortunately, I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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