vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-06 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: IL

Complaint narrative:
XXXX XXXX XXXX / XXXX Unauthorized use of my credit. 
Violation of U.S.C. 1681b. 

Which, Prohibits a person from using or obtaining a consumer report, " unless ... the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished by the consumer. 

My name is not and never was XXXX which is associated with this fraudulent account. 
I never lived at the address XXXX XXXX XXXX XXXX XXXX, VA which is associated with a fraudulent account. 
The anccount obtained and the information published on my report regarding this information is an act of Identity theft. 

This is a notice of Identity theft! 
Reporting information that involves identity theft is a violation of the FCRA. Knowingly reporting after notice is also a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Approximately late XXXX XXXX, I have been working with XXXXXXXX XXXX to obtain a Mortgage Loan. My Lender ran my credit report, initially, I was told there were two files under my name, and I would need to send a letter to them to verify my name, and address and provide a copy of my Social Security Card. I was told there was a fraudulent alert on my credit file. I was told once I submitted these documents, then my file would be updated. I provided Equifax with copies of my documents, I contacted them to verify that my credit file has been updated. My lender has since ran my credit report a couple of times to which it is still showing fraudulent. I contacted Equifax today, I spoke to XXXX to verify my address and to find out why my credit report is still showing fraudulent. I was assured by XXXX my credit file has been updated, I was told there are no freezes, or fraud alerts, and my current address is what they have on file. My lender ran my credit again, which it is still showing fraudulent. Because of this, it is affecting me from proceeding further in the mortgage process and is damaging my credit score, which I have worked very hard to improve.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Ensuring punctual payments, I have never experienced delays on this account. I'm unsure why there are indications of late payment remarks on my accounts.

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 2024-02-06 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: GA

Complaint narrative:
Hi, my name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

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 2024-02-06 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: GA

Complaint narrative:
Hi, my name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

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 2024-02-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Comenity Bank recently took over Dell accounts in XXXX. They have been a nightmare. It took forever to transition the account and people who were set up on autopay had to redo everything. I took them forever to send my new account information. I recently set up autopay to avoid missing a payment and they STILL didn't process the payment, instead they provided a statement saying it COULD take 1-2 Billing cycles. A major inconvenience. I've spoken with many rude agents who only know their mission is to collect. The last agent/supervisor I spoke with was XXXX, but should be shady. I explained to her after numerous calls from their autodialing that I normally have the funds taken out automatically and I thought this was fixed. Instead, she said no and refused to reverse the late fee because it was done before. The late fee from before and now are all due this merge and take over and I shouldn't be penalized for that. I am asking for the late fee to be removed and to insure my account is set up on autopay since I made the request in XXXX!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-06 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:
As I understand it, under FCRA 605B, wrongly reported accounts should be taken off credit reports. I'm not sure what went wrong, but please check the accounts in the documents. They are inaccurately reported on my credit, causing distress. I need your help.

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 2024-02-06 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: OH

Complaint narrative:
Account name XXXX Account number XXXX Account type Charge Card Responsibility Individual Request for Removal of Unauthorized Inquiry Pursuant to FCRA Section 1681b ( a ) ( 2 ) Dear Experian XXXX XXXX XXXX XXXX I am filing a complaint an unauthorized inquiry that appears on my consumer credit report. Pursuant to Section 1681b ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), I did not provide written instructions or consent for the disclosure of my personal information for the purpose of obtaining a consumer report. This unauthorized inquiry is in violation of FCRA regulations and constitutes potential identity theft. The unauthorized inquiry has resulted in credit denials, causing significant financial harm and potential damage to my creditworthiness. Under Section 1681n-B of the FCRA, I am entitled to pursue civil liability for willful non-compliance, with potential damages of up to {$1000.00}. In accordance with FCRA guidelines, I request the immediate removal of this unauthorized inquiry from my consumer credit report. Removing this inquiry is essential to safeguarding my identity and protecting my credit standing. I kindly request a thorough investigation into this matter and prompt action to rectify the unauthorized inquiry. Upon completion of your investigation, please provide written confirmation of the removal of the unauthorized inquiry from my consumer credit report. Thank you for your attention to this urgent matter. I trust that you will handle this dispute in accordance with FCRA regulations and take appropriate steps to resolve it promptly. Sincerely,

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 2024-02-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: GA

Complaint narrative:
To : DEPT OF EDUCATION/NELNET I, XXXX XXXX , a consumer, am notifying you that I dispute this alleged debt under 15 USC 1692g . I REQUEST THAT YOU PROVIDE ME VERIFICATION OF THIS ALLEGED DEBT.

VERIFICATION CONSISTS OF PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED.

Since this debt is disputed under the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. 

I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. 
This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 

You are in noncompliance with the Privacy of the Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information with nonaffiliated third parties and not providing me a notice that complies with section 6803 and allowing me to opt out under 15 USC 6802.

I request that you provide me the Aggravated Value Of Purchase showing how much you paid for this debt. 
IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING. 

THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: WA

Complaint narrative:
On XXXX, Lexisnexis sent my insurance company a report with a negative code " Percent of accounts reported in the last XXXX  months to total accounts on file ''. After multiple calls to lexisnexis, they stated that this means that they were comparing XXXX years of accounts on file to XXXX months of active accounts. 
I have XXXX active accounts and XXXX accounts that were paid in full and closed more than XXXX months ago. This resulted in a negative score for my insurance company and increased my insurance rates. The information is correct. Lexis nexis is not compiling it properly. 
They are comparing XXXX years against XXXX  years and giving me a negative score. 
When I finally talked to a supervisor ( XXXX ) She told me that all the can do is file a complaint with XXXX. The XXXX  information is not the problem. The problem is HOW lexisnexis is interpreting that information. 
I asked how I could challenge or dispute this finding and she told me that there is NO WAY to dispute the lexisnexis code and they would not remove this unwarranted negative mark against my insurance score.

As a resolution, I would like to be able to dispute this score and have this negative mark removed and a new, accurate report generated for my insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: MO

Complaint narrative:
STILL LYING ABOUT THE ISSUE INSTEAD OF STILL WORKING ON THE ISSUE is real truth AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-02-06 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: CA

Complaint narrative:
I called to see if the inquiry could be removed they told me I need to file a police report which I did and contact the credit bureaus which I also did. XXXX told me to make a complaint on this website so here I am making the complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have noticed multiple hard inquiries on my credit file, that are incorrect and would like them to be removed. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: PA

Complaint narrative:
Please update my account and remove the inaccurate late payment. I always pay on time and never missed a payment. I'm begging you please update my account.

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 2024-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2023, I sent an ACH payment to my daughters account at XXXX  XXXX from my account at US Bank. This payment was to be for a deposit to her IRA. My understanding is that she could only accept {$5000.00} for an ACH, so the payment amount was {$4900.00}. After several days, the ACH had not gone through, but the payment had posted to my US Bank account. I called XXXX XXXX, and they needed the ACH Trace ID to find the transaction. I have called US Bank many times over the past 5 weeks, and the Fraud Department keeps submitting a dispute to their disputes department, because they admit that the required Trace ID was never given to the ACH transaction, and they can not track the funds. After going back and forth, today I spoke again with the Fraud Department, and they resubmitted the dispute again. Meanwhile, no funds have been transferred to XXXX XXXX for over 5 weeks. US Bank needs to provide me the mandatory Trace ID for both the transmittal of the ACH, and the receipt from XXXX  XXXX, so that XXXX XXXX can find the payment. I do not believe the payment was ever sent, which is a sentiment shared by some of the people I have spoken to at US Bank.

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 2024-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CT

Complaint narrative:
I made a mobile deposit to my USAA checking account with a bank check in XX/XX/XXXX. Half of the funds were put on hold and as of XX/XX/XXXX they are still on hold. This put me in a state of having insufficient funds to pay my automatic bills. When I called to complain they said the funds would not be available until XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
I called XX/XX/XXXXXXXX  to notify the MOHELA representative about the Covid 19 Emergency announcement on the studentaid website. Since my recert date is before XX/XX/XXXX, my recertification date should be XX/XX/XXXX ( pushed off by 1 year ). I was told that my IDR recertification would go through, and my XX/XX/XXXX bill would be the same. My MOHELA bill for XXXX reflected the continuation of my XX/XX/XXXX bill of {$420.00} I logged into my MOHELA account today and saw no XX/XX/XXXX bill, only a message telling me to recertify my IDR plan. 

I called MOHELA again today XX/XX/XXXX and the representative stated that I would be on hold and then hung up on me. I have tried calling again but have not received a call back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Javitch, Block & Rathbone LLC
State: KY

Complaint narrative:
I was sent a summons XX/XX/XXXX  to which I responded promptly askin to send me proof of the purchase agreement to verify that this debt is mine. 
I received statements with all accounts painted over with black marker and the last four of the account number. 
I responded in a timely manner and requested the purchase agreement I received the statements again about the credit card and the rules and regulations. 
Nowhere to see how this can be mine having my signature on the documents

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 2024-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Stellantis Financial Services US Corp.
State: MI

Complaint narrative:
My vehicle was totaled by insurance company XXXX XX/XX/2023 insurance covered a portion, XXXX my gap coverage covered a portionXXXX i have a XXXX warranty that initiated to be canceled XX/XX/2023 First Investors ( my finance company ) initiated the cancellation they advised it takes 4 weeks to complete I have called and made several attempts to resolve my concerns i was told that i would receive requested document and that the amount I owe would be negotiated once the warranty funds were placed towered the remaining balance I can not move forward and return to normal living until I'm able to close out loan the balance owed to First Investors IS XXXX I have spoken with several reps with no end solution.

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 monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
Onemain is an account showing wrong late payments in my credit report .... when is not ... ... .I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.

Company response to consumer: Closed with explanation