vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-23 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: DISCOVER BANK
State: NV

Complaint narrative:
I used Discover 's Pre-Approval form to see if I had any pre-qualified offers. The form clearly states " See if you're pre-approved with no impact to your credit score '' and the fine print states " There is no hard inquiry to your credit report to check if youre pre-approved. If youre pre-approved, and you move forward with submitting an application for the credit card, it will result in a hard inquiry which may impact your credit score. Receiving a pre-approval offer does not guarantee approval. Applicants applying without a social security number are not eligible to receive pre-approval offers. Card applicants can not be pre-approved for the XXXX Discover Card. '' I only checked to see if I was pre-approved, and did NOT apply for any card itself, nor did I authorize to apply for a card, yet I received a HARD inquiry on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: NV

Complaint narrative:
I used XXXX 's XXXX form to see if I had any pre-qualified offers. The form clearly states " See if you're pre-approved with no impact to your credit score '' and the fine print states " There is no hard inquiry to your credit report to check if youre pre-approved. If youre pre-approved, and you move forward with submitting an application for the credit card, it will result in a hard inquiry which may impact your credit score. Receiving a pre-approval offer does not guarantee approval. Applicants applying without a social security number are not eligible to receive pre-approval offers. Card applicants can not be pre-approved for the XXXX XXXX XXXX. '' I only checked to see if I was pre-approved, and did NOT apply for any card itself, nor did I authorize to apply for a card, yet I received a HARD inquiry on my Experian credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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:
Sent several letters to multiples places and the error was never fixed. The late payment on my car loan was never my fault. The car was totaled and insurance paid the car off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: VW Credit
State: PA

Complaint narrative:
Sent several letters to multiples places and the error was never fixed. The late payment on my car loan was never my fault. The car was totaled and insurance paid the car off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Name of Collection Agency : XXXX XXXX XXXX Amount Reported : {$5400.00} Date of Report : XX/XX/2024 Credit Reporting Agencies Affected : XXXX, XXXX, XXXX Fair Debt Collection Practices Act ( FDCPA ) Violations : The FDCPA requires debt collectors to provide accurate and valid information regarding debts. Under 15 U.S.C. 1692g ( b ), I am entitled to receive a validation of the debt within 30 days of my request. XXXX XXXX XXXX has failed to provide sufficient validation of this debt, which means they should not be collecting it or reporting it to the credit bureaus. 

Fair Credit Reporting Act ( FCRA ) Violations : The FCRA mandates that all information reported to credit bureaus must be accurate and verifiable. Under 15 U.S.C. 1681i ( a ), I have the right to dispute any inaccurate or incomplete information on my credit report. XXXX XXXX XXXX has reported a debt of {$5400.00} that I do not owe, which is a violation of my rights under the FCRA. This erroneous report has harmed my credit score, and I seek its immediate correction. 

Lack of Proper Debt Validation : I have previously requested debt validation from XXXX XXXX XXXX as per my rights under the FDCPA. They have either failed to respond or provided insufficient evidence to substantiate the debt. Without proper validation, they are legally prohibited from continuing collection activities or reporting the debt to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
AFTER REVIEWING MY CREDIT I HAVE NOTICE A COLLECTION ACCOUNT POP ON MY CREDIT. THIS IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ). IF YOU DO NOT CEASE COMMUNICATION A LAWSUIT WILL BE COMMENCED AGAINST YOU. 
THE COLLECTION- ( FAIR COLLECTION & OUT ) XXXX DELETE FROM ALL XXXX XXXX, XXXX AND 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 2024-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Skrill USA, Inc.
State: DE

Complaint narrative:
I opened my account on XX/XX/XXXX and funded my account with {$750.00} on XX/XX/XXXX. Within hours, my account was locked, and I was sent an email asking my purpose for having a Skrill account. I responded to immediately, telling them that XXXX setup the account to store/send/receive money from family. 

On the morning of XX/XX/XXXX, I received an email saying my request was being escalated, and hours later, I received a notification telling me my account was permanently shut down, WITHOUT EXPLANATION. Furthermore, Skrill also has not provided an explanation or process for me to get my deposit back. I'm pretty sure it's illegal for Skrill to just take and hold {$750.00} from me without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COMMUNITY REINVESTMENT FUND
State: CO

Complaint narrative:
Money was garnished from my social security account for a Small Business Admin loan that is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Summary of Accounts being challenged in list form XXXX ( XXXX ) - ( XXXX ) XXXX Summary of Inquiries being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) - ( XXXX ) XXXX Personal Information for Experian NAME : XXXX XXXX XXXX Please delete any names in your system that do not match mine. I want to make sure the database has accurate information about me, so it will help with future transactions if you can get rid of any names in your system that do no match XXXX XXXX CURRENT ADDRESS : XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX The only reside at XXXX XXXX XXXX XXXX, XXXX, FL XXXX Please remove any address you have in your system that does not match XXXX XXXX  XXXX XXXX, XXXX XXXX FL 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 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

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 und

er 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: NY

Complaint narrative:
Ive been paying more than the minimum amount on my student loans, managed by NelNet. I noticed that I was paying more than what the total interest is, but my total interest each month was over $ XXXX and increasing. I called them and asked them to apply my full payment ( {$950.00} ) to eliminate the interest and then the rest go towards principal. They told me no. They had some sort of methodology that split a percentage of my payment to the principal and a percentage to the interest. While I dont mind paying down more principal than interest, I should be able to have my payment fully cover the interest and then go to principal. This makes it easier for me to understand how much interest XXXX accruing per month. 

