vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
After reviewing credit report I noticed that have some unauthorized hard inquiries. Please remove all listed below from all XXXX credit bureau because it effecting me in negatively. 

XXXX XXXX XXXX XXXX XXXX XXXX duplicate XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
After reviewing credit report I noticed that have some unauthorized hard inquiries. Please remove all listed below from all XXXX credit bureau because it effecting me in negatively. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX duplicate XXXX XXXX  XX/XX/XXXX and XX/XX/XXXX IXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/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 2023-06-22 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: VA

Complaint narrative:
Under the XXXX act I requested a refund of overpayments for 5 months from XX/XX/XXXX- XX/XX/XXXX and have yet to receive the funds. When asked for a timeline and current status the response from Nelnet was that it was in accounting departments hands. When I asked to speak to that department they refused. Currently that money is being held by Nelnet and they continue to profit off it. 

I would request that they provide an accountable timeframe for processing all requests as it seems that they are purposefully withholding funds to circumvent paying out until a Supreme Court decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is the third time .... experian first refused to remove the bankruptcy, second agreed to change it to dismissed... I'm writing this time because they have the wrong date. The bankruptcy was dismissed in XXXX. They incorrectly have the date as XX/XX/XXXX or it is not my information. I would like to see a signed document from the date they have listed. Otherwise simply correct the mistake and remove it from my credit report like the other credit reporting agencies have!

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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
ON XX/XX/2023 I'm receiving an error at XXXX when trying to get my credit report online. This has been on ongoing issue. Congress has established the consumers should be able to get a free annual credit report ( and through 2023 actually more frequently than annually ) and not have to jump through hoops requesting it via snail mail ( i.e., USPS ).

I am looking for resolution to get the report via the website, and not via USPS. 

Below is the error message I receive : ************************************************************************************************** experian. 

We're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 

Annual Credit Report Request XXXX XXXX XXXX XXXX XXXX, GA 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 2023-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
I HAVE HAD AN AVANT CREDIT {$300.00} LIMIT FOR OVER 6 MONTHS NOW. I HAVE BEEN PAYING $ 15 MONTHLY MINIMUM ALTHOUGH I HAVE NOT USEDIT. 
ITRIED TO ACTIVATE IT BUT WAS TOLD I TOOK TOO LONG TO ACTIVATE AND I HAD TO BE SENT A NEW ONE. I RECEIVED THE NEW ONE AND ACTIVATED IT AND TRIED TO USE IT FOR A {$72.00} PURCHASE BUT WAS DECLINED. CALLED THEM AND WAS TOLD TO TRY AGAIN AS THE CARD WAS NOT ACTIVATED. IT WAS DECLINED AGAIN. I CALLED AGAIN AND WAS TOLD THE MATTER WAS ESCALATED. 
HAVE NOT RECEIVED ANY RESOULTION TO DATE AVANT LLC/WEB BANK XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
ccordance with the Fair Credit Reporting act. The List of accounts below has violated my In accordance with Fair Credit Reporting Act the listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX, has violated my rights. 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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC
State: AL

Complaint narrative:
In accordance with the fair act credit reporting act XXXX  account # XXXX has violated my rights 15 USC 1681 Section 602 States I have the rights of privacy.

15 USC 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Management, LLC
State: CO

Complaint narrative:
I received a letter in the mail stating that I owed {$120.00} to A1 collection agency. I verified the amount with the creditor, because I never received a bill for the amount they were requesting, and they confirmed that I do not owe anything, and the debt doesnt exist. This was validated in writing. I then sent this validation to A1 collection agency, and they continue not to send me validation of the debt, my signature, stating that I agreed to pay the debt, or agree to stop harassing me. They use unethical practices to try and get consumers to sign up for a portal system that I do not believe is entirely secure, allowing them to delete messages in alter the facts. Or just deleting messages they dont agree with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Confusing or misleading advertising or marketing — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
The company, or its staff, seem to be threatening to take the business ' refund, in alignment with issues with the local bank staff 's pettiness and irregular professional ethics ( a XXXX here in XXXX ). It is happening virtually. The branch in question is probably irrelevant, as there are several branches here in the same block. ( XXXX and XXXX streets in XXXX XXXX, MA ). Not XXXX or XXXX. Their staff are all qualified, it appears, to hold the same role in other branches.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Ive noticed there are several items on my credit report that do not belong to me. Ive contacted all three credit agencies asking for further information verified. I have not received any information.

