vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-21 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: GA

Complaint narrative:
I HAVE CONTACTED TRANSUNION ABOUT 3 INQURIES THAT THEY CONTINUE TO KEEP REPORTING ON MY CREDIT REPORT.XXXX XXXX XXXX XXXX I TRIED REACHING XXXX XXXX  FROM THE NUMBER THAT IS LISTED ON MY CREDIT REPORT THE NUMBER IS NOT IN SERVICE THIS IS A FRAUDLENT INQURY I HAVE NO OTHER MEANS OF CONTACTING A COMPANY I HAVE ANY OF KNOWLEDGE OF. I HAVE DISCUSED THIS WITH TRANSUNION SEVERAL TIMES OVER THE PHONE. THEY CONTINUE TO DISREGARD THE MATTER. THIS IS A STRESSFUL SITUATION AND HAS HINDERED ME FROM ALOT OF OPPURTUNIES. THIS A DEFLAMTION OF MY CHARCTER. 
In accordance with the fair credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.

in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose In accordance with the fair credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.

in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Sent from

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XXXX  SS # XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXXXXXX XXXX  Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 2. The following personal information is incorrect Employers : XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following personal information is incorrect XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. The following personal information is incorrect XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following personal information is incorrect XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am unable to access my Equifax account, I have never tried to log in and I am told over the phone that they can not find my information for my credit report. I am able to log into XXXX and XXXX XXXX, but not Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party - the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code $ 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish an 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My mortgage servicer is Nationstar DBA Mr. Cooper. After a long process of applying with California Mortgage Relief for money owed during COVID Forbearance, the final step for California Mortgage Relief was to check the status of my mortgage. My application was declined because Mr. Cooper sent a report that my loan is delinquent My loan is current. Mr. Cooper gave me the option of making my payment on any date from the XXXX of the month to the XXXX of the month. I chose the XXXX because that's when I get my XXXX XXXX check. I pay every month through Auto-pay and the payment is received on the XXXX of each month. ( Payments received after the XXXX are considered delinquent ). I sent California Mortgage Relief my last two Mortgage Statement showing that my account is current, but unfortunately, they can only go by the report from Mr. Cooper. The representative from California Mortgage Relief told me Mr. Cooper is one of the worst offenders for giving them incorrect information. 
A representative from Mr. Cooper 's escalation department agreed to have a conference call with me and California Mortgage Relief and she conveyed to them that my account is current. Unfortunately, she was not from the Department that sent the incorrect report. California Mortgage Relief said my only recourse is to apply again and attach a copy of my Credit Report. ( My Credit Report reflects that I have zero late payments and the age of my account is XXXX years and XXXX months ). 
It is irresponsible and disheartening that a person at Mr. Cooper can plug in inaccurate information and make it difficult to speak to them re their error. 
I will reapply. Based on the report from California Mortgage Relief, without your assistance, I don't have much hope that Mr. Cooper will report accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: NY

Complaint narrative:
I was on the front page of XXXXXXXX XXXX website, clicked on the box to apply for an XXXX XXXX credit card that shows 4x points as well as {$150.00} bonus once you spend {$500.00}. I applied, got approved, received a card. Spent the {$500.00} witin one month ( they require within 3 months but I was well within that time frame ). Called to ask where my points and bonus was and was told I didn't get the XXXX XXXX card like I had signed up for. Was told it's now a platinum card. Looked up their platinum card online and it shows the EXACT same information, 4times the points and {$150.00} sign on bonus. They are the exact same, so why am I not getting what they advdertise? Shouldn't matter what type of account they put me in EVEN though I clicked the XXXX reweards card, they offer the same sign on reward for either account when you open a new account. So somewhere they have me screwed up and no one is trying to fix a thing. I have excellent credit as well. I took pictures of their website showing the offers they are giving people to sign up for the XXXX XXXX rewards card AND the platinum card. So they advertise the information to lure you in, and don't give it to you when you earn it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: IL

Complaint narrative:
I have reviewed my credit report and I don't have ownership of a account with XXXX XXXX XXXX XXXX XXXX  nor do I have a collection with XXXX XXXX XXXX. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.15 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. I demand this account to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc.
State: MD

Complaint narrative:
AMSHER COLLECTION SERV Has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 A section 2 consumer reporting agency may not furnish an account without my written instructions, under 15 USCs 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. I contact the company and did not get what I was requesting. On XXXX, this company requested a payment of {$2100.00} and to my knowledge I've never signed any contracts with this organization for them the request payment from me. I would like to validate this debt. This debt is affecting my ability to utilize my right to attain new financial products and it is also violating my right to financial privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XX/XX/XXXX XX/XX/ 15 U.S.C , 1681section 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 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, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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 2023-10-21 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate :XX/XX/ XX/XX/ 15 U.S.C , 1681section 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 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, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: GA

Complaint narrative:
This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. 
XXXX XXXXXXXX XXXX XXXX  XXXX Bank ) XX/XX/2023 XXXX XXXXXXXX XXXX ( Finance ) XX/XX/2023 XXXX ( Bank ) XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXl ) XX/XX/2023 Equifax XXXX XXXX, 2023 XXXX XXXXXXXX XXXX  XXXX XXXX XXXX 2023 XXXX XXXX, 2023 XXXX XXXX XXXX XXXX  ( Bank XXXX XX/XX/2023 XXXX XXXX XXXX ( XXXX ) XX/XX/2023 XXXX ( Bank ) XX/XX/2023 XXXX XXXX ( XXXX XXXX XXXXXXXX ) XX/XX/2023 XXXX XXXX, 2023 XXXX XXXXXXXX XXXX XXXX XXXX, 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: GA

Complaint narrative:
This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. 
XXXX XXXXXXXX XXXX XXXX XXXX Bank ) XX/XX/2023 XXXX XXXXXXXX XXXX ( Finance ) XX/XX/2023 XXXX ( Bank ) XX/XX/2023 XXXX XXXX  ( Hotel and travel ) XX/XX/2023 XXXX XXXX XXXX, 2023 XXXX XXXX XXXX XXXX XXXX XXXX 2023 XXXX XXXX, 2023 Experian XXXX XXXX XXXX  ( Bank XXXX XX/XX/2023 XXXX XXXX XXXX  ( Finance ) XX/XX/2023 XXXX ( Bank ) XX/XX/2023 XXXX XXXX ( Hotel and travel ) XX/XX/2023 XXXX XXXXXXXX, 2023 XXXX XXXXXXXX XXXX XXXX XXXX, 2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: Nelnet, Inc.
State: MI

Complaint narrative:
Nelnet you are in violation of the Fair Credit Reporting Act : This fraudulent student loan was serviced by XXXX  and placed in default by XXXX. The real U.S.Department of Education General XXXX said on a call they are required to review all XXXX XXXX XXXX federal student loan. The results U.S. Department of Education General Counselor are placed in the XXXX XXXX XXXX XXXX XXXX as Defaulted, Unresolved., XX/XX/XXXX and the federal loan was terminated on XX/XX/XXXX for the same reason. Nelnet if XXXX have any problems with your fraudulent federal consolidation loan call the real U.S. Department of Education General Couselor that was assigned to review all of XXXX XXXX XXXX federal student loans for liability purposes. The U.S. Depatment of Education rejected the federal consolidation XX/XX/XXXX. The fraudent loan had Issues like their is not a copy of a orginal promissory note attach with the XXXX XXXX for verification, their is no address of mine the XXXX XXXX does not exists. A school code was used for consolidation from the XXXX XXXX XXXXXXXX XXXX. The XXXX XXXX XXXX XXXX is not a Bank and does not have my history from my lender XXXX XXXX XXXX  and neither did XXXX XXXX who did not keep in track with my payments. All my federal students were made by XXXX XXXX XXXX  in which I paid in full before XXXX XXXX fraudulently consolidate the note without a federal lender education code. Nelnet stole my identiy and placed over {$80000.00} due on my credit reports to steal money from the U.S. Department of Education to collect serviceing fees and bonus. Nelnet you sent me a billing statement requesting {$800.00} due XXXX XXXX XXXX in which I am not going to pay a XXXX. Nelnet you have damaged my credit reports and score for greed. Nelnet send me a receipt that lender with an education code paid my lender XXXX XXXX for a federal consoldation. Nelnet you have prevented me to obtain a mortgage. Nelnet send me the lender name who received the money for the consolidation. Enclose the enevolpe of the servicer of the loan XXXX  in XXXX an the real XXXX Department of Education

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: KS

Complaint narrative:
The company Midland Credit Management refuses to provide the following information : 1. The proof that the contract does not pass the statute of limitations contract law California ( California is 4 years ) 2. The full contract with my signature that I am doing any business with Midland Credit Management. 
3. Provide me with ALL ORIGINAL DOCUMENTS, that show the proof of the balance, interest rate, DISCLOSURE FORMS, and my original signature on the contract. ( DO NOT SEND ME A VERIFY STATEMENT ). Anyone can make up a verified statement. 
4. Did a lawyer review this collection account, you claim I owed? If yes, provide the document the lawyer signed. 
5. The original documents Midland Credit Management has the right to obtain my information This is clear and precise for ALL the documents I am requesting. There has been a misunderstanding or comprehension problem on your side about my request. I hope this clarifies what I need from Midland Credit Management.

Company response to consumer: Closed with non-monetary relief