vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! TRANSUNION, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND I'M HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING COLLECTIONS ACCOUNTS AND LATE PAYMENTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, and driver 's license This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMER 'S CREDIT REPORT, and the information on the TRANSUNION, XXXX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I DEMAND YOU, TRANSUNION, XXXX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT LATE PAYMENTS AND COLLECTIONS ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT.

IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP.

15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY!

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 : Also, States A Consumer Reporting Agency Can not Furnish A AccountWithout My Written Instructions DELETE THESE ACCOUNTS AND INQUIRES IMMEDIATELY FROM THE CREDIT REPORT. 

Collection : XXXX  Account Number : XXXX Account Status : Charge Off Open Date : XX/XX/2021 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 2023-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation.

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 2023-08-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: FL

Complaint narrative:
U.S Auto Finance Inc. Sold my loan to Westlake Portfolio Management ( wpm ) without any notice in XX/XX/XXXX. I called to make my XX/XX/XXXX payment on my XXXX XXXX XXXX spoke to Usa Auto Finance CompanXXXX paid my XX/XX/XXXX payment of XXXX .Westlake portfolio is a Dept Collector. WPM is stating to me that I have a past due notice of {$740.00} I have made my payments. US Auto finance Inc has shut my car off several times before this if I was 1 day past due. Why would my car be sent to a debt collector when my loan was in good standings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capitol One Credit Card belong to another user

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
THIS ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU 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 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, 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:
A recent global cybersecurity incident involving XXXX, a file transfer tool owned by XXXX XXXX. The software is used by government agencies, major financial firms, and thousands of other companies around the world. This incident resulted in exposure of my personal information.The information includes my name, address, date of birth, and social security number.

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 2023-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Sent out a validation letter on XX/XX/. Never received a response. They sent another letter out XX/XX/ for me to accept and offer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The account in question in the " XXXX  '' on my Experian Credit Report. I have disputed this account twice, once in XX/XX/XXXX and once in XX/XX/XXXX. The account was sold to a collection agency on an unknown date and the original account in question is shown as " closed, {$880.00} written off ''. This account is currently showing the last payment made to be on " XX/XX/XXXX '', which is almost XXXX  years and XXXX months ago. This should put the account as delinquent in XXXX of XXXX  ( still passed the 7-year limit ). I have contacted the original creditor and they do not have any account information including payment history or when the account was sold to the collection company. My understanding is that a charge-off account stays on your credit for 7 years past the date the account goes into delinquency. This was confirmed to me on the Experian website in an article they published about " charge-off accounts '' which I've attached below in the documents. I believe they are treating this account like the collection account It would have been at the collection company which would have stayed on my report for 180 days after delinquency plus the XXXX  years had it not already been removed by the collection company. This account has already been deleted from XXXX of the XXXX credit report agencies.

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 2023-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma, LLC
State: NY

Complaint narrative:
CreditKrama, Please vefied proof of application of 101 unknown hand inquires reported and 6 unknown addition pull of the township of these unknown inquires reported by credit karma, I gave no written consent and this is invasion of pricvy. This is Fraud use of my credit card which I do not benefit adverse action 12 cfr 1002.7, 15 USC 1691 and 12 cfr 1002.1 12 cfr 1002.2. 15 USC 168 12 cfr 1002 cfr 1002.16

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it.

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 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
My situation is, Its hard for me to find a place to live for me and my XXXX girls. Simply because my credit report states that I owe XXXX XXXX Apartments {$3500.00}. The primary reason I decided to leave the property was because they kept giving me the run around about giving my ac. My daughters couldnt even stay with me because it was always XXXX. Plus we lived upstairs. XXXX also was a reason I couldnt pay rent. It was 2020. After Covid I had to figure out what to do because I was no longer at my job DUE to XXXX. plus they didnt wan na fix my AC so i when I told them I wanted out the lease they werent hearing it. Unfortunately I dont have any documents to prove any of this. I wasnt wise enough then I know better now. Now its hard to find a place because its on my credit report. Please help XXXX : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Lewis, McDonnell & Associates
State: FL

