vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-23 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: GA

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and did not give Equifax written permission to furnish these accounts. 

Account : XXXX XXXX XXXX XXXX  XXXX Account : XXXX XXXX XXXX  XXXX XXXX Account : XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Company was suppose to deleted they report off my credit report and never was removed, I sent in dispute letter and asking them to remove from credit report and after I settled the payment in the company and had proof of receipt they still garnished my paycheck after full payment was received, that caused me pain and suffering and a total hit to my credit report. So they was taking money out of my paycheck after they got paid they remaining balance. I sent dispute letter to equifax over a 60 days ago and never received of status of this account that was reporting inaccurately and wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Debit not owed by me : LVNV FUNDING LLC XXXX XXXX Reported Date XX/XX/XXXX {$1700.00} Debit not owed by me : LVNV FUNDING LLC XXXX XXXX Reported Date XX/XX/XXXX {$970.00} Debit not owed by me : XX/XX/XXXXXXXX Missed payment Other Collection Agencies Reported Date XX/XX/XXXX {$860.00} Debit not owed by me : XX/XX/XXXX Missed payment Other Collection Agencies Reported Date XX/XX/XXXX {$1600.00} Debit not owed by me : XXXX Missed payment Other Collection Agencies Reported Date XX/XX/XXXX {$1600.00} Debit not owed by me turn to charges-off account : XX/XX/XXXX| Reported on XX/XX/XXXX Balance {$0.00} Limit {$1200.00} I woke up one morning check my history to see what stop me from prevailing to a higher XXXX XXXX I see I have Collections Of company I had no idea about someone been using my info Need help with these debt it wouldnt look great for me buying my Future home in the future

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc.
State: AL

Complaint narrative:
Self Inc gave me some kind of account me thinking and truly believing it was a personal loan of XXXX dollars only to be a account that you pay off to maybe be able to get a loan to so call rebuild credit. I didnt need credit rebuilt and now its on my credit report as a personal loan affecting my getting any financing for anything. Please help get this scam fraudulent company out of the market of good hard working people like myself trying to make a living and better myself

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Student Assist Plus LLC
State: ID

Complaint narrative:
Around XX/XX/year>, I had received physical mail from Student Assist Plus about consolidating my loans into an IDR, income-driven repayment plan, with forgiveness after 20 years of payments. They did get me enrolled in this program over 8 years ago, and did submit my paperwork as required, but they lied about saying I absolutely had to have their paper submission service in order to get this XXXX loan, requiring a $ XXXX payment, which I have paid for almost 9 years. The deception was that my loan would be ended if I did not do this monthly charge during the life of the loan, I mean they were adamant on this part. So, I just discovered since my XXXX loan was transferred over to XXXX, which really are part of the federal loan repayment programs, a small notice got me thinking something wasn't right and that I can submit my papers for free and it will not effect my XXXX plan if I stop this service. So about {$3200.00} over XXXX yrs wasted, I have blocked them from my account and told them I was reporting them to CFPB and to the Federal Trade Commission XXXX which I did. I requested my money, and to stop me from their program and no response at this point yet. 

Another thing is when I started with them, they set me up with a lawyer to 'help ' me with my private loan, which I did. I figured out after 4 years or so that it was a crooked lawyer, and I was sending same payments for loan to her. We have a lawyer in the family who helped with that case, and she was disbarred by CA as a lawyer and after another few years, I finally received back over {$5000.00} of the money I wasted there, and multiple borrowers wete on that lawsuit case. I had a lot of trouble however because of that situation with a lot of distress and difficulty. We just realized it was Student Access Plus that set me up with that as well. I was under the impression it was through the federal government and did not realize I was being deceived and robbed. Please investigate and bring this group down. They are very sneaky and manipulative, and I am done with the grief and financial trouble they have given me. I hope others can be warned against them and they can be stopped. Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Unable to access equifax credit score. They keep saying to send in paperwork to provide date of birth confirmation. I have already send this in. It was send priority mail 6 weeks ago. And every contact I have with this company they keep saying to send in date of birth paperwork like my driver license, mail, passport SS car, I have DONE THIS I am still unable to access my credit report. My file is broken! the miss date of birth is a corrupted or broken DATA problem, not a need to send in paperwork problem. I have sent it, I have called 4 times now. STOP telling me to send in paperwork, I HAVE!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I communicated with a PennyMac receptionist on XX/XX/year>. I was offered to do a loan modification, repay the forbearance balance or defer the balance onto the back end of the loan. I made the decision and communicated to the staff over the phone to defer the balance onto the back end of the loan. I received a call on XX/XX/year> and was told the decision was pending of a denial and more details to come. I am eligible to defer the loan for 12 months based on the fact from Fannie Mae guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
My Chase credit card was closed in XXXX  due to economy. not because of missed payments. It was on my chase account online for many years. XXXX year disappeared from my bank account online. I had likely missed some payments when removed thinking it was paid off. No way to know. 

I received information in mail about account. I called and set up automatic payments because the account could not longer be accessed online. 

I have called to try to increase minimum payment to pay off sooner. No one from customer service could help me increase monthly payment. In addition i have now called to cancel automatic payments and i am transfered XXXX times because they cant find my account or verify my information. When it was finally verified the closed account department couldnt stop auto pay and transferred me to customer service again. The customer service started getting nasty with me because i keep calling and no one can help. 

They are stealing interest from me by doing this. I can not pay extra. I can not cancel my autopay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC
State: NE

Complaint narrative:
I requested a validation letter regarding this debt stating I owe. I sent a certified letter requesting this information, to be sure it was delivery I tracked the letter. While tracking it with the United States XXXX XXXX tracking number I was provided with receipt I was advised my letter was undeliverable. The status was that no business operated at that address. It has been over 30 days and this is a violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 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: OH

Complaint narrative:
I noticed XXXX XXXX XXXX XXXX. On my credit report. I have never had a car loan, nor done business with this company before. I also noticed XXXX XXXX XXXX. On my report and have never had any medical services with 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 2024-06-23 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: AZ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : DEPT OF EDUCATION/XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2023 XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this

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 2024-06-23 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:
TransUnion ( who is notorious for interfering with accurate credit scores since they enjoy cutting scores over ridiculous changes ) lowered my credit score by 3 points because one of my 31 accounts had an increase balance of {$150.00}. I bought a hose for the garden. I'm using less than 1 % of my available credit. This is a complete misuse of power, it's completely unfair and I want this to stop! They don't add points when my accounts are paid in full, but take away points whenever I have any balance and this should not be allowed.

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 2024-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I purchased a car at Nissan XXXX XXXX ( CA ). They requested I used Nissan Finance to finance approximate XXXX XXXX of the value of the auto. I agreed since it would lower my price. Utlimately we reached a deal and I signed all of the paper work. 

In CA dealers are permitted to cancel the installment sales agreement if they provide notice within 10 days. They failed to do that and didn't provide notice for at least 11 or 12 days. 

I asked that they withdraw their cancellation notice and have not heard anything. 

I believe this practice of " cancellation of the agreement '' is widespread among auto dealers and is a tactic to get additional money from their clients in violation of the law. 

We have previously filed a complaint against the Nissan Finance company to which they responded " we have nothing to do with that stuff '' which I don't believe. I now believe that NMAC ( Nissan Finance ) and the dealer network collude to support these inequitable and illegal practices " below the radar '' as a profit improvement strategy. 

They are preying on the most vulnerable part of the population and hoping to scare people into submission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 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: AZ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : DEPT OF EDUCATION/XXXX  Account XXXX Account Name : DIVERSIFIED ADJUSTMENT Account XXXX Account Name : 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 Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 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: AZ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : DEPT OF EDUCATION/XXXX  Account XXXX Account Name 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 XXXX XXXX XXXX XXXXXX/XX/year> XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this

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 2024-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I believe I should be in the lawsuit with Wells Fargo but I never received a letter that I recall of. 
I know there was times I got hit with a overdraft fee when the money was there. Sometimes the monet would come out and then go back in. This st times lead me to believe I had e tra money. In turn this lead to a non payment resulting in a bounce fee.

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 2024-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am currently in the market to buy a home and I was reviewing my credit report and found some errors on XXXX XXXX XXXX You are reporting information about me which is inaccurate. All three credit bureaus are reporting different HIGH VALANCE, DATE OF LAST ACTIVITY, DATE REPORTED, DATE OPENED, ACCOUNT RATING, LAST PAYMENT, TWO YEAR PAYMENT. All 3 credit bureaus are reporting inaccurate information in this account. As you are aware there can only be one high balance and same date on this account. This account has not been properly verified. PLEASE DELETE the following account immediately for failing to comply with FCRA. XXXX XXXX XXXX THANK YOU FOR YOU TIME This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove this account XXXX XXXX XXXX immediately thanks.

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 2024-06-23 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: GA

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and did not give XXXX written permission to furnish these accounts. 

Account : XXXX XXXX XXXXXX/XX/XXXX# XXXX Account : XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX Account : XXXX XXXX XX/XX/XXXXXXXX Account :XX/XX/XXXXXX/XX/XXXXXXXX # 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 non-monetary relief
Consumer complaint received 2024-06-23 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: OH

Complaint narrative:
I noticed XXXX XXXX XXXX XXXX. On my credit report. I have never had a car loan, nor done business with this company before. I also noticed XXXX XXXX XXXX. On my report and have never had any medical services with 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 2024-06-23 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:
I noticed XXXX XXXX XXXX XXXX. On my credit report. I have never had a car loan, nor done business with this company before. I also noticed Ability Recovery Ser. On my report and have never had any medical services with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 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: OH

Complaint narrative:
I recently reviewed a copy of my credit report and noticed XXXX XXXX XXXX. I have never heard of this company nor did any utility business with its original creditor.

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