vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-26 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: CA

Complaint narrative:
I have informed the credit bureaus and XXXX XXXX  that I've been an identity theft victim because my personal information was compromised. I initially contacted XXXX XXXX  and told them that this account was not mine, and I got the credit bureaus to remove the fraudulent charges placed on my credit report. However, the bank and the credit bureaus have ignored my request and continue to report derogatory and fraudulent remarks on my credit report. Therefore, I am filing this report to request that this fraudulent account be removed from my credit report and my records because I did not know this account existed. Someone opened this account without my permission, and once I discovered the existence of this account, I requested that it be closed. I asked them if they would remove the derogatory account from the credit report. They said they would remove it, but the bank and credit bureaus never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: CA

Complaint narrative:
I have informed the credit bureaus and XXXX XXXX  that I've been an identity theft victim because my personal information was compromised. I initially contacted XXXX XXXX  and told them that this account was not mine, and I got the credit bureaus to remove the fraudulent charges placed on my credit report. However, the bank and the credit bureaus have ignored my request and continue to report derogatory and fraudulent remarks on my credit report. Therefore, I am filing this report to request that this fraudulent account be removed from my credit report and my records because I did not know this account existed. Someone opened this account without my permission, and once I discovered the existence of this account, I requested that it be closed. I asked them if they would remove the derogatory account from the credit report. They said they would remove it, but the bank and credit bureaus never did.

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 2023-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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 LETTERS FOR REFERENCE

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 2023-09-26 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: Experian Information Solutions Inc.
State: AL

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 LETTERS FOR REFERENCE

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 2023-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 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: Exeter Finance, LLC.
State: IL

Complaint narrative:
I report abuse of trust by a former co-worker in the process of processing the AUTO loan and where they took advantage of my good will and conducted a whole process of strong consultations with different banks and financial companies, through deception, manipulation and tricks. unscrupulous The car process is requested by XXXX XXXX ( XXXX XX/XX/XXXX Utility - Please see attached data / Digital backup ). XXXX XXXX asked me to help accompany her to her office ( XXXX XXXX ) on XX/XX/XXXX, because she was being offered a car and she wanted to know the amount of the monthly payment and financial responsibilities. - First. They checked her credit and her credentials. ( SSN ) And the salesperson who helped her at that time told her that her credit score is incredibly low and that she needed to present a guarantee and contribute a higher premium to the AUTO. Given that the monthly fee would be approximately USD XXXX to XXXX. 

Having this information, XXXX XXXX suggested to the seller that she try my personal credentials ( SSN ) to see the numbers and take advantage of my credit history and see if the monthly payment could be lowered. 

So, $ XXXX was a very heavy amount for her finances. She was looking for an average fee of approximately USD XXXX. 

I acted in good faith and with the healthy intention that we would try the alternatives and that she would make the best financial decision for her budget. She and the sales associate assured me that only 1 inquiry would be made to the credit bureau and that it would be smooth. And it would not affect my score in the slightest. situation, which is NOT true at all. 

At no time do I request and/or provide my authorization for multiple inquiries to be made for credit validation and I NEVER request to be the main debtor and/or co-debtor in this credit process. 

Here, the deceived, used and useful fool has been my person. And I was almost scammed, due to this bad practice and abuse of trust from my former co-worker.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XX/XX/23 BANK XXXX XXXX XX/XX/23 XXXX FED XX/XX/23

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 2023-09-26 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX  my friend XXXX Called in around XXXX CTS and spoke with XXXX XXXX regarding my debt. XXXX Failed to get XXXX 's first and last name on that phone call. he went ahead and disclosed details regarding my debt to XXXX with out going through any verification process as to who he may of have been speaking with. Under XXXX XXXX understanding he can disclose my personal information to ANYBODY that has my date of birth ( seems like that may be an oversight in training ). My understanding of the FDCPA is that as debt collectors they are required by federal law to keep my privacy protected and to not disclose my personal info to an unverified party. i feel like they are in direct violation of third party discloser laws, covered under SUB SECTION 805 B of the FDCPA. I feel like they are in Violation of my rights, and i am asking them to Cease Collections on this account immediately and to remove off my credit report, as they are in violation of federal law, and they have failed to keep my rights as a consumer protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: TX

Complaint narrative:
I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them. I urge you to take the necessary steps to rectify this error as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I received an email today from Resurgent Capital Services. It stated I was past due on an account from XXXX XXXX. They stated they were. Set contract LVNV Funding LLC to collect on this debt. I've never had an account with XXXX XXXX. I called XXXX XXXX and spent 30 minutes on the phone with them to confirm they have no record of me having an account either. 
So I gave up and called Resurgent despite not wanting to. But the email contained my name and looked genuine. Once on the phone, they told me there is a cease and desist on the account. So I asked why they are contacting me if there is a cease and desist and the lady said I had to give permission to remove it or she couldn't give me any more info. So I said go ahead. At which point she tells me there are two accounts and they are both over XXXX XXXX XXXX. So I hung up since they are zombie accounts and this debt collector should not have been trying to contact me in the first place. 
I believe this debt collector was trying to get me to deactivate an account that they know they can not collect on due to its age. I believe they intentionally sent me wrong information in their email to try and get around the cease and desist. I believe they are using this tactic with lots of customers, too.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: OK

Complaint narrative:
My loan transferred from XXXX XXXX to NewRez LLC DBA Shellpoint mortgage on XX/XX/2023. Various transactions were applied upon boarding of the loan with the new servicer that improperly increased the loan balance by a significant amount by misapplying the order of historical payments/paydowns, making improper charges to fees/penalties, and booking payments already taken by the prior servicer.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: CO

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 2023-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
Genesis FS Card Services has changed its name to XXXX XXXX. You may notice a few changes over the next few months but youll still receive the same great services and benefits at all times. 

XXXX XXXX XXXX XXXX Good afternoon, XXXX XXXX ending in XXXX Current balance {$170.00} Payment due date Minimum payment due {$0.00} Credit limit {$700.00} Available credit {$0.00} AutoPayOff Make a payment Last statement balance {$0.00} Transactions Date Description Type Card Amount XX/XX/2023 ANNUAL FEE Sale {$170.00} PREDATORY LENDING- I CALLED AND ASKED IF THEY COULD LOWER IT. THEY SAID NO AND I HADN'T USED THE CARD YET SO I REQUESTED IT BE CLOSED AND THE {$170.00} FEE TO GO AWAY. EVEN WITH MY CREDIT SCORE I WAS ABLE TO GET A NOTHER CREDIT CARD FOR {$39.00} ANNUAL FEE!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
My loan servicer was recently changed from Great Lakes to Nelnet. I made an account to monitor/interact with Nelnet and found that their website states my first loan repayment is {$3000.00} per month starting XX/XX/XXXX. This did not match what my estimated monthly payment on PAYE ( which is my repayment plan for all my loans ). I called and spoke with a representative from Nelnet on XX/XX/XXXX who stated that I needed to apply for an IDR -- which I pointed out that ALL my loans on on PAYE. After multiple holds, he could give me no information as to why the monthly payment amount or the starting date stating " your loan repayments aren't even starting till next year, so I wouldn't worry ''. This response was unacceptable & I'm highly concerned about the competency of Nelnet to handle loan servicing. I am expecting repayments to start XX/XX/XXXX with income-driven repayment guided amounts via PAYE -- despite bringing this to Nelnet 's attention they have failed to resolve this issue, prompting my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I received an Comdata " debit '' card from XXXX XXXX This card was provided to me for donating XXXX. They advised me that there are ways to withdraw funds without fees and inside the envelope was a " list of all fees '' paper. This list is on the other side of the welcome sheet where the debit card is glued. I got this card because times are hard and donating was a way to help. The List Fee list " Bank teller withdrawal ( for banks participation in the XXXX XXXX ) '' as the ONLY was to avoid fees when withdrawing funds. I went to XXXX Bank on XX/XX/23 to withdraw {$200.00} for the last two donations. The teller at XXXX advised me that the transaction was declined. I currently have a {$200.00} balance on that card. I then called the customer service number listed on the card, XXXX, and asked where I can withdraw funds without fees. She told me that I can not avoid ATM fees. I explained to her the list fee sheet and read the relevant part verbatim and asked if that was a lie. She told me, " I am sorry, but yes. It is a lie ''. Anytime I withdraw funds, I am subject to Comdata charge of {$1.00} plus whatever the ATM 's owner charges, per withdrawal. I received this card and pamphlet six ( 6 ) days ago on XX/XX/23. The information that comes along with the card, should be accurate and current. I also believe that there should be ways for consumers to use their debit card, without having fees withdrawn, just to access their money. During the call with the customer service agent, she told me that I can go to a Regions Bank and avoid fees. That bank is located in Texas, and I am in XXXX. Comdata/XXXX  fees of {$1.00}, plus the ATM 's owner fee ranging from {$2.00} to {$3.00} per withdrawal is unreasonable. ComdataXXXX is also making it difficult to transfer the funds I have on their card, to my personal bank.

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 2023-09-27 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: NE

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my 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 2023-09-26 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: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I have called emailed about 7 times I have had a credit balance for now over 30 days from borrowers defense payments back to my acct they refuse to release my funds to me .it 's owed I have a credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I attempted to create an account with Truist on XXXX XXXX XXXX I received an email with an application ID of XXXX. I paid {$50.00} using a debit card to deposit funds. The email stated here are your new account details. 


Upon trying to make an account through the app and website, I was told that the account was closed and that it could not be opened. I have not been refunded for the {$50.00} after the account has been closed. 

On XX/XX/XXXX, I received a letter in the mail stating the account statement with an account number XXXX. The account was charged {$12.00} for the monthly maintenance fee even though the account was supposed to be closed. 

On XX/XX/, I contacted Truist and was told they can not close the account. I was instructed to go into the branch and I went into the local branch and was told to call Truist and get in touch with their fraud department. Again, I could not get ahold of anyone who could close the 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 explanation
Consumer complaint received 2023-09-26 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: KS

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 non-monetary relief
Consumer complaint received 2023-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: NE

Complaint narrative:
I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.

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