vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-11 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: TN

Complaint narrative:
I have provided Equifax will all requested documents for my identity theft case they continue to refuse to remove a fraudulent account from my credit report. Both XXXX and XXXX have followed the law and removed the fraudulent account that resulted from Identity theft. 
I have provided an FTC identity theft report, a police report, an affidavit and all identity verification documents that are required. This is in regard to the fraudulent account opened in my name with XXXX Bank. XXXX and XXXX complied with the requests and the law but Equifax is refusing to do so. 
Equifax is in violation of the Fair Credit Reporting Act in continuing to not remove a fraudulent account from my report. They are basically saying I am a liar when i have been the victim. You are harming my ability to obtain any new credit. 

As clearly shown by the legislative history of the FCRA identity theft revisions, of which section 605B is the key provision, the purpose was to avoid any involvement of the furnisher or CRA in investigating the issue of asserted identity theft. If the consumer is willing to make a sworn statement before law enforcement, which carries criminal penalties for knowingly false statements, then that assertion itself is adequate to block the information from the consumer 's credit report. 

Conducting an investigation of the furnisher 's reporting is NOT part of the identity theft blocking process, and is NOT basis for denying the block under section XXXX05B. Their action appears to thus be willful noncompliance with the statute, subjecting them to punitive damages and court/legal fess, per FCRA 616.

I am in contact with an attorney and will be seeking these damages against Equifax if this fraudulent account information is not removed from my credit report immediately. Stop telling me that you have verified the account as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-11 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: PA

Complaint narrative:
My credit was destroyed by identity theft and I have done nothing but suffer from having poor credit I have complained multiple times and disputed many accounts that were opened in my name I filed XXXX XXXX bankruptcy in XXXX and the problem im having is I never opened new accounts my info was compromised and the credit bureaus have done nothing to fix this I have not applied for no new accounts and they will not fix the issue Im tired of disputing info when they were all aware of the identity fraud this has been going on for almost 2 years and Im tired of trying to fix this I need help to correct these errors

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE WERE NOT AUTHORIZED I do not recognise these inquires

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 2024-02-11 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: OH

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX Credit Card for continuing to report a charge-off on my credit report that is past the statute of limitations. This debt, last active on XXXX/XXXX/XXXX  appears to exceed XXXX statute of limitations for debt collection. 

The outdated entry is negatively impacting my credit score, hindering financial opportunities as well as buying a home. I have previously attempted to resolve this with XXXX XXXX, XXXX, Equifax, and XXXX, but to no avail. 

Under the Fair Credit Reporting Act, I request an investigation into this matter and the removal of this charge-off from my credit report if found non-compliant with state laws. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I am writing to file a formal complaint against Comenity BankXXXX XXXX Credit Card for continuing to report a charge-off on my credit report that is past the statute of limitations. This debt, last active on XXXX appears to exceed XXXX statute of limitations for debt collection. 

The outdated entry is negatively impacting my credit score, hindering financial opportunities as well as buying a home. I have previously attempted to resolve this with Comenity Bank, XXXX, XXXX, and XXXX, but to no avail. 

Under the Fair Credit Reporting Act, I request an investigation into this matter and the removal of this charge-off from my credit report if found non-compliant with state laws. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-11 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:
I signed up for automatic payments on XX/XX/ after their last fiasco of not being able to handle my previous monthly payments I made myself. And they STILL CAN NOT GET THAT CORRECT. I show past due because they cant auto debit correctly. This is ridiculous. Your company is supposed to help us and its just the same old thing OVER AND OVER. Why have they not corrected this? Do I need a lawyer? I mean Ive sent in a previous complaint regarding this company and you guys just closed the complaint. Do not close my complaint until you get resolution. Im tired of filing complaints to you for nelnet being derelict in duties.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
My loan balances remain at {$0.00}, but not reflected on the credit agencies. Despite multiple attempts, Nelnet has not updated my credit report since XX/XX/year>. Despite providing evidence and submitting disputes with the credit agencies, Nelnet reaffirm the reported balances to each agency. The mortgage letter I submitted as evidence did not have the desired impact. When contacting Nelnet about the balances, who confirmed with me a XXXX balance, I was also informed that balances are updated monthly, despite the evidence to the contrary. I requested a copy of the information used to justify the reported balance with the credit agencies, which they are required to provide, but was only directed to download my mortgage letter and provided with no further details or timeline for the update.The mortgage letter provided no benefit in advancing my case, The credit agencies did not take that evidence into serious consideration when they should have as it is a document from the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I used to live in apartment XXXX with my mother and sisters. My sister, XXXX XXXX, and I moved out of the apartment on XX/XX/scrub>XXXX XXXX XXXX As far as I understand, my mother and XXXX sisters stayed and renewed the lease. The reason for this letter is to inform you there was a discrepancy on your end because we were not removed from the lease when it was renewed. Further, we were not informed there was an eviction taking place. As of now, someone from Genesis had to inform us of this situation and told us XXXX had passed the money owed to them, and we would need to pay it. My mother informed them that we should not be involved in this matter because we werent living there for that current lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Request debt validation from Synchrony Bank, once the debt was sold to portfolio associates i Request debt verification and turned into XXXX XXXX XXXX XXXX, I sent them all information i had sent to XXXX XXXX XXXX and the Requested a fraudulent report be submitted.

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 2024-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: CA

Complaint narrative:
XXXX - Spousal Loan Application with ex-spouse Ex-spouse student loans ( I pay due to being primary on loan ) XXXX XXXX paper application received XX/XX/2021 for both parties XXXX XXXX Confirmation of receipt received from both parties. 

Numerous inquiries calls - Ex-spouse application not applied to my account Assured process would apply and told to KEEP WAITING. 
Created inquiries, spoke to Mohela supervisors -no information or clear indication why not approved. 

Took 2 years to receive reason for denial on ex-spouse application on a loan I am responsible for. 

My complaint XXXX. The original application does not show how date should be writte. ( The current application does. 
XXXX. A date was indicated and clearly showed the work time line was almost 20 years. 
XXXX. A California state employee representative confirmed and verified the date and also left an email and phone number to verify that my ex-spouse was a state employee, XXXX. 2 years to receive a denial for XXXX with a reason. No expedited recourse just try again- knowing this type of loan is not easy to resubmit. 
XXXX. New application sent with correct date format, and his employers signature again. 
XXXX. I do not want to wait 2 years to receive a response and should not be put back to end of line. 

Both my ex-spouse and I have XXXX years of public service and the handling of this case has been discouraging and financially stressful. 
Since their response I am forced to resume payments on his loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX has stolen my vehicle from my address XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. After doing research for my vehicle XXXXXXXX XXXX XXXX has forfeited there license to do busy in the state of Maryland see Attached Exhibits. In accordance to 15 USC 1692f ( 6 ) XXXX XXXX XXXX has violated my rights by threatening me and repossessing my vehicle.

15 USC 1692 ( f ) UNFAIR PRACTICES Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL

Complaint narrative:
GENESIS Credit management refuses to take this unpaid balance off my credit. The timeline, ownership of account and circumstances of when this accrued were all protected by government. My wife was the owner of the lease at the time, and she hasnt lived there in over 3 years. And I never signed any lease paper work. My wife was the guarantor, not I. And I tried telling them multiple times but they wont remove. They asked me if my drivers license was ever issued there which it wasnt. The address Ive been under until I moved in XXXX XXXX XXXX XXXX XXXX XXXX Not the address for XXXX who is trying to collect. My wife at the time had qualified for the covid rent assistance which the state paid the building. This wasnt supposed to go on her credit. So something back from XXXX since they couldnt collect from my wife they threw on my credit at the end of XXXX. Almost 4 years later. Their tactics are unethical, I want this removed from my credit asap. From all three credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX I do not recognese these inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 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: MA

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 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 2024-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am constantly receiving promotional and preapproval letters in the mail even though I have opted out of receiving any type solicitation from companies that I don't wish to do business with. Eligibility information contains account numbers, names and address. ( 12 CFR 1022.20 ( b ) ( 4 ) ). Direct mail is listed with other examples of how solicitations can be done. According 12 CFR 1022.20 ( b ) ( 5 ), solicitation is the marketing of a product or service initiated by a person, such as a financial institution, that is intended to encourage consumers to purchase or obtain products or services. A pre-approved letter is done after accessing ones consumer report to see certain financial information which I have not granted my consent to have. These actions violate my personal nonpublic information ( personal identifiable financial information ( 15 U.S.C. 6809 ( 4 ) ). A pre-approved letter is intended to encourage a consumer to obtain a company 's product and services, hence pre-approved, instead of pre-qualify which authorizes a soft inquiry to create an offer. They always send correspondence that says Under the Terms and Conditions When we solicit you for an account or from time to time thereafter we may offer special terms in connection with your account. Per 15 U.S.C. 6802 ( a ) ( b ), The credit agencies have failed to send me any form of notices giving the opportunity to opt out of any access they are giving others, more specifically their affiliates that they are allowing access to my non public personal information. As to the claim that my credit score isn't affected, that is wholly untrue as every soft pull takes away a point. In addition when my SSN is hit for any type of inquiry and I do not receive anything in return, that is securities fraud because the company is trading on the secondary market with my information that is being sold to them.

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 2024-02-11 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:
I am constantly receiving promotional and preapproval letters in the mail even though I have opted out of receiving any type solicitation from companies that I don't wish to do business with. Eligibility information contains account numbers, names and address. ( 12 CFR 1022.20 ( b ) ( 4 ) ). Direct mail is listed with other examples of how solicitations can be done. According 12 CFR 1022.20 ( b ) ( 5 ), solicitation is the marketing of a product or service initiated by a person, such as a financial institution, that is intended to encourage consumers to purchase or obtain products or services. A pre-approved letter is done after accessing ones consumer report to see certain financial information which I have not granted my consent to have. These actions violate my personal nonpublic information ( personal identifiable financial information ( 15 U.S.C. 6809 ( 4 ) ). A pre-approved letter is intended to encourage a consumer to obtain a company 's product and services, hence pre-approved, instead of pre-qualify which authorizes a soft inquiry to create an offer. They always send correspondence that says Under the Terms and Conditions When we solicit you for an account or from time to time thereafter we may offer special terms in connection with your account. Per 15 U.S.C. 6802 ( a ) ( b ), The credit agencies have failed to send me any form of notices giving the opportunity to opt out of any access they are giving others, more specifically their affiliates that they are allowing access to my non public personal information. As to the claim that my credit score isn't affected, that is wholly untrue as every soft pull takes away a point. In addition when my SSN is hit for any type of inquiry and I do not receive anything in return, that is securities fraud because the company is trading on the secondary market with my information that is being sold to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I sent {$200.00} to XXXX XXXX on XXXX XXXX through XXXX in my XXXX banking app for her security deposit return and she was supposed to give me the {$200.00} back in cash. Over XXXX weeks went by since I sent it to her and she never returned my calls or texts, and she ended up blocking me. I called XXXX to dispute the transaction on XX/XX/ and explained everything to the representative I spoke to, his name was XXXX. His attitude was horrible and just told me there is nothing they can do about it, and to not be so gullible next time. This was extremely unprofessional of him to say as a representative of a bank to its consumer so I am very upset about that as well. I got scammed and I explained everything to my bank, the least he could do is maintain professionalism instead of acting like dealing with consumers is the worst thing to happen to him.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. I received Your Apple Card account has been closed. Your Apple Card account has been closed as of XX/XX/ and can no longer be used for purchases because : There was a failure to comply with the terms of the Customer Agreement. 
I reached out in order to get a detailed explanation as to why my card was closed and did not receive any explanation. I was told If you want more details you can check the last email we sent you with the information of your agreement, however, if there is any problem trying to reapply it is handle by the credit bureaus, you can ask more details and help to reapply. You can give them a call whenever you are free and to call XXXX.

Company response to consumer: Closed with explanation