vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX, XXXX, and Equifax continue to report inaccurate information. My name is misspelled on my consumer report. To clear up any confusion my name is XXXX XXXXXXXX. This is the ONLY name that should be listed on my consumer report. This is the ONLY name you have written consent to report. My US Postal address is XXXX XXXX XXXX XXXX XXXX XXXX, remove any other addresses they are not mine and they are considered nonmailable by the US postal service. Remove any employers you have they are not mine.

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 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: TX

Complaint narrative:
XXXX, Experian, and XXXX continue to report inaccurate information. My name is misspelled on my consumer report. To clear up any confusion my name is XXXX XXXX. This is the ONLY name that should be listed on my consumer report. This is the ONLY name you have written consent to report. My US Postal address is XXXX XXXX XXXX XXXX XXXX XXXX, remove any other addresses they are not mine and they are considered nonmailable by the US postal service. Remove any employers you have they are not mine.

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2023-10-17 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RANGE CREDIT BUREAU INC
State: WI

Complaint narrative:
I RECEIVED A CALL FROM RCB IN XXXX, MN ( XXXX ) XXXX DEBT COLLECTOR FAILED TO IDENTIFY THEMSELVES AND MADE FALSE CLAIMS THEY HAVE COPIES OF MY INFORMATION FROM DIRVERS LICENSES, TO CONTRACTS WITH MY SIGNATURES ETC. THE DEBT COLLECTOR HAS FAILED TO PROVIDE ALL OF THESE DOCUMENTS AND MADE FALSE STATEMENTS OF LEGAL ACTION AND OTHER THINGS. 

THIS COLLECTOR REFUSES TO PROVIDE ANY VALIDATION OF THE DEBT AND REFUSED TO MAKE CONTACT WITH ME TILL 45 DAYS AFTER THE FALSE DEBT WAS PLACED IN THEIR OFFICE AND SAID I HAD TIME TO CALL THEM AND THEY DIDNT HAVE TO PROVIDE ME WITH ANY INFORMATION ON THE ACCOUNT OF VALIDATE ANYTHING AND I HAVE NO RIGHTS TO DISPUTE THE DEBT AT ALL. 

THIS DEBT COLLECTOR IS VIOLATING MULTIPLE DEBT COLLECTION LAWS AND PRACTICES GOVERNED BY THE FEDERAL LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Santander credit card charged interest on the negative balance after the balance on a card was paid in full.

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 2023-10-17 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: FL

Complaint narrative:
On XX/XX/2023 this consumer sent a certified letter informng XXXX that the compamy was indeed out of XXXX XXXX compliance. In addition they are furnishing false information. I sent the letter accompanied with a copy of my Identification and a copy of my eletric bill. I have my green receit proving this. I recently received a responce from XXXX requesting a copy of my identification and a copy of proof of m address! XXXX is stalling, while this company stalls my life is being negativly affected byt their false reporting!

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 2023-10-17 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:
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 has violated my rights. Or a list of inquiries : 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 2023-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bonneville Billing and Collections
State: OR

Complaint narrative:
Have received numerous calls but they are extremely rude and aggressive, and when asked said will not provide me with a written letter explaining the debt and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I rented a car using my checking account ( debit card ) for paying for actual rental fee + deposit of {$600.00}. They put a hold on my card but my checking account indicated the amount of balance left after the withdrawal, so I have been using my debit card after that without any problem. However, I got a notification this morning indicating that my BOA checking account is negative after another withdrawal from Budget. My bank balance changes way too quickly ( like the transaction history changes as well everyday. ) but this kind of thing happened multiple times ( like my bank account was fine but becomes negative within one day ) so I would like to get a through review on my checking 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 2023-10-17 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:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion, XXXX, and XXXX continue to report inaccurate information. My name is misspelled on my consumer report. To clear up any confusion my name is XXXX XXXX. This is the ONLY name that should be listed on my consumer report. This is the ONLY name you have written consent to report. My US Postal address is XXXX Valemist Ct XXXX, TX XXXX, remove any other addresses they are not mine and they are considered nonmailable by the US postal service. Remove any employers you have they are not mine.

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In XX/XX/XXXX I noticed a sharp decrease in my Credit Journey Score ( powered by Experian ). I spoke to Experian and they informed me that XXXX had provided them information that XXXX accounts were now in default/closed - basically classified in a way that negatively impacts a credit score in a severe way.

I did enter into a payment program with XXXX for these accounts on/around XX/XX/XXXX and have been in good standing with repayment for over 2+ years. Payments have been on time and in full each month. 

After speaking with both XXXX/Experian I disputed the credit events with Experian ( Report # XXXX ) and they upheld the decision to drop my score in XX/XX/XXXX based on information provided by XXXX. 

I filed a complaint with CFPB ( XXXX ) against XXXX for providing reporting agencies incorrect information which they dispute and now point the finger at Experian. 

Neither XXXX or Experian has adequately explained the following : 1 ) how my accounts can be listed as in default when I am in current repayment? 
2 ) how is this coming up now after 2+ years into a consolidation program? 
3 ) why is this negatively impacting my score when I am in good standing with my lender? 

I suspect this has impacted XXXX of people like me and would now like the CFPB to investigate this matter with Experian.

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 2023-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: PA

Complaint narrative:
The Nelnet website is not allowing setup of monthly payments or single payment from XX/XX/XXXX to today XX/XX/XXXX and it is still an issue. I have waited hours on hold with customer service and there is no one picking up the line. It will soon impact my loan due date which is XX/XX/XXXX and I do not think I should be held accountable/penalized when I am doing everything I can to get in touch with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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:
I have recently obtained a credit report with may unauthorized inquires reporting that I did not authorize they were illegally done by someone who has gained access to my personal information. the following inquires reporting by Equifax are : XXXX. XXXX XXXX XX/XX/23. XXXX. XXXX XXXX XX/XX/23. XXXX. XXXX XX/XX/23

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: NY

Complaint narrative:
I have received and reviewed my updated credit report today and Im stunned to see that the same disputed accounts to which I considered to be incorrect and suspicious, due to their inaccurate details, were still up and showing on my files. Ive been trying my best to reach out from the credit bureaus ' office to have it corrected and be effectively removed from my credit history, but all of my efforts were left unresolved. These errors youve kept on furnishing will definitely hamper my credit ratings and destroy my reputation as a consumer. 

I have asked for the reinvestigation of these accounts in my previous letter but I never even received a response coming their side to update me of the result. This time, I will continuously urge them to remove these misleading accounts from my credit report : 1. Creditor : XXXX Account # : XXXX 2. Creditor : XXXX XXXX  Account # : XXXX 3. Creditor : XXXX XXXX XXXX Account # : XXXX 4. Creditor : XXXX XXXX XXXX Account # : 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 2023-10-17 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: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
I am re writing to bring to your attention AGAIN! that there are entries on my consumer credit report resulting from identity theft. I want to emphasize that I neither provided written authorization nor instructions for these specific transactions to be included in my consumer report. Pursuant to the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ], and the Fair and Accurate Credit Transactions Act ( FACTA ) [ 15 U.S.C. 1681a ], I hereby formally request that the reporting of this information be blocked and promptly deleted from my credit report. I want to make it explicitly clear that my request to block and remove this information is not made in error, nor is it based on any material misrepresentation of facts by me pertaining to the transactions in question. These identified transactions are not related to any of my own financial activities as a consumer, and they have been listed as follows : APPLE GS/CARD, XXXX XXXX XXXX  addresses : XXXX XXXX XXXX XXXX XXXX oh XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have recently obtained a credit report with may unauthorized inquires reporting that I did not authorize they were illegally done by someone who has gained access to my personal information. the following inquires reporting to XXXX are : XXXXXXXX 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 2023-10-17 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: OPTUM BANK, INC.
State: DE

Complaint narrative:
I recently had a issue with my XXXX XXXX XXXX XXXX  XXXX  what happened is that on XX/XX/XXXX XXXX refunded twenty five separate transaction payments back to my Utility Spending Account but it did not get returned to that account until XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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 have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-10-17 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: CA

Complaint narrative:
I have requested an update to my information on the credit report, but so far, I have not received a response. I have sent the requested documents, but I haven't received any replies. I only have an ITIN number, and I received two reports, one of which has no SSN information, and the other includes an SSN that does not belong to me. My ITIN is XXXX. I have attached all of 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