vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OR

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 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, other than the records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inac
curate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 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: FL

Complaint narrative:
Under the Fair Credit Reporting Act 15 USC 1681 section 602a, which mandates fairness, impartiality, and respect for consumer privacy by consumer reporting agencies such as TransUnion, I assert my right to safeguard my private information as supported by 15 USC 6801. Furnishers of information to credit agencies, being financial institutions, must respect customer privacy and security according to the same title. However, they have not obtained my written consent, as required by 15 USC 1681 section 604a ( 2 ), to furnish this information. Additionally, 15 USC 6802 ( b ) ( c ) obliges financial institutions to inform consumers of their nondisclosure options, which was never done in my case. Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from reporting adverse information without consent, which TransUnion is violating. Furthermore, 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e dictate accurate information reporting and reasonable procedures maintenance, which TransUnion are not complying with. Finally, 12 CFR 1016.7 grants me the right to opt out at any time, which I am exercising.

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 2023-09-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: TN

Complaint narrative:
I have called the company multiple times over this past month to get access to PDF copies of my loan statement. Every XXXX weeks, I pay money and the balance is not moving. I have no access to my loan statements to see how payments are applied and what fees are assessed. I call them and am on the phone for over XXXX minutes often with no resolve. I've emailed as well and I still don't get access to my bi weekly loan statements. Yet, they auto debit my account every XXXX weeks. This is not truth in lending!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 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: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 2023-09-29 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: KS

Complaint narrative:
I submitted a SAVE plan request on XX/XX/23. The website informed me I would receive an email from them in 3 business days for approval and if not I would get an email with a status update in 10 days. It has now been over two weeks and i havent heard anything. Today, XX/XX/23, I waited on the phone for 2 hours and 45 minutes before someone answered. I was told that today they just finished processing applications for SAVE from XX/XX/23 so it would be another 3 weeks before I found out if I was approved. I then asked why the website said 3 days for approval and 10 days for a status update and the customer service rep said that was only during normal processing time and that they were having longer than normal processing time but mentioned that no where on the website or via email. In addition, during this time my loans are acreuing interest daily while I wait for the SAVE plan approval and she said she can not do anything about it due to long wait times. So I am ready to start making payments on my loan via SAVE but I am unable to do to the lag in processing time and NelNet can not pause my interest accruing. So I am just being penalized because they are behind on request approvals. They have no updated information on their website that they are behind or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
As I was about to do a home search, I noticed that my credit score had decreased by XXXX points. I had contacted all the consumer credit Bureaus ( Experian, XXXX, XXXX ) about the misleading information and inaccurate data.The creditor had reported my loan as delinquent when in fact I got an evidenciary letter prior to the negative notation indicating that my loan was under forbearance contrary to the negative reporting. The letter was submitted to the agencies as evidentiary exhibits. 

I had decided to pay off the loan to avoid further confusion and economic damage with the consumer credit agencies, however they refuse to correct and remove the delinquency which was entered based on the misleading information. 
The agencies and the creditors should take responsibility of their data to assure maximum accuracy. 

Despite of my reasonable payment history, my credit score keeps going down and my depleted score had affected me economically and prevented me from pursuing my home search. The misleading information had created harm and frustration constantly in my business dealings. 

It appears to me that there's a discrepancy between payments history and credit score, I have found that the agencies are reporting credit score callously and not reflecting the hard work that consumers place in maintaining an excellent credit score. These agencies are running as " XXXX XXXX XXXXXXXX ' '' with liberal authority.

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 2023-09-29 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: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-29 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:
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 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 2023-09-29 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: MO

Complaint narrative:
Experian has flagged my account saying I'm a minor. I'm XXXX XXXX XXXX is XX/XX/2001 I've tried contacting Experian but the website won't let me create an account or talk to customer service. i need this fixed ASAP so i can move into a home.

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 2023-09-29 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:
I've received a current credit report. Soon after evaluating my credit report, it can be clear that the following accounts appear with no regard for accuracy as required by the Fair Credit Reporting Act. I am a victim of identity theft. The information listed 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. XXXX Account XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, MN XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Account XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I never had a contract withthis debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect or delete

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 2023-09-29 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: MT

Complaint narrative:
Experian shows a credit card on my credit report that does not belong to me and I have never heard of. It is registered in another state under a phone number I don't recognize. I disputed the account with Experian, but it was resolved and not removed from my credit report. I need the unknown credit card removed from my credit 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 explanation
Consumer complaint received 2023-09-29 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: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: DC

Complaint narrative:
I applied for XXXX program on XXXX and it's still pending. Mohela mailed me a bill that doesn't include XXXX, but on website doesn't show payment due. I go to message center and I can't even send a message, and their phone line does not get to a representative for hours. I need to know I don't owe any payments when student loan repayment starts up again in two days. The government needs to provide guidance on this as millions of us are being required to pay again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 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: TX

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

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 2023-09-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP
State: OR

Complaint narrative:
XXXX. has been in contact with the creditor, XXXX XXXX, and is under contract for payments on my behalf through XXXX. I have verbally requested that the creditor stop calling me but the representate stated that the calls will continue. The bank personnel is refusing to stop calling me, XXXX to XXXX  times per week, about the past due balance that XXXX XXXX XXXX has taken the responsibility to bring to a current status in the coming months. The XXXX XXXX  has agreed to accept payments and participate in this federally funded program.

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 2023-09-29 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-29 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:
am exercising my right under the FCRA ( 15 U.S.C. 1692c ( c ) ) to request that XXXX cease and desist from communicating with any non-affiliated third-parties regarding my credit information. This cease and desist order is effective immediately upon receipt of this notice. 

Additionally, in accordance with the Metro 2 Credit Reporting Resource Guide, I am providing the following Metro 2 Compliance Codes to assist with the removal of the disputed accounts : Account Status Code : [ Metro 2 Account Status Code ] { 88 } Payment Rating : [ Metro 2 Payment Rating ] { 89 } Special Comment Code : [ Metro 2 Special Comment Code ] I expect XXXX and Experian also XXXX! to comply with the FCRA and take appropriate action to correct these inaccuracies promptly. Failure to do so may result in legal action and penalties as outlined in the FCRA, including but not limited to statutory damages. 
am writing to express my deep concerns regarding the credit report provided by XXXX, which contains false and inaccurate information. This information violates the Fair Credit Reporting Act ( FCRA ), and I request a thorough reinvestigation of these matters. I would like to highlight that XXXX did not provide any method of verification when this information was initially reported. 

Specifically, the following accounts on my credit report are disputed due to being false and inaccurate : Account Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] Inaccurate Information : [ COLLECTION AMOUNT ACCOUNT STATUS, Number of Times its Listed as Collection and Shows as Charged off ] [ XXXX XXXX, Account Number XXXX ] INACCURATE INFORMATION : [ Shows as a Collection x5 Months, Collection amount and Dates I believe that the reporting of this information by XXXX has violated the FCRA in the following ways : Failure to Provide a Method of Verification : Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX or Experian and XXXX did not provide a method of verification for these disputed accounts when initially reporting them. 
False and Inaccurate Information : The information reported is false and inaccurate, which is a violation of 15 U.S.C. 1681e ( b ) that requires credit reporting agencies to ensure the maximum possible accuracy of the information contained in consumers ' credit reports.

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 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
Fair Collections & Outsourcing has an account with my name, without my knowledge or consent, and they are reporting an eviction to the credit bureau agencies ( XXXX, XXXX and XXXX ) for a place I never lived in. My information was used fraudulently to obtain a home which I had no knowledge of until the debt collection showed on my credit report from Fair Collections & Outsourcing in the amount of {$1500.00}. I have not, nor ever given consent to this company to have an account in my name or to send out my information to anyone. According to my credit report this account opened in 2017.

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 2023-09-29 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: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
On XX/XX/2023, in XXXX XXXX, LA, my phone was stolen by force and accessed without my permission and used to conduct a number of unauthorized transactions using my bank account, mobile payment apps, credit cards, and via wire. I filed a police report as well as fraud reports with all relevant companies, including Citizens Bank for the bank/mobile payment and wire-related transactions. Citizens issued a provisional credit for the bank/mobile payment transactions but refused to credit my account for the 2 unauthorized wire transactions ( totaling {$6000.00} ) which happened at the same time, and were sent to a person who I do not know and whose name is also associated with the other fraudulent transactions. Citizens sent a letter stating that their investigation concludes that this transaction was authorized by me and no credit would be issued- simply because my phone was used- the same phone that was stolen. I have called Citizens multiple times to request a 2nd review, a phone call, and copies of supporting documents, none of which have been provided to me. I have been told twice that I would receive a phone call within 3-5 business days, and that has happened neither time. I can not understand how these could possibly be viewed as authorized transactions when they took place on a stolen device ( reported to the police ), at the same time as other fraudulent transactions ( which Citizens has issued a provisional credit for ). This has caused me a tremendous amount of stress and financial hardship, and I'd like this to be published so that others know about these shameful business practices. Furthermore, this person was able to conduct this wire transfer via the mobile banking app for a very large amount of money ( {$2000.00} and then {$4000.00} ), and NO additional verification was requested from me. This also seems like a significant security flaw. Finally, please note that my XXXX XXXX Police Report XXXX is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 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: NJ

Complaint narrative:
Ive been trying to get these fraudulent accounts off of my credit report for over a year. I have contacted the bureaus and did exactly what they told me to do, but they refuse to remove them.

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 2023-09-29 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: IL

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 XXXX  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 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