vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-12 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: GA

Complaint narrative:
This account is not mine : XXXX XXXXXXXX XXXX XXXXXXXX ). I formally requested additional documentation under the Fair Debt Collection Practices Act ; I didnt get that. I asked to provide the following within 30 days : A copy of the original signed purchase agreement, contract, or other documents showing that I entered into this debt voluntarily and that you are the legal owner of this debt. I didnt get that A full accounting of the debt, including the original creditor, the amount owed, interest rate, fees, payment history, and the date you acquired this debt. I didnt get that Your license and credentials to collect debts in GEORGIA XXXX I didnt get that Written notice of my rights to dispute the validity of this debt within 15 days under the FDCPA. I was expecting this requested information to be provided in full, but I didnt get nothing. How did you verify that it belongs to me with no proof? Please DELETE THIS ACCOUNT OFF MY REPORT. Also send physical copies of all documents to my address below. I look forward to your response within 15 days as required by law. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have been repaying Navient for over 30 years. This loan started when I was under XXXX and I am XXXX now. It cost just under {$9000.00} to pay the balance, which Navient now claims is over {$9000.00}. I told them that I didn't want to be in debt for the rest of my life and although {$9000.00} plus was more than I could afford to repay as a lump sum I would appreciate their considering a smaller amount so that I could put this behind me. They emailed me instead with instructions to repay over {$9000.00} within 10 days, claiming that was as long as the offer was good for. I feel like the federal government shouldn't be in league with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/2023 and XX/XX/2023, two transactions occurred from my personal savings account at XXXX XXXX. The first transaction was {$700.00} and the next was {$4700.00}. This money went into an account at Chime Bank under my name, but that account was fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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: PA

Complaint narrative:
XXXXAttention : XXXX XXXX XXXX Dear Equifax Team XXXX I am XXXX XXXX and I recently reviewed my credit report, only to find unauthorized inquiries that I never initiated or approved. 

Upon my own research, I found that the respective creditors associated with these inquiries do not have any documentation suggesting that I initiated or authorized these inquiries. This is concerning as these entries were made without my explicit written or verbal consent. 

Considering these discrepancies and in line with Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports, 15 U.S. Code 1681b, I kindly request the immediate removal of these unauthorized inquiries from my credit report. The specific inquiries in question are : - Creditor : 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 To expedite this process, I have enclosed proof of my identity and current address. I anticipate a timely response and an updated copy of my credit report reflecting the necessary corrections. 

I trust that Equifax will handle this matter with the diligence and attention it warrants. Thank you in advance for your cooperation and understanding. 

Warm regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I was contacted multiple times throughut the day and when i had a moment to answer the guy on the other end was very rude and called me stupid because i said i couldnt pay the debt he then called me stupid because i didnt recognize the debt and he again called me stupid and stated that they bought the debt and could collect even though i explained my situation. That i was unable to pay any debts as my significant other is suffering from a mental disorder and that it took precedence over paying. also they went around me when i didnt respond the first few times and called my mother and sister whom do not live with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2023-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
On Wed, XX/XX/XXXX, XXXX, Nelnet emailed me notifying me of pending messages. The next day I logged in to access them, but there was an issue with the XXXX XXXX, after a reinstall, I went back, but the messages were gone. I tried to phone their support, but was left on hold for hours and could not wait longer. I emailed them, but have not heard back in the weeks since. I also filled out their email contact request form that day and have not heard back either. They are withholding potentially vital financial communications they are legally required to send me, and have obscured and prevented me from accessing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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: NY

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 explanation
Consumer complaint received 2023-09-12 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 kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim. Please take immediate action to rectify this situation and ensure that the account is promptly removed from my credit report. Thank you for your attention to this matter.

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 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

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 2023-09-12 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: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 non-monetary relief
Consumer complaint received 2023-09-12 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:
My Identity has been stolen and several accounts have been opened in my name. I have submitted several disputes but these accounts are still on my report after I have submitted a police report and identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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: TX

Complaint narrative:
Hello XXXX, Trans Union and XXXX keep sending me stall letters every time I send them dispute letters. I have sent about XXXX dispute letters regarding inaccurate information. They either respond with stall letters or they send back investigation results stating accounts have been verified. They are not telling me how they have been verified. 
I need an investigation because I still see inaccurate dates, balance, incorrect and incomplete information on my report. They are not doing their due diligence in making sure everything is 100 % accurate. They are violating the FCRA laws

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 2023-09-12 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:
Hello Equifax, XXXX XXXX and XXXX keep sending me stall letters every time I send them dispute letters. I have sent about XXXX dispute letters regarding inaccurate information. They either respond with stall letters or they send back investigation results stating accounts have been verified. They are not telling me how they have been verified. 
I need an investigation because I still see inaccurate dates, balance, incorrect and incomplete information on my report. They are not doing their due diligence in making sure everything is 100 % accurate. They are violating the FCRA laws

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I APPLIED FOR A HOME DEPOT CREDIT ACCOUNT IN THE XXXX, ALABAMA STORE. WHEN I WAS APPROVED I WAS PROVIDED WITH SOMEONE ELSE 'S LAST NAME AND ADDRESS ON MY CREDIT FILE. 

ALL ATTEMPTS TO MAKE THEM CORRECT THEIR MISTAKE WERE MET WITH INSINUATIONS, ATTREMPTS TO DIVERT RESPONSIBILITY, AND OUTRIGHT LIES. I PROVIDED A COPY OF MY ALABAMA DRIVER 'S LICENSE AND US PASSPORT CARD IN THE STORE. 

CITIBANK REFUSES TO ACCEPT RESPONSIBILITY OR EXPLAIN HOW SOMEONE ELSE 'S IDENTITY WAS MERGED WITH MINE.

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 2023-09-12 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: FL

Complaint narrative:
On XXXX, XXXX, 2023, I sent out a dispute letter about inaccurate information about myself. There are collections that are open and also showing past due of a balance of {$3700.00}. I understand that this is a violation and I wanted to reach out to them about this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This letter is intended to address some issues with your organization 's credit summary. I reviewed them during the time I had and will go into more detail below. 

To understand what rights I have, I researched the Fair Credit Reporting Act ( FCRA ). I learned that the law mandates that all information be accurate. 


Please check my credit report and correct any errors in light of this. The FCRA states that I have the right to request a check and a fix if necessary. This is a matter of trust between you and your customers as well as a legal requirement. 

Remember that it's forbidden to provide false information on credit reports. Credit reporting companies are required by law ( Section 1681e ( b ) of the Fair Credit Reporting Act ) to ensure that the individual 's information is as accurate as possible.

Last but not least, a prompt response to this matter would be appreciated. When a customer 's financial reliability is on the line, it is critical that your business abide by the FCRA. False information on a credit report should never be used as it may result in issues. I'm hoping you can fix this, thanks. 

My trust in your company 's work will be restored if you respond right away, demonstrating that you respect customer rights.

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 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter is intended to address some issues with your organization 's credit summary. I reviewed them during the time I had and will go into more detail below. 

To understand what rights I have, I researched the Fair Credit Reporting Act ( FCRA ). I learned that the law mandates that all information be accurate. 


Please check my credit report and correct any errors in light of this. The FCRA states that I have the right to request a check and a fix if necessary. This is a matter of trust between you and your customers as well as a legal requirement.

Remember that it's forbidden to provide false information on credit reports. Credit reporting companies are required by law ( Section 1681e ( b ) of the Fair Credit Reporting Act ) to ensure that the individual 's information is as accurate as possible.

Last but not least, a prompt response to this matter would be appreciated. When a customer 's financial reliability is on the line, it is critical that your business abide by the FCRA. False information on a credit report should never be used as it may result in issues. I'm hoping you can fix this, thanks.

My trust in your company 's work will be restored if you respond right away, demonstrating that you respect customer rights.

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 2023-09-12 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these inquiries 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 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 2023-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
EQUIFAX- you have been reporting these accounts wrong for months now!!! To ensure your vigilance of compliance, the following accounts are reporting wrong even to the comments. I do not have these account numbers in my file. They are erroneous. How are you reporting this information wrong??? According to Compliance protocol you MUST delete immediately : NOTE : This is not for you to correct and not remove. Ive disputed this numerous times. You are mandated to remove these erroneous accounts!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 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: OH

Complaint narrative:
The company used my non-public personal information and other private account information without my consent. I never gave the company and expressed written consent or implied consent to obtain, utilize, share, or sell any information belonging to me. The companies actions has caused me a number of damages and injuries to my finances and my personal reputation.

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 2023-09-12 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: BMW Financial Services NA, LLC
State: IL

Complaint narrative:
I am writing to complain to BMW FINANCIAL SERVICES about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX, and my social security number 's last four digits are XXXX. The FTC report number related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the late payments or any inaccurate reporting as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular item you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

Company response to consumer: Closed with explanation