vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I requested a copy of the original signature from the application be sent to my home address. I am requesting proof that XXXX XXXX allowed to practice debt collections in the State of Florida. This account has been be reported negatively for over seven years. I request on several occasions the reporting history from the opening of this account be sent since 2016. If XXXXXXXX XXXX had the complete file it would show the original Date of the application., Reassignment to collections does not restart the seven year window. Please send a complete file that shows each purchase each month to compute the amount claimed owed.

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 2023-12-12 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:
The companies do not have the right to report the inquiries since they lack any permission so please DELETE them right away. 
Inaccurate Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I have tried emailing through the portal and calling the company about the status of my SAVE plan and application. I haven't received a response through email and I wasn't able to get ahold of anyone through my phone call. I requested information related to my loans being placed in " XXXX XXXX XXXX '' and my payments continuing to be delayed after applying for the SAVE plan. I have not been able to get in contact with anyone and my payment date continues to be delayed with no actual communication. My application was completed on XX/XX/23. 

My interest continues to accrue daily and I would like my payments on the SAVE plan to start, so that I can benefit from the plan. I never requested a forbearance to be placed on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: NY

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-12-12 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: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
This company pulled a hard inquiry on my XXXX, XXXX and XXXX consumer report without my permissible purpose. According to the FCRA 15 USC 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.

This company has none of these documents or written instructions from me authorizing them to pull my report.

I did not authorize this inquiry.

The law states 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I did not authorize this inquiry

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 2023-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: COAST PROFESSIONAL, INC.
State: AE

Complaint narrative:
I dont answer to XXXX calls after declining the call my wife was called by the same number almost instantly. Furthermore XXXX the number we found out the caller is from Coast Professional inc. did not leave voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: SC

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
DELETE ALL FRAUD ALERTS XXXX # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC Experian XXXXXXXX XXXX XXXXXXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. 

XXXX FRAUD VICTIM. 'INITIAL ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT 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 explanation
Consumer complaint received 2023-12-12 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: FL

Complaint narrative:
I was looking at my credit report and noticed hard inquiries that do not belong to me on there

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 2023-12-12 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: NJ

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, TX XXXX Dear sir, At first, I would like to request the removal my name permanently from the preapprove credit offer mailing lists that your company provides to businesses. These are necessary information for this : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Next, I want to dispute and complain some content on my credit reports. Due to the multiple times of email notices of your companies, previously, I requested to remove the part of statement in it, which state I am on duty of military. Since I am a XXXX nationality and was born in XXXX I dispute this content should be a mistake or written in fraud by your company upon some impersonated third person. Even though I submitted the necessary documents to remove it, since these emails have stated same thing, I would submit the document which tells my name and address along with the copy of social security. Therefore, I request to remove the written content of military duty and give the explanation of this addition to my credit report. 

Thirdly, one of email addresses of your company, XXXX, continuously sent me the credit report every day, and they state that one of my XXXX XXXX XXXXXXXX does not have any transactions, since there has been {$0.00} balance and {$0.00} scheduled payment ; even though I continuously use and pay every month. Also, they say this card was closed in this XXXX, even though I still use. Would you explain this discrepancy with reality? Even though the report asks to contact with XXXX XXXX XXXX, XXXX XXXX, TX XXXX, I request you to clarify the matter within your company as your company responsibility. 

Sincerely,

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 2023-12-13 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: IL

Complaint narrative:
I submitted a dispute to your company after i found several inconsistencies and errors. The responsibility of the credit bureaus remains to verify information before posting. if inaccurate information is found it must be deleted immediately according to the FCRA. 
I did not request these accounts to be updated, I requested for them to be verified or deleted. this is my final attempt to resolve before contacting attorneys.

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 2023-12-12 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX and TransUnion credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 2023-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Westlake Services, LLC
State: SC

Complaint narrative:
Below is the letter sent to US Auto Finance on XXXX XXXX. I have also sent a debt Validation at the later part of XXXX but no response. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX SC XXXX U.S Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Subject : Dispute of Inaccurate Account Information To Whom It May Concern, I hope this letter finds you well. I am writing to address an inaccuracy that I recently identified on my credit report. After a thorough review of my credit reports, I have noticed that you are reporting an incorrect balance for the following account : US Auto Finance- [ Account Number : XXXX ] The balances being reported by your company to XXXX XXXX XXXX and XXXX XXXX this means the account has not been properly verified. Please delete this account immediately. 
It has come to my attention that there is a discrepancy between the balance being reported by your company. This error raises concerns about the accuracy and verification of the account details, especially after disputing the account for several months. 
In light of this situation, I kindly request that you take immediate action to investigate and rectify this discrepancy. As per the guidelines outlined in the Fair Credit Reporting Act, it is imperative that accurate and verified information is reflected on credit reports. If the balance reported by your company is indeed inaccurate and unverified, I request that you promptly delete this account from my credit report. 
Thank you for your cooperation and prompt attention to this dispute. I look forward to a swift resolution. 
XXXX XXXX I have called the number listed on my credit report but the number is not a working number. I am requesting that this information be deleted from my credit report. I am not receiving any response from the company. I am a consumer and my rights are being violated. This company has filed bankruptcy but is reporting inaccurate information. This is not fair and is hurting my credit.

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 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My score was pulled from all three bureaus and it was reporting my student loan and now when its pulled it was wiped from my credit report and there is no score. I called the obudsmans office and they haven't stopped reporting my file to the credit reporting agencies. So I called to ask them what happened to my student loan they couldn't provide an answer because they are supposed to report what the creditor reports to the bureau and it is reporting accurately just not on 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 2023-12-12 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: CA

Complaint narrative:
My Equifax information has been breached, here is the proof. They refuse to delete these accounts, so please delete these from my credit reports immediately. As I was a victim of this data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount # XXXX XXXX  *Account XXXX XXXX XXXX XXXX XXXX XXXX *Account # XXXX XXXX XXXX XXXX XXXX XXXXAccount XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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 got a copy of my three consumer report about 30 days ago and I noticed that some accounts were reporting inaccurate information. so I asked XXXX, Transunion, and XXXX to investigate the accounts that where reporting inaccurately. the investigation came back verified so I asked them to provide a method of verification because the accounts still were not accurate. they told me they could not provide that information because they just confirmed with the creditor that the information is correct. but the information is still incorrect on my consumer report. this is causing major financial problems for me and my family.

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 2023-12-12 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 got a copy of my three consumer report about 30 days ago and I noticed that some accounts were reporting inaccurate information. so I asked XXXX, XXXX, and Equifax to investigate the accounts that where reporting inaccurately. the investigation came back verified so I asked them to provide a method of verification because the accounts still were not accurate. they told me they could not provide that information because they just confirmed with the creditor that the information is correct. but the information is still incorrect on my consumer report. this is causing major financial problems for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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:
According to 15 U.S. Code 1681 ( a ) -Congressional findings and statement of purpose and 15 U.S. Code 1681 ( b ) - Permissible purposes of consumer reports, XXXX XXXX XXXX had no written authorization from I, the consumer to provide my private information to any third party affiliates. XXXX, XXXX, and Experian are all third party affiliates. Per XXXX XXXX Financial Terms and Conditions, listed under " Other terms and conditions '', it states in " Information Sharing '' that they may release information in their records regarding me and my credit account. Also under " Our liability to you '' it states that they will meet their duty to to care for my credit account ( XXXX ) under reasonable banking procedures which they have failed to do. 

In their Privacy Notice it clearly states that their affiliates include financial companies such as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, not Experian, XXXX, or XXXX. It also states that companies not related by common ownership or control. They can be financial and nonfinancial companies. 

Under 15 U.S.C. 6805, you are required to ENFORCE the Privacy Act of XXXX 
15 USC 1681-Fair Credit Reporting Act, I the consumer have been violated by XXXX XXXX XXXX . I have been emotionally damaged, humiliated, and have been suffering tremendously in pain.

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 2023-12-12 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: GA

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX ====================================================== 1

5 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief