vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-10 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: AZ

Complaint narrative:
Remove all ID THEFT FRAUD inquires AND accounts related to these accounts per FCRA : THEFT INQUIRES : 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 ALL ADDRESS DOCUMENTS 2 forms of ID, bank statement, police report, XXXX XXXX XXXXXXXX REPORT and validation attached. this is now escalated to courts for fines related to multiple violations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: TX

Complaint narrative:
I have applied for SAVE and I qualified for SAVE back in XXXX of last year ( XXXX ). Nelnet rejected my application to be on SAVE. I applied AGAIN and specifically requested to be on SAVE and still they refused to put me on SAVE. So I applied a third time and I filed a complaint with the Department of education. They finally put me on SAVE at XXXX $ payments. However they refuse to take me off forbearance and back in repayment and all of my loans say IDR PROC admin and payments are not due until XX/XX/XXXX. I have been occurring interest this ENTIRE time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-04-10 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: 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 XXXX : XXXX Account XXXX has violated my rights. Or a 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 2024-04-10 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that I in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates ( XX/XX/24 ). I'm not requesting you investigate and provide verifiable proof with records showing that I had a late payment. If this information can not be verified I demand these payments be updated to " paid '' status on time immediately. Thank you for your understanding and prompt action.

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 2024-04-10 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: NY

Complaint narrative:
I was looking at my credit report and noticed that there is a hard inquiry in there that is not mine.

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 2024-04-10 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: 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. 

Account name : XXXX XXXX, Account number : XXXX ; Account name : XXXX XXXX  Account number : XXXX ; Account name : XXXX XXXX XXXX XXXX XXXX, Account number : XXXX XXXX ; Account name : XXXX XXXX XXXX XXXX XXXX Account number : XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: NJ

Complaint narrative:
I recently viewed my credit report and Ive noticed that I have a fraudulent account reporting on my credit report Im asking that this inaccurate account please 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 2024-04-10 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: TX

Complaint narrative:
This company XXXX XXXX is reporting FALSE AND INACCURATE information on my credit report. As you can see the agent said there is no late payment, yet they are reporting to both TransUnion and XXXX the account is late causing problems with my credit score. I want this 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 non-monetary relief
Consumer complaint received 2024-04-10 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: TX

Complaint narrative:
This company XXXX XXXX is reporting FALSE AND INACCURATE information on my credit report. As you can see the agent said there is no late payment, yet they are reporting to both XXXX and Equifax the account is late causing problems with my credit score. I want this deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: EQUIFAX, 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 XXXX XXXX  Account XXXX Account Name : DEPTEDXXXX Account XXXX has violated my rights. Or a 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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: NY

Complaint narrative:
I wrote a CFPB complaint in XXXX of XXXX requesting that Security Credit Services provide a validation of debt and that they have proof of claim to this alleged debt. They responded with a generic letter and a copy of the lease agreement. XX/XX/XXXX I mailed out a letter to them requesting everything in detail, because maybe they didn't understand what I was requested. I wrote a 5-page letter, specifically asking for detailed items to show proof I owed them a debt. Included in that letter was also an affidavit, I requested an affidavit in return signed, but did not receive anything but another generic letter stating that they " have the right person in their records ''. Again attaching a copy of a lease agreement, since when did a copy of a lease agreement constitute a proper validation of any debt? I also have been contacted by XXXX other companies, do they also have a valid claim because they have a " copy '' of a lease agreement? This is an ongoing thing where Security Credit Services doesn't acknowledge anything in my correspondence and just responds with a simple letter hoping to collect money. Last year in XXXX of XXXX XXXX XXXX was fined for their numerous violations of consumer rights, deceptive collection practices, and not providing full disclosure. Which also questions the amount owed in any alleged debt. This was my biggest issue with XXXX because they never could provide me with an explanation of the amount owed, and I believe it was exaggerated. I also believe Security Credit Services and XXXX XXXX are working together, and with the many bad reviews on XXXX about Security Credit Services apparently, I am not the only one with that sentiment. Not only did Security Credit Services ignore what I requested, they also ignored The XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Bankruptcy Court. The court has notified everyone of my filing, and Security Credit Services has chosen to ignore them and continue reporting inaccurate information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: IL

Complaint narrative:
I am writing to complain to EXPERIAN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report numbers related with this complaint XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. XXXX that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

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 2024-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
On XX/XX/2024, consumer received an email communication from XXXX XXXX, employed with CAINE & WEINER. This communication contained harassing, threatening and extorting language and requests. Shortly after requesting the documentary evidence, I received the same extorting communication in the mail, this time from XXXX XXXX, employed with CAINE & WEINER. 

Without providing any information, with the exception of " This account qualifies for credit report data furnishing by Caine & Weiner. We furnish information to XXXX, XXXX and XXXX. This is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose. Please contact us at ( XXXX ) XXXX to discuss resolution options. For your convenience, we accept payment via the Internet. Visit our online payment option at www.connectcw.com. To speak with us directly, contact us at XXXX. '' This communication has caused me emotional and mental stress, it has ruined my reputation with the consumer reporting agencies, as well as any potential creditors. This has also ruined my reputation at my job. I responded back to CAINE & WEINER demanding they provide me with the requested documentation and I do not appreciate being extorted to pay for an alleged debt. It appears the first communication between CAINE & WEINER and I was via my consumer report. 

