vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-09 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: Experian Information Solutions Inc.
State: GA

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 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an 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 1681 s-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. 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 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 2024-01-09 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: MN

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-01-09 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: MN

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 2024-01-09 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items that are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$8200.00XXXX XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items that are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$8200.00} XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ

Complaint narrative:
The business states in the contract that if an account is more than 60 days past due, then there will be a dispute given from the company. Any Service Contract that exceeds 60-days past due will be deemed as voided, and shall be cancelled immediately and without further notice. However, the company calls once a day 7 days a week. When you try to make your payments by phone, they harass you that they cant help you and will repossess at 30-days past due. They put you on hold multiple times and hang up, so that they wont take your payment. They imply theres a contract stating its 30-days past due and will repossess when there was no contract signed by me. Neither the representatives or the recovery team will provide this. They suggest having the manger provide it to you, but you will not hear anything back again. The representatives and recovery team are very unprofessional and ill-mannered. They talk over you and threaten you non-stop with this 30-day contract rule they have. When you finally speak up, they ignore you and hang up. Itll take at least 3-4 times until they will actually take your payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I called to see if my payment was received. Comenity bank advised they didnt receive the payment. When I found this out I then paid off my account with the representative on the phone. The representative advised me to place a stop payment since the payment was lost. I received a bill in the mail for {$30.00} in XXXX. I called Comenity customer service on XX/XX/XXXX I spoke to supervisor XXXX. She advised me that a check was received on XX/XX/XXXX and was attempted to be cashed the same check Comenity advised me to place a stop payment on. I asked if they can waive the fee since it was their customer service that advised me to place a stop payment and my account was paid in full and on time for the duration of my account. She said she will not be able to waive the fee. This doesnt seem fair to me as a customer and I dont appreciate that I have to pay for their faults.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-09 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:
For three months Experian has reported incorrectly on balances that did not exist. One has been on report for three months straight. They are responsible for my credit score lowering from XXXX. I am furious and owe nothing except my mortgage.

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 2024-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to bring to your attention the inaccurate information present on my credit report. I demand that you take immediate action to investigate and rectify this issue. I have noticed that the following information is incorrectly reported : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00}. I remind you that the Fair Credit Reporting Act ( FCRA ) defines the aforementioned inaccuracies as billing errors that must be corrected. The FCRA mandates that all credit information reported must be accurate, complete, and up-to-date. I demand that you take immediate action to rectify this issue. I expect to hear from you within 30 days of receiving this complaint. If you fail to respond within the given timeframe, I will have no option other than to take legal action against your bureau. I urge you to take the necessary steps to rectify this matter as soon as possible. If you have any questions about my request or the credit information in question, please do not hesitate to contact 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 2024-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to bring to your attention the inaccurate information present on my credit report. I demand that you take immediate action to investigate and rectify this issue. I have noticed that the following information is incorrectly reported : XXXX XXXX XXXX Date Opened : XXXX Balance : {$12000.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00}. I remind you that the Fair Credit Reporting Act ( FCRA ) defines the aforementioned inaccuracies as billing errors that must be corrected. The FCRA mandates that all credit information reported must be accurate, complete, and up-to-date. I demand that you take immediate action to rectify this issue. I expect to hear from you within 30 days of receiving this complaint. If you fail to respond within the given timeframe, I will have no option other than to take legal action against your bureau. I urge you to take the necessary steps to rectify this matter as soon as possible. If you have any questions about my request or the credit information in question, please do not hesitate to contact 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 2024-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I hope this letter finds you well. I am writing to bring to your attention the presence of fraudulent accounts on my credit report, and I urgently request their immediate removal. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 
Upon reviewing my credit report, I discovered unauthorized accounts that have been falsely opened in my name. I have attached copies of the relevant sections of my credit report highlighting the fraudulent entries for your reference. 
XXXX XXXX I want to emphasize that I have not initiated or authorized these accounts, and they are a result of identity theft or fraudulent activity. I am taking immediate steps to report this matter to the relevant authorities, but I also request your prompt assistance in rectifying this situation on my credit report. I kindly ask that you investigate these matters urgently and remove the fraudulent accounts from my credit report. Additionally, please provide me with written confirmation once the investigation is complete and the erroneous entries have been deleted.

