vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-10 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: MD

Complaint narrative:
Dear Equifax : To ensure that your company is reporting account 100 % accurately, I would like to know the procedures used to investigate this inaccurate collection account. Did you even conduct an investigation because it is still not reporting 100 % correctly? 
1. 15 U.S Code 1667a - Consumer lease disclosure XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft XXXX XXXX  Account Number : XXXXXXXX  This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
3. Under 15 USC 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt this account is in violation. 
US DEPT ED Account Number : XXXXXXXX   This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
4. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX XXXX  Account Number : XXXXXXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
5. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX  Account Number : XXXX Please remove it from my credit report. 
6. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX 7. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX  XXXX, XXXX  XXXX Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 
30 days should be enough time to get back with me. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-10 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: Kikoff Inc.
State: FL

Complaint narrative:
KIKOFF LENDING LLC This account was due to fraud/Identity theft I contacted this creditor & they have failed to provide any contract, identification or signature. All they stated that they have my social security number. I advised the creditor that I did not open this account & it was open fraudulently. The creditor stated there was nothing could be done. I have filed a dispute twice with XXXX & they have failed to remove the item

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 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: PA

Complaint narrative:
I currently have some accounts and inquiries on my credit report I have listed supporting documents below.

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 2023-12-10 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
Hard Inquires for XXXX  XXXX, XXXX, XXXX XXXX and Affirm {$410.00} debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I received an email on XX/XX/ from JPMorgan Chase & Company Bank saying that my credit card bill is overdue and it is overdue by 120 days. However, I do not currently have a credit card from Chase Bank. I have not had a credit card in over 2 years from Chase Bank. I called to see what was going on and why am I receiving this email. I found out that someone used my social security number under a different name to get a credit card. I have requested as of 2 weeks ago to have this taken off of my report and investigated. I was getting the runaround saying that I needed to call the fraud department because Chase Bank couldn't do anything. The fraud department said I needed to call back Chase Bank. I want this matter to be investigated ASAP. I also asked what was the name on my account so I can file a police report for credit card fraud and they did not give me the name on file using my social security number to get this credit card. Niw this is affecting my credit score and should not be on my credit report because I do not have a Chase Bank credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I XXXX XXXX XXXX Currently have some Fruad inquiries on my credit report. I did not authorize these inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom this may concern, After pulling a copy of my Equifax credit report, I was absolutely SHOCKED to find that ALL my accounts were deleted off my Equifax Credit Report!!! I contacted Equifax directly and spoke representative named " XXXX XXXX, her member number is XXXX XXXX XXXX She was unable to assist me in this matter. This is extremely frustrating because I am in the process of obtaining a Home loan for my family and this is slowing down the process. Please fix this IMMEDIATELY before LEGAL ACTION IS TAKEN!!! The FCRA is being completely violated by Equifax.. 

Sincerly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NV

Complaint narrative:
This is an addendum to complaint XXXX. Prior to student loan payments resuming, I applied for the SAVE program to alter my repayment plan on XXXX. I was notified that my request was received but have not heard an update in months and no details have been provided by Nelnet or the Department of Education for the status of my request. Their website crashes multiple times whenever I try to post a payment that is directed to specific loans rather than their standard payment parameters, request information/contact from them or attempt to notify them that they incorrectly list my account as past due when I have only had 2 payments due and have made 3 full payments. Their phone customer service hours are limited making it nearly impossible to contact them via that channel and no effort has been made to return any my multiple emails. Several other users have reported similar issues and have also not received any contact from them or have been told the website just has a mind of its own. This is criminally negligent on their part and is negatively affecting my and many others financial wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX This account was due to fraud/Identity theft I contacted this creditor & they have failed to provide any contract, identification or signature. All they stated that they have my social security number. I advised the creditor that I did not open this account & it was open fraudulently. The creditor stated there was nothing could be done. I have filed a dispute twice with XXXX & they have failed to remove the item

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 2023-12-10 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:
XXXX XXXX XXXX This account was due to fraud/Identity theft I contacted this creditor & they have failed to provide any contract, identification or signature. All they stated that they have my social security number. I advised the creditor that I did not open this account & it was open fraudulently. The creditor stated there was nothing could be done. I have filed a dispute twice with XXXX & they have failed to remove the item

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 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: FL

Complaint narrative:
XXXX XXXX XXXX This account was due to fraud/Identity theft I contacted this creditor & they have failed to provide any contract, identification or signature. All they stated that they have my social security number. I advised the creditor that I did not open this account & it was open fraudulently. The creditor stated there was nothing could be done. I have filed a dispute twice with Experian & they have failed to remove the item

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 2023-12-10 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: NJ

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

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 2023-12-10 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: NJ

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-10 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have been experiencing identity theft for a few years. I didn't recognize the problem until XXXX XXXX XXXX  when I was told someone turned in my tax return before I did. I have been working on my credit since XXXX and paying student loans..I had a bunch of issues with studentgov and trying to get a few accounts off my credit report that had nothing to do with me. I paid XXXX XXXX  to help me get my stimulus money due to moving around a lot, not getting mail like I was suppose to, and spending money and time waiting and going back and forth due to account errors and not getting the services I paid for. I decided to just call XXXX XXXX XXXX and nothing was done to help the stress and awful service and MISTAKES MADE! They did nothing to help. I have missed out on money as well waiting because I couldn't do all my returns and/or what needed to be fixed with prior returns. I lost my husband in XXXX and the kids and I went through a lot so by XXXX, I was really behind on filing my returns. When the stimulus money started coming in for everyone else that is when I went to XXXX XXXX for the first time to help me with everything! It has been a horrible experience and business experience for me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There are multiple inquiries on my experian credit report that were not authorized to look into my credit history to extend credit or review my credit as my permission was not given, These fraudulent inquiries need to be deleted.

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 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently received my consumer report and I notice many errors, which is making my report inaccurate! First I would like to start with my current address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
I am requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX is not accurate and should be removed immediately. See attachment for proof that I sent in letter asking for help in updating my file to reflect true accuracy.

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 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
various accounts on my credit report have been showing inaccurate information. Thus causing very detrimental financial hardship by affecting my credit score and credibility. I have provided the bureau with account numbers and exact discrepancies within the account and have not received a probable resolution.

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 2023-12-10 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: VA

Complaint narrative:
Please see the attached XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, ( dba ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( dba ) in XXXX  as XXXX XXXX XXXX XXXX  dated XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Midland Credit Management sent me copies of alleged debt but no original signed contract. They sent me more than 5 copies of past due notices and no original signed contract and continued to report this account as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On XX/XX/23, I was shopping online at Amazon.com. When completing the purchase of an item, the webpage displayed a promotion in conjunction with the item I was purchasing to apply for an Amazon Store credit card with Synchrony Bank and receive a credit towards my purchase.

I then applied for the card through the website in order to receive the credit, and was approved at that time. I then proceeded to checkout for the item and the credit was not reflected. I called Amazon and asked them to correct the error, and they said that I would not get the credit because the item was not sold by Amazon. I am still not clear what this means as the item was purchased through Amazon and the promotion was tied directly to the specific item I was buying and at no point was there any indication that I would not be eligible for the credit.

In effect, I was deceived into applying for and receiving a credit card through the false advertising of a credit. I believe this experience illustrates a clear instance of Unfair, Deceptive and Abusive Acts and Practices by both Synchrony Bank and Amazon and as a consumer we seek compensatory relief for the financial hardship I have experienced. I would not have applied for this credit card or purchased this item had Synchrony Bank been transparent that I would not receive the credit that they were advertising.

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 2023-12-10 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I sent a letter asking XXXX, to reinvestigate my accounts. Here is my tracking # XXXX. It has been over thirty days without a reply. I'm trying to buy a house for my family and XXXX hasn't sent me anything. They also haven't modified the accounts to ensure everything is 100 % accurate, nor have they updated the current status of the disputed information, which is another violation. This is causing me stress. I feel helpless because the credit bureaus ae not doing their job. 

According to 15 USC 168, XXXX, XXXX, and XXXX have thirty days to investigate and send me results. 

I have all the evidence attached below

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: FinCo Services Inc DBA Current
State: CO

Complaint narrative:
I received a card from Current that I did not apply for. It is a Current Build card. My credit is frozen due to identity theft, but because this is a secured credit card they do not run a credit check, they just confirm applicant information is valid for anyone who inputs it. They do not offer any telephone support on weekends or provide contact info for their fraud department. Support is available only via email or their app, but to receive support via the app you have to create an account, which requires submitting private information like SSN, DOB, etc. When contacted via email, they demand the same private info be sent via email, which is an insecure form of communication. They do not offer alternatives to this and refuse to provide contact info for a fraud report. This is beyond irresponsible ; it is negligent and should be illegal. They should be required to provide a means of contact for fraud reports given that their actions 1 ) expose private information by confirming its veracity in issuing a card when info is submitted and 2 ) can negatively impact credit because they report information to credit bureaus when issues arise. They should also be prohibited from requesting PII or other similar information via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 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: PA

Complaint narrative:
I currently have some accounts and inquiries on my credit report I have listed supporting documents below.

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 2023-12-10 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: PA

Complaint narrative:
I currently have some accounts and inquiries on my credit report I have listed supporting documents below.

Company response to consumer: Closed with explanation