vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-07 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: FL

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. 
XXXX XXXX  account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX, Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX 15 U.S.C 1681 SECTION 602 A. States i have the right to privacy 15 U.S.C 1681 SECTION 604 A. It also states a consumer reporting agency can not furnish a account without any written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section Sates. No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of Information, other then records of conviction of crimes which antedates the report by more then 7 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 explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email Address : XXXX Telephone Number : XXXX True Link Financial XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Telephone Number : XXXX Re : True Link Financial, Inc Unlawful Use of XXXX XXXX XXXX XXXX XXXX File Account Dear Sir/Madam, I am writing to address a serious matter concerning my Experian Credit XXXX account and its connection to True Link Financial , Inc ( `` True Link '' ). My name is XXXX XXXX XXXX, hereinafter referred to as " the Complainant. '' On XX/XX/XXXX, I had discovered unauthorized activity onto my XXXX Credit File account, indicating that individuals may have utilized fictitious, similar, or identical names, and potentially altered their legal names to match mine, in order to establish True Link VISA accounts without my consent. 

It is evident that these individuals unlawfully accessed and misused my XXXX XXXX XXXX ( XXXX ), including my social security number, date of birth, address, and etc. to create these accounts. True Link has been complicit in this unauthorized activities by both improperly accessing my XXXX credit file account and reporting inaccurate information without my consent. This was noted on XX/XX/XXXX, and XX/XX/XXXX, wherein True Link falsely reported my legal residential address incorrectly that does not exist that perpetuate their fraudulent activities despite my lack of any association with True Links services. 

I must emphasize the severity of this breach and its implications for my identity security and privacy rights problems. I am demanding immediate action from True Link to close any VISA accounts linked to the misuse of my PII with XXXX. Failure to comply will result in legal consequences for True Link, as True Link business establishments are directly responsible for the breach of my XXXX Credit File account and subsequent identity theft issues. 

Furthermore, I am legally entitled to receive all pertinent information from True Link regarding the individuals who established these accounts using my PII without my authorizations. 

I urge True Link to take prompt and decisive action to rectify this situation and prevent any further harm to my personal identifiable information and credit reporting agencies accounts. Failure to do so will result in legal action being pursued to safeguard my rights and hold True Link accountable for your actions. 

Please refer to Exhibit A for additional details regarding this matter. 

Respectfully Submitted, 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 explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX has been harassing me through Credence Resource Management and damaging my credit score and it needs to stop. My credit score dropped XXXX points due to their claim. It's a {$140.00} account that XXXX XXXX XXXX refuses to close. 

This is now the third time that I've had to dispute this damage to my credit report. The debt has already been found to be invalid. It was found invalid on XX/XX/XXXX as well as on XX/XX/XXXX by all three credit reporting companies. I have previously reported this to the CFPB, but they have hired another, different, debt collection company to harass me daily and damage my credit once again. This is the third time that my credit report has been affected by this account, despite not owing the debt and this being found to be true by the independent party that is the credit reporting system. I have filed another dispute today, XX/XX/XXXX, but this isn't something I should have to take care of once a year. 

Damaging credit scores through shady debt collection companies in order to harass previous customers into paying for services they did not receive is borderline mobster behavior. I shouldn't have to pay money I don't owe just to have a year of peace without worrying about massive drops to my credit. This has clearly become retaliatory behavior in response to my successful dispute claims. XXXX XXXX XXXX needs to drop it's predatory tactics and receive a large fine for engaging in them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 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: MA

Complaint narrative:
I recently applied for financing through XXXX XXXX  and was denied. To my knowledge, I have great credit and was shocked. I received a letter from XXXX XXXX stating the reasons for denial, delinquencies, bankruptcies, too many open accounts with high balances, too many applications. None of this applies to me. After multiple attempts to get in touch with Experian, I was finally able to. They stated that my account had somehow been merged with someone else and that this is very common. I was told that a dispute had been filed to have the other person removed and to give it XXXX hours. After attempting to view my credit report online, I again had to call experian to go through their endless prompts that only lead to automated services. Once finally reaching a person and getting assistance to view my report, my report still contains information that does not belong to me. It shows incorrect names, previous addresses that I did not live at, and a co-applicant/spouse, which is also not applicable to me. I was informed on my second phone call that they placed a freeze and I would need to call to get it lifted when applying for credit, none of this information was told to me in the initial phone call about my dispute. I tried to file an additional dispute to remove this information online, but it says I need to call. I tried calling but the disputes department is closed on weekends. I have also tried reapplying for financing and was told I now have to wait 30 days to reapply, and now I am currently without a sofa due to issues that are out of my control. This is extremely frustrating as I take great pride in my credit and living within my means and maintaining an XXXX XXXX XXXX. I dont understand how someone elses credit can just somehow be merged with mine without my consent.

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 2024-04-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
i signed up for a payment arrangement to pay the bill.. after I paid, Midland Credit reversed the payment negatively affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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:
XXXX XXXX XXXX balance XXXX account number XXXX this account has been proving to be fraudulently open and the bureaus refuse to remove them I supporting ftc and police reports proving this are fraudulent and the bureaus will not remove this account it says closed and still actively reporting missed payments I dont understand I have the proof its fraudulent they will not remove 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 explanation
Consumer complaint received 2024-04-07 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: TN

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 u.s.c 1681. 

XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  US DEPT OF EDXXXX : # XXXX, DEPT OF EDUCATION : # XXXX, DEPT OF EDUCATIONXXXX : # XXXX, DEPT OF EDUCATIONXXXX : # XXXX, DEPT OF EDUCATIONXXXX : # XXXX, DEPT OF EDUCATION : # XXXX 15 u.s.c 1681 section 602A States I have rights to my 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 other than records of conviction 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
HI Someone made a loans in my name from the company ( AFFIRM INC ) XXXX A loan of ( XXXX $ ) on XX/XX/2023 XXXX A loan of ( XXXX $ ) on XX/XX/2023 XXXX A loan of ( XXXX $ ) on XX/XX/2023 I

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: FL

Complaint narrative:
Due to becoming XXXX with XXXXXXXX XXXX of XXXX, I needed to move to XXXX  due to decreased hours at work and no longer being able to afford rent. XXXX XXXX, CO provided renters the option of a COVID-19 Lease Amendment with multiple options to defer payment, add a co-signer or terminate and vacate ( as seen on attached document ). I personally opted to terminate and vacate. As per the documentation I was not to be responsible for any further obligations. I officially vacated XX/XX/XXXX, per the lease amendment agreement. The agreement was signed by both parties and landlord at that time would have taken the signed copy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 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: ND

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Email Address : XXXX Telephone Number : XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX Telephone Number : XXXX Re : XXXX XXXX XXXX XXXXXXXX Unlawful Use of XXXX XXXX XXXX Experian Credit File Account Dear Sir/Madam, I am writing to address a serious matter concerning my Experian Credit File account and its connection to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX True Link '' ). My name is XXXX XXXX XXXX, hereinafter referred to as " the Complainant. '' On XX/XX/XXXX, I had discovered unauthorized activity onto my Experian Credit File account, indicating that individuals may have utilized fictitious, similar, or identical names, and potentially altered their legal names to match mine, in order to establish XXXX XXXX XXXX accounts without my consent. 

It is evident that these individuals unlawfully accessed and misused my Personal Identifiable Information ( PII ), including my social security number, date of birth, address, and etc. to create these accounts. True Link has been complicit in this unauthorized activities by both improperly accessing my Experian credit file account and reporting inaccurate information without my consent. This was noted on XX/XX/XXXX, and XX/XX/XXXX, wherein XXXX XXXX falsely reported my legal residential address incorrectly that does not exist that perpetuate their fraudulent activities despite my lack of any association with XXXX XXXX services. 

I must emphasize the severity of this breach and its implications for my identity security and privacy rights problems. I am demanding immediate action from True Link to close any VISA accounts linked to the misuse of my PII with Experian. Failure to comply will result in legal consequences for True Link, as True Link business establishments are directly responsible for the breach of my Experian Credit File account and subsequent identity theft issues. 

Furthermore, I am legally entitled to receive all pertinent information from XXXX XXXX regarding the individuals who established these accounts using my PII without my authorizations. 

I urge XXXX XXXX to take prompt and decisive action to rectify this situation and prevent any further harm to my personal identifiable information and credit reporting agencies accounts. Failure to do so will result in legal action being pursued to safeguard my rights and hold XXXX XXXX accountable for your actions. 

Please refer to Exhibit A for additional details regarding this matter. 

Respectfully Submitted, 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 2024-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: FL

Complaint narrative:
1. I made several advance payments while my loans were being serviced by Great lakes. I was on an extended graduated repayment plan and the majority of my loans were paid down in advance with no payment due until 2027. 

2. My student loan servicer was changed to Nelnet and all my advance payments from Great Lakes were not acknowledged with the transition to Nelnet and the XXXXXXXX XXXX XXXX. Upon approval of my XXXX XXXX on XX/XX/XXXX of this year, Nelnet requested immediate monthly payments in excess of XXXX a month without even reviewing my prior payment history from when the loans were at Great Lakes XXXX. Nelnet has forced my loan status into forbearance due to a problem that they created. Its not my fault that Nelnet did not review my loan history from Great Lakes during this transition. Nelnet says they are reviewing my case but they will not give me any sort of timeline for completion of the review. Nelnet continues to collect interest all the while. 

5. my payment history from Great Lakes has not been made readily available to me on the Nelnet website and the telephone operators with Nelnet also do not know how to access it. I think a student loan servicer should be expected to have reasonable history of all payments made from the life of the loan. The exorbitant loan servicer fees that are charged when the loan is originated cover expenses like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have tried initiate a consumer international wire transfer in branch with the bankers for XXXX  days in a row, show my paperwork, do their verifications multiple time, was assured with multiple agents from remote security team that everything is good and my XXXX transfer would go through and this is an urgent XXXX transfer. It has got cancelled the next day multiple times, even the in branch personnels have no idea why and how to help, they have tried escalated multiple time to no avail, the end result always was a canceled XXXX transfer with no clear reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American Express denied my, the consumer 's, application for credit on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My signature on the application makes it a negotiable instrument and makes me a silent investor in the corporation. Denying me access to my credit yet securitizing my instrument for the financial gain and benefit of the American Express Corporation and its subsidiaries is illegal and securities fraud. Since my applications were denied, I demanded the authoritative copies of my application be returned to me. I have yet to receive them. In accordance with 15 U.S. Code 1691c - Administrative enforcement ( a ) Enforcing agencies Subject to subtitle B of the Consumer Protection Financial Protection Act of 2010 [ 1 ] with [ 2 ] the requirements imposed under this subchapter shall be enforced under : ( 1 ) section 8 of the Federal Deposit Insurance Act [ 12 U.S.C. 1818 ], by the appropriate Federal banking agency, as defined in section 3 ( q ) of the Federal Deposit Insurance Act ( 12 U.S.C. 1813 ( q ) ), with respect to ( A ) national banks, Federal savings associations, and Federal branches and Federal agencies of foreign banks ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, and organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ] ; and ( C ) banks and State savings associations insured by the Federal Deposit Insurance Corporation ( other than members of the Federal Reserve System ), and insured State branches of foreign banks; ( 7 ) The Securities Exchange Act of 1934 [ 15 U.S.C. 78a et seq. ], by the Securities and Exchange Commission with respect to brokers and dealers ; ( 9 ) Subtitle E of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5561 et seq. ], by the Bureau, with respect to any person subject to this subchapter.

The terms used in paragraph ( 1 ) that are not defined in this subchapter or otherwise defined in section 3 ( s ) of the Federal Deposit Insurance Act ( 12 U.S.C. 1813 ( s ) ) shall have the meaning given to them in section 1 ( b ) of the International Banking Act of 1978 ( 12 U.S.C. 3101 ).

Per the Electronic Funds Transfer Act, 15 USC 1693, it is a given that my original applications can not be returned to me as they have been, and are currently being, securitized.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Balance was paid

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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 have incorrect hard inquiries and collection accounts on my report that are not mine and the result of id theft. I have asked the XXXX bureaus to delete them, and they have not after repeated asks by me.

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 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Company has sent me XXXXXXXX XXXX  cards that I have not received, fraudulent charges were posted on the account while it was still active. XXXX XXXXXXXX assured me It was covered and debited the transactions back to the available credit. Tried to request a new card after and was never received, called in once again to find out what was going on. There was multiple XXXX  accounts connected to this account and none of them were mine, multiple address changes that were never made by me. I decided to close the account after poor customer service, difficulty with the account, representatives. I disputed the charges once again, was assured again that i would be resolved. XX/XX/2024, I now have my credit hurt by a missed payment on the fraudulent charges. The company has never sent any correspondence via mail that was received, has not called to follow up on the account or has handled the account as promised.

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