CAINE & WEINER is willfully and negligently violating my rights under the Fair Debt Collection Practices Act as well as the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: AZ

Complaint narrative:
I have autopayments set up with my loan service provider, Nelnet. On XX/XX/XXXX it came to my attention that my XX/XX/XXXX automatic payment was not properly handled, causing me to be {$13.00} short on XX/XX/XXXX. I paid the additional amount online and also called Nelnet customer service. They informed me that the automatic payment had only been applied to 2 of my 3 loans. They also assured me that the problem was fixed and there would be no late fees or impact to my credit score. 
On XX/XX/XXXX, I logged in to check that my XX/XX/XXXX autopayment had been properly applied. It had not been processed and showed that I now owed {$73.00}. I called Nelnet, again, and repeated the process from the week prior. They submitted a ticket to reallocate the payment. They say there will be no late fees or credit impact before XX/XX/2024. 
I have no control over where the automatic payments are allocated. This company is a complete sham taking advantage of taxpayers and student loan repayers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
There was a dispute filed XX/XX/XXXX regarding inaccurate and unverified furnishings on my consumer report. There were 9 inaccuracies reporting and damaging my financial reputation and credibility. After investigating Equifax verified that the furnished information was inaccurate and removed all 9 disputed inaccuracies. The removal and verification of the inaccuracies proves violations of The Fair Credit Reporting Act, Consumer Financial Protection Act of 2010, Fair Trade Commission Act, The Privacy Act of 1974, The Fair and Accurate Credit Transaction Act as well as a direct violation of 12 CFR 1022, 15 USC 1681 ( a ) ( b ), 15 USC 1681 c ( h ) ( 1 ) INACCURATE AND FALSE REPORTS. There was no validation and or verification provided by me to Equifax before these inaccurate reports were furnished Violating 15 USC 1681 ( b 2 ) ( i ), 15 USC d ( B ) nor was there an opportunity to opt out of the furnishings pursuant 17 CFR 248.124

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
It has come to my attention that XXXX XXXX is reporting a credit card account titled XXXX  XXXX  XXXX to my individual consumer credit reports with XXXX, XXXX, and TRANSUNION . Per 15 USC 1681a ( c ) consumer means an individual. I demanded XXXX XXXX remove this reporting from my consumer credit file on XXXX XX/XX/2024 and report immediately, as the purpose of this business credit card is for uses that are relating to business purposes ONLY, and not for individual or consumer uses. Furthermore, the entity under which this business card was issued was a Limited Liability Company named XXXX, XXXX with an IRS issued EIN. 

I called XXXX XXXX 's offices and was denied removal of this reporting to my individual consumer reports. I was told It is XXXX XXXX policy to report a business credit card to both an account holders consumer credit report AND business credit report. I care not for the policies of XXXX XXXX as no persons policy overrides federal law. 

If XXXX  XXXX continues to violate my privacy or my individual consumer rights, it will be construed as identity theft, as I did not contract or authorize them to disclose any of my nonpublic personal information per 15 USC 6802, nor did i receive any consideration ( goods, services, or money ) from the transaction of them furnishing any of my informational data to any nonaffiliated third party, whether it be a consumer reporting agency or otherwise.

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 2024-04-10 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
It has come to my attention that XXXX XXXX is reporting a credit card account titled XXXX  XXXX  XXXX to my individual consumer credit reports with EXPERIAN, XXXX, and XXXX XXXX Per 15 USC 1681a ( c ) consumer means an individual. I demanded XXXX XXXX remove this reporting from my consumer credit file on XXXX XX/XX/2024 and report immediately, as the purpose of this business credit card is for uses that are relating to business purposes ONLY, and not for individual or consumer uses. Furthermore, the entity under which this business card was issued was a Limited Liability Company named XXXX, XXXX with an IRS issued EIN. 

I called XXXX XXXX 's offices and was denied removal of this reporting to my individual consumer reports. I was told It is XXXX XXXX policy to report a business credit card to both an account holders consumer credit report AND business credit report. I care not for the policies of XXXX XXXX as no persons policy overrides federal law. 

If XXXX  XXXX continues to violate my privacy or my individual consumer rights, it will be construed as identity theft, as I did not contract or authorize them to disclose any of my nonpublic personal information per 15 USC 6802, nor did i receive any consideration ( goods, services, or money ) from the transaction of them furnishing any of my informational data to any nonaffiliated third party, whether it be a consumer reporting agency or otherwise.

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 2024-04-10 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: CA

Complaint narrative:
I have been trying to purchase a home since XXXX. On XX/XX/XXXX I applied for a mortgage with one company and a second one on XX/XX/XXXX in order to find a good rate. Unfortunately I was unable to proceed with purchasing a home at that time. 

In XX/XX/XXXX I again tried to find a mortgage and purchase a home. I applied with two mortgage companies, and was able to secure a good deal and buy a house. 

This issue is the hard inquiries for mortgage applications in XX/XX/XXXX and XX/XX/XXXX are listed separately with XXXX and Equifax. I suspect this is due to improper coding/labeling as some of the inquires are finance and some are miscellaneous. Neither company provides information or an option to correct this. The hard inquiries are valid, but the labeling is not. I believe I should have 2 sets, not the 5 they are reporting for XX/XX/XXXX and XX/XX/XXXX. I tried calling them as well but the automated answering service also did not provide more information.

Company response to consumer: Closed with explanation