vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-04 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: NJ

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 2024-04-04 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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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:
In accordance with the fair credit reporting act XXXX account # XXXXXXXX XXXX XXXX And account # XXXX XXXX XXXX XXXX. 
And account # XXXX 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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:
In accordance with the fair credit reporting act XXXX account # XXXXXXXX XXXX XXXX And account # XXXX XXXX XXXX XXXX. 
And account # XXXX 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.

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 2024-04-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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: NY

Complaint narrative:
I wish to contest a derogatory item present on my credit report that I believe to be inaccurate, untrue, incomplete, untimely, and potentially not even associated with my responsibility. Upon thorough examination of my report, I have identified numerous errors and inaccuracies being reported. I kindly request that you carefully review and rectify any and all of these discrepancies, ensuring they adhere to the standards of truthfulness, accuracy, completeness, timeliness, ownership responsibility, FCRA compliance, XXXX XXXX Format compliance, and any other relevant regulatory requirements governing reporting obligations.

Your agency is in violation!

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 following disputed information represents allegations that lack sufficient proof of validity and compliance. I insist that you promptly remove these entries from my report. I expect this action to be taken without delay. Below is a list of the contested information : Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NY, XXXX Incorrect Name : - XXXX XXXX XXXX DOB : - 2000 Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NY, XXXX Listed below are the Accounts that are being challenged XXXX  - XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-04-04 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: WI

Complaint narrative:
XXXX block the account so l couldn't be able to give accurate information Always have to wait 30 days which it does sho late on the account and then my credit scores decrease. And when l requested credit it shows late payments which not true

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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:
After doing some research I have found that Experian, XXXX, XXXX has illegally hosted information on my consumer report that has cause me much emotional distress. I am not liable for this debt with XXXX XXXX XXXX XXXX I do not have a contract with XXXX XXXX XXXX XXXX XXXX., the have not provided me with the original contract upon request. XXXX XXXX XXXX XXXX is not authorized or licensed to collect debts in the state of XXXX 

Experian, XXXX, XXXX has also illegally hosted information on my consumer report t that has cause me much emotional distress. I am not liable for this debt with XXXX XXXX XXXX I do not have a contract with XXXX XXXXXXXX XXXX they have not provided me with the original contract upon request. XXXX XXXX XXXX is not authorized or licensed to collect debts in the state of XXXX 

The use of my consumer report and personal information was misused without my consent, proper verification, and my consumer rights voided on behalf of Experian.

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 2024-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2024-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
On XX/XX/2024, between approximately XXXX and XXXX CST, I attempted to withdraw {$1000.00} plus a {$4.00} service fee from my checking account using my XXXX Navy Federal credit union debit card at a XXXX XXXX XXXX drive-up ATM ( ATM ID # XXXX ). During the transaction, the ATM failed to dispense the requested cash but returned my debit card. Suspecting a glitch, I attempted a second withdrawal of {$200.00}, which resulted in an error message from the ATM stating the request could not be processed, and my card was returned again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-04 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: Nelnet, Inc.
State: IL

Complaint narrative:
Ihave reached out to XXXX as well as Nelnet LNS on numberous occassions in reference to the fact they are reporting inaccurate information on my credit report. According to The Fair Credit Reporting Act ( FCRA ) all information should be 100 % accurate. My Nelnet LNS account state XX/XX/XXXX ( ok ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ). This is a violation of The Fair Credit Reporting Act as this information is inaccurate. XXXX and Nelnet both have violated my rights stating the account has been verified as accurate as shown the the multiple reports I have received from XXXX. The Fair Credit Reporting Act requires the account to show 30 days, 60 days, 90 days and 120 days if an account is in fact late which I wasnt on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: TX

Complaint narrative:
I did not authorize these inquiries. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I have a HELOC with America First Credit Union. I typically go on line to make payments. during the first XXXX months of XXXX I made a payment higher than the minimum amount due. I did not make a payment in XXXX because when I wen online the account reflected I did not make a payment until XXXX of XXXX. As it was the holidays and was traveling, I did not make a payment in XXXX. My logic was that since i had made a larger payment for the first 11 months of the year, I had paid ahead on interest which is why no payment was due in XXXX. Same thing for the XX/XX/XXXX payment, the online account reflected no payment was due until XXXX and i again took advantage of that. I made payments in XXXX and in XXXX of XXXX again for an amount over the minimum amount due. XXXX is when the issue showed up, I noticed on my statement online that after my XXXX, XXXX, and XXXX payments that the entire payment was applied to interest only. I called the XXXX and they explained that I had not paid ahead on the interest charge in the first XXXX  months of XXXX, the interest was till accruing XXXX months I did not make payments. I asked them why they did not require a payment from me in XXXX and XXXX and they sais they do it as a courtesy. I feel the online account they show us is deceiving. When you dont make a payment, the balance does not go up or down it remains the same from the last month a payment was made. What they DO NOT show you is that the daily interest due, is accruing and we dont know how much interest has accrued. When I made the payment after the month of not making a payment, the entire next payment was applied to the accrued interest because as they said " interest get paid first ''. So far I have made three payments this year and principal has not gone down. they should have a separate column showing accrued interest, but they dont want to do that because they dont want customers to know what is happening. If I had known any of this, I never would have skipped the payment that they offered me the ability to skip. At this rate, I will pay significantly more in interest in XXXX than the amount of interest that would be due with the stated interest rate on the loan. This practice if allowing customers to skip payments, and NOT showing us the accrued interest when these payments are skipped completely deceitful. They should show us what happened if we skip the payment they offer us ti skip, and in addition, I do not think they are being honest with their Truth in Lending practices because my interest rate will end up being significantly higher than what is stated on my account statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Comerica
State: TX

Complaint narrative:
Last year I thought my card was stolen and I called for a replacement card. I had moved and not updated them yet. They froze my account for for fraud and I have been unable to get it unfrozen. The number you call has a wait time of days if it is ever answered. This is my XXXXXXXX XXXX XXXX not theirs. The amount is at least XXXX dollars. It is absolutely impossible to get through to them. Since this happened I have been homeless because I could not get my money. So yes I have tried everything with these people. I want to have a valid email address to prove info and a timely response without sending me to the no answer phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: NY

Complaint narrative:
I noticed my account at MOHELA was put in general forbearance which I did not request. I asked for removal of the forbearance and was told by the agent it was not possible. I was told it took up to 84 business days for processing. This would prolong my PLSF qualifying payments by 3 to 4 months.

I called twice. First agent was in training and transferred me where I waited over an hour. I tried calling back and spoke to a specialist agent who informed me I could not take any action. She transferred me to a supervisor in which I was disconnected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: IL

Complaint narrative:
I tried online access and was denied. I sent in a dispute letter XX/XX/2023 and never received a response or credit report. I called and was hung up on 3 times and not called back. The agent told me he can not send me a free report or fix my online account, said I can not record the call yet they state the call is recorded. I mentioned I will f8le a complaint and lawsuit if they do not by law send me a 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 2024-04-04 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: NY

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
Per XXXX XXXX XXXX, NCB Management Service is not a registered, licensed or bonded collection agency, debt buyer or collector in the state of Texas. 

Additionally, not only has this account violated my right to privacy promised under 15 USC 1681 Section 602 A but it has also been furnished without my written consent or instruction which violates Section 2 of the aforementioned law. The account is : NCB Management Services, account # XXXX To date, the credit bureaus have not responded within the 5 business days as mandated by 15 U.S. Code 1681i Section 2 ( A ) : " Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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