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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, Equifax, XXXX Account # XXXX has violated my rights on XX/XX/XXXX for {$4900.00}. XXXX and Equifax Account # XXXX has violated my rights on XX/XX/XXXX for {$17000.00}. 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 cant and should not furnish an account without my written instruction so therefore I need these accounts removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, XXXX, Experian Account # XXXX has violated my rights on XX/XX/XXXX for {$4900.00}. Experian and XXXX Account # XXXX has violated my rights on XX/XX/XXXX for {$17000.00}. 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 cant and should not furnish an account without my written instruction so therefore I need these accounts removed immediately.

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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I hope this letter finds you well. I am writing to inquire about my rights and the obligations of [ XXXX XXXX XXXX ] under the provisions of 15 USC 1681b, which pertains to the Fair Credit Reporting Act ( FCRA ). As a valued member of your credit union, I believe it is essential to ensure compliance with this federal statute to protect consumer rights and maintain the integrity of credit reporting practices.

According to 15 USC 1681b, credit reporting agencies, such as [ XXXX XXXX XXXX ], have specific responsibilities when handling consumers ' personal information. It is my understanding that this section of the FCRA outlines guidelines for the permissible purposes for obtaining consumer reports and sets restrictions on the sharing of such information. 

In light of this, I kindly request the following information from [ XXXX XXXX Name ] : Disclosure of Permissible Purposes : Please provide me with a comprehensive list of the permissible purposes for which [ XXXX XXXX XXXX ] obtains consumer reports, as outlined in XXXX XXXX XXXX. 

Consent and Authorization : I would like clarification on the procedures and requirements for obtaining consumer consent and authorization for accessing and using their credit information, as stipulated in 15 USC 1681b. 

Sharing of Consumer Information : Please outline the policies and procedures that [ XXXX XXXX XXXX ] has in place to ensure compliance with the restrictions on sharing consumer information with third parties, as mandated by 15 USC 1681b. 

Dispute Resolution : In the event of a dispute concerning the accuracy or completeness of information contained in my credit report, I would like to understand the process and channels available for filing a complaint or disputing any discrepancies, as required by 15 USC 1681b. 

I believe that by addressing these inquiries, [ XXXX XXXX XXXX ] will not only demonstrate its commitment to regulatory compliance but also reassure me and other consumers that their personal information is handled with the utmost care and in accordance with federal laws. 

I kindly request that you provide me with the requested information within 30 days of receiving this letter, as stipulated by the FCRA. If there are any costs associated with obtaining this information, please inform me in advance. 

I appreciate your attention to this matter and the valuable services that [ XXXX XXXX XXXX ] provides. Should you require any additional information or clarification, please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ]. Thank you for your prompt attention to this request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
This company is illegally reporting this account on my credit report. Per the new rules from the credit reporting agency 's XXXX, XXXX, and XXXX can not report a medical collection less than a year old on your credit report. This debt is not older then a year and must be deleted immediately. Per FCRA new reporting rules, the debt is not allowed to be reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I would like the unauthorized inquiries that i see on my credit report deleted i have reviewed and followed the steps to identify this inquries to make sure it wasn't mine and i have reach out to the creditors as well but it is still showing on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
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 15USC 1681. I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate, But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 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. 1681 s-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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: MA

Complaint narrative:
I have some accounts reported in my credit report that do not belong to me and I would like to remove it due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi im asking for a One time courtesy for one late that hit my account as stated on the letter that i got XXXX the same month i was hit with late on my account and i was never late with any of my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX this collector called me and threatened me and my family. They were trying to make me apply for new credit. This was reportedly taken care of by our property XXXX due to a hostile living environment that caused my family and I undue health XXXX. I do not have an account with this vendor. Therefore they don't own the debt. When I have disputed this information they keep adding fake payments to all three bureaus in order to keep the debt verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I filed for a fraud claim, at the time my card was with me but purchases to places I had not been but do frequent we're charged to my card. The claim was closed and I was charged back in the amount of {$250.00}. There was no paperwork sent to me regarding this. The representative was not helpful when it came to this and was claiming information that I did not have that the claimed I do. Upon searching for this information they claim I have I can not find any records of it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation