vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-08 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, XXXX, and Equifax to reinvestigate this account from XXXX XXXX XXXX XXXX XXXXXXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any 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 2024-11-08 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the Experian, XXXX, and XXXX to reinvestigate this account from XXXX XXXX XXXXXXXX XXXX XXXXXXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any 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 2024-11-08 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: AL

Complaint narrative:
Account info Account name XXXX XXXX XXXX Account number XXXX I have done multiple disputes, asking that they send me proof that this debt belongs to me

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 2024-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I noticed that the finance company is reporting the same information but with different finance company names and the information is not being reported correctly. I submitted the copies of the credit reports. 

I requested the following information from the financing company, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, no response have been received from the finance company. Please provide the following information or remove debt from my credit report. Under Florida Statutes Chapter 679, which governs secured transactions, and pursuant to Florida 's Uniform Commercial Code ( UCC ), I am entitled to receive certain documents and detailed information related to this process. I respectfully request the following documentation : Final Account Statement / Payoff Statement which should include but not limited to : The remaining loan balance.

The amount credited from the auction sale. 
Any additional charges like repossession fees, storage fees, or late fees. 

Deficiency Notice : The amount received from the auction. 
The remaining balance that you say I'm responsible for ( i.e., the " deficiency '' ). 

Auction Sale Details : The final sale price of your vehicle. 
Any related auction fees or deductions from the sale price. 

Repossession and Sale Fees Breakdown : Towing fees. 
Storage fees ( if applicable ). 
Auction fees. 
Administrative fees related to the sale. 

Loan Agreement/ Original Contract Statement of Payments Made Legal Notice of Default and Repossession : Default notices. 
Notices of intent to repossess. 
Notices informing you of the auction. 

Letter of Intent to Sell or Auction Notice Please provide these documents within 30 days as required by Florida law. If you do not provide the requested information, I will be forced to consider legal action to resolve this matter, including filing a complaint with the Florida Office of Financial Regulation and/or pursuing further dispute resolution. 

I appreciate your prompt attention to this matter and look forward to receiving the requested documents as soon as possible. If you require any additional information from my side, please do not hesitate to contact me via email XXXX Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: PA

Complaint narrative:
It has come to light that you are not removing the records, despite my submission of the FTC report. As required by Regulation 605b of the FCRA, I am sending this complaint to help establish a formal response. If you choose not to block the items listed below, which are inaccurately reported due to fraud, I will turn over my documentation to my attorney to initiate legal action. My intent is to avoid any legal proceedings, so I urge you to comply with the law promptly. 
XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX Balance : {$620.00} XXXX  XX/XX/year>

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 2024-11-08 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: PA

Complaint narrative:
It has come to light that you are not removing the records, despite my submission of the FTC report. As required by Regulation 605b of the FCRA, I am sending this complaint to help establish a formal response. If you choose not to block the items listed below, which are inaccurately reported due to fraud, I will turn over my documentation to my attorney to initiate legal action. My intent is to avoid any legal proceedings, so I urge you to comply with the law promptly. 
XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX Balance : {$620.00} XXXX  XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections. 

I have attached the documents and IDTheftReport_XXXX LATE PAYMENT Account Name : XXXX  Account # XXXX Date Opened:XX/XX/XXXX Balance Owed : {$0.00} Account Status : Closed Account Name : XXXX  Date Opened:XX/XX/XXXX Balance Owed : {$0.00} Account Status : Open INQUIRIES XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, Employers : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I am writing to formally dispute certain inaccurate and fraudulent information that appears on my credit report, as these items are the result of identity theft. The fraudulent items listed above are not authorized by me, and I have never had any association with these accounts. I do not recognize how this account is reporting on my credit report. I do not recognize the account number. I do not recognize the account status. I do not recognize the account balance, nor do I recognize the late payments associated with 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 2024-11-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EdFinancial Services
State: PA

Complaint narrative:
In Pennsylvania the statues of limitation is 4 years after the 1st missed payment, creditors may still report up to the additional 3 years; totaling 7 years. Education Financial Services is abusing the policies put in place. Private student loans the PA statue of limitations apply. Federal Student loans those exact rules don't apply, but then we would have to look at the terms of the contract, which the contracts for this entity can not be provided. According to the terms outlined on these credit reports they are mostly 120 months, which equal to 10 years. These loans date back between XXXX. It's one loan that date back to XXXX, which that loan is a private loan. Some of these creditors are found to be using tactics such as " running of the credit report '' According to the FCRA Section 605 ( c ). These credit agencies are stating they have done legit investigations. How are these investigations done? They are allowing these companies to abuse processes. The amounts are being changed any time my credit score go up. Increases are happening from day to day. Soon as you catch them breaking the rules suddenly the amounts go down, and the remarks change. This is happening every month. The private loans from XXXX, and XXXX. They should not be on my report. Ive reached out to The Department of Education numerous times about this particular school. Due to this school 's practices they have lost their accreditation as well as went out of business. Ive made plenty of reports with the CFPB about this fraudulent corporation. They are so wrong on so many levels they just don't respond.15 USC 1692 states without written consent, it's illegal for a collection agency to buy your debt and come after you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: NC

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize nor authorized.

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 2024-11-08 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: VA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX/XXXX/24 XXXX- I have no documents that I have signed. Please provide the original signed documentation that this belongs to me

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 2024-11-08 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
I have had multiple accounts with CIT Bank for several years. I have not had any issues. All of a sudden, without warning, my account was closed. A check was sent to me for my balance. Upon inquiry, CIT Bank said they closed my account on accident and that it was a " Banking error. '' When they went to reopen the account, I was told I couldn't have an account if I wasn't able to show proof of a lease or a mortgage. I informed CIT Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which allows a customer 's business street address to be used in place of a residential address. 

CIT Bank refused to open my account due to the discriminatory practices of only allowing people who have proof of a residential address to obtain accounts. There are a lot of people in XXXX XXXX who do not live in a residence or have the ability to show proof of a lease or mortgage. XXXX XXXX XXXX XXXX XXXX clearly provides multiple ways to open a bank account without a residence. 

I request assistance from CFPB for not only myself, but for a community of people who should be able to live where they want to live and bank legally with the bank they want to bank with, without discrimination. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
The car was total loss in a car accident in XXXX of XXXX. I have tried to settle to no avail. On XX/XX/XXXX, I went to inquire about a vehicle for purchase. I was denied due to credit acceptance placing a repo on my credit report. States that they repo the totalled car 52 months ago. The credit report is showing open delinquent payments. FCRA states I have the right to fair credit 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 monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: TN

Complaint narrative:
I am writing to express my deep concern regarding the negative impact of your recent consolidation process on my credit report. Specifically, Account Information : Dept of ED : XXXX, XXXX, XXXX, XXXX. 

XXXX  : XXXX, XXXX, XXXX. 

NELNET  : XXXX, XXXX, XXXX discrepancies. 

These inaccuracies have significantly damaged my credit score and limited my financial opportunities. I believe this is a violation of my rights under the Fair Credit Reporting Act. 
I have attempted to resolve this issue directly with Nelnet, but to no avail. I kindly request that you take immediate action to correct these errors and restore my credit report to its accurate state. 
I would appreciate a timely response and resolution to this matter. If the issue is not resolved promptly, I will be forced to escalate the matter to the Consumer Financial Protection Bureau and other relevant authorities. 
Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am writing to report an issue with setting up AutoPay and verifying micro deposits for my Macys XXXX XXXX AmEx credit card. The issues Im experiencing on the Macys website are making it difficult to manage my account payments effectively. I have outlined the specific issues below : Issue 1 : When attempting to verify the XXXX micro deposits, the system does not allow me to proceed. The screen freezes, and no new information or prompts appear to confirm the verification. 

Issue 2 : When enrolling in AutoPay, I selected the " Statement Balance in Full '' option and clicked on " Authorize. '' However, I received an error message stating, " This service is temporarily unavailable. Please try again later. '' Despite multiple attempts on both XX/XX/XXXX and XX/XX/year>2024, from XXXX different computers and using both XXXX and XXXX browsers, the issue persists. 

Additionally, whenever I attempt to change the payment setting from " Minimum Payment '' to " Statement Balance in Full, '' the selection reverts back to " Minimum Payment '' without allowing me to save my preference. 

I appreciate any assistance you can provide in addressing this matter to ensure I am able to manage my payments effectively. 

Thank you for your attention to 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 2024-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo Closed Account Due to OverDraft Fees In Account, Closed Savings & Checking 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 explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-11-08 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: MI

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX/XXXX/XXXX  XXXX XX/XX/XXXXXXXX  XXXX XX/XX/XXXXXXXX  XXXX XXXX XX/XX/XXXXXXXX  XXXX XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief