vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I did not authorize these inquiries and have serious doubts about their legitimacy. I request a thorough investigation and immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to file a formal dispute regarding an auto loan reported on my credit file by XXXX XXXX XXXX XXXX. Despite my repeated attempts to dispute this account, it continues to be verified by the credit reporting agencies. I have provided evidence directly to XXXX, which clearly demonstrates the inaccuracies in their reporting, yet they have failed to take appropriate action to delete the erroneous information. Furthermore, it has come to my attention that XXXX XXXX XXXX XXXX has recently been involved in violating the Fair Credit Reporting Act ( FCRA ) by failing to correct inaccurate information provided to credit reporting agencies. This raises serious concerns about the accuracy and integrity of their reporting practices. I hereby request that the Consumer Financial Protection Bureau intervene in this matter and ensure that the credit bureaus promptly removes the disputed account from my credit file. Enclosed with this letter is a copy of the correspondence I received from XXXX, which further substantiates my claim. I trust that the Consumer Financial Protection Bureau will investigate this dispute thoroughly and take appropriate action to rectify the situation. Your prompt attention to this matter. account # XXXX balance {$10000.00}

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 2024-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I strongly request the removal of this late payment from my account, as it does not reflect my payment history accurately. I have consistently made timely payments, and it is unacceptable to have this erroneous late payment listed. I urge you to update my account promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: TX

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I have been trying to get a hold of my loan servicer for several months about not being able to log in to my online account, and also to talk to a rep re : decreasing my payment so I can start paying my loan payments but I can not get ahold of anyone thru calls or emails, but they demand my payments anyways thru mailing of statements!!! Its wrong that that cant provide me with customer service!!! On their website it says increased wait times and increased wait times for emails to be answered this has been going on for some time.!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
It's unacceptable to see this late payment on my account, as I've always made payments on time. Please remove it and update my account accordingly.

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 2024-03-14 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: GA

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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2024-03-14 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: GA

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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 2024-03-14 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: GA

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: GA

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: GA

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2024-03-14 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: NY

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I reviewed my credit report and came across unfamiliar accounts. Despite my attempts to contact the relevant parties for verification, they have consistently ignored my requests and have not provided any verification.

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 2024-03-14 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:
things that are reporting to my credit is not accurate

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 2024-03-14 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: PR

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 2024-03-14 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: PR

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 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 2024-03-14 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: PA

Complaint narrative:
I believe FCRA 605B necessitates the removal of inaccurate accounts from my credit report. Could you verify the documents, please? Some of the listed accounts are erroneous, and it's unsettling for 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 2024-03-14 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:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

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 2024-03-14 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: PR

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 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 2024-03-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I opened a CD with Goldman Sach 's in XXXX of XXXX, and they closed the account on XX/XX/XXXX and did not list a reason. I requested a return of funds 4 times since XX/XX/XXXX and the company has not returned the funds even after closing the account. The last time I called ( XX/XX/XXXX ) they could not locate my funds, and have not returned my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Stenger & Stenger, P.C
State: IN

Complaint narrative:
in XXXX of XXXX, i signed a consent judgment with Stenger and Stenger agreeing to payments for an unpaid debt i had. They had offered several lump sum settlements with a much lower amount, but i didnt have that lump sum so i signed an agreement to payments. in the agreement it states " it is further agreed that all other means of collection are stayed conditioned on said payments being timely made ''. and at that point no lien was put on my house according to them, because they operate out of Michigan. in Indiana it is automatically put on my house though, so come XXXX when i tried to sell my house, the title company found the judgement. i gave them my consent judgement and was told they needed a letter of partial release of lien. on XX/XX/2024 i called stenger and stenger and attempted to get this letter, or to settle for a lower amount like i was previously offered several times. I was told by several people that i could just keep making my payments but they could not send that letter to the title company. i then asked about a settlement and was told i'm " not eligible for settlement because a letter would need to be sent to the title company confirming it was paid and the lower amount '' i then asked if i didnt sell my house if i could settle my debt and was told i am ineligible for the same reason over and over. i was also told they put a note in that i am selling my house and will be ineligible and must pay in full. 
my two problems here are that the consent judgment is extremely misleading, i read that as though no lien would be held against my property if i made payments on the full amount, and my second problem is that i was made ineligible for settlement strictly because they where told i was selling my property. i understand the debt is mine to pay, but up until i wanted to sell my house i had options for settlement. this seems like they found out they could get the whole lump sum and decided to stop interacting with me productively

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Bright Capital Inc
State: PA

Complaint narrative:
Checked out their website clicked a few links decided I wasnt interested in their product. A few days later Im charged {$87.00} membership fee that I did not sign up for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Account on credit report is not accurate

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 2024-03-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Account on credit report is not accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: GA

Complaint narrative:
Account on credit report is not accurate

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 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I do not owe this amount. I went to court and they just asked for possession. I gave over possession of the property with no money owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: CA

Complaint narrative:
Fraudulent charges were made on my Discover credit card, without my knowledge or authorization starting XX/XX/year>. I did not notice the fraudulent charges on the account until I went to view the balance and make a payment for previous charges made by me on the account in roughly XX/XX/year>. In this period of time between when the fraud started and when I reported that fraud and when the charges initially started, I did not get any email notifications of the large spending amounts for these charges, despite them being activated on my account via email or otherwise. No attempts were made to flag or review these charges as they were being made. The charges in total are roughly {$6100.00} Once I reported the fraud in XX/XX/year> they eventually claim the charges were valid for the following reasons : I paid on the account for my charges to keep it current I waited to report the fraud ( this is not my everyday card, so I do not review the balance unless I use it or get some alert ) I logged in ( I logged it to make payments on the account, after the fraud started and this is when I noticed ) The suspect has not responded They attempted to contact the detectives assigned to my case but they are slow to respond due to staffing Many charges for airbnb were made on my account using my phone that was stolen while I was out of the country. I was away for the period of XXXX so I did not have access to anything. Charges were also made on my card for rent with rental company XXXX management based in New York. I reside in XXXX XXXX, and provided proof of my ledger, lease, rent amount, and payment history, as well as the company that manages the apartment that I lived at, at that time. I included ample documentation of where I was, reported the incident to the police, proof of my airbnb accounts which I have not used in years, I have also included my identity theft report with the FTC as this was an issue that spanned across many accounts. Similarly, I provided a receipt of the replacement of my cell phone, which they requested and proof that all other accounts affected had to be replaced, such as my XXXX credit card and my wells fargo bank accounts. I provided proof of my flight back to the states paid for by my cousin in XXXX, since I was stranded with no accounts or phone. I also provided proof that I was out of the country once the fraud began. 

Since they have been investigating, I have been responsible for the charges and the accrued interest on my account, which violates the rules and regulations associates with the FTC, which they are bound by. 

I also informed discover that I was not in possession of my card, at the start of all of this.

Company response to consumer: Closed with explanation