vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-06 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: TX

Complaint narrative:
I just checked and reviewed again my XXXX, Experian and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion is reporting negative information to my consumer report that is inaccurate and unverified. I need them to provide the method of verification used prior to reporting as well as a verified statement of their permissible purpose to report the accounts disputed, by the individual who is responsible for reporting 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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 2024-05-06 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: TN

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

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 2024-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRST NATIONAL BANK OF OMAHA
State: KS

Complaint narrative:
I had a fraudulent charge on my XXXX XXXX for {$66.00}. FNBO agreed to the fraud and closed my account and sent me a new card. While resolving the claim and transferring cards they placed an additional two charges on the account with only one credit. Now there are 3 charges of {$66.00} with a credit of only {$66.00}. I have called multiple times with no resolution. I was told that customers can not see accurate information online so I had to wait for a statement but was still responsible to pay yet they agreed it was fraud? They said I would then see the credit and be issued a credit AFTER the statement and AFTER my payment. Then the agent said there would be a credit of {$280.00} which did not correlate the {$66.00}. 

When I asked for a manager he was dismissive but agreed. I was then disconnected and not called back by a manager. The charges were between XX/XX/XXXX and XXXX. My calls were XX/XX/XXXX and XX/XX/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 2024-05-06 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: UT

Complaint narrative:
I was Trying to get a XXXX loan when I realized I had damage on my credit report which ended up causing me major issues. Also According to 15 U.S.C. 1681 there should not be any damages on my report as it is a defamation of my character. And it is impeding my progress in life and putting major undue stress and hindering my pursuit of life, liberty and happiness.

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. XXXX XXXX XXXX XXXX, has violated my rights. XXXX XXXX XXXX XXXX XXXX has violated my rights15 U.S.C 1681 section XXXX A. States I have the right to privacy. 15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: MN

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: NY

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-05-06 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: GA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX - XXXX XXXX - XXXX incorrect address - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX incorrect address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
I saw this on my report after making an account to see my credit report. I filed bankruptcy XXXX yrs ago. Just recently got a credit card and saw I have something from a company called XXXX. I should not have any debt I am trying to start over after my bankruptcy I have XXXX XXXX XXXX  card only. Nothing else should be active on my credit report I should have no debt other then XXXX XXXX limit credit card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-06 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: TX

Complaint narrative:
When I contacted Discover card regarding my balance and if there was anything they could do to help me out, they said they could settle the debt for a percentage of what I owed. When I asked if the balance would be zero, she stated yes. NEVER once did she say there would be an impact on my credit. I paid a very large sum of money and not ONCE did she say that they would discharge this and show it as a negative on my credit report. Had i known that, I would not of settled. When I called in to inquire about the issue, XXXX, the XXXX manager said " We do not give credit advice, that's why we say you should consult your tax advisor ''. My rebuttal to that is, you're not giving tax advice when you state the facts. You should state the fact that you WILL report this to the credit agency and that you WILL discharge the debt. This is a deceptive business practice and the company should be held accountable for their actions. I requested the audio recording for the phone call because I'm pretty sure i asked about credit implications, but I can't 100 % remember, but in NO WAY was I led to believe this impact my credit so DRASTICALLY! If there are any attorney reading this please get in touch with me. This is not right, it's misleading and no one should be mislead the way that Discover Card mislead me!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Inaccurate accounting sent XXXX money order, was not applied to my account.

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 2024-05-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I attended XXXX XXXX  from XXXX and took out private student loans with XXXX XXXX , and those loans were transferred to Navient in late 2014. I made payments on these loans from the time of my graduation until they were paid off in XXXX. XXXX has been acknowledged by the Department of Education as having engaged in misconduct in recruiting prospective students by claiming higher than actual job placement rates for graduates. I was one of the students that was led to apply in part due to these job placement rates, and I graduated from XXXX in XXXX. I experienced first-hand the lack of jobs available after my graduation and felt taken advantage of by the University. 

I am a class member of the XXXX vs. XXXX lawsuit where the Department of Education has settled with the class offering federal loan forgiveness and refunds of payments made. That process is ongoing. 

