vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX and XXXX XXXX XXXX Are all in violations of 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15USC 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Privacy act 1974. XXXX XXXXXXXX two accounts are reported as charged off which are considered income and income is not legally reported to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 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: IL

Complaint narrative:
As a federally protected consumer according to the laws of the United States. I am writing to you in response of your Experian 's willfulness of not complying to the law. I am now opting out any and all consent or authorization I the consumer given to your company written unwritten verbal, and non verbal past or presence and continuously. 15 USC 6801 states that it is a policy of Congress that every financial institution has an affirmative and continuing obligation to respect the privacy of its consumer and to protect the security and confidentiality of the consumers.

The use and the sale of my personal information is against public policy. According to 15 USC 6802 I as the consumer have the right to opt out of reporting any and all personal information reported. Your company directly impacts this process by furnishing information without complying with the FCRA not have permissible purpose according to 15 U.S. Code 1681b - Permissible purposes of consumer reports. Your company hasn't yet fully complied with the FCRA and has acted negligent. Experian has not modified their reporting to be fully in compliance with the FCRA which would be all inquires and accounts deleted.

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 2024-02-19 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: SC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
XX/XX/2024 received letter stating I owed an amount of $ XXXX to someone ( I believe a water company - one I did not recognize, nor the amount of debt ). I then wrote a letter, see attached, and it was delivered XX/XX/2024. I called XXXX and the gentleman gave me the correct phone number to OHIO branch for who can access my account. I was given XXXX to call TransWorld Systems to inquire that they have dismissed things on their end due to non-response. The first rep I called and spoke with today at XXXX stated that the company sent an inquiry for information to the original debtor on XX/XX/2024. I told the rep that since I had not received the required information back within 30 days, that this is no longer my issue and further action will be required. I was hung up on at this point and called back and got REP : XXXX. Explained what happened on previous phone call, the issue and was on hold the majority of the call. She said she was going to transfer me to manager, which never happened, manager told her that they sent out my validation letter on XX/XX/2024. I stated once again, it's past the 30 days, I never received any communication from the company regarding the supposed debt. XXXX stated they are requesting to send the letter again and I stated that if they resend this letter without verification that they tried to send it originally on XX/XX/2024 such as a tracking number or even via certified mail ( which I work from home and have a XXXX doorbell and no one has tried to deliver anything except USPS postal service ) that it still would be outside the 30 days and is invalid at this point. I told them I was making a complaint to this bureau and that it would be a violation if they continue to try to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I discovered that my identity was stolen when I enrolled at XXXX XXXX XXXX of 2021. When I went to get help with filing out my financial aid, the financial director stated it was showing I already had funds and would need to recover my financial aid account and change the school to XXXX XXXX XXXX, with this being my first time in college I didn't know much about the process, so I called the Federal Student Aid, to recover my fafsa account and every time I would recover my account someone else would recover it back, I called fafsa, and I also called the IRS to let them know that someone had stolen my information, I called Nelnet, they ask me questions like was this my email they had on file, and the number they had on file, both wasn't mine, they sent me a packet I fill it out and sent it back, I sent evidence, with a police report, and they still will not remove it, I showed proof that I was enrolled at XXXX XXXX XXXX. I am paying for all of my classes out of pocket while another person is using my info, I even asked if they could freeze my account so the person who stolen my identity couldn't benefit off of me and they denied that action. I received a call from XXXX XXXXXXXX XXXX  asking me if I was trying to cash a Financial Aid for XXXX from XXXX XXXX XXXX XXXX. I told her no and asked if she could send me the void check as proof ; this person had the wrong date of birth and year. I called the school and talked with XXXX and, sent her the check with the police report, and told her my identity was stolen, and she removed this from my my credit report. so I don't see what the issue is with Nelnet ; they are not trying to help me they keep giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: CA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2024-02-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NJ

Complaint narrative:
My identity was stolen around XXXX to XXXX. A XXXX account was opened in my name. I have never been a XXXX customer. I have attempted to resolve this issue with XXXX in XXXX by contacting their fraud dept and submitting the required dispute form, my ID, and a police report. Nothing was ever done. I began receiving debt collections notices from a company named XXXX in XXXX. An account for the amount of {$1400.00} appeared on my credit report under the name XXXX in XXXX. I fi led a fraud report with XXXX, and the three credit agencies. Again, nothing happened. As XXXX I have now began receiving debt collection letters for the same amount of {$1400.00} from XXXX XXXX. I have never been a customer ofXXXX I did not open this account. My identity was stolen. I am not responsible for this amount or account. i will not be paying it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
XX/XX/XXXX, I was notified via my credit monitoring that a charged off account was placed on my credit report from XXXX XXXX. I contacted the collection agency Transworld Systems Inc @ XXXX. They had no information about the account other than they were collection for XXXX and reporting to my credit reports. They said to call XXXX. I contacted XXXX and told them I have never ever had an account with them. They told me that I ordered a headset but refused to provide me any information related to the theft including an account number, where the item was procured from, if it was picked up in a store or mailed. I filed a police report with the XXXX Police Department report XXXX. XX/XX/XXXX, I received a copy of the police report and emailed it to XXXX per their policy. XX/XX/XXXX, I was notified via email from XXXX that they investigated the claim and determined I was not responsible. It is now XX/XX/XXXX and this charged off item is still showing on my credit report, where they stated it would take 30 days to remove me from reporting. I have disputed this item with all 3 of my credit reporting agencies and XXXX verified that the account is valid. My credit score has taken a XXXX point drop due to their negligence and lack of responding to the disputes through the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I used XXXX to search a customer service number for XXXX to reset my passkey for my XXXX account on my new XXXX. On the phone they told me my passkey was reset and i needed to confirm my account by activating my debit card. They requested a payment of {$5.00} x 3 that would be refunded to my account as soon as they confirmed the payment. I accidentally sent {$590.00} but this did not go through. Believing that this was XXXX i kept trying to submit this amount not realizing it was {$590.00} instead of {$5.00}. My card was then locked by Bank of America. I asked the customer service representative to get on a call with my bank to confirm the transactions and they refused to do this. This is when I realized that I was not talking to a representative from XXXX  but was a product of a scam. In total they scammed {$990.00} from me. I submitted all proof of this information from Bank of America but they were not were able to help with my claim. They said the receiving bank denied reversal of these funds.

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 2024-02-19 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: LEXISNEXIS
State: NJ

Complaint narrative:
On XX/XX/XXXX of 2023 I sent Lexis Nexis a letter described as " Method of Verification '' to see who furnished my information about a Bankruptcy without my consent and the culprit was XXXX. I had not given XXXX my consent or permission to furnish any type of personal information. As a consumer I have a right to privacy and the right was violated. This information has also damaged my character, reputation and credit worthiness by not being able to obtain additional lines credit due to this Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
For over six months now NetCredit.com has been running applications with part of my information but luckily I do not think they have my actual SSN since none of my credit monitoring or FACTA alerts have been trigged. 

Every time they send me a XXXX I tell them I didn't apply and they claim they resolove the issue but a few weeks later I get another XXXX email. The name they have always seems to change and it changes to something offensive. The most common name they use is " XXXX XXXX XXXX XXXX ''. 

They keep promising me they will close " my '' account and stop harassming me but they havent. 

I believe someone is applying for the loans as a way to harass me and NetCredit is doing an amazing job of helping them. 

I have filed ID theft police reports every single time they harass me and give them a copy where I list the suspects. 

I am pretty sure these applications have been submitted by the XXXX family of for worth and XXXX TX XXXX XXXX lives in XXXX XXXX and her brothers XXXX and XXXX XXXX live in the XXXX area. 

Perhaps Netcredit can send them cease and desist letters to get them to stop since they cant manage to block my email address. 
the email address they are using is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: TX

Complaint narrative:
I disputed an item on my credit report with XXXX and they have not furnished proper documentation that the alleged debt belongs to me ; they have not properly identified legal ownership of the alleged debt ; they have not provided information that they are allowed to conduct business in the state of my residence which is Texas and they are unlawfully reporting incorrect information to the bureaus.

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 2024-02-19 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: TX

Complaint narrative:
I disputed an item on my credit report with XXXX and they have not furnished proper documentation that the alleged debt belongs to me ; they have not properly identified legal ownership of the alleged debt ; they have not provided information that they are allowed to conduct business in the state of my residence which is Texas and they are unlawfully reporting incorrect information to the bureaus.

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 2024-02-19 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: PA

Complaint narrative:
After reviewing my credit reports I have found that my RIGHTS under the FCRA are being violated. I have the right to have 100 % accuracy with regard to information furnished on my consumer reports. There are NUMEROUS inaccuracies across the bureaus. They are : 1 ) The Date Opened across the bureaus are inconsistent 2 ) The Balance across the bureaus are inconsistent. My understanding is that a Charge-off account SHOULD NOT be reporting balancing. THEY SHOULD BE {$0.00}.

3 ) The Past Due Amounts are bureaus are inconsistent 4 ) The Last Reported dates are inconsistent 5 ) The Date Last Active is inconsistent I have attached documentation down below. 

My credit is being severely damaged and my ability to obtain new credit and purchase a new home for my family is made next to impossible.

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 2024-02-19 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: The Law Offices of Mitchell D. Bluhm & Associates
State: GA

Complaint narrative:
I am unaware of this account by the name MBA Law Law offices of MBA. Please validate this information with the creditors and provide me with any documentation associated with these accounts. I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful records of your actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP
State: CA

Complaint narrative:
XXXX XXXX Deposited $ XXXX into my relatively new Laurel Road savings account. Then saw on XXXX that many savings account customers were having issues where XXXX flagged their account after a larger deposit, locking them out and even closing their account. 

A few days later, early XXXX, I could not log into my account, it was locked. I received a letter stating XXXX was " ending their business relationship with me. '' I've recorded every customer call I've made since. 

It's been over two months, and although they've closed my account, I do not have my $ XXXX, they have it still. Over the course my phone calls to customer service, I've been told ( in order ) that ( 1 ) the $ XXXX would be wired back to my XXXX account from which it came ( it wasn't ), ( 2 ) that I then needed to 'prove " the XXXX account was mine, although it was connected and in my same name and Laurel Road ACCEPTED the wire and it was in my account, ( 3 ) once I sent them back my copy of my drivers license and XXXX bank statement to prove the account was mine from which the $ XXXX was wired into XXXX XXXX they needed 3-10 business days. 

I'm now past that mark, with no update and no $ XXXX. To be clear, THEY closed my account in early XXXX, but are holding on to a $ XXXX ACH deposit I made from my XXXX account. Where is the money? In their own interest-bearing account? How can they keep my money when they closed my account? 

The XXXX thread speaks volumes : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
This is the Second Attempt at having my fafsa student debt removed : i was incarcerated from XXXX and on my credit report i have XXXX XXXX XXXX debts. The date of the debt is in XXXX i definitely did not go to any school in 2019 for i was in prison for XXXX  years around that time. This is not my debt. 
date opened : XX/XX/2019 ( for both ) ( was actually a week and a half after my second trial procedure ).

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