vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-11 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: NY

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 Account Number : XXXX Account Name : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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: NY

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 Account Number : XXXX Account Name : 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 2024-03-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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: IL

Complaint narrative:
Subject : Urgent Complaint Regarding Fraudulent XXXX Account Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to bring to your attention a persistent issue regarding a fraudulent XXXX account that has plagued my credit profile for some time now. Despite numerous attempts to rectify the situation, the account remains active, causing significant distress and financial harm. 

I have reported this XXXX account multiple times as fraudulent, yet to no avail. Explaining that my identity was stolen in XXXX without my knowledge, the perpetrator even files taxes for XXXX and XXXX under my name. I had to go to IRS to verify my identity for this as well. Regrettably, the account continues to linger on my credit profile, adversely affecting my financial standing. What is even more concerning is the fact that XXXX has associated a fraudulent address with this account, claiming it to be mine. 

The address in question, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, has been falsely linked to me. I want to clarify that this address has never been, nor is it currently, associated with me in any capacity. Upon investigation, it has come to my attention that this address corresponds to a corporate building purportedly affiliated to XXXX. 

During their investigation, XXXX provided erroneous information to Experian, claiming that the aforementioned address is mine. This misinformation not only exacerbates the situation but also serves to highlight the severity of identity fraud associated with this account. 

I urge you to intervene promptly and take necessary actions to address this matter. It is imperative that the fraudulent XXXX account be removed from my credit profile immediately, and appropriate measures be taken to rectify the damage caused. Furthermore, I request a thorough investigation into XXXXXXXX XXXX practices regarding identity verification and account handling to prevent similar incidents from occurring in the future. 

I appreciate your attention to this matter and look forward to a swift resolution. 

Sincerely, 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 2024-03-11 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: CA

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 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 2024-03-11 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: MA

Complaint narrative:
This cellular phone number appears in my file from Experian account online I don't know this number at all so I'm trying to investigate it n please report it, I file the dispute yesterday about ( XXXX ) XXXX I never gave anyone permission or authorization at all so I'm trying to figure out who's number is this report it fraud in the first degree understood

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 2024-03-11 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: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
Date Reported to XXXX XXXX XXXX : XX/XX/2024 Account Number : XXXX Action Taken : Opt Out Letter sent on XX/XX/2024 Balance : {$3100.00} The Fair Credit Reporting Act ( FCRA ) emphasizes the importance of consumer reporting agencies handling my information fairly, impartially, and with respect for my privacy ( 15 U.S.C. 1681 ). As a consumer, I have the right to control my information, as outlined in the Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801 ). This act mandates that financial institutions, which may include XXXX XXXX under FCRA definitions ( 15 U.S.C. 1681a ( e ) ( 2 ) ), must protect my non-public personal information and obtain my written consent before sharing it with non-affiliated third parties ( 15 U.S.C. 6802 ( b ) ). 

Since XXXX XXXX never obtained my written consent to furnish my information, and I have revoked any prior consent ( verbal, non-verbal, written, implied ), their actions violate the FCRA and GLBA. I have the right to opt-out of information sharing at any time under GLBA regulations ( 12 CFR 1016.7 ). Their failure to inform me of this right further strengthens my argument. 

Furthermore, because the reported account XXXX is an adverse item and XXXX XXXX has continued reporting it without my permission, it is inaccurate ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ). The FCRA requires consumer reporting agencies to maintain procedures to avoid such violations and limit report sharing to permissible purposes ( 15 U.S.C. 1681e ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Mercari, Inc.
State: NY

Complaint narrative:
XXXX and Mercari refused to give me my {$220.00} back despite these AirPods that I purchased through them being fake Mercari as well refused to give me the money back despite me proving they were fake and submitting it and then they went ahead and paid the seller for these despite me adamantly saying i wanted to return them. never sent me a return label despite claiming thats the reasom they closed my account. paypal refused to do anything as well. prohibited counterfeit items that are supposed to be what they refuse to sell and terminate accounts doing so but clearly didnt. since i called them out on this they then closed my account because I threaten to dispute this transaction because they sold me a prohibited fake item that is a illegal to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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 2024-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
There is an inquiry on my credit report for AMEX ( American Express credit card ), which I didnt apply for dated XX/XX/2024.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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: LA

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 XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account XXXX : XXXX Account XXXX Account Name : 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 non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The account was not mine and opened fraudulently. I even paid it when they refused to remove it and the still havent removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: GA

Complaint narrative:
My loan service is Nelnet and I try to log into my account but it would not let me log in. also when I go to that log in site, it show me a different service call : " XXXX XXXX  '' when i try to set up an account with them, it ask to put in my information. It tell me that my information is wrong. I also try to call custom service for Nelnet it also tell me that my information in wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
It is a claim for my PayPal account : XXXX I called the seller numerous times the week before the alleged delivery date because XXXX had never attempted to deliver my package and each time attributed the unsuccessful delivery to a different absurd reason. I took off of work that week to be physically present in my apartment to receive the package as well. 