I have recently been made aware of a pilot program for school misconduct discharge for private loans by Navient. This program would not only discharge any private loan balance from a school that has engaged in misconduct, but also refund any payments made to Navient on these loans. I called Navient to inquire about this program, and was told that since my loans are at a zero balance, this was not something I was eligible for. 

Given that I attended a school that has been acknowledged by the government to have engaged in misconduct, I should not be penalized or excluded from this program due to having done the right thing and paid off my loans. I should still be eligible for an application, and I believe, a full refund of payments made on these loans. I humbly request that Navient be compelled to provide me with an application for this program. Thank you. 

The attachments to this complaint include the XXXX  XXXX XXXX settlement agreement where XXXX XXXX is listed in Exhibit C as having engaged in misconduct worthy of having my federal loans forgiven and refunded, as well as an email I received from the Department of Education documenting my status as a certified class member entitled for relief as defined by the settlement agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
Called today to see the breakdown of amount owed. Received the amount it has nsf fees I asked for proof of what those fees are for did not get it. They showed my deposit was XXXX I gave them a copy of my lease showing I paid XXXX deposit they said they need more proof I dont even have that bank any longer. They refuse to change the amounts owed saying I have no proof but they cant give me proof of the extra XXXX they are charging me. I moved out once the lease was up the apartment complex kept my deposit. But stating I still owe XXXX which has been on my credit for 5 years. I cant rent no where because of this. XXXX XXXX  is saying I have to pay that balance no negotiation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
I moved into my new place which was a brand new start for me. I have previously bought furniture from the before by fulfilling my lease. I received the coffee table and end tables ( FROM XXXX XXXX ) and the coffee table has rusk on the chrome base and the end table is warped. upon receipt i advise that the coffee table was not right in which i was advised to attempt to wipe off and to give them a call if not right. He refused to take it bac. I then attempted to call Acima and was advised that someone will get in contact me from the resolution team. This was XXXX,, the same day.. i received a call on that saturday on XXXX. The rep was very rude, would not allow my to speak and told me I had no choice and that they can't help me. I felt so embarrassed and belittled behind my purchased. 

I called on Monday XXXX, and after being hung up on, transferred and spending several hours on the phone hold,,, i spoke with XXXX who finally gave me some information. However, after the experience, I had i don't trust this company. Additionally, the website states XXXX Free Returns which is a false advertising... 

No One, I mean No one would give me the address to corporate but only an email address which is XXXX. I have sent all requested pictures and emails to XXXX as requested. 

All i want is to be lt out if the lease, pick up the furniture, and continue to start my new life, I had good intentions with this company and have been treated unfairly. I want them to take accountability on how they talk and treat people and to uphold what is on the website. Also, i want the calls pulled for training as i was told flat out NO..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: Aldous & Associates, PLLC
State: TX

Complaint narrative:
Dear CFPB, I am writing to dispute the information on my credit report as provided under 15 U.S. Code 1681e. I never gave written consent for Alduous and Associates to furnish my information or authorize the disclosure of my information. 

I kindly request that you investigate this matter and provide me with a detailed statement of how this information was obtained without my consent. If proof can't be provided I demand this account be REMOVED/ DELETED from my credit profile. I expect a response and resolution to this issue. Thank you! I have included a screenshot inside this complaint on ALDOUS AND ASSOCIATES XX/XX/2022. Please see screenshot attached : Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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:
Dear CFPB, I am writing to dispute the information on my credit report as provided under 15 U.S. Code 1681e. I never gave written consent for XXXX XXXX XXXX to furnish my information or authorize the disclosure of my information. 

I kindly request that you investigate this matter and provide me with a detailed statement of how this information was obtained without my consent. If proof can't be provided I demand this account be REMOVED/ DELETED from my credit profile. I expect a response and resolution to this issue. Thank you! I have included a screenshot inside this complaint on XXXX XXXX XXXX XXXX XXXX. Please see screenshot attached : Sincerely, 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 non-monetary relief