vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
15 U.S. code 1681s ( A ) ( 1 ) A States 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. 15 U.S. code 1681e States Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c. This title and to limit the furnishing of consumers reports to the purpose listed under section 1681b of the tile.

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 2024-02-27 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: FL

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX Balance Owed : {$560.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank has not allowed me to log into my account for months, giving me the error : " Our system is experiencing technical difficulties at the moment. Please try again later. ". 

The chat bot on their website seems broken, continually telling me : " Oops! My wires got crossed for a second. I may have missed something. Can you please try again? '' and when I click the button to contact support I sit in queue for days with no response : " Please wait until a support agent joins your session '' There is no way to email support or get in to my account to cancel my card.

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 2024-02-27 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:
First of all the multiple choice questions leading up to this, well I had to chose the best answer, because the selections didn't quite fit my issue. 

I do not own or rent a property at XXXX XXXX XXXX XXXX, XXXX XXXX, IN XXXX. I have already submitted my FTC ID theft report to Experian after receiving a notice in the mail from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) that their business partner XXXX XXXX XXXX leaked my information, including my social security number and sensitive medical information. According to the notice " bad actors '' gain unauthorized access have stolen my identity and sensitive medical information. Upon learning this, I checked my credit report, and found that there is an address on my credit report that I do not recognize. Apparently bad actors have also added a property that I know nothing about to my credit report also. I am disputing this information, but Experian is giving me a difficult time uploading supporting documents. Experian has emailed me telling me they have denied my dispute because I have not sent additional required information such as ; my ID and bill, etc.. I have been trying multiple times on multiple days to upload this information via the link they provided " https : //www.experian.com/consumer/upload/ ''. 

I have recorded a screen shot of their website denying my upload of supporting documents. This has happened numerous times on multiple days. I noticed this happened when I started trying to upload the Notice of Data Breach. It is as if they are selectively denying the upload of information regarding data breaches. They are creating a barrier to consumers addressing and disputing inaccurate information on their credit. 

I recorded a screen shot of the Experian upload broken process. 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 2024-02-27 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: KS

Complaint narrative:
I respectfully request that you conduct a comprehensive investigation into this matter, acknowledge the mistake, and expeditiously correct it by removing the unauthorized inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
this account is reporting to my credit reports twice which is inaccurate. the amount is also inaccurate. and child support is also not a loan or line of credit and therefore should not be reported to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: TX

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 XXXX XXXX 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 2024-02-27 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: LEXISNEXIS
State: MO

Complaint narrative:
I recieved a false report from my insurance company who dropped me because of false claims negligence and discrimination provided by Lexis Nexis. This is not the first time the company has violated my human rights as a consumer. The company said I filed XXXX home owners Insurance claims to XXXX XXXX and they denied my services and would not extent or remove the false documents on my consumer profile. 15 usc 1681b Permissible purposes of consumer reports. This violation states that without written permission from the consumer ( me ). Lexis Nexis is a consumer reporting agency that violates all consumers. Lexis Nexis is to be held liable and accountable for breaking the law 15 usc 1605 ( a ) ( b ) ( c ) ( d ) and ( e ) The sum total of damages in the amount of XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XX/XX/XXXX, I received a notification via email from XXXX XXXX that a collection account could be adversely impacting my credit score. I immediately initiated a dispute with all three credit bureaus as I felt I was the victim of fraud. On XX/XX/XXXX, I received notifications Transunion and XXXX that the collection account had been validated as belonging to me which I continue to dispute. XXXX appropriately deleted the record. On XX/XX/XXXX, I initiated contact with the collection agency identified as XXXX XXXX at ( XXXX ) XXXX. Their automated system said they recognized my number and that they no longer had my account and I needed to contact XXXX XXXX XXXX XXXX directly. 

On XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX  at ( XXXX ) XXXX and spoke to an agent who looked up the account using my social security number and advised there was a balance of {$210.00}. He stated that the account was opened in a retail store on XX/XX/XXXX, using my name and social security number. I asked him what documentation XXXX XXXX XXXX had used to validate the identity of the person who opened the account, and he could not tell me that. He advised that he could not tell me the location of the store but provided the account number ( XXXX ) and the mobile number XXXX. I asked him to provide the mailing address on file and he said he could not provide it ; he could only validate it at which time I recited my home address and he said it was not. He instructed me to initiate a fraud claim online at www.attfraud.custhelp.com. Upon initiating that process, I learned that XXXX XXXX XXXX  requires that a police report be filed which I did. 

I also learned that XXXX XXXX XXXX XXXXequires that I download and complete a XXXX form and have it notarized just to initiate a fraud claim. 

It is the debt collector 's responsibility to prove that the debt is mine. It is not my responsibility to prove that the debt is NOT mine. 

XXXX XXXX XXXX, Transunion, and XXXX are all mishandling this situation as they have not properly validated that the debt is mine by providing documented proof of identification associated with the account and it should have been immediately removed from my credit report and not substantiated as a valid debt.

