vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
The company was double paid when I requested a refund of the payment they sent me 2 payments backs I canceled then they went into my account and tried to take the money back, they were successful, but the payment was not authorized so I disputed the charge with my bank because the charge was unauthorized an the account had been closed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
My credit score was XXXX last month now its XXXX, don't understand why it went down. I was told don't close out your account, or it will automatically fall off. I been working hard to keep my credit score up. Rooms to Go and TJ Max has not favored me, because I've closed that account out, Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 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: MA

Complaint narrative:
On XX/XX/XXXX, I noticed that the personal information of someone else was listed on my Equifax credit report. I also noticed that a XXXX XXXX account was also listed on my credit report, which was not mine. I contacted XXXX XXXX  and learned that " XXXX XXXX '' of XXXX XXXX opened an account with XXXX XXXX using his own personal information but listed my social security number on the application. Over the course of the credit account, XXXX was overdue on several payments. It is clear that XXXX XXXX mistakenly used my social security number when filling out the application. 

This is a disgrace and is currently affecting my opportunity to purchase a house, which we are closing on within the month. 

I previously submitted a claim on XX/XX/XXXX with the CFPB and Equifax to have the information removed, which it was. I am not sure why his personal information and credit history was re-attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In XXXX of 2023 my credit was pulled by XXXX XXXX XXXX. It was not authorized by me. I have a mortgage and I believe my information has been stolen and they maybe trying to steal my house. I already have a mortgage and haven't applied for a new one nor a refinance through any mortgage company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 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:
Information belongs to my XXXX brother and is falsely showing in my report hindering me from buying a house

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 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: LA

Complaint narrative:
Information belongs to my XXXX brother and is falsely showing in my report hindering me from buying a house

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX, I noticed that the personal information of someone else was listed on my XXXX credit report. I also noticed that a Comenity Bank/Express account was also listed on my credit report, which was not mine. I contacted Comenity Bank and learned that " XXXX XXXX '' of XXXX XXXX opened an account with Comenity Bank using his own personal information but listed my social security number on the application. Over the course of the credit account, XXXX was overdue on several payments. It is clear that XXXX XXXX mistakenly used my social security number when filling out the application. 

This is a disgrace and is currently affecting my opportunity to purchase a house, which we are closing on within the month. 

I previously submitted a claim on XX/XX/XXXX with the CFPB and XXXX to have the information removed, which it was. I am not sure why his personal information and credit history was re-attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have already disputed these accounts but the bureaus did not remove them, nor prove validation. please remove these items from my credit files. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX, XXXX XXXX, 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: Affirm Holdings, Inc
State: MI

Complaint narrative:
I order a XXXX XXXX Tv from XXXX through Affirm. Tv was left on porch and no one was home a tv was stolen. I do not possess the Tv so I shouldnt have to pay for it. They said they would send me a replacement if I kept up with my payment but after no response I quit making payments. I also have the police report where the item was stolen and wasnt supposed to be left in a porch. I dont have this tv and would like for this to be taken off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: IL

Complaint narrative:
XXXX mortgage services XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DID NOT AUTHORIZE THESE INQUIRIES WHICH APPEAR ON MY CREDIT REPORT AND THESE ACCOUNTS ARE IN VIOLATION OF 18 U.S. CODE 1028A

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: VA

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX ( 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
Someone, whom I don't know, used my Social Security Number, and created an Internet Account in XXXX since XXXX. 
XXXX never contacted me until XX/XX/XXXX when they sent me a letter charging me {$42.00} whose account was XXXX, in the name of XXXX  ( THAT IS NOT MY NAME ). I called Customer Services, filed a complaint and they agreed to investigate what happened. On XXXX XX/XX/23 I received a letter again with the same account, charging {$54.00}, informing me that Telephone XXXX XXXX XXXX had been suspended and that I owed : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX That same day I contacted XXXX XXXX XXXX XXXX XXXX  created claim # XXXX. Valid to date... 
On XXXX I received a call from the company AMSHER COLLECTION SERVICES charging me {$53.00} Account. No. XXXX, type : XXXX XXXX. 
Thus creating a negative note on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: MA

Complaint narrative:
See document attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Information belongs to my twin brother I have disputed the accounts multiple times and just keep get XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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:
Nelnet has XXXX quality control over its auto-payment infrastructure and undoubtedly has already caused hundreds if not thousands of borrowers significant financial hardship. 

