vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX XXXX : XX/XX/XXXX SSN : XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX XXXX XXXX : Account number : XX/XX/XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX : Account number : XX/XX/XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Sincerely, 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 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BTH Management
State: SC

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
In accordance with the fair credit reporting act this creditor CREDIT ACCEPTANCE has violated my rights Under 15 USC 1681 section 6 o 2 states that I have the right to privacy 15 USC 1681 section 6O4 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USCS 1666B a credit may not treat a payment on a credit card account an open end consumer credit plan as late for any purpose. 
THIS LETTER SERVES AS A FORMAL COMPLAINT THAT THEY ARE REPORTING INACCURATE AND INCOMPLETE INFORMATION ON MY CREDIT REPORT. THE NOTATION OF THE FOLLOWING LATE PAYMENTS IS INACCURATE. 
Late payment dates : XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23

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 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. I have disputed those account 's already for more than 30 days there have been no answer, according to the law that is result of non-verification, which requires that the above accounts be immediately removed from my credit file. 

XXXX {$1300.00} ( opened XX/XX/XXXX ) XXXX XXXX XXXX  {$1200.00} ( opened XX/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 explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I have contacted the Servicer multiple times in an attempt to correct my credit reporting information. I even had a conversation with the loan guarantor along with a member from the escalations team of the servicer. The guarantor explained to the servicer that the loan should have been granted coverage under the CARES Act based on the updated information shared in XXXX of XXXX ( Link below ) XXXX XXXX XXXXXXXX To which the servicers said they ( Nelnet representatives ) have nothing that states that information and they ( Nelnet Servicer ) didn't make any error on placing the loan in default. 

Given the guarantor is going to following the XXXX XXXX XXXX guidelines provided for the Department of Education, the request was to correct the credit reporting as it is negatively affecting borrowers until it gets corrected with the XXXX XXXX XXXX. I am sure there are other borrowers who will have a similar impact and this should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: HYUNDAI CAPITAL AMERICA
State: SC

Complaint narrative:
XXXX XXXX Sir or XXXX. I went into a local dealership in my area to purchase a new car on XX/XX/2023. I was told by the finance manager that I had been late sixteen times. I had just recently bought a car for my daughter with this same lender and had not been made aware of any of these findings. I immediately came home and called the lender .They informed me after speaking with several ( 10 ) of their associates that indeed the info of late payments were correct. I then proceeded to go to my account on line and printed out my payment history that validated everything that I was saying to be true. I called the lender back and proceeded to explain for the eleventh time that I had not been late. The lender refused to amend my credit report. I then called XXXX the same day and filed a complaint it was then investigated and XXXX 's response was that the creditor did not respond and there were several things I needed to do:1 ) Include a 100 word statement to be attached to report. 2 ) Contact the creditor 3 ) Provide additional supporting documentation ( already have ) and last but not least contact The Consumer Protection Bureau and The State Attorney General 's Office in my local state. In closing I reached back out to lender today XX/XX/2023 and was told once again to send another letter when they did not respond to the first letter. XXXX was slack in their efforts to rectify this situation by telling me on today XX/XX/XXXX XXXX that they would redispute the complaint once more and I asked the question why? I informed the rep that if they did not respond the first time the negative info should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Please remove this inquiry from my credit report immediately as it is not mine, and I have no affiliation with the creditors in question.

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 2023-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American First Finance, Inc.
State: CO

Complaint narrative:
American First Financial is trying to collect a debt that is not owed. This account should have been closed and not owed, because the items that were financed were never received. I called and spoke to American First Finance and they agreed and closed the account. They then tried to take a payment which was rejected from my bank because I informed them that this money or items were never received. I have filed a fraud report with the FTC- because whomever got the funds from this loan was not me and I DO NOT OWE this money. THE FTC REPORT # IS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The hard inquiries are preventing me from establishing my credit I did not give them permission to run my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, 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: TX

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.

The letters are stated with items and issues. 

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 2023-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My account has been restricted without informing me. I was made aware once my debit card started to decline. My account is restricted to be used and I have no access to my funds that I use for eating, living, taking public transport. I went into my branch and was told they submit a request and I should have an update by EOD. I never heard from them so went to the branch and said theyre still awaiting an update and that I should get a call. 
This is my only form of access to money at the moment and has put in a very difficult situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion I thank you for applying updates to correct certain issues that I have called out. However there are still issues that remain. At this point I am requesting that you all delete the entire record for XXXX XXXX XXXX as you all keep having inaccuracies. You send me letters saying the account is verified and accurate, then I find and issue and you then update an issue, then somehow change something else in the report to appease the creditor who is clearly abusive and trying to extort me. The other Credit Reporting Companies have deleted this account. I expect you to comply with FCRA and do the same. There is nothing more for you to ask of them.Do not ask them to verify anything again. We have been back and fourth for 6 months and they keep giving you inaccurate information to keep hurting me. Your personnel must just delete the record promptly as in immediately. I have been hurt long enough. 
See the law below. It is invoked and should have been followed as the other Credit Reporting Companies did. Please delete now.

15 U.S.C. 1681i - U.S. Code - Unannotated Title 15. Commerce and Trade 1681i. Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information. -- ( A ) In general. -- If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2023-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
CitiBank is refusing to release funds from an international wire transfer to XXXX 's account so that XXXX can credit it to my account. CitiBank refuses to discus specifics on the phone because I am not the account holder XXXX XXXX is ). The sender has provided all of the information and I need my funds to be released to XXXX. This is for XXXX Euros.

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 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXX, Last XXXX of XXXX # XXXX Account name : XXXX XXXX XXXX XXXX, Last XXXX of XXXX # XXXX Account name : XXXX XXXX XXXX  Last XXXX of XXXX # XXXX Account name : XXXXXXXX XXXX Last XXXX of XXXX # XXXX XXXX U.S.C 1681 602 A. States i have a right to privacy.

15 U.S.C 1681 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
In accordance with fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXX, Last XXXX of XXXX # XXXX Account name : XXXX XXXX XXXX XXXX, Last XXXX of XXXX # XXXX Account name : XXXX XXXX XXXX, Last XXXX of XXXX # XXXX Account name : XXXXXXXX XXXX Last XXXX of XXXX # XXXX 15 U.S.C 1681 602 A. States i have a right to privacy.

15 U.S.C 1681 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 2023-08-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
We have had a total {$54000.00}, taken from out business Chase Account to date. On XX/XX/2023 XXXX we had {$24000.00} withdrawn from the Chase Bank account. This amount was taken through XXXX transactions of various amounts from our Chase account from ~ XXXX XXXX  to ~ XXXX XXXX. These XXXX transactions were all classified as refunds from various credit cards. This Chase account is linked to an entity of Chase Bank referred to as Chase payment tech. Chase Payment tech processes credit card payments on our behalf from our customers and deposits those funds into our Chase Bank Account. We have 3 accounts or user names that run credit cards through our office, one of those accounts was closed out by Chase payment tech but they never notified us and we never detected this issues until XX/XX/2023 when the accountant was reconciled. We immediately notified Chase Bank, who told us the Fraud department said to file a police report but they couldn't do anything about it. We did file a police report but then on Sunday there was a second incident, they pulled {$29000.00} from the same account on XX/XX/2023. We called Chase immediately but have yet to receive any of the funds that were stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/XXXX I got a call from someone with an accent saying that I needed to give him money because someone had gotten into my XXXX account and I needed to fix it. I went to navy Federal credit union and the person on the phone walked me through transferring money from my money market account to my checking. He then had me wire {$15000.00} to someone in Florida. My wife found out and called the credit union that day and tried to put a stop on it. They said wire transfers were like cash but they would try to get it back. They called the receiving bank and I guess it was up to them if they were able to stop this transfer. We also made a police report. We talked to the people from Navy Fed up to last week and have not heard from them, I assume they couldn't get the money back. The man with the accent called me and my wife continuously for days trying to get us to give him some confirmation number that the wire had gone through, but we didn't give him anything

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, 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:
MY third dispute there are accounts on my credit report that does not belong to me I AM NOT AN ATTONERY OR THIRD PARTY REP. I am an American citizen who knows my rights and according Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. the accounts that are mines : XXXX XXXX XXXX # XXXX {$3600.00} XXXX XXXX XXXX XXXX {$770.00} ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX {$920.00} -XXXX  # XXXX {$0.00} HARD INQUIRIES THAT NEEEDS TO BE DELETED : 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