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 2024-02-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Nelnet, Inc.
State: OH

Complaint narrative:
The loan was XXXX in a bankruptcy on XX/XX/2022. The lender transfered to loan to a 3rd party ( XXXX  ) for processing during the bankruptcy and the full amount of {$75000.00}. The 3rd party applied the payment to the Nelnet account. What Nelnet is claiming is that they have accrued intrerest or {$18000.00}, even though the loans were dicharged by the bankruptcy court. Since that time Nelnet has made me pay {$1900.00} on this loan to date and will not honory the bankruptcy discharge. My bankruptcy attorney has told them that the loan was discharged, but they are still claiming the interest on a closed account. Can you pleast help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: AES/PHEAA
State: GA

Complaint narrative:
I received this loan in XXXX as a senior in XXXX school. I was told in order to finish my studies and graduate the following semester I had to take out a private loan to meet the difference on my account. At the time, it was not explained to me the difference between fixed and variable interest rates. It wasnt until recently that I was informed that this is why I have not been able to pay off the loan in 16 years. The original amount for the loan was XXXX. To date ( XX/XX/XXXX ) Ive paid XXXX and I still owe XXXX. I pay over {$300.00} faithfully every month to protect my credit and stay on track. Ive been trying to seek help on this account for years. Unfortunately, I believe I was a victim of predatory lending with my student loans as a vulnerable XXXX senior given this variable interest rate. If I was given a fixed rate the loan would have been paid off years ago. I am seeking help and justice as this has heavily impacted my finances over the years. Essentially Ive paid the loan off and some and Im still paying. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: GA

Complaint narrative:
I do not approve these requests and they are not relevant to my financial transactions. I'm demanding that they be removed from my credit report immediately.

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 2024-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
I am writing this complaint because there is a debt collection company by the name of NATIONAL CREDIT ADJUSTERS who is reporting an alleged debt without a license to collect in the state of Tennessee. I reside in the state of Tennessee, and they require collection companies to have an actual Tennessee business license to collect. This information was requested from them in an initial debt validation letter, but information was not given. This company is also reporting misleading information on my consumer report regarding the alleged debt in question. They are reporting multiple notations of " C '' for Collection every single month. This is misleading and it breaches the law per the FCRA pertaining accuracy and fairness of credit reporting. This is a furnishing error per 15 USC 1681s-2. This company also implicates that communicate could be from an attorney as reported on my XXXX consumer disclosure report. That is also a violation per 15 USC 1692e ( 3 ). This company is ruining my reputation per 15 USC 1692d ( 1 ) NATIONAL CREDIT ADJUSTERS is using abusive and deceptive means to collect the alleged debt. A violation per 15 USC 1692e ( 10 ). NATIONAL CREDIT ADJSUTERS also uses a cartoon animated logo that appears to be a star which is prohibited per FDCPA 15 USC 1692f ( 8 ). These behaviors are illegal and are grounds for legal action per 15 USC 1692K.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: OH

Complaint narrative:
I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-02-27 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: OH

Complaint narrative:
I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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: GA

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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: IA

Complaint narrative:
I recently reviewed a copy of my transition, Equifax and XXXX credit report, and it showed in accurate unauthorized inquiries from the companies list below, that I did not authorize they do not belong to me,, I understand that under the fcra section 604 a can not put a hard inquiry on my credit report authorization without my written authorization or consent I wrote changing Equifax and XXXX XXXX XXXX and requested for them to remove These in accurate heart inquiries more than 30 days ago and have not received any response or relief. HARD FROM XXXX XXXX, XXXX XXXX XXXX XXXX, Unauthorized inquiries from experience, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, hard on authorize increase from equifax- XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: IA

Complaint narrative:
I recently reviewed a copy of my transition, XXXX and Experian credit report, and it showed in accurate unauthorized inquiries from the companies list below, that I did not authorize they do not belong to me,, I understand that under the fcra section 604 a can not put a hard inquiry on my credit report authorization without my written authorization or consent I wrote changing XXXX and Experian XXXX XXXX and requested for them to remove These in accurate heart inquiries more than 30 days ago and have not received any response or relief. HARD FROM XXXX XXXX, XXXX XXXX XXXX XXXX, Unauthorized inquiries from experience, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, hard on authorize increase from 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 2024-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo bank charge me {$35.00} overdraft fee today XXXX XX/XX/2024. I already contact them they refuse to give me the credit back. This is not the first time Wells Fargo have done that.

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 2024-02-27 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: UT

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protective consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX XXXX 15 U.S.C 1681 section 602 a. States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it states, a consumer reporting agency, can not furnish an account without my written instructions.

15 U.S.C 1681 c. ( 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 the records of convictions of crimes, which antidote the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable caused believe that the information is an accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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 am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you DELETE the listed inquiries immediately. 
XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022

Company response to consumer: Closed with explanation