My loans were transferred to Nelnet without my consent ( another issue for another time ), and Nelnet has been incompetent in maintaining my auto-debits. The first issue is that the auto-debits amount changes every month. This means that, in order for my desired debit to occur, I have to go into their outdated and under maintained website to adjust my debit amountdefeating the purpose of an auto-debit. 

Significantly more troubling, however, is the inability to maintain a consistent auto-debit date. To begin, the only way to adjust the debit date is to call the company. The last time I called Nelnet for this purpose I was on hold for over XXXX and a half hours. I have also tried contacting them via e-mail to adjust the date but have never once received a response. I was able to adjust my auto-debit to the correct date over the phone and it was properly taken out for exactly XXXX month. However, immediately after this payment, the auto-debit date reverted back to the original debit date, which was later in the month resulting in XXXX debits occurring in the same month. Mind you, I pay over twice my minimum payment each month, so it is not an issue of me underpaying. 

While I am fortunate to be able to afford to pay for their utter incompetence, lack of basic customer service skills, and in likelihood fraud ; many families around the country are not. It is my genuine belief that Nelnet is a fraudulent company, and I believe that further investigation into their predatory practices will uncover more sinister schemes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was reviewing my credit report and found some inquiries that do not belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I purchased a XXXX XXXX bag online, it was received, but received damaged. I returned the item to XXXX XXXX with proof of purchase to Goldman Sachs Apple credit card. They keep reversing the charge but with no proof that I have the item. The item was returned to XXXX XXXX and proof of this return was sent to Goldman Sachs Several times. XXXX is known for this issue, after reviewing online. I found several customers who are having this same issue with their XXXX XXXX and XXXX not wanting to do anything about it. The product was received like this. I don't know if this was in shipping or how their warehouse shipped it out. I contacted and notified XXXX right away of the damages to " not being able to locate my account '' and the item wasn't returned in prestige condition, but how could it be returned in prestige condition when this was received by me like this. I do not have around $ XXXX for a bag that was received damaged/defective. I have sent all proof to Goldman Sachs, but they now want me to take this in to get it documented, but how? I can't take this into a leather treatement business around me when I don't have the item.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-21 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: IL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  I DID NOT AUTHORIZE THESE INQUIRIES WHICH APPEAR ON MY CREDIT REPORT AND THESE ACCOUNTS ARE IN VIOLATION OF 18 U.S. CODE 1028A

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I DID NOT AUTHORIZE THESE INQUIRIES WHICH APPEAR ON MY CREDIT REPORT AND THESE ACCOUNTS ARE IN VIOLATION OF 18 U.S. CODE 1028A

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 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:
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. 

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 2023-11-21 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:
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. 

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 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Credit Karma, LLC
State: NC

Complaint narrative:
XXXX XXXX in their 'XXXX  XXXX ' continues to show stale information that doesnt match what is shown on XXXX 's XXXX website. I have reached out to credit karma and they continue to state 'they are pulling live information from XXXX  XXXX. 

one the information they are showing is over a month and a half old two it differs from what XXXX shows in their website in every way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: IN

Complaint narrative:
I am writing this letter to formally dispute the accuracy and completeness of credit information being reported by your agency. Under the provisions of federal consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) and the Metro 2 Reporting Guidelines, I request that you conduct a thorough investigation and verification of the account details in question. 

The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), mandates that credit reporting agencies must physically verify the original signed consumer contract for every account they include in a credit report. This verification process is crucial to ensure the authenticity and legitimacy of the information you disclose. By failing to adhere to this requirement, your reporting services could be susceptible to fraudulent accounts, negatively impacting consumers like myself. 

I hereby demand to receive verifiable proof, such as an original consumer contract bearing my signature, for the account listed below : XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX As per the FCRA, unverifiable accounts must be promptly removed from my credit report. In the absence of providing documented proof within the stipulated timeframe, you are obligated to delete the aforementioned account from my credit file. 

Moreover, I also request the removal of all non-account holding inquiries that are older than 30 days. Additionally, please add a promotional suppression to my credit file, as per the relevant consumer laws. 

I am well aware that the FCRA mandates a thirty ( 30 ) day period for your re-investigation of this dispute. Within fifteen ( 15 ) days of the conclusion of your re-investigation, I expect a description of the process utilized to assess the accuracy and completeness of the material in question. 

I emphasize that my rights under the FCRA and other consumer protection laws must be upheld, and I trust that your agency will act in compliance with these regulations. 

Thank you for your prompt attention to this matter. 

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 explanation
Consumer complaint received 2023-11-21 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: VA

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief