vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-06 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: CA

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. 

XXXX XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
U S DEPT OF EDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$4300.00}. 
U S DEPT OF ED/XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$7100.00}. 
XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$73000.00}. 
Collection account from XXXX XXXX XXXX XXXX with account # XXXX and a balance of {$8400.00}. The original creditor is XXXX XXXX. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there and it's been going on for yeas and it's giving me 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 2023-11-06 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: MI

Complaint narrative:
I applied for credit and was denied because of non autorized accounts and address 's were assembled /placed on my consumer report which are fraudulent, So I sent a letter to all three CRA 's registered mail in good faith explaining what happened and to delete mentiond accounts/address within the letter/complaint I sent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I applied for and received this XXXX XXXX  card from Comenity on XX/XX/XXXX. I was able to make purchases on XX/XX/XXXX and XX/XX/XXXX. 

I have never received a card for this account. I called Comenity multiple times and have been told that a new card is on its way, only to receive letters each time stating that I can't be issued a card at this time. 

I was told as an alternate, I could enter my SSN, ZIP, and provide ID at XXXX XXXX XXXX XXXX to use my account. I recently tried this twice, and had the transaction declined : XX/XX/XXXX XXXX  XXXX, CO XX/XX/XXXX XXXX  XXXX, CO I called and was told on XX/XX/XXXX that this a a " cardless account '' - no card is issued for it. I tried to purchase with my SSN on XX/XX/XXXX at XXXX XXXX in XXXX, CO, and the transaction was declined. 

I again confirmed with Comenity on XX/XX/XXXX that this is a cardless account and that previous CSRs who told me they were sending a card were mistaken and giving me bad information. 

I then tried to use my SSN and ZIP and ID at XXXX XXXX in XXXX XXXX on XX/XX/XXXX, and the charges were again declined. 

I tried to use my SSN and ZIP at XXXX XXXX  in XXXX XXXX  on XX/XX/XXXX, and the charges were again declined. When I called Comenity, I was told that I could only make transactions if I had a card. 

Summary : Comenity has failed to send me a card for 16 months, has declined all my transactions despite being in good standing, and has given me directly contradictory information about whether I needed a card or not. Repeated escalation has not worked, and I have been humiliated at XXXX XXXX stores at least XXXX times in the past XXXX months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC
State: SC

Complaint narrative:
I have requested a copy of my contract multiple times and their only response is that they dont have it. Some of the representatives lie and ask me for my email and pretend as if they will send a copy and I have yet to receive any documentation and it has been 2 months. I have written the company and I have called numerous amounts of time. They are very unprofessional. When I ask to speak to a manager they say that they are all busy. I understand that I have a right to the contract. They charged off the account as bad debt to the credit bureaus without giving me any information. This experience with a simple request has been overall repulsive. I literally had to beg a representative to try and reach out to a manager. Its disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC
State: OH

Complaint narrative:
After executing the Contract Agreement ( XXXXXXXX XXXX ), I found that Ohio Revised Code limits APR on such loans. My agreement was for 96.85 % APR ( which felonious usury per ORC XXXX ), and requested that the company comply with the maximum interest rate allowable in Ohio per ORC 1321.13, and apply such excess usury interest payments applied to my principal per ORC 1343.04. Westlake Financial, dba Wilshire Consumer Credit, has refused to comply with any request for compliance with the ORC and I am now requesting that the Agreement be Null and Void ( per ORC 1312.02 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: OH

Complaint narrative:
There has been a number of fruadulant inquiries on my personal credit report. I need these removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The law states any inaccurate information on my credit report needs to be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Opportunity Financial, LLC
State: IL

Complaint narrative:
I applied for a personal loan, and was asked for documentation showing my legal name change. I provided my US Passport, current unexpired Illinois drivers license, paystubs from my employer and social security card. I was then asked for my marriage certificate proving why my name changed. I submitted a copy of my marriage certificate, apostile and certified translation documents because I was married outside of the US in a country participating in the Hague Convention. I was then told that my marriage documents had to be US issued. which is not possible as I was married outside of the country, despite my documents being accepted by the United States Government. this is discriminatory practice. All of my documents are US government documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: Credit Card Receivables Fund Incorporated
State: PA

Complaint narrative:
According to the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX account # XXXX15 U.S.C 1681 section 602 A states i have the right to privacy 15 U.S.C 1681 section A section 2 : It also states i consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2023-11-06 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. Account # 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 an account without my written instruction

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XX/XX/XXXX I contacted the three credit bureaus to inquire about inaccurate information that is currently reporting on my credit profile. XXXX is an account that was opened XX/XX/XXXX on my profile. The account number is XXXX and has a balance of {$630.00}. It was opened against my knowledge and consent, and is a charged off account that has a negative rating on my credit profile. I am asking all three credit bureaus to remove this account from my profile. Per 15 U.S.C 1681S-2, " permissible purpose of the consumer, a person shall not furnish any information related to a consumer to any reporting consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate ''. 15 U.S.C. 1692-J states, " No one may design, compile, and or furnish any form that creates the false impression that someone other than the creditor is participating in the collection of a debt ''. 15 U.S.C. Code 1681C-2 " Block of information resulting from identity theft. ( A ). A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than ( 4 business ) days after the date of receipt by such agency. ( XXXX ) A copy of an identity theft report ''. Please remove immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I moved out of a rental house in Washington DC in XXXX. Prior to moving I had signed up for XXXX XXXX and had paid the monthly bill. The roommates remaining at the residence wanted to continue the service. Prior to moving I called XXXX with one of the remaining roommates and requested they remove me from the account and add her to the account. XXXX confirmed this would be done. 

From XXXX through the beginning of XXXX I received no communications from XXXX regarding this account, which had been current when I left the residence. At the start of XX/XX/XXXX I began receiving collection notices from XXXX stating that I owed an unspecified amount on the XXXX account. 

I repeatedly requested any verification of the debt, and requested that XXXX communicate with me in writing. To date I have not received verification of the alleged debt, and XXXX has continued to call me in relation to the alleged debt, with the most recent phone call coming on XX/XX/XXXX. 

On or about XX/XX/XXXX, XXXX reported to the credit agencies that I owed an unpaid balance of {$4500.00} on the account. I disputed this report with all three credit agencies. All closed my complaints with no change to my credit report, and did not provide any information to me from XXXX, nor request any additional information from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 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: CA

Complaint narrative:
Nelnet ( formerly, Great Borrower Lakes ) had transferred all of my ( XXXX ) federal student loans in XX/XX/2023 and received payoff confirmation. Account balance is XXXX and accounts closed ; however, Nelnet still has NOT reported this change to credit bureaus as of XX/XX/2023. Since then, I have paid off a number of loans with the new servicer XXXX in XX/XX/2023. 

I've made several attempts to reach Nelnet over the phone, email, and portal to resolve their inaccurate credit report. After waiting a reasonable amount of time without a response, I filed disputes with credit bureaus ( attached payoff confirmations, statements, and screenshots ). 

Nelnet continues to deny the loan balance change and has certified to XXXX ( and other credit bureaus ) that the information is accurate. This results in a false loan balance from Nelnet, who has not updated the credit report since XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account number XXXX violated my rights.

15 U.S.C. 1681 section 602 A. States that I have a 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. 
This company has not validate any debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
Received a credit hit for a new debit collection in the amount of {$560.00} for XXXX, but never received any information regarding this debit or that it was any attempt to collect and or given the opportunity to resolve with other opposition, I have filed a police report for identity theft.But requesting that this be removed from my report per the credit report this account was opened in XXXX of 2023. Yet I havent had XXXX in years and debit was paid then.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: TX

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 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: FL

Complaint narrative:
I am a victim of identity theft. None of the items or transactions are related to any transactions completed by 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 non-monetary relief
Consumer complaint received 2023-11-06 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: CA

Complaint narrative:
My student loan was transferred to Nelnet recently. Nelnet heavily advertised their auto payment service, so I signed up for it. I logged into may account today and it shows a balance past due, despite being enrolled in auto payment. I waited on hold for 2 hours. The first thing the representative said to me was that I have a balance past due. I let him know I am enrolled in auto payment so how is that possible. He said auto payment takes two days to process AFTER the due date. This is such an odd and inconvenient system. How do they function as a bank with misleading practices? Why did they win the bid for my public loan? Who vetted them?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: FL

Complaint narrative:
To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have use my information to open them and also make fraudulent activities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: WI

Complaint narrative:
I was scammed and I lost funds. I was a victim of an elaborate fraud that took advantage of human need. I have reached out to many times to crypto company and banks involved and was left helpless and victimized. Here is a picture of the wire transfers to XXXX XXXX XXXX XXXX XXXX. And I have attached paperwork as well. 

This is the only hope I have to retrieve my funds. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: CA

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. 

XXXX XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
U S DEPT OF EDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$4300.00}. 
U S DEPT OF EDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$7100.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$73000.00}. 
Collection account from XXXX XXXX XXXX XXXX with account # XXXX and a balance of {$8400.00}. The original creditor is XXXX XXXX. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there and it's been going on for yeas and it's giving me anxiety

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
Requested money back, merchant provided receipt and refund. USAA reversed request and will not give me my money back. Issue has been ongoing for 2 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 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 am requesting that it will be removed from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief