vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-25 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: IL

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME ANXIETY AND I WON'T ALOW IT.

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 2024-05-25 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:
This inquiry is unauthorized and appears to be fraudulent ; I have no knowledge of these inquiries. Please take immediate action to address this issue. See the attached documents for reference.

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 2024-05-25 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: IL

Complaint narrative:
This inquiry is unauthorized and appears to be fraudulent ; I have no knowledge of these inquiries. Please take immediate action to address this issue. See the attached documents for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED Kindly expunge these fraudulent accounts from my credit report, as they are not mine and were unknown to me. Per USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: TX

Complaint narrative:
I consistently ensured timely payments, so why is there an error in my credit report?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 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: TX

Complaint narrative:
I consistently ensured timely payments, so why is there an error in my credit report?

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 2024-05-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
My last 3 monthly payments Ive made went 100 % towards interest only. Also, In XXXX I reached out to Nelnet about the tax form they sent me stating I paid {$0.00} in interest payments in year 2023. However, this was not true as my payment statements and online portal showed I made over {$400.00} in interest payments. They reported that I paid {$0.00} to IRS. I was on phone with representative for over 5 hours and he did not help me. Not only that, but I asked multiple times for documentation reflecting what ive paid towards my principle balance and interest. I have paid over {$3000.00} towards what my {$18000.00} original balance was and they took nearly half of those payments to interest only even though the interest rate is a little over 4 %. They refuse to reflect accurate information on my billing statements and are providing false information to IRS which doesn't allow me to report any interest paid which is hurting my tax burden and shows they are being untruthful to IRS which is illegal. I have sent emails, letters, and calls with no success of being helped or issues being fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial
State: FL

Complaint narrative:
I AM SATISFIED WITH THE DEBT FORGIVENESS, HOWEVER I WANT BOTH OF THE ATTACHED ACCOUNTS REMOVED IMMEDIATELY FROM CLARITY REPORTS AND ALL RECORDS ASAP!!!! XXXX XXXX DEFINITES NEEDS TO PAY ME {$1500.00} FOR EMOTIONAL DISTRESS ALONG WITH {$150000.00} IN LOST WAGES BECAUSE I HAVE MISSED OUT ON EMPLOYMENT, A VEHICLE AND A HOME BECAUSE OF THIS SITUATION!!!! IF THIS IS NOT DONE BY XX/XX/2024 I WILL CONTINUE TO COMPLAIN AND SUE THIS COMPANY!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: IL

Complaint narrative:
reviewing my consumer report I notice hard inquiries that I did not approve anyone to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: TX

Complaint narrative:
I consistently ensured timely payments, so why is there an error in my credit report?

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 2024-05-25 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: NY

Complaint narrative:
I am writing to file a complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ) by exceeding the 30-day timeframe to respond to my dispute. On XX/XX/year>, I submitted a dispute regarding XXXX XXXX  due to inaccurate late payment information. Despite the FCRA requiring a response within 30 days, Equifax has failed to provide a resolution or supporting documentation. I request that Equifax immediately provides proof of the alleged late payments, including documentation from the creditor ( SENT TO ME VIA MAIL OR EMAIL ) and takes prompt action to correct or remove the inaccurate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am writing to formally request the removal of my name as an authorized user on an account and to request that this account be deleted from my credit reports with XXXX, XXXX, and XXXX. 

I have not signed a card member agreement with Capital One, and I am not legally responsible for this card or its balances. I have recently reviewed my credit reports and noticed that this account is being reported under my credit profile and the information is all adverse to me. This account is impacting me negatively and is not mine. I have no legal obligation or agreement concerning this account. This account belongs to my soon to be ex husband XXXX XXXX. I am not a joint account holder and never gave Capital One permission to report this account information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: TX

Complaint narrative:
Please on my trans union and XXXX credit report there's still 1 delinquent account on my credit report but when you check XXXX there's no delinquent account on my XXXX. Also when you check the payment history of the XXXX XXXX  it shows I havent missed any payment from there because they fixed it but trans union and XXXX dont want to update the credit report. I kept contacting them messaging them to update that one late payment on my account because XXXXXXXX XXXX updated remove the late payment and the account is been paid off since XXXX. Please I want trans union and XXXX to update my account and removed the late delinquent they have on my account, because when you check the payment history from XXXX it says XXXX missed payment so I dont know why they dont want to update my credit report. Pleased here is the Closed account information, XXXX XXXX XXXX, Missed payment XXXX XXXXime 30/60/90 days late XXXX Remarks closed. please this is the information. XXXX already updated the account information but trans union and XXXX dont want to update the account information.

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 2024-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
reviewing my consumer report I notice hard inquiries that I did not approve anyone to pull my 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 2024-05-25 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:
reviewing my consumer report I notice hard inquiries that I did not approve anyone to pull my 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 explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Sezzle Inc.
State: MA

Complaint narrative:
My checking account was charged twice by a merchant I didnt do business with

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.

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 2024-05-25 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: AL

Complaint narrative:
I show a bankruptcy on my credit report. I contacted the court and they said they didn't furnish any information to the bureaus. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be 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 2024-05-25 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I show a bankruptcy on my credit report. I contacted the court and they said they didn't furnish any information to the bureaus. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be 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 explanation
Consumer complaint received 2024-05-25 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:
PLEASE BLOCKED AND REMOVED It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.

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 2024-05-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal Credit Union Has Crammed Me with advertisements through my portal I am currently a Navy federal Member they been solicting soliciting soliciting as I am and served this country to learn they pulled credit and state I am not a fit to there criteria DENIED

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2024-05-25 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: LA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: CA

Complaint narrative:
On Friday XX/XX/24, my PNC Bank had allowed my debit card payment of {$620.00} to XXXX XXXX XXXX which I did not approved of and I didn't know what this charge was about and I also was signed up for alert and this never happened. Immediately on Friday XX/XX/24 the same day I contacted XXXX XXXX to speak to a customer service agent XXXX, I mention to her regarding this charge and what is it for ... ..she advised me right away that there is no charge in their system for this amount and no purchases and they did not request the payment. Then I immediately contacted the PNC Bank located in XXXX, spoke to a customer service and advised them of this situation, she advised that they could not do anything as it was showing pending and as soon the pending is off, then I can dispute it. This customer service also made an appointment for a PNC Banker to contact me on Saturday XX/XX/24 at XXXX and it did not happen. Folks, my bank allowed this charge to go through without my permission when I signed up for an alert and I was not contacted, I would have said NO. XXXX had stated to me they did not request this payment then who did??? but PNC Bank allowed this payment to go through to WHO??? a SCAMMER. This is outrageous, now that I disputed it, I have to wait 10 days for their investigation which may lead up to 90 days which is rediculous. I am beginning to think PNC Bank caters to SCAMMERS ... ..Please help... .The appointment call never happened, I am filing a complaint to the XXXX  and to FTC for Fraud .

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-25 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: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally lodge a complaint against XXXX XXXX  for the unauthorized and fraudulent dissemination of my personal information to third-party debt collectors, XXXX XXXX XXXX XXXX in direct violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), codified at 15 U.S.C. 1692, and the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1602.. Without my confirmation or acknowledgment, sensitive personal details were exposed, leading to significant distress and a breach of privacy. 

Violation listed below : Fair Debt Collection Practices Act ( FDCPA ) Violations : Unauthorized Disclosure : XXXX XXXX  disclosed my personal information to third-party debt collectors without my permission. This unauthorized dissemination violates 15 U.S.C. 1692c ( b ), which restricts communication of a consumer 's personal information to third parties without consent. 
False Representation : By sharing my information without authorization, XXXX XXXX misrepresented the legal status of my debts and the nature of their business conduct, violating 15 U.S.C. 1692e, which prohibits the use of any false, deceptive, or misleading representation or means in connection with the collection of any debt. 

Truth in Lending Act ( TILA ) Violations : Failure to Disclose Terms Accurately : XXXX XXXX  failed to provide clear and accurate disclosures regarding the terms of my credit, violating 15 U.S.C. 1602. This failure to disclose information accurately has significantly impacted my understanding and management of my debt obligations.

Unauthorized Transactions : The dissemination of my personal information to third-party debt collectors constitutes unauthorized transactions and a breach of trust, further violating provisions under TILA that protect consumers from unauthorized use of their credit information. 

The damage to my credit report has caused considerable financial hardship, affecting my cost of living and ability to secure necessary credit. I urge the CFPB to investigate this matter thoroughly and hold XXXX XXXX XXXX XXXX XXXX XXXX  accountable for their actions, ensuring that such breaches of consumer rights and privacy are prevented in the future.

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