vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-04 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: RI

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 following accounts have been investigated multiple times with all three reporting agencies. The results of the investigation have not been updated as promised and currently prove to show inaccurate information that is negatively impacting my life. I have asked for the verification of dates. Balances, matching addresss, and account information on my credit report for all displayed accounts across all bureaus. All XXXX reporting companies have stated that the report is up to date and every single detail displayed is accurate. After, I decided to investigate and thoroughly review the report about this old information and found multiple discrepancies and errors after they made opposite claims. This is frustrating and impedes the process to financially prosper. Following accounts must be removed from my credit report as I also do not have any signed contracts associated with them. Also, these accounts are over XXXX XXXX XXXX and violate my right for how long it should be reported. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 and other adverse items 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 2024-01-04 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below 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 DEPT OF EDUCATIONXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 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. This also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681. ( 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 2024-01-04 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below 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 DEPT OF EDUCATIONXXXX 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. This also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681. ( 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 2024-01-04 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: FL

Complaint narrative:
I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 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: FL

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 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: TN

Complaint narrative:
My information was sold and bought illegally because i was a victim of XXXX XXXX data breach. I want these items deleted form my credit report immediately. ACCT # XXXX XXXX, ACCT # XXXXXXXX XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX and Acct # XXXX XXXX XXXX XXXX . I am attaching proof that XXXX XXXX has admitted that I was in fact a victim of this data breach and has done nothing. Please help me deletes these illegal accounts 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 2024-01-04 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:
THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I have a XXXX year fix rate conventional loan that Freedom Mortgage took over in XX/XX/XXXX. Historically my mortgage payment may increase a small amount when the taxes and hazard insurance are paid at the end of the year and the new tax bill or Hazard insurance has increases. On XX/XX/XXXX I called Freedom to see why my payment increased and talked with a representative ( ID # XXXX ) that explained to me that I did not have enough money in my impound account so I would need to pay the shortage ( XXXX mon. ) in full in order for my payment not to increase. He proceeded to inform me if I did not pay it I would be sent to collections. I did pay the amount over the phone so that my monthly payment would not go up ( {$140.00} check # XXXX ). I added to the conversation I never asked to go paperless and would like paper statements. I just received my paper statement and now Im noticing Im being charged " Total fees & Charges '' when I called on XXXX and talked with another representative ( ID XXXX ) I was told that was for the escrow shortage and it will only be for a few months and it will drop off. I requested an escrow analysis and new statement to be e-mailed with the reflected " new '' monthly mortgage amount. No e-mail was sent as of today and I am not buying that the " Total fees & Charges '' are a reflecting of my escrow account. I noticed that when I called the automated line it gave me the amount of my next mortgage payment of XXXX due but when I asked the rep. ( XXXX ) on XXXX what my current payment due is she told me XXXX but my statement for XX/XX/XXXX states amt. due is XXXX I received XXXX different amounts due all in one evening! My main goal is to find out what the " Total fees & Charges '' are for and have this removed. I have been charged this fee starting XXXX at {$40.00} and XXXX it increase to XXXX each month thereafter/until present.

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 2024-01-04 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:
I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2024-01-04 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'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/XXXX Venmo froze my account when I attempted to cash out my funds. They requested my ID. I submitted it. They told me it would take XXXX  days to verify and unfreeze the account. A week or so passed and they then asked for a bank statement. I submitted the bank statement. I called them today XX/XX/XXXX and inquired they gave me the run around and told me someone would follow up. I received an email saying that my account was unfrozen this evening but when I tried to cash out my balance it is still showing as frozen. At this point they are holding my money hostage and I need it to pay my rent. This will make me late paying my rent. If they can not unfreeze my account after I sent everything they asked for I need them to return the funds to sender so that I may receive them another way. Theyve done nothing but lie and give me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ChexSystems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute of Inaccurate Information in ChexSystems Report Dear ChexSystems Consumer Relations, I am writing to dispute certain inaccurate information contained in my ChexSystems report. I have obtained a copy of my report, and after careful review, I have identified the following errors : 1. Incorrect Account Information : Account Name : XXXX XXXX XXXX  Account Number : XXXX XXXX The above account does not belong to me, and I have never held an account with the XXXX XXXX XXXX . This inclusion is a result of mistaken identity or an error in data entry. I request the immediate removal of this account from my ChexSystems report please!

