vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-29 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: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2024-07-29 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
On XX/XX/2024 my car was stolen from my yard by a third party that Exeter XXXX disclosed my information to without my consent. Any contract signed was null in void once the fraud was determined. No judge has given the order to come and take my property that I signed for. 

This action was conducted without any prior judgment by a court of law, as required by federal regulations, and constitutes an illegal repossession under XXXX XXXX. XXXX and other applicable statutes. 
Under XXXX XXXX. XXXX ( XXXX ), it is explicitly prohibited to take or threaten to take any nonjudicial action to effect dispossession or disablement of property if there is no present right to possession of the property claimed as collateral through an enforceable security interest. To my knowledge, no such enforceable security interest has been established or adjudicated by a judge, thereby making the repossession of my vehicle unauthorized and illegal. 
Furthermore, XXXX XXXX. XXXX prohibits debt XXXX from contacting consumers without the consumer 's prior consent given directly to the debt collector, or the express permission of a court of competent jurisdiction. I have not provided such consent, nor has there been any court order authorizing contact or repossession. 
Additionally, the Fair Debt Collection Practices Act ( FDCPA ), codified at XXXX XXXX. XXXX et seq., protects consumers from abusive practices by debt XXXX. The repossession of my vehicle without a judicial order violates my rights under this act. Specifically, the lack of a court judgment regarding the repossession contravenes the provisions outlined in XXXX XXXX. XXXX, which requires debt XXXX to provide validation of the debt and obtain a judgment before taking any action that affects a consumer 's property.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Eagle Financial Services, Inc.
State: OH

Complaint narrative:
Eagle Loan Company is reporting missed/late payments or not current status for months and years after the account has been paid in full. This account was closed and paid in full XXXX of XXXX, and no further late/missed or not current status should be being reported to XXXX after that date. The account was only open and paid on from XX/XX/XXXX until XX/XX/XXXX. My credit report reflects the account has been open and paid on for three years and two months so far, reflects several missed/late payments or not current status for several months in the year XXXX, and also reflects the last payment being made in XXXX of XXXX, more than 16 months after the real final payment had been made and the account balance XXXX XXXX. There should be no activity being reported on this account past XX/XX/XXXX. I have neither made payments nor missed payments on this account in the year XXXX because my balance was XXXX XXXX  in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: MI

Complaint narrative:
In XXXX of XXXX  I noticed that Nelnet was mishandling my loans. I put in a request and they said it would take 3 weeks, after 8 weeks I called back and they said they had up to 11 weeks to provide the information. At 11 weeks Nelnet said they are not required to provide the information and the online statements that only go back 5 years is the best they can do. I am being gate guarded by customer service and not able to escalate this issue with the company. One IDR loan is being charged improperly and my other SAVE loans Nelnet is making it hard to pay on. This pathetic XXXX dollar company can not keep track of one student loan account properly, let alone millions of accounts. Nelnet is intentionally stalling payments to borrowers on the SAVE plan so they can accrue more interest by stopping people from making payments when interest was low due to the plan. They are capitalizing interest on one IDR loan and arbitrarily changing principal amounts outside of the time frame when interest would be capitalized to principle. Nelnet is essentially applying principal and interest amounts simultaneously and doubling the amount the loan is increasing by. I have asked for all monthly statements which they refuse to provide. Their website is frequently down and this company is intentionally making it hard to make student loan payments. All records of calls and information is on their system and should be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
They have one collections account on my report that been deleted off my other reports from dispute XXXX XXXX  should not be on there and any closed accounts, Im also booted out and cant get back in to even reset my password

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Iam a victim of identity theft and the ( 3 ) MAJOR CREDIT BUREAUS and reporting fraudulent information such as unknown addresses mix information on my credit reports like account opening dates as well as reporting dates this need to be fixed asap the FTC AND POLICE IS BEING UPLOADED TO THIS COMPLAINT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 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: OH

Complaint narrative:
I recently disputed XXXX XXXX XXXX from my credit report and it has reappeared on my report again. This violates my rights under the FDCPA. I also noticed two XXXX XXXX XXXX  accounts on my report that dies not belong to me. One was opened in XXXX of XXXX, and the other XX/XX/XXXX. I have never had a XXXX XXXX XXXX  credit card in my name.

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 2024-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Dear Consumer Services Department, When I was younger about XXXX years ago I was given a bad check and was told it was for a online job I was supposed to start soon and I'm supposed to get my work from home equipment from that check to get started with work but unfortunately it was a fraudulent check and by the time my bank had informed me it was too late. I am writing to formally request to opt out of all information sharing and data collection activities conducted by XXXX XXXX XXXX under my name and personal information. 

As per 15 USC 1681b, a consumer reporting agency may furnish a consumer report under certain permissible circumstances. However, no such formal written instruction was provided by me, the consumer, to furnish or share my personal information with Early Warning Services. Therefore, I am exercising my rights under this code to withdraw any presumed consent for data sharing and to cease all related activities immediately. 

Please confirm receipt of this letter and the completion of my opt-out request at your earliest convenience. I expect that all my personal information will be removed from your databases and no further reports will be furnished or shared. 

Thank you for your prompt attention to this matter.

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 2024-07-29 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
COMENITYBANK/VICTORIASECRET Late payment. XX/XX/2023 In accordance with the fair reporting act this creditor has violated my rights under 15 U.S.C 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
On XX/XX/XXXX, a stop payment was placed on an ACH item, {$780.00} to XXXX XXXX, Due to an issue on end of XXXX, the payment was entered incorrectly, thus, stop payment had to be placed on end of TD Bank, XXXX  was unable to stop it on their end. The amount, {$780.00}, is double my current balance of {$390.00}, the payment date is also incorrect, date was supposed to be scheduled for due date on XXXX, errors on end of XXXX. On XX/XX/XXXX, a second call was made regarding stop payment, requested the stop payment either adjusted or second one placed, rep whom I spoke with, which I was on hold for over 32 minutes with, advised a second stop payment needed to be placed as a stop all amounts from payee or similar thereof. which she got a manager to waive fee ... This stop was needed to ensure the payee did not attempt other amounts, due to their system error.. The rep I spoke with today, XX/XX/XXXX, advised there is no such stop payment, only showed original stop payment placed on XX/XX/XXXX, claimed she showed a note from XX/XX/XXXX about fee waiver but no actual stop payment. Due to poor service received on end of TD Bank rep ( s ), I request item returned and any fees waived in association with item posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : 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 2024-07-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : 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 2024-07-29 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: WA

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have balance transfers one of which expires XX/XX/year>. I made my regular minimum pymt and then called and requesting making a pymt over the phone to pay the bal of the offer expiring XX/XX/XXXX. They would not do it & said any amt I pay will be applied to the higher bals & they can not allocate funds as I requested. They said I need to wait for my statment after XX/XX/XXXX- then pay that offer which will have the interest added. They said if I pay it right away no interest will be charged. They will not put that in writing to me but said they are noting my file. I found on your website regarding XXXX ( i ) Last two billing cycles- where it says I can allocate funds in order to not go past my expiration date to pay off that transfer. I do not trust that a note on my file is confirmation that I won't be chaged the interest and don't understand why they won't accept an additional payment to fulfill that transfer. I just had the same situation with another card - made the same kind of call and they did allocate the funds as I requested with no problem. So I believe CitiBank should also have to do that.

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 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

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 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"

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 2024-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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 2024-07-29 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: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining. 

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 non-monetary relief