vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-02 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), my rights have been violated.

1. Under 15 USC 1681 ( a ) ( 2 ) ( a ) ( i ), which states that a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment. 


2. Pursuant to 15 USC 1681 section 604 ( a ) ( 2 ), Which outlines the permissible purposes for which Consumer reports Can not be without written instructions, and any violation of these provisions constitutes a breach of my rights. 


3. My rights have also been infringed Upon under 15 USC 1666b, Which specifies that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Therefore, any reporting of late payments on my credit report is in accurate and should be rectified accordingly. 

Dates : XX/XX/XXXX XX/XX/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 2024-05-02 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: IL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2024-05-02 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: IL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
This account is showing Negative late payments which is not accurate and need to be updated immediately CAPITAL ONE - Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: NY

Complaint narrative:
I check my consumer reports regularly and upon doing so I noticed that Equifax isn't reporting my two oldest primary tradelines which are my federal student loans. After contacting Equifax I was told that they've never had any knowledge or records of my student loans and there isn't anything they could do as far as updating my consumer report. However they recommended that I contact the original creditor of my student loans ( XXXX  ). Upon speaking with a customer service representative at XXXX I was informed that they report y student loans to each of the the 3 major credit bureaus XXXX, XXXX, Equifax, and XXXX as well. I then requested that they send a letter of insertion to Equifax to ensure that they'll begin to report and they have yet to report anything of my student loans which again are my two oldest primary tradelines. With Equifax failing to report my positive information regarding my student loans this hinders my credit worthiness and is a clear FCRA violation due to misleading data being an error. I've also attached my XX/XX/XXXX consumer report from XXXX showing my student loans reporting and my XX/XX/XXXX consumer report from Equifax that's not showing my student loans reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
I called the number provided for the Ally fraud department on 3 different occasions, and each time I was routed to the main customer service line. Once I spoke with the customer service agent, they all promised to connect me with the fraud department and put me on an indefinite hold. There is no way to contact t

he fraud department, who I'm being told is the only department that can resolve the issue I am having, and no one can escalate the call or the issue. There have been promises of followup emails or phone calls but there has been no change in the situation for over 3 weeks. I can not access my bank account through Ally or my auto loan because of this issue.

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 2024-05-02 00:00:00
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
ON XX/XX/year>, TRANSUNION FAILED TO PERMIT ACCESS TO MY CONSUMER REPORT. THIS HAS BEEN A RECURRING ISSUE WITH TRANSUNION PURSUANT TO FCRA VIOLATIONS THAT ARE BEING REPORTED TO CFPB AND IT APPEARS THAT TRANSUNION HAS ESTABLISHED A PATTERN OF DENYING THE CONSUMER ACCESS TO THEIR CONSUMER REPORT IMMEDIATELY FOLLOWING REQUESTS FOR FCRA COMPLIANCE BY THE CONSUMER.

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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
After reviewing my XXXX, Experian and XXXX credit reports again, I have identified some inaccurate late payments that needs reporting and correction through your company. These late payments are illegal. You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see the attached file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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:
My information has been stolen and used against my rights. Someone has been applying for things in my names also got an apartment under my name. I would like for this to situated soon as possible. I did not give anyone the authorization to apply for anything in my name for these are fraudulent. Even to the point the address on my report does not match my original address. There is a file listed below showing my residency that way all the other addresses needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: IL

Complaint narrative:
XXXX XXXX Bank ss ( XXXX # same inquiries ) wasnt able to provide contract agreement details of fraudulent loans. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they wasnt able to provide contract agreement details of fraudulent activities to obtain retail credit nor activities related to me documented. And XXXX, Its reported as well fraudulent on the EXPERIAN CREDIT REPORT. Identity theft reports as well as police reports and complaints and disputes of EXPERIAN VIOLATIONS to my privacy, and slander of these false reporting to my report.EXPERIAN CREDIT AGENCY fails to comply with the fcra, XXXX, and the cfpb

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 2024-05-02 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:
There are numerous un-authorized inquiries on my credit report that I did not give consent to nor benefit from.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I ran my credit report and was shocked to see a gigantic increase in my student loan debt. The balance should be in the ballpark of {$70000.00} but ballooned to over {$140000.00}, nearly exactly double what I actually owe. 

In XXXX of XXXX Nelnet had transferred my account to XXXX. I have this documented. Now both Nelnet and XXXX continue to report my student loans, showing a duplication of each loan under two different servicers. 

On XX/XX/XXXX I reached out to both Nelnet and XXXX. Nelnet claimed that it was not their problem, that they were reporting " correctly. '' I confirmed with them my account balance is XXXX. So I said to them, so if you say my account balance is XXXX, but you are reporting a balance of thousands, then clearly you are not reporting correctly. They also claimed that this is only an issue with one credit bureau. I explained that it is not, it is double reported on all three. In my mind this is fraud and lies. They are fraudulently miss reporting to the credit bureaus and it has severely harmed my credit. They continued to claim it was not their problem and to contact XXXX that they hadn't accepted my loans. XXXX says they have accepted my transfer, and I believe that to be accurate because they are showing up on my credit reports. 