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 2024-01-04 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: NY

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2024-01-04 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: FL

Complaint narrative:
I received a letter dated XXXX that the account with the remaining balance was paid in full. I made the payment on XXXX through the nelnet secure site. I have screenshots and bank statements showing paid in full. Payment deducted from my account shows dept of education not Nelnet on XXXX, however I received the payment in full letter from nelnet, i have the screenshot to show i paid it and confirmation received from Nelnet. I received another letter from Nelnet statement date XXXX showing I still owe the amount paid with more interest accrued. I called them tonight XXXX to confirm and speaking with the representative they are confirming they do not see that I made a payment. We confirmed its the account ending in XXXX. I have the letter from Nelnet, the screenshots from the Nelnet site Secure.Nelnet.com total payment amount and payment date and my bank statement to confirm it was paid. I don't know what kind of BS this is but I'm so done with them. And then the rep suggested to me to send them a copy of the letter they sent me! Beyond ridiculous! 

So here we are with the representative coming back on the line after i have been on hold because they are short staffed of supervisors- of course that's corporate A for you. So I asked if I am holding with her waiting on a supervisor or waiting for them to conduct the research. Because its clear at this time they can not get a supervisor to assist. We have to wait on the line for them for XXXX min already. Then I got even more upset as they are trying to search and see that on XXXX after i received my paid in full letter that it was a 'batch reversal ' yet I haven't received any credit of the funds, so where is the batch reversal going if not returning back to me? The math is now mathing that they did a batch reversal on XXXX and I received this email showing i still owed the funds. This is fraud as someone there has pocketed my monies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
They Keep providing Information that is not relevant to what my concerns and Questions are? I have Attending court they mail me the same information over and not yet not what i have requested.

This need to go father what others steps are there that i can Take at this point court has not been helpful even the judge agreed that the price was not going down no valid reason as to why the prices keeps going up yet he still agreed with them because he always does he is being paid by the debt collectors.

I am Not giving a fair change or reasoning as to why they are reporting inaccurate information on my credit reports this is actual damage and effective my life. This debt is not current this is not a new debt yet they are reporting this debt as recent debt, taking my money with no notice it should have been sent certified mail and i should have had to sign and made aware of my taxes and wages being took.

This has been a on going problem and i am not looking for a responses from them looking for a solution, want them to stop reporting inaccurate information on my credit report, the amount is inaccurate, wage and taxes have been took and the amount should be going down not continuously going up, why am I being charged interest and can this stop? What can be done to stop garishment of taxes and wages, can we come to an agreed settlement amount where interest is not continuously being charged and going up.

I am Currently XXXX XXXX XXXX and have a XXXX hearing coming up in XXXX. I need my income taxes and do not want them to garnish them, how can this be stopped? What is a solution, can it be mailed to me, This is effective my life and lively hood and just because they are responding with lawyers doesnt make it right. This was my car my property and it was stolen and took from me illegally, with unfair and unreasonable, and illegal possession and practices and they continue to ruin my life and cause damage with incorrect, unfair information and harassment and garnishments. 




They had dont and are doing illegal practices and taking advantage of poor people this was reporting as a Charge off, has been charged off yet Im still being harassed and garnished and every time i apply For something it is reporting as a new account or recently delinquent account. The numbers are not correct the amount is not correct. How can this debt keep changing dates how is this possible? This needs to go farther what are the next steps please do not close this because they reply incorrectly information. Need valid clear solutions, what can be done to stop incorrect reporting, changes of the date of the debt, the amount of the debt, how can the garnishment be stopped, can we come to a settlement amount?

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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have inquiries on my credit report. 

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
On XX/XX/2023 I have sent a letter to Ally Financial to provide proof regarding the late payment. the Congress states pursuant 15 U.S. Code 1666b - Timing of payments the creditor may not treat the payment late unless the creditor sent the consumer all the information required under 15 U.S. Code 1637 - Open end consumer credit plans XXXX  days before due date. I have requested from Ally Financial a proof that all the required information by law was sent XXXX  days prior to due date or remove the late payment as per FCRA if the information is incorrect or unverifiable then it can not be reported to the Consumer Reporting Agencies as well as pursuant 15 U.S. Code 1681a ( 2 ) ( i ) - Definitions ; rules of construction the consumer report does not include the transactions and experiences between " Consumer '' and " Person ''. Ally Financial violated several FCRA laws by not obeying them and replied with some " Erroneous '' responses which I will be attaching to this complain. 
On XX/XX/2023 Ally Financial responded with letter that looks like a statement but it is defiantly was not proof required by law. 
I have sent them my second letter on XX/XX/2023 giving them a final opportunity to resolve the matter but they ignored it by responding with the same type of nonsense letter that they responded previously on XX/XX/2023

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