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 2024-01-09 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: MN

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-01-09 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:
REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES EQUIFAX : 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 2024-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: NH

Complaint narrative:
On XX/XX/XXXX received a letter stating my payments were postponed. Letter attached On XX/XX/XXXX they request income verification. Letter attached XXXX they sent a notice of " income driven repayment annual notice '' showing {$25.00} as my monthly payment. Letter attached On XX/XX/XXXX they sent another notice of " income driven repayment annual notice '' showing {$54.00} as my monthly payment. Letter attached. 

I am not sure what is happening and it is impossible to talk to these guys. Very misleading and confusing information and now I have an overdue amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: NJ

Complaint narrative:
Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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

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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I called TransUnion on Monday, XX/XX/, around XXXX XXXX PT. I called over five ( 5 ) times consecutively, and was disconnected each time. I was successfully able to get passed the XXXX, however, once connected to an agent, every phone call was disconnected. This only happens with TransUnion. I called my cellphone provider to troubleshoot, however, there was nothing wrong with my phone. I am in XXXX XXXX and there is no problem with cell phones in my area. I also have all five ( 5 ) bars displayed on my phone. This problem happens with the offshore TransUnion agents. This includes both XXXX and XXXX XXXX locations.

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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
in Accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account with XXXX XXXX XXXX was properly investigated but how is that possible if the last date of activity is inaccurate, the date reported is inaccurate, and last payment is also inaccurate. This is ground for removal they also violated my rights under 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 alos states a consumer reporting agency can not furnish a account without my written instructions.

Also the credit reporting agency took more then 30 days to complete my investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: WA

Complaint narrative:
XXXX, Equifax and XXXX have reinserted XXXX of the items, Bank XXXX XXXX and XXXX XXXX, that were reported on my identity theft report stating that they were certified as valid by the furnisher. XXXX of the XXXX fraudulent accounts was removed and has not been reinserted. The attached packets contain all information related to this case and have been sent to XXXX, Equifax and XXXX. The XXXX CRA 's are all reporting different information, are violating my privacy by reporting these items and have yet to produce any proof that these accounts are mine. I have been denied credit on XXXX occasions this last month because of their errant reporting of these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 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: WA

Complaint narrative:
XXXX, XXXX and Experian have reinserted XXXX of the items, Bank XXXX XXXX and XXXX XXXX, that were reported on my identity theft report stating that they were certified as valid by the furnisher. XXXX of the XXXX fraudulent accounts was removed and has not been reinserted. The attached packets contain all information related to this case and have been sent to XXXX, XXXX and Experian. The XXXX CRA 's are all reporting different information, are violating my privacy by reporting these items and have yet to produce any proof that these accounts are mine. I have been denied credit on XXXX occasions this last month because of their errant reporting of these items.

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 2024-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Since XX/XX/2023 -- the following are the complaint that I filed with CFPB notifying American Express of the security fraud that they account on my principal account.

My application for your services are registered security which is an obligation of the United States. Which makes it cash and I am not receiving a valuable consideration for each security.

I believe I have given American Express adequate notification that the closure of my accounts is security fraud. American Express continued to ignore my notice of security fraud. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Subject : Dispute of XXXX XXXX XXXX Dear XXXX XXXX XXXX XXXX Department, I am writing to formally dispute an erroneous entry made by XXXX XXXX XXXX on my credit report. This entry, which negatively impacts my XXXX XXXX, suggests that I have an outstanding balance on my XXXX account. However, this claim is incorrect as I have never received any billing statement or communication regarding this alleged debt. 

I first became aware of this issue upon reviewing my credit report from XXXX on XX/XX/24. To my surprise, I noticed a negative entry from XXXX XXXX XXXX indicating a missed payment. I was never notified of any outstanding balance, nor did I receive any billing statements or reminders from XXXX XXXX XXXX, which would have allowed me to address any legitimate debt promptly. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccuracies in my credit report and request an investigation into these matters. I firmly believe that this entry is a mistake, possibly due to a clerical error or miscommunication. 

I kindly request that you investigate this matter promptly and remove the inaccurate entry from my credit report. This error has unjustly affected my XXXX XXXX and could potentially hinder my financial opportunities. I expect a response within 30 days, as mandated by the FCRA. 

Please note that i have been unsuccessful with getting XXXX to resolve the matter. 

Please send me written confirmation of your receipt of this letter, the results of your investigation, and the subsequent actions taken to rectify this issue. If further information or documentation is required from my side, feel free to contact me at ( XXXX ) XXXX or XXXX. 

Thank you for your immediate attention to this important matter.

Company response to consumer: Closed with non-monetary relief