Nelnet needs to be held accountable for fraudulently reporting to credit bureaus and habitually lying to borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
THE WORST CREDIT CARD COMPANY THERE IS. ABSOLUTE MONEY GRABBERS AND LIARS. 

I opened my American Express credit card on XX/XX/2024. I had an issue with what my credit limit was at first and they kept changing the number and what was allowed for balance transfers. I remained neutral through that whole issue. Then, I purchased something online that I later found out was a scam website and immediately called about 15 minutes after putting my credit card information online to have the charge blocked. The representative lied to me and said that I must wait until the charge goes through before they can " remove '' this charge. They are now " investigating '' this scam website and gave the fake company almost 6 months to provide any kind of documentation that they sent a product despite my best efforts to block them from allowing the charge to go through. They later said it's my fault for putting my card information online in the first place and that I am responsible for this. THEN, most recently, I got NO notifications, texts, calls, or otherwise that there was not a payment scheduled for this past month. I logged onto to the app the see to my surprise that the account is in past due and that a payment was due two days ago. I immediately made a payment and called to have the late fee waived as I was not aware that a payment wasn't made. I was instructed to wait until the funds are withdrawn from my bank and to call back to have the fee removed. I called today and they declined to remove the fee. When asked for an explanation, they said they are unable to provide one and are unable to assist me further. I was furious at their level of money grabbing and placing customers in difficult situations, asking them to wait, then blaming them for waiting, essentially. I would like to have them investigated as I'm sure they are not following guidelines for consumer services. I also saw they are currently being sued for overcharging merchants on consumer purchases. Seems like all around, it is a money grabbing company with no consideration for customer service at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: MD

Complaint narrative:
I just checked and reviewed again my XXXX, Equifax and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: VA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. 

XXXX XXXX XXXX XXXX : True identity fraud XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: VA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. 

XXXX XXXX XXXX XXXX : True identity fraud XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communications. 

reporting to consumer report is a form of communications! 
XXXX Account # 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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communications. 

reporting to consumer report is a form of communications! 
XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communications. 

reporting to consumer report is a form of communications! 
XXXX Account # 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 explanation
Consumer complaint received 2024-05-02 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: IL

Complaint narrative:
Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Over period of 2 years, most recently XX/XX/year>. Creditors and I can not get history on any accounts through Equifax. XXXX and XXXX both have files. In the Equifax file it shows a score but no history. I have provided documentation for identity, screen shots, and letters from creditors stating unable to pull files. Equifax claims it is not on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: NY

Complaint narrative:
After reviewing my Transunion consumer report I noticed a collection that shouldn't be reporting. The collection is from XXXX XXXX XXXX collection company and the original creditor being XXXX XXXX XXXX with a balance of {$220.00}. This debt is wrong and misleading information which hinders my credit worthiness. I've already reached out to Credence via certified mail requesting validation and verification of the debt as well as disputing the debt entirely. I then followed up with writing Transunion as well disputing the negative item and to inform them that I've contacted the debt collector also. To my understanding XXXX XXXX XXXX has XXXX business hours upon receiving my dispute to stop any form of communication within the XXXX  day validation period. XXXX being via phone, email, contacting any employers, as well as reporting of any negative items and or information to any of my consumer reports. Credence Resource Management HAS NOT validated or verified anything nor can they due to his debt being false and misleading information. Transunion also HAS NOT removed this particular item from my consumer report nor marked it as in dispute. I've also attached a copy of my original letter to XXXX XXXX XXXX along with certification it was sent and the return receipt showing it was received also. Certification of my Transunion letter being sent as well as return receipt showing that it was received. I also included my updated XXXX and XXXX consumer reports showing that this debt is not included in those consumer reports at all. To my understanding this is a clear violation of 15 US code 1692e with this being false and misleading information. This is also a clear violation of 15 US code 1692g due to the debt collector NOT ceasing any efforts of collecting without the debt being validated as well as NOT removing the debt from my consumer report Nor marking it as " in dispute ''.

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 2024-05-02 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was trying to purchase a DJ controller off of XXXX XXXX. Was in communication with the seller and we both agreed with the amount of {$160.00}. This was around XX/XX/2024. He sent me a number to send the money through XXXX XXXX. Turns out to be a scam. He claimed that he never received it and proceed to keep sending him more money. I filed a claim with Wells Fargo and they denied it because they can't due a charge back because it was a third party.

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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 USC 1681 Section 602 A. States I have the right to privacy.

15 usc 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.

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

15 USC 1681 c ( a ) ( 5 ) 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.

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