vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to 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 explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Aldridge Pite, LLP
State: CA

Complaint narrative:
The attached documents will show criminal activity and I'm requesting prosecution on the entire bunch that tried to steal my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
A XXXX XXXX Account is on my Consumer Credit Report. 
This specific Account was OPened- XX/XX/year> This account was an authorized user account Credit limit {$2000.00} I am requesting this account to be removed from my Transunion Credit Report 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 2024-08-26 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: FL

Complaint narrative:
My account with Equifax was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SANTANDER HOLDINGS USA, INC.
State: NV

Complaint narrative:
I am writing to formally lodge a complaint against Santander Consumer USA. They have been engaging in practices that I believe violate my consumer rights under federal law. Specifically, Santander Consumer USA has reported without providing me with the required validation information, as mandated under 12 CFR 1006.34 ( B ) ( 5 ). I have not been given any opportunity to dispute this account as required by 12 CFR 100.634 ( C ) ( 4 ) ( I ).

These actions by Santander Consumer USA constitute a violation of my consumer rights by using false, misleading, and deceptive means to collect a debt. Their failure to adhere to these legal requirements has caused me significant distress and has adversely affected my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 explanation
Consumer complaint received 2024-08-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
A hard credit report inquiry was ran without my approval by Bank of America. I have reported fraud through XXXX. A credit card was not issued to the fraudulent person.

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 2024-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Requesting names that need to be on my XXXX XXXX XXXX, Account. addressing the issue with my credit report : This not a complaint I'm facing identity theft don't want to send any documents through the mail. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Tennessee XXXX Dear, XXXX XXXX I hope this message finds you well. I am writing to formally request an update to the names listed on my XXXX XXXX XXXX  due to inaccuracies that are currently affecting my credit report. 

It has come to my attention that the names associated with my account do not accurately reflect my personal information. This discrepancy is causing issues with my credit report and may impact my financial standing. 

For your reference, names I use details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX these names are associated with my Credit report. 
# I kindly ask that you update the records as soon as possible to prevent any further complications with my credit report. I appreciate your prompt attention to this matter and look forward to your confirmation once the changes have been made. 

Thank you for your assistance. 

Sincerely, This has messed up my credit report Equifax deleted my XXXX XXXX XXXX XXXX  account yesterday.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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: Clark County Collection Service
State: NV

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Nevada Laws Dear XXXX  COLL SVC, I am writing to address the blatant violation of my rights regarding the unauthorized reporting of information to my credit report. This action is in direct violation of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and the Nevada Revised Statutes ( NRS ) Sections 603A.100 and 603A.120. 

It has come to my attention that XXXX  COLL SVC has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

Additionally, Nevada state law, specifically NRS Section 603A.100, emphasizes the necessity of consumer consent for credit reporting. Furthermore, NRS Section 603A.120 outlines specific guidelines for the fair reporting of consumer credit information. 

I assert with unwavering certainty that I have not provided consent for XXXX COLL SVC to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that XXXX  COLL SVC immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and NRS Sections 603A.100 and 603A.120. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Nevada state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that XXXX  COLL SVC will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-08-26 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I just recently looked at my credit report and noticed some fraudulent accounts appearing on it. Reinvestigate and remove the accounts listed below. 

Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. Based on consumer law 15 U.S.

Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report.

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.

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 2024-08-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I received a letter from DoE, during XXXX of XXXX stating that I was part of a group discharge. I was told I did not need to make anymore payments and my loans would be placed on forbearance. To date I have not received a single bit of information from the DoE or Nelnet ( Servicer ) updating or moving forward with the discharge. My loans have not been placed on forbearance and I continue to make payments to date, because I am told by Nelnet, that if I do, it may be reported. They can not tell me for sure if this will be a problem or not. I have made several calls to DoE and Nelnet, only to be given the run around. They finger point and say I should call each other. DoE says to call Nelnet, Nelnet says to call DoE. I am looking for an explanation why this debt is still being reported on my accounts and credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: VA

Complaint narrative:
My discover it card was proved about three month ago and it was closed unexpected. The company said the address in the requested form submitted to IRS has problem. I only have one address in US and Im a visiting student so I dont have real income and tax payment record. All fundings is supported by my XXXX sponsor. After calling for help, they told me to reapply. But it doesnt work any more. I am still wondering what happens to IRS and hope this wont affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: National Consumer Telecom & Utilities Exchange, Inc.
State: PR

Complaint narrative:
Remove this account from my credit report Because this account is not mine XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
Regarding Past Due Credit Card Payment : XX/XX/year> - Spoke to " XXXX '' at FNBO approx. XXXXXXXX XXXX. and explained there was a Direct Debit for {$1200.00} that I, XXXX XXXX or XXXX XXXX ( account owners ) DID NOT AUTHORIZE. After a long awaited Deposit from one of our Clients, the money was much needed since my XXXX  ( XXXX XXXX ) is battling XXXX  XXXX XXXX XXXX. We have not been able to fully meet our bills due to the unforeseen circumstances. XXXX wasn't able to assist us so she transferred us to " XXXX '' at XXXX XXXX. XXXX and I, still confused as we thought the transaction was some sort of fraud transaction as no one could provide details. We then asked " what '' was the transaction and to please return it. XXXX could not assist us as well. Around XXXX. she then proceeded to say " Booking Department '' stated " XXXX XXXX '' authorized the transaction. We have NO CLUE who " XXXX XXXX '' is and have yet to receive our funds. 

XXXX XXXX- We received a letter to " Pay the past due payment ( s ) '' on the Credit Card stating " what '' the {$1200.00} transaction was.

Not aware how the figure came about and still puzzle who authorized it, we proceeded to verify our Credit Card statements to see if any further payments had been deducted in the past. We noticed FNBO had taken excessive amounts of {$30.00} transactions in the past WITHOUT OUR APPROVAL. 

I know this isn't a reason for us knowing the past {$30.00} debits, but my wife 's health took us out of our normal routine and the small amounts weren't noticed. Nonetheless, this doesn't give them permission to debit our account WITHOUT APPROVAL. We couldn't find anywhere on the website or any Disclosures outlining this is protocol. Yet, FNBO continues to call and threaten us about payments. We expect our money back. There are protocols for settling a Credit Card Debt and they DID NOT go that route. They are bullying our Checking Account for payments and we expect every XXXX back. DESPERATELY, PLEASE HELP.

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 2024-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I just recently looked at my credit report and noticed some fraudulent accounts appearing on it. Reinvestigate and remove the accounts listed below. 

Account Name : XXXX XXXX. 
Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 
Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.

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 2024-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
ACCOUNTS WERE OPENED IN MY NAME UNFORTUNATELY. The accounts listed are 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 XXXX XXXX XXXX XXXX XXXX. Please make sure to remove these fraudulent accounts off of my credit report! I don't wish to include personal experiences of my situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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: AZ

Complaint narrative:
ACCOUNTS WERE OPENED IN MY NAME UNFORTUNATELY. The accounts listed are 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 XXXX XXXX XXXX XXXX XXXX Please make sure to remove these fraudulent accounts off of my credit report! I don't wish to include personal experiences of my situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have been a victim of identity theft, in which my navy federal account was compromised due to fraud. I have tried to reconcile with navy federal numerous of times but have not got a fair decision. I included a police report prior and am now also including a FTC report. Please dismiss this account so that I can continue doing business properly as I was prior to my identity being stolen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation