vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-20 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: GA

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 2024-03-20 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: NJ

Complaint narrative:
I contacted Experian about the fraudulent items on my credit report. In return. they did not send me the actual proof who, date, and how, they verified the fraudulent items. Experian also accused me of using a credit company, when in fact everything I have learned is right from the internet and the FCRA. I have provided all the necessary documents to support my claim. The fraudulent items I DID NOT OPEN THE FRAUDULENT ACCOUNTS and had nothing to do with it.. So from what I can see, The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] that Experian is 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 non-monetary relief
Consumer complaint received 2024-03-20 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: GA

Complaint narrative:
XXXX and Nelnet continue to allege I owe a debt I do not. Georgia law states that a creditor can only collect up to 6 years after the contract and Nelnet has went over that timeframe so the debt has been canceled and reported to the IRS as income. Reporting a balance due is violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I deposited {$500.00} on XX/XX/2024 at XXXX XXXX at Huntington bank ATM on XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX. 

The ATM showed a message saying the amount is on hold for security reasons and i should contact the bank. 

The bank opened a dispute and gave me a temporary credit for the amount. They then took the credit back and told me the dispute was denied on XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-20 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: NM

Complaint narrative:
Commencing on or around XX/XX/year>, I fell victim to two multi-layered scam operations run by XXXX and XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: TX

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 2024-03-21 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: TX

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 explanation
Consumer complaint received 2024-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit report was ran several times which looks like someone was shopping around for an auto loan. It was too many to even count. i contacted the credit bureaus and all they told me was that it only counts as one inquiry and that i need to contact the companies directly. I told them that i was supposed to have a fraud alert in place so the companies could call me first before running my credit and they say sometimes the companies would still run the credit anyway especially for auto loans. These inquiries don't belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX transunion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  transunion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX transunion. 
XXXX XXXX XX/XX/2024 transunion. 
XXXX XXXX XXXX XXXXXX/XX/2024 transunion. 
XXXX  XX/XX/2024 transunion. 
XXXX XXXX XXXXXX/XX/2024 transunion. 
XXXX XXXX XXXX XXXXXX/XX/2024 transunion. 
XXXXXXXX XXXX XXXX XXXXXX/XX/2024 transunion. 
XXXX XXXX XXXXXX/XX/2024 transunion. 

There are also 2 fraudulent accounts on my credit report that are not mine. I spoke with someone at these companies and they told me to file an identiy theft report which I am doing now. 
XXXX XXXX XXXX amount {$240.00} XXXX XXXX XXXX XXXX amount {$460.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: NY

Complaint narrative:
My credit report was ran several times which looks like someone was shopping around for an auto loan. It was too many to even count. i contacted the credit bureaus and all they told me was that it only counts as one inquiry and that i need to contact the companies directly. I told them that i was supposed to have a fraud alert in place so the companies could call me first before running my credit and they say sometimes the companies would still run the credit anyway especially for auto loans. These inquiries don't belong to me : XXXX  financial/D XX/XX/2024 XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX equifax. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX 
XXXX XXXX XXXX XXXXXX/XX/XXXX equifax. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

There are also 2 fraudulent accounts on my credit report that are not mine. I spoke with someone at these companies and they told me to file an identiy theft report which I am doing now. 
XXXX XXXX XXXX. amount {$240.00} XXXX XXXX XXXX XXXX. amount {$460.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 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: FL

