vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-06 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: GA

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

XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

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 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 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 2024-03-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: CCF Intermediate Holdings LLC
State: UT

Complaint narrative:
We took out a title loan on our bike we filed XXXX  XXXX bankruptcy. The bike was surrendered they never came and got. It ended up being totaled out when we were hit on it. With by a truck, we need the title so that we can follow through with the lawsuit of where we were hit and injured and the bike was tied up totaled. Talked to XXXX people just this evening. And no one can help me. And I had the guy from the store yell at me. I need that title within 10 days. Or it can't get part be part of treturn from the legality of the accident. And no one can help me 9 different people. With just say okay, hold on and transfer me and just kept doing that. No help whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am reporting a fraudulent inquiries found in my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: FL

Complaint narrative:
A fraudulent address and telephone number was used to creat a credit card under my name with XXXX The information they used to open the account was fraudulent and not my 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 2024-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
There are some very questionable business practices with Fay Servicing and I have yet to get answers. After reviewing my docs and Having my accountant go through the errors there are major discrepancies.

According to foreclosure complaints I been in default since XX/XX/XXXX ( see attached ) XX/XX/XXXX my payment was refused ( see attached ) Fay accepted XXXX payments in XX/XX/XXXX I have XXXX  years of consistent payments before that ( see attached ) Letter Dated XX/XX/XXXX -- -- -- WAS MANUFACTURED AFTER THE FACT Letter Dated XX/XX/XXXX -- MANUFACTURED AFTER THE FACT ( see sattached ) Payment was made XXXX and XXXX XXXX Payment returned XXXX ( see attached ) Letter Dated XX/XX/XXXX XXXX that is the XXXX statement upon inception. Was that Balance carried over from XXXX XXXX including rearage? What were the terms in regards to XXXX XXXX Obligation with settling the debt that fay Servicing assumed?

The letters that I have attached have been manufactured after my recent request. If you look at my payment history the default letters don't even chorrelate. I need clarity. 

Furthermore, I have a XXXX XXXX XXXX father residing with me who has XXXX XXXX. Why was he served in the complaint and a default judgement entered. Is that even legal? He is literally terrified that he has to leave. 

Also, My son resides with me and is a XXXX Veteran. He was also mentioned in the complaint and I don't know why. Im still waiting for clear answers and responses to the letters I sent certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It's my understanding that FCRA 605B necessitates the elimination of any mistaken accounts from my credit report. Could you kindly examine the documents? I've noticed inaccuracies in some of the listed accounts, which is unsettling for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
after i found out that i was a victim of identity theft, i contacted the bureaus and they advised me on what to do. This was months ago and the fraud accounts are stil on my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XX/XX/2022 I am reporting a fraudulent inquiry found in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: GA

Complaint narrative:
The account listed below was supposedly verified for ACCURACY on XX/XX/XXXX and XX/XX/XXXX by XXXX, Experian and XXXX. XXXX deleted the inaccurate account during the XX/XX/XXXX dispute process. This account was charged off on the following date ( XX/XX/XXXX OF FIRST CHARGE-OFF ). Since then, the account has repeatedly been updated as charged-off every month. This is an inaccurate update in my payment history. This inaccurate information falsely manipulates the statute of limitations. 

XXXX and Experian have failed to investigate this account twice. They have totally violated my rights per the ( FCRA ) 15 USC 1681e ( b ) Accuracy of Report This account is being re-aged and reported inaccurately which is destroying my credit opportunities.

I AM DEMANDING A DELETION OF THE FOLLOWING ACCOUNT 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 2024-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
On XX/XX/year> I had a collection put on my account without any notice. They refused to tell me what it was for. It's my address with XXXX but I use XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Mercari, Inc.
State: NY

Complaint narrative:
asked Mercari multiple times to remove the block of my account. Notified my bank that there was an unauthorized purchase made on my Mercari account so I disputed it. I got an alert at XXXX XXXX  this morning. My account was restricted. Ive been contacting them hourly at this point and still have not heard anything, they refused to get back to me saying billing payments back to me. Ive asked him multiple times to put this hold on my account so that I can get access to my money and get back to selling on my account. They refuse to do anything to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NC

Complaint narrative:
This is the THIRD complaint I have had to make regarding getting my automated payments to process correctly. I CONTINUE to be put on auto deferment despite attempting SEVEN ( 7 ) times to permanently opt out since XXXX of XXXX. 

In XXXX my XXXX application was finally processed, but it was wrong. I then spent XXXX ( XXXX ) hours on the phone in total talking to two ( 2 ) representatives. I was first told I didn't qualify, and that NELNET was a new company, despite it being decades old. The second time I was able to get it reprocessed. At that point, I was notified my repayments would start in XXXX, despite me asking for them to restart immediately, as I had tried for over 7 months prior. 

Today, XX/XX/XXXX, I went to recheck and confirm my payments would start this month to see that I was AUTOMATICALLY placed on deferment AGAIN!!! 

I have been told every single month from XXXX, and again in XXXX, that I would be opted out of auto deferment and my automatic repayments would resume. Today, XX/XX/XXXX I had to AGAIN request I be PERMANENTLY opted out of automatic deferment. 

I have since missed 4 auto payments which puts me behind 4 months for Public Service Loan Forgiveness that should have hit 120 payments in XXXX of XXXX...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The account listed below was supposedly verified for ACCURACY on XX/XX/XXXX and XX/XX/XXXX by TransUnion, XXXX and XXXX. XXXX deleted the inaccurate account during the XX/XX/XXXX dispute process. This account was charged off on the following date ( XX/XX/XXXX OF FIRST CHARGE-OFF ). Since then, the account has repeatedly been updated as charged-off every month. This is an inaccurate update in my payment history. This inaccurate information falsely manipulates the statute of limitations. 

TransUnion and XXXX have failed to investigate this account twice. They have totally violated my rights per the ( FCRA ) 15 USC 1681e ( b ) Accuracy of Report This account is being re-aged and reported inaccurately which is destroying my credit opportunities. 

I AM DEMANDING A DELETION OF THE FOLLOWING ACCOUNT : XXXX XXXXXXXX

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 2024-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
This is a complaint filed against Credit Acceptance Corporation due to them send my account after vehicle was repossessed and sold and sueing/ garnishment for deficiency balance, they forwarded the account over to XXXX XXXX XXXX XXXX XXXX in XXXX Ohio XXXX never had I received any prior notify, the balance once initially reported in my credit report after vehicle was repossessed and sold back in XXXX, never did I receive any notice regarding account being transferred to some place else and that a judgement against me would be filed in court, I received very late notice from the court that was sent to an old previous address that I haven't resided at in over 7 years, when I received the court docs I followed the info on how to file an motion or disagreeance to the Judge which was in XXXX and I never received no correspondence whether email, mail, or by phone of the order was granted to garnish my wages, I was blind sided today when I checked my paystub and it said garnishment for over {$1900.00} ... ... ... now I went over these original supposedly loan docs that are attach to the paperwork I previously received and some information on the loan is incorrect, I didn't put {$3300.00} as a down payment not one bit, as a matter of fact when I purchased the vehicle the sales/ finance rep that assisted me to complete the sale even advised me to not inform Credit Acceptance when they do the welcome call that I DIDN'T put {$3300.00} and that I was still making a way lesser down payment in installments to the dealership and was still able to pull off with the vehicle, it just makes no sense to me, that Credit Acceptance basically gets all their money back and collateral while consumers are left in this mess to deal with, also I did research and there is a lawsuit with the CFPB and NY Attorney Generals office concerning similar matter and also in other states,

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 2024-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Would you mind reviewing the documents? Certain accounts listed seem to be incorrect, causing me some concern.

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 2024-03-06 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: FL

Complaint narrative:
The debit has been charged off and the 1099C copy B is evidence that it's now considered a certificate of indebtedness and its unlaw to show a consumer income on a consumer report.

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 2024-03-06 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: FL

Complaint narrative:
The debit has been charged off and the 1099C copy B is evidence that it's now considered a certificate of indebtedness and its unlaw to show a consumer income on a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Kindly eliminate these inquiries. I lack any information on this matter, and the company proceeded without my authorization.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
As of XX/XX/24 there is inaccurate information reporting to XXXX, Experian, and XXXX. My name identifiers are missing and inaccurate across all three reports. The law prohibits the reporting of information that is inaccurate. There are numerous accounts across the credit reports showing these inaccuracies.

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 2024-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I have repeatedly submitted evidence that I did not attend XXXXXXXX XXXX in XXXX and yet Nlnet is refusing to acknowledge their error and correct the school to XXXX XXXX on my loans. All my debts to XXXX were discharged in bankruptcy in XXXX. I did not take loans for XXXX I applied but the loans were not distributed due to my withdraw from the program. ( this was in XXXX ). I applied and attended XXXX in XXXX. I did take loans and attended XXXX in XXXX and XXXX. NELNET repeatedly ignores emails and refuses to correct info when even through their last correspondence here the evidence they submitted proves they are wrong. Please please help me get them to actually look at the documents it is crystal clear I did not go to XXXX in XXXX. I need the loans corrected with the correct schools as I do not want to be paying for loans with errors on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: CA

Complaint narrative:
after i found out that i was a victim of identity theft, i contacted the bureaus and they advised me on what to do. This was months ago and the fraud accounts are stil on my credit

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 2024-03-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
after i found out that i was a victim of identity theft, i contacted the bureaus and they advised me on what to do. This was months ago and the fraud accounts are stil on my credit

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 2024-03-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to inform you of fraudulent activity on my credit report. I have recently discovered unauthorized inquiries on my credit report, which have been listed without an active account associated with them. These inquiries have negatively impacted my credit score and financial reputation. 

Upon reviewing my credit report, I have identified several unauthorized inquiries : XXXX. XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXXXXXX - XX/XX/XXXX XXXX. XXXX  XXXX - XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXXXXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX I demand that all unauthorized inquiries be immediately removed from my credit reports. These inquiries were not initiated or authorized by me, and they are negatively affecting my creditworthiness. 

Please investigate this matter promptly and provide me with written confirmation once the unauthorized inquiries have been removed from my credit reports. Additionally, I request that you take necessary measures to prevent any further unauthorized inquiries on my credit report in the future. 

Thank you for your immediate attention to this matter. I look forward to a swift resolution. 

Sincerely, 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