I filed my claim on XX/XX/year> and the seller responded a week after. 
However, it took whoever from PayPal that was assigned to my case more than 1 month to investigate this case. Meanwhile, I called PayPal multiple times for updates. During one of the calls I had, the Investigation/Resolution associate told me that the seller responded to them with the same tracking number and info as I provided in my XXXX-page pleading and nothing more. Further, the associate informed me that they are waiting longer because PayPal wants to see if the package moves after 30 days had passed. ( Because the tracking showed that the packaged was still at the XXXX XXXX ). 

Now, whoever from PayPal was assigned to my case closed the case with a reason that a signature was provided. In my pleading, I made it very clear that the package required my signature ( the receiver ) and I never ever signed anything that week from XXXX. I also stated that if a false signature was given by someone else, then it is FORGERY- a federal crime. Moreover, the alleged delivery location was not even the same as mine. The PayPal employee clearly couldn't even bother to read my detailed pleadings which detailed all the material facts and all the discrepancies with XXXX. This is absolutely absurd! If PayPal wants to facilitate XXXX 's foul play, then PayPal has evidently implicated itself into this case as an accomplice. I can not believe that PayPal 's Consumer Protection was nothing but a sham to elicit consumers like me to consistently use their service. Once there is a problem, they could not even do their due diligence to follow through their promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I submitted a complaint, escalated this to the Ombudsman Group, and contacted both Nelnet ( my servicer ) and FSA. Last time I called, I was hung up on by FSA. I requested information about the status of my teacher loan forgiveness application. I submitted my application and it was approved by FSA on XX/XX/XXXX. I call Nelnet for a status update and they say to call FSA. I call FSA and they say to call Nelnet. I need my {$17000.00} forgiven because I paid everything up until that number, and now interests keep accruing and I have to keep paying it off. My payments are still due but I feel that my loans should already be forgiven. It's been months and much longer than the date they said they should address it by. They refuse to respond to my complaint and even hang up on me when I try to call. 

Then, I finally received a payment on my account on XX/XX/XXXX for the XXXX amount of {$17000.00}, however it was applied XXXX loans that were already paid off! As a result, my balance on the account is exactly the same. I called Nelnet and they stated that they put the loans on, " refund, '' status, but with how they handled everything so far, I do not imagine that anything will be resolved without third party support from CFPB. I have called twice since then and they have given me different answers each time about what will happen. 

1. They told me once that Nelnet will refund directly back into my account and I will receive retroactive refund for everything since the date of XXXX  for current payments made. 

2. They told me another time that Nelnet will NOT refund directly back into my account and I will get a check when it processes. 

Nelnet is stalling the process, causing confusion with differing answers, and poorly managing this process. They stated that the refund is not with them, but with FSA, but FSA stated it is with Nelnet. Which is it? He said, she said situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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: GA

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 


Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : 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 2024-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Merchants Acceptance Corp
State: MO

Complaint narrative:
I recieved a credit alert and realized someone ran my credit. I called the company that ran a credit check. I called roughly XXXX to ask why a credit check was done. The individual on the phone said they are trying to sue me from an old debt regarding a vaccum cleaner. I told them that they must be mistaken because I have no such debt. That is when the man on the phone told me the company did this exact thing before back in XXXX to which I also called asking why they ran my credit!? He told me that I said the same thing, the debt wasn't mine and I don't know where this is coming from. He then tells me that they plan on taking legal action sueing me for a debt that I dont even know when it started but that is AT LEAST 8 years old.So now I am extra confused for the fact that mutiple times I have told them I did not have this debt, that it is fraud AND this is more than 8 years old? They have my contact information and mailing address but I have never one recieved anything from this company. I have only ever reached out them regarding them running credit checks and fruad.

Company response to consumer: Closed with explanation