vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: EQUIFAX, INC.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my 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 2024-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I made a payment of XXXX XXXX XXXX XXXX Paypal took the money out of my checking account on XX/XX/XXXX. They will not release my available credit until XXXX XXXX I need to make an emergency house repair and they will not allow me use my available credit. They said they put a 21 day hold on my payment because it was higher than normal and gave me no ability to have the hold overridden even though I could prove the money was taken out of my checking 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 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Kindly eliminate these inquiries. I lack any knowledge concerning them, and the company proceeded without my consent.

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: FL

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 XXXX # XXXX, XXXX XXXX XXXX # XXXX, 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. 

The date of service is XX/XX/XXXX and also XX/XX/XXXXXXXX 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 2024-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
THE COMPANY IS ATTEMPTING TO COLLECT THE DEBT I BELIEVE I DO NOT OWE. THEY'RE FURNISHING INFORMATION TO MY CONSUMER REPORT IDENTIFIED AS IDENTITY THEFT AND NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: FL

Complaint narrative:
See all letters I have attached

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts 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 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax Headquarters XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX Dear sir, I have received another letter from one of your offices in XXXX addressed Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX written dated on XX/XX/XXXX of 2024. This one also mentioned the status unable to process the security freeze. Same to the last one, it asked two documents for identification, one from government issued and one to validate my address ; therefore, I enclose the copies of XXXX passport and drivers license. The letter asked me to decide myself the duration of security freeze. From my experience to add the security freeze, upon the request of some credit report companies, if correct and consistent on their sides, I was asked to file the necessary documents for XXXX years. However, since your company office asked me to decide, and internet search suggested that the victim of the XXXX XXXX could choose the duration. Therefore, I strongly wish it will last XXXX XXXX XXXX ; therefore, it should be from XXXX XXXX, 2024, to XXXX XXXX, 2080. Also, since the letter asked another identification document, I enclose a copy of social security number. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: VA

Complaint narrative:
This is the second time I am having a problem with NelNet. In XXXX, I complained that I was having to pay more than what I was told my monthly payment was under the SAVE plan ( monthly payment is supposed to be {$420.00} ). Someone from NelNet responded and said that the extra amount that I paid would be applied for the next time my payment was due ( due on XX/XX/year> ). I was told in a letter from NelNet that {$400.00} would be due on XX/XX/year>. I planned to pay this amount, with a contribution of {$120.00} from my employer. On XX/XX/year>, I checked my account to see what was due after my employer had contributed their {$120.00} and saw my balance due for XX/XX/year> was {$330.00} ( and change ). I was surprised because doing the math of {$400.00} - XXXX should mean I only owe {$270.00} on XX/XX/year>. I reached out to NelNet to ask about this discrepancy and they told me that the payment by my employer was distributed to the next 3 monthly payments and that I should call the company making the {$120.00} contributions to apply all of it to my monthly payment instead of across all the loans. Fine. 

Today ( XX/XX/year> ), I checked my account again because I had received an email that my student loan billing statement is available. I was surprised to see the amount due had increased from {$330.00} to {$340.00}. I called NelNet AGAIN to ask about the discrepancy as I had been told my amount due for XX/XX/year> would be {$400.00} and I was not expecting that number to change. The customer representative explained to me that interest accrues and it gets applied to my monthly payment if my monthly payments are not enough to stop interest from accruing. What I don't understand is why my monthly payments are changing under the SAVE plan. Since this is income based and my income is not changing, why is my monthly payment changing? 

I'm extremely tired and frustrated of having these problems with NelNet and my monthly payments are extremely unpredictable every month. This is impossible to keep up with and I need an explanation as to why this keeps happening. The representative I spoke with said " well it's only a few dollars ''. That doesn't matter. Whether it's {$1.00} or {$100.00}, I can't continue to make payments every month not knowing exactly what I'm going to owe because I have things I need to budget for. I think this is a poor way of looking at this situation and I need someone to explain why my monthly payments keep changing.

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 — Old information reappears or never goes away
Company: COLLECTION ASSOCIATES, LTD.
State: TX

Complaint narrative:
This installment loan was taken out on XX/XX/XXXX and no payments were made. In XX/XX/XXXX it was charged off and put on my credit report. My credit report showed that the account would fall off my credit report on XX/XX/XXXX. The account did fall off until a year later in XX/XX/XXXX this company bought the debt and is now reporting it to my credit report as new debt. I was not aware until recently it was even on my credit report, I was not contacted in any way, either by phone or mail that this even existed until I started looking at new loans for college. I have disputed this 3 times with no success. This is beyond the XXXX  year statue of limitations to be negatively impacting my credit report. This is not only affecting me financially but also emotionally and I will take legal action if there is no resolution to come out of this.

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: UT

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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
So my brother and sister in law were living with me and they stole my account information/the card and used it to make multiple transactions as well as doing the same to my grandmother. We've both filed police reports and pressed charges. When I first spoke to a representative I was told a police report was all I needed for this to be open and shut. I've now spoken to XXXX different representatives and been told different things from them all. They've denied my claims for ungodly stupid reasons. Because a transaction was made by one of them at a store I shop at due to its location being mere blocks from my apt they said it was a valid transaction. Even though I don't see how they don't see its plausible they could of walked there and made the transaction unbeknownst to me since it's like a XXXX minute walk. They said they see a pattern and it's a possibility it wasn't fraudulent yet I have detectives telling them this absolutely happened so my detectives/absolute statement is somehow trumped by their potential pattern recognition. Keyword potential. Not absolute. How does potential XXXX absolute? Absolutely ridiculous. I did everything I was told to do and got denied. Yet my grandma got her money back. Same bank. Different accounts. Same scenarios. But I'm denied and she wasn't. It makes no sense. Now I'm going to get evicted because I can't make rent due to this money being taken and not returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
ive been a victim of idenity theft i check my credit in janaury and notice a navy federal credit union credit card open under my name that i didnt consent to are had any knowledge of this account. someone open and this navy fed credit card under my name using my social security number my driver license and my address through united states postal service mail forwarding and also used spoof my cell phone number and open a bank account with navy federal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
ive been a victim of idenity theft i check my credit in XXXX and notice a XXXX XXXX XXXX XXXX credit card open under my name that i didnt consent to are had any knowledge of this account. someone open and this XXXX XXXX XXXX card under my name using my social security number my driver license and my address through united states postal service mail forwarding and also used spoof my cell phone number and open a bank account with XXXX 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 2024-03-14 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: TX

Complaint narrative:
I contacted the credit bureaus regarding items on my credit report that are not right. Whatever investigation they conducted did not fix anything on my reports. There is still things on my credit report that are not supposed to be there and other things that are incorrectly reporting.

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a dispute to Transunion by certified mail on XX/XX/2024. The letter was typed and, detailed the disputed information. My driver 's license and a recent utility bill was also included. Transunion responded on XX/XX/2024 : " we were unable to determine the nature of your request or your request was illegible. '' My legible, clearly stated request is attached. There is no reason why the company can not investigate. The investigation window is still 30 days for them to respond properly, not with a fraudulent claim that my letter is unclear or illegible. I have attached the letter sent to them.

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: EQUIFAX, INC.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
Rocket Mortgage has denied my application

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

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, 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 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: CA

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 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: AZ

Complaint narrative:
last month I applied for a secured credit card at a bank, then representative told me after pulling my report shows I have SSN, but I am NRA, I only have ITIN, there is no SSN at all.

Company response to consumer: Closed with explanation