Consumer ( XXXX )- XXXX XXXX XXXX XXXX Provider - Nelnet Date of Contact - XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

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 2024-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: OPTUM BANK, INC.
State: IL

Complaint narrative:
I have alerted Optum Bank to what I believe is a serious security issue in their phone access system. Upon calling their XXXX number, without any other verification your balance is IMMEDIATELY reported back to you when you call. Giving you your FSA balance. This does not confirm the caller is the account owner. While a balance may seem minor, this information could easily be used during a contentious divorce or for nefarious purposes such a manipulating the owner through social engineering by knowing their account balance. I raised this issue with my employer and Optum starting in XXXX with no responses whatsoever other than stall tactics or obvious wrong information about how they identify you. Caller ID is clearly being used to confirm my identity and that can easily be spoofed. 

My understanding based on the GLBA is Section 502 of the Subtitle, subject to certain exceptions, prohibits a financial institution from disclosing nonpublic personal information about a consumer to nonaffiliated third parties. 

Given my phone number is Personal and identifies me, anyone who knows my phone number and can spoof caller id ( many apps in the XXXX  app store ) could obtain this information therefore disclosing my non-public personal information ( account balance ) to the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account shows late payments according to your account statement XXXX, however, the month of XX/XX/year> does not show balance, scheduled payment and amount paid and is ok. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a delete inaccurate of the following account : XXXX XXXX XXXX XXXX number XXXX ( CLOSED 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 2024-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
MY DAD PASSED AWAY XXXX XXXX. HE HAD SOME TICKETS ON IS NAME ANS HE A CO SIGNER WITH ME ON MY XXXX XXXX. MY BIRTHDAY MONTH XXXX ALSO TIME FOR ME TO RENEW MY REGISTRATION. WITHOUT MY KNOWLEDGE I HAD STOP/HOLD IN THE SYSTEM SO I UNABLE TO GET MT RENEWAL. IWAS TOLD BY THE TAG AGENCY TO CONTACT MY LOAN PROVIDRS OMNI ( SETF ) TO REMOVE MY DADS NAME FROM THE TITLE. THIS WOULD HAVE ALLOWED DMV TO REMOVE THE XXXX CLEARANCE. I NEED TO WORK SO I CONTINUED TO DRIVE THE MY VEHICLE TO AND FROM WORK. ON XXXX XXXX I WAS STOPPED BY ( BSO ) OFFICER TOLD ME HE HAD TOPULL THE CAR. AT THAT POINT ON XXXX XXXX I BEGAN TO ( SETF ) I ASKED AND PLEADED THE SITUATION. I ASKED IF THIS ISSUE CAN EXPIDTED. I SPOKE TO SEVERAL PEOPLE CONCERNING THIS ISSUE. EVERY TIME I CALLED, I WAS TRANSFERRED TO WROG DEPARTMENT. I BEGAN TO ASK TO SPEAK TO SUPERVISOR ALWAYS. THE DAYS WERE ADDING UP AND MY DEBTS WERE UINCREASING. IWROTE A STATEMENT AS WELL AS FAXED IN THE DEATH CERTIFICATE FOR MY DAD SHOWING PROOF. I SPOKE TO XXXX XXXX, XXXX, XXXX. I BEGAN TO CALL3-4-5-6 TIMES A DAY. I WAS SIMPLY BEING TOSSED AROUND WITH NO HELP. XXXX IS ENDING AND XXXX IS ABOUT TO START. STILL THE ISSUE UNRESOVLED. SUPERVISOR XXXX CALLED ME ON XX/XX/XXXX, SHE ADVISED ME THEY NEVER RECEIVED WRITTEN STATEMENT NOR DEATH THAT I FAXED ON XXXX XXXX. I WAS AMAZED SO I SIMPLY FAXED IT AGAIN ON XXXX XXXX. 
PLEASE HELP ITS XX/XX/XXXX, AND SETF PICKED UP MY CAR FROM EMPOUND THIS WAS NOT FAIR TO ME AT ALL I ACCRUED PAYMENTS THAT I DIDNT HAVE TO. I CAN'T AFFORD TO LOOSEN MY " I CAN NOT AFFORD THESE PAYMENTS\. BECAUSE MY CAR IS IN PAY OFF STATUS, THEY PICKED UP THE CAR. I SHOULD NOT PAY FOR MY CAR BEING EMPOUNDED FOR NEARLY A MONTH AND SOME DAYS. I HAVE PUSHED AND EXPRESSED HOW URGENT THIS SITUATION IS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Summary of Accounts being challenged in list form XXXX ( XXXX ) - ( XXXX ) XXXX Personal Information for Equifax NAME : XXXX XXXX XXXX XXXX Can you please delete any records in your system where my name is not exactly XXXX XXXX? 
This will ensure that the database has accurate information about me. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My only address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. If you have any address listed in your system that do not match my address as its listed here, please delete them immediately so you can make sure the database has accurate information about me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists credit cards from : XXXX XXXX XXXX XXXXXXXX Opened on XXXX XXXX XXXX  XXXX - XXXX Opened on XX/XX/XXXX XXXX XXXX - XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Opened on XX/XX/XXXX Unauthorize Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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