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
The account in question in the " COMENITYBANK/GANDRMT '' on my XXXX Credit Report. I have disputed this account twice, once in XX/XX/XXXX and once in XX/XX/XXXX. The account was sold to a collection agency on an unknown date and the original account in question is shown as " closed, {$880.00} written off ''. This account is currently showing the last payment made to be on " XX/XX/XXXX '', which is almost XXXX XXXX XXXX XXXX XXXX ago. This should put the account as delinquent in XXXXXXXX XXXX XXXX ( still passed the XXXX limit ). I have contacted the original creditor and they do not have any account information including payment history or when the account was sold to the collection company. My understanding is that a charge-off account stays on your credit for 7 years past the date the account goes into delinquency. This was confirmed to me on the XXXX website in an article they published about " charge-off accounts '' which I've attached below in the documents. I believe they are treating this account like the collection account It would have been at the collection company which would have stayed on my report for 180 days after delinquency plus the 7 years had it not already been removed by the collection company. This account has already been deleted from 2 of the 3 credit report agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CITIBANK, N.A.
State: PA

Complaint narrative:
My deceased husband, XXXX XXXX, purchased hearing aids on my credit card that didn't work. The seller was not fixiing them per their warranty. I contacted Citi Bank and they kept telling me I had to work it out with the supplier. The hearing aid company was not returning any calls. When we went to their office they were no longer there. I contact Citi Bank and put in a dispute. 

Citi Bank should responsible for the information their representatives give to a customer, however they claim they are not. 

I spoke with XXXX in Customer Service Accounting and she told me it doesn't matter what their agents tell someone because they are human and make mistakes. I requested, in writing, a copy of the voice recordings from my 2 calls and never receive them or got a response to my request. 

XXXX said she had listened to the 2 recorded calls in which I spoke with 2 agents on different dates who both told me my dispute was approved. Later during that call she admitted she hadn't really listened but would. On the first one approximately XX/XX/27 I requested a check be sent to me. He took all the information and said a check would be sent to me if I preferred that over refunding it to my bank like they normally do and I said I did. 

On my second call, first week in XXXX they apologized for the delay. They told me the check was being released and mailed on XXXX XXXX. I mentioned to her if I couldnt wait for the check any longer could I use the credit if I had to. She said that would work too. 

We left for our investment house in NC where I had to order appliances. In so doing I used my credit that they told me I had won the dispute on. Before I used the credit I called one last time and confirmed the credit was still there and I could use it. That agent said I could go ahead and use it. They always tell you all this is on a recorded line. So they have the records. 

When I got back to my home in PA I had a letter Dated XXXX from Citi XXXX I enclosed a copy. Their letter verifies that they were not able to send the refund to my bank on XXXX XXXX because I had used up the credit instead. 

This letter from Citi verifies that the XXXX agents that told me I had gotten the disputed settled in my favor. Because I used the credit before it was sent to my bank per their letter they were not able to put it back into my bank. 

I believe once they fould out how old we were they decided to change the status of our claim approval decision.

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 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NC

Complaint narrative:
Nelnet recently put me on the XXXX plan without my knowledge or consent, even though I had repeatedly requested to be on XXXX or XXXX. 

I was on XXXX when my account first transferred to Nelnet, as the attached communications clearly show. Nelnet eventually said that I did not qualify for XXXX, but I had been clear in my emails that I wanted to be on XXXX or XXXX, and even requested before the application had processed that I wanted to be SAVE instead. 

Nelnet has tried to say that they merely returned me to the XXXX plan, but this is not correct. I have ample evidence that I was on XXXX before the request to move to XXXX. Nelnet should have returned me to XXXX 

I should not have to make a payment or have my interest capitalized because Nelnet has made an administrative error.

Company response to consumer: Closed with explanation