vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-23 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: MS

Complaint narrative:
Experian has continually denied that they have received my documents of ID Theft. I have sent them a copy of my Federal ID Theft Complaint, Copy of Police Report, my Drivers License, Birth Certificate, and Social Security Card on XXXX separate occasions from XXXX to XXXX today. My ID was stolen and used by an individual that pled guilty ( XXXX XXXX ) and is currently in prison for same. Experian will not remove a fraudulent charge from a company I have NEVER heard of XXXX XXXX XXXX. The documents produced from said company do NOT have my signature on them, my name is spelled incorrectly, date of birth is incorrect, social security number is incorrect, address is incorrect, employment is incorrect. THIS HAS CAUSED HABITUAL DAMAGE of increased loan fees, increased interest rates for automobile purchases, credit cards, loans, and the lack of home purchase. XXXX XXXX XXXX, Experian, XXXX, and XXXX should be responsible for the CONTINUED DAMAGES as a direct result of their wrongful and continued acts against me. Both Compensatory and Liquidated Damages accrue each and every day against them due to the habitual lack of everyday business practices.

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 2024-01-23 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: 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 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: VA

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-01-24 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: VA

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX, XXXX XXXX XX/XX/year> XXXX XXXX, XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NY

Complaint narrative:
I paid more than {$60000.00} in rent to XXXX XXXX XXXX  ' for my XXXX consecutive years of stay there. When I moved out, I returned the keys and cleaned the apartment. Yet, they made up some {$300.00} in charges that are a result of normal wear and tear after I moved out in early 2022. I contacted them multiple times to cancel the charges and they failed to reply or follow up. Almost 2 years later, they reported the amount to collections company 'Columbia Debt Recovery ' which resulted in an impact to my credit score. This apartment company is trying to scrape for XXXX  and few XXXX  impacting customers credit for few XXXX XXXX XXXX despite collecting several XXXX XXXX XXXX XXXX XXXX in rent from the customer who had a good record of stay never complaining about the rental company 's facilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
In mid XXXX or there about ; I received notice of a Collection on my credit report. The report stated it was from a debt owed to a Coleman 's Furniture company in the amount of {$110.00}. It also stated the debt was obtained in XXXX of XXXX! First I do remember beginning a purchase online but the purchase was cancelled immediately after I initiated it ( after reading reviews on the Company/Products ). I never received anything from XXXX XXXX ( which I believe was a kitchen dining set-not sure as I had just returned to my home after being away for nearly 8 years and I was remodeling and redoing everything ). At any rate I did not think anything of it ; until over a couple of years later I find this derogatory collection on my Credit Report ( XXXX ) : XXXX and XXXX. After several attempts to get clarity from XXXX XXXX I was instructed to reach out to Jefferson Capital ( the Collection Agency on behalf of XXXX XXXX ). I called numerous times asking for information regarding this {$110.00} debt I owe. I have only received non-sensical statements, with no content but available " payment offers ''. Nothing that shows I purchased anything or how this " debt '' was obtained. I want Jefferson Capital to remove this fraudulent debt from my Credit immediatedly. It is not a debt I am responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
My vehicle was vandalized right before the lease matured. The insurance company estimate was going to total the vehicle and they told me the vehicle was going to be totaled if they were going to cover it. They did everything they could to deny coverage. The company is XXXX. I currently have an attorney representing me to enforce the policy and have XXXX  cover the damages in order to return the vehicle to Infiniti of attempted to surrender the vehicle to Infiniti without any luck. Vehicle is currently damaged and I dont have the money to pay for it without insurance, theyre charging me for monthly fees after the lease is expired, and the vehicle is going to be totaled out when the insurance company settles with my attorney its all in process, but they continue to call me every day talking about repossessing a vehicle Ive attempted to surrendered both Dealer and Infiniti financial and they keep begging me to pay for a vehicle that is going to be totaled after I replaced it all is in process with XXXX  yet. Infiniti financial services is relentless on charging me for a car thats no longer usable and is going to be paid by insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: CA

Complaint narrative:
I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/2022 XXXX XXXX/XXXXXXXX

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 2024-01-23 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: TX

Complaint narrative:
This complaint is in regards to XXXX XXXX XXXX  XXXX # XXXX. I opted out from this company XX/XX/XXXX. They are violating my federally protected consumer rights. The Privacy Act of XXXX, 16 CFR 433.2- Preservation of consumers ' claims and defenses, unfair, or deceptive acts or practices ; 16CFR 433.3-Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/XXXX from requirements of 16 CFR 433.2 ( A ) ; 15 USC 1681-Permissable purpose, 15 USC 6802-Obligations with respect to disclosures of personal information, 15 USC 6805-enforcement.

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 2024-01-24 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: TX

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 explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian continues to violate my rights and report incorrect information, the information has been removed by the other credit bureaus with no issue, because they know the information is inaccurate, this is why EXPERIAN has a class action lawsuit against them, because they think they can do whatever they want.

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 2024-01-23 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: PA

Complaint narrative:
The following items I have been trying for months now yo get removed they are not my account and misleading. I reach out to the credit Bureau and get no help whatsoever. Items and companies I never did business with are has follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-23 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: PA

Complaint narrative:
The following items I have been trying for months now yo get removed they are not my account and misleading. I reach out to the credit Bureau and get no help whatsoever. Items and companies I never did business with are has follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I'VE MADE MANY ATTESTIONS TO GET IN TOUCH WITH NEW YORK AND COMPANY ON A PURCHASE I HAVEN'T RECEIVED. I've called them multiple times and even sent them emails, but they haven't responded. I've also returned an item, but my credit card hasn't been credited for the return. NEVER DOES ANYONE ANSWER THEIR PHONE. I never received the item for which they are billing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I never gave consent for these creations. I've attached the required documentation to validate my stance. I'd appreciate your swift action to address and correct this issue by ensuring the removal of the fraudulent accounts from my credit report. Your prompt attention to this concern is greatly valued.

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 2024-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
On XXXX XXXX XXXX I received a notification from my credit monitoring service that a collection debt was placed on my credit record. The company is XXXX XXXX XXXX address XXXX XXXX XXXX XXXX, XXXX  XXXX phone ( XXXX ) XXXX. According to credit report original account was opened on XXXX XXXX XXXX with XXXX XXXX XXXX XXXXXXXX for {$990.00}. I contacted the collection company to get more information on this debt and they refused to provide any assistance as my birthdate and address does not match what they have in the fraudulent account. I did not open any accounts with XXXX XXXX XXXX XXXX on any date. This fraudulent debt is a stain on my credit report and a huge hit on my credit score.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: IN

Complaint narrative:
I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX  XXXX, IN XXXX ; XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX Balance Owed : {$330.00} ; XXXX XXXX Balance Owed : {$240.00} ; XXXX XXXX XXXX Balance Owed : {$9700.00} ; XXXX XXXX Balance Owed : {$740.00} ; XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7400.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 2024-01-23 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: NC

Complaint narrative:
PLEASE SEE 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 explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
This is in response to the bank 's response to our previous CFPB complaint : USBANK did credit our account AFTER you forwarded them our complaint. However, their response is misleading. Within a day of our account being debited the altered check amounts we notified them, BEFORE the funds were dispersed to the forgers. This wasn't a difficult forgery case to solve, the memo area on both altered checks had not been removed and clearly said " IRS est tax pmt '' and " Calif est tax pmt '' along with my TID #. The " pay to '' line and the check amounts had been changed. It would be obvious to anyone that such payments aren't made to individuals. Yet it took almost 4 months to get our funds back!! This is gross incompetence at the very least!

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 2024-01-23 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: Nelnet, Inc.
State: NY

Complaint narrative:
I have a student loan with Nelnet that was originally with the Department of Education. There was a late payment reporting from Nelnet to XXXX before Nelnet even had my loan. Nelnet never asked for my permission nor did they give me an opportunity to opt out of said reporting. Instead, they claimed that I agreed to give them that right. However, under the FCRA, I have RIGHT to opt out, and to deny permission of any reporting. I also MUST be given notice before any reporting takes place. I am making a simple request for Nelnet to follow procedure in this matter pursuant to 15 USC 6802. They have already ignored my messages to them and are still reporting on this alleged late payment when my loan was being serviced by another corporation. 

Below is my attached email from over 40 days ago which was never responded to or addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: IN

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX Balance Owed : {$950.00} ; XXXX XXXX XXXX Balance Owed : {$9700.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$910.00} ; XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$150.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/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