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Multiple more times, XXXX charged my card for storage payments of {$2.00} per month for several months. I did not realize that they were doing this to a card that was paid off, with a XXXX balance and had no reason to be checking the paperless billing statement. During the month of XX/XX/2023, being ignorant of these non-approved charges for {$2.00}, I did not pay this google charge and XXXX XXXX XXXX  recorded the {$2.00} XXXX charge as 30 days late. This got my attention. I paid it first in hopes of getting the charges reversed that were for at least XXXX month payment, specifically XX/XX/2023. After proving to XXXX XXXX XXXX  the charges were fraudulent and not approved by me, XXXX XXXXXXXX XXXX removed all charges and reversed the XXXX through XX/XX/2023 {$2.00} charges and specifically XX/XX/2023 late fee and late reporting but have failed to correct It on my credit report. The $ XXXX {$2.00} late fee is still showing on my XXXX credit file and all three major credit reports files with XXXXXXXX , XXXX XXXX XXXX AND TRANSUNION . Please have these $ XXXX {$2.00} charges removed from all four credit reports ( XXXX, XXXX XXXX XXXX AND TRANSUNION ), asap as it has negatively affected my credit! PLEASE SEE THE ATTACHED DOCUMENTS AND SCREENSHOTS FOR PROOF!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Multiple more times, XXXX charged my card for storage payments of {$2.00} per month for several months. I did not realize that they were doing this to a card that was paid off, with a XXXX balance and had no reason to be checking the paperless billing statement. During the month of XX/XX/2023, being ignorant of these non-approved charges for {$2.00}, I did not pay this google charge and XXXX XXXX XXXX recorded the {$2.00} XXXX charge as 30 days late. This got my attention. I paid it first in hopes of getting the charges reversed that were for at least XXXX month payment, specifically XX/XX/2023. After proving to XXXX XXXX XXXX the charges were fraudulent and not approved by me, XXXX XXXXXXXX XXXX removed all charges and reversed the XXXX through XX/XX/2023 {$2.00} charges and specifically XX/XX/2023 late fee and late reporting but have failed to correct It on my credit report. The $ XXXX {$2.00} late fee is still showing on my XXXX credit file and all three major credit reports files with XXXX , EQUIFAX , XXXX AND XXXX XXXX Please have these $ XXXX {$2.00} charges removed from all four credit reports ( XXXX, EQUIFAX XXXX XXXX AND XXXX ), asap as it has negatively affected my credit! PLEASE SEE THE ATTACHED DOCUMENTS AND SCREENSHOTS FOR PROOF!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Multiple more times, XXXX charged my card for storage payments of {$2.00} per month for several months. I did not realize that they were doing this to a card that was paid off, with a XXXX balance and had no reason to be checking the paperless billing statement. During the month of XX/XX/year>, being ignorant of these non-approved charges for {$2.00}, I did not pay this google charge and XXXX XXXX XXXX recorded the {$2.00} XXXX charge as 30 days late. This got my attention. I paid it first in hopes of getting the charges reversed that were for at least XXXX month payment, specifically XX/XX/year>. After proving to XXXX XXXX XXXX the charges were fraudulent and not approved by me, XXXX XXXXXXXX XXXX removed all charges and reversed the XXXX through XX/XX/year> {$2.00} charges and specifically XX/XX/year> late fee and late reporting but have failed to correct It on my credit report. The $ XXXX {$2.00} late fee is still showing on my XXXX credit file and all three major credit reports files with XXXX XXXX XXXX XXXX EXPERIAN AND XXXX XXXX Please have these $ XXXX {$2.00} charges removed from all four credit reports ( XXXX, XXXX XXXX EXPERIAN AND XXXX ), asap as it has negatively affected my credit! PLEASE SEE THE ATTACHED DOCUMENTS AND SCREENSHOTS FOR PROOF!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. 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 non-monetary relief
Consumer complaint received 2024-03-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In XXXX of 2023 I contacted all three credit bureaus regarding inaccurate information that was reflecting on my credit report from my XXXX XXXX. After speaking to supervisors from all three bureaus they assured me that the information would be removed. The information was temporarily removed. Months later the inaccurate information has been placed back on my credit profile. I have requested an explanation of verification via phone and US mail on several occasions. According to the FCRA Act Section 611, I have the right to request an explanation of the verification method used by your company I am requesting a copy under the FACTA act, SEC 312 ( b ) and ( c ). I have given more than enough time for this situation to be resolved and will not wait another 60 days for a reply or an update to my credit profile. 

I am requesting that this erroneous information be removed from my credit profile immediately. 

As I am in the underwriting process this is causing a tremendous roadblock in my homebuying process. To date, I have not received a reply from either of the three credit bureaus and this account is still currently negatively impacting my score. I have made several attempts to rectify this issue with XXXX, Equifax and XXXX and have yet to receive a response within a reasonable amount of time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have never opened an account with this company. I have emails with the conversation proving that I declined their offer and they refunded all of my funds. However, Experian has listed on my credit report that I am 180 days late for an account that was never agreed upon. I have the complete conversation via email for your review. 

Finally, this account shows the account to remain on my credit report til XX/XX/year>, how is it possible for there to be no data reported and it to be 180 days late? There are major issues with the reporting of this information and the accuracy of the investigation conducted. 

Please remove this incorrect information, the entire account, from my credit report immediately because it does not comply with FCRA 611 ( 15 U.S.C. 16811 ), and the information must be deleted 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 explanation
Consumer complaint received 2024-03-20 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: OH

Complaint narrative:
The inquiries were not initiated by me and I firmly believe they are fraudulent. I request a thorough investigation and immediate removal from my credit report.

Company response to consumer: Closed with non-monetary relief