vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-17 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: IL

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : Account name : 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 2024-08-17 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: IL

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : Account name : XXXX  Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Dispute and Cease and Desist Regarding Incorrect Late Payment Reporting To Whom It May Concern, I am writing to formally dispute the reporting of late payments on my account with XXXX XXXX XXXX XXXX. The auto loan associated with this account has been fully paid off ; however, your company has incorrectly reported late payments to the credit bureaus. This inaccurate reporting has negatively impacted my credit profile, and I am requesting that this matter be rectified immediately. 

Please be advised that I have reviewed my payment history, and the late payments currently reflected on my credit report are incorrect. As such, I request that you provide a detailed breakdown of the payments and any associated dates that you believe were late. Additionally, if you are unable to validate this information, I ask that you promptly remove these inaccurate late payments from my credit report and notify all relevant credit bureaus of the correction. 

This inaccurate reporting is a violation of the Fair Credit Reporting Act ( FCRA ), specifically under XXXX XXXX Code XXXX ( a ), which requires furnishers of information to provide accurate information to consumer reporting agencies. Failure to correct these inaccuracies promptly may result in legal action to protect my rights. 

In light of this, and until this matter is resolved, I am also requesting that you cease all further collection efforts or communication related to this account. Under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX Code XXXX ( c ), I am exercising my right to demand that you cease any further contact unless it is to inform me that further collection efforts are being terminated or to provide information regarding specific legal remedies your company intends to pursue. 

Please take this matter seriously, as continued reporting of incorrect information constitutes a violation of federal law. I will not hesitate to pursue legal action if necessary. 

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

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 2024-08-17 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:
I am writing to dispute fraudulent accounts reported to Transunion under my name : 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 XXXXXXXX I have requested an investigation and removal of these accounts but no action has been taken. The entities are in violation of 15 US Code laws, specifically 15 USC 1681s-2 and 15 USC 1691N .

I urge immediate intervention to resolve this issue and hold the entities accountable for non-compliance with the aforementioned US Code laws. 

I have provided an attachment of what is wrong.

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 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Tried to check on the freeze status for the XXXX XXXX. XXXX I established all report " invalid credentials '' or " Call this number to speak to an agent. '' Tried XXXX phone authentication and got through including validation code sent to my phone and it reported unable to authenticate. Waited for an agent on phone for XXXX minutes and gave up. Thanx for your followup.

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 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Tried to check on the freeze status for the XXXX agencies. XXXX I established all report " invalid credentials '' or " Call this number to speak to an agent. '' Tried Experian phone authentication and got through including validation code sent to my phone and it reported unable to authenticate. Waited for an agent on phone for XXXX minutes and gave up. Thanx for your followup.

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 2024-08-17 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2024-08-17 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: CA

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2024-08-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Nelnet keeps telling me im late I try and log in and it does not work to apply for the income program I complained Im locked out all NelNet said is I am not locked out OK maybe now I am not HOWEVER now their sites down just another cliche BUT the student is getting harmed by charging me interest and fess and I can not even get on the web site

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: MD

Complaint narrative:
I recently obtained my credit report and I saw that I had numerous accounts that where not mines and or opened fraudulent I contacted the credit bureaus and informed them that I did not open these accounts and was informed that my information was exposed in a data breach I then filed a report with the ftc.

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 2024-08-17 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: MD

Complaint narrative:
I recently obtained my credit report and I saw that I had numerous accounts that where not mines and or opened fraudulent I contacted the credit bureaus and informed them that I did not open these accounts and was informed that my information was exposed in a data breach I then filed a report with the ftc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I bought a used car XXXX XXXXXXXX XXXX XXXX XXXX  a little less than a month ago at the dealership I was quoted XXXX interest rate and without my knowledge the Ally financial company sent me a notice in the snail mail that the interest-rate was missed quoted at the beginning of this Loan .... 

I have an account on their website and have made my first payment to them and this information was not on my account or on the website at all and I only happen to open the Mail message a day before they're made up deadline to find out they want to change the interest rate on me?!!?? 

how is this legal?? 

As I'm in the process of providing this information I've been talking to some representative from Ally themselves they don't even have record of the documents they sent me they were saying they wanted to charge me an extra {$12000.00} on top of the loan that I have with them which is listed at XXXX this document I have in my hand was saying they wanted to raise it to XXXX at least and they're not letting me cancel my XXXX  they don't have the records of It... 

I'm finally being passed up to a manager but they're basically being incredibly and I'm probably gon na have to cancel this loan. 

They have continually stated that they have nothing to do with this that have to do with my dealership which is complete XXXX the documents I have so they are trying to change my interest rate without and we're going to approve it without my direct signature unless I call them and I'm calling them and they say they have nothing to do with it they don't even have a record of this message being sent to me via my mailing address so this is really really really crooked. 

I have additional documentation regarding the initial loan information from the dealership directly but because your website constantly tries to end the session I did not have the chance to upload it please reach out and contact me and I can upload more information and more documents to prove what's going on

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: Self Financial Inc.
State: AR

Complaint narrative:
Self Financial Inc has reported my account as charge off. The account is charged off but they are still asking for funds and even using third parties to do so. When the account is charged off, the company no longer has the a debt. And the information such as the address and telephone numbers are inaccurate as well. My rights have been violated according to 15usc 1692g and 15usc 1681c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Told them I didnt use the credit card they still charged 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 2024-08-17 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: VA

Complaint narrative:
On XX/XX/XXXX, I filed a formal complaint with XXXX XXXX XXXX XXXX after discovering an unauthorized credit inquiry on my report. The inquiry, dated XX/XX/XXXX, raised serious concerns since I had no prior dealings with this company. In response, I requested a detailed explanation, proof of my authorization, and the removal of the inquiry if it was, in fact, unauthorized. 
I emphasized the importance of accuracy in corporate names within legal and financial documents. Even minor errors in the name of an entity can lead to significant financial and legal issues. Furthermore, I stressed the need for companies to safeguard personal information and comply with their obligations under the Fair Credit Reporting Act ( FCRA ). These standards are crucial in protecting consumers and maintaining trust in the credit reporting system. 
Due to the severity of this issue, I escalated my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation. My experience highlights the importance of vigilance in monitoring credit reports and the need for accountability in credit reporting agencies. I share this in the hope that it helps others who may face similar situations with unauthorized credit inquiries or challenges with consumer reporting agencies.

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 2024-08-17 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: MD

Complaint narrative:
I recently obtained my credit report and I saw that I had numerous accounts that where not mines and or opened fraudulent I contacted the credit bureaus and informed them that I did not open these accounts and was informed that my information was exposed in a data breach I then filed a report with the ftc.

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 2024-08-17 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: MA

Complaint narrative:
Both XXXX and TransUnion continue to show that I have Accounts with Adverse Information and Serious Delinquency. Only TransUnion shows the alleged account with Delinquency, which shows XXXX XXXX. I have talked to both agencies numerous times on the phone and have mailed information from XXXX that the account was never Delinquent, was paid on time and in full. The crazy part is, both credit reports from XXXX and TransUnion show XXXX XXXX as Exceptional Payment History, account closed and Paid On Time. I get both of them on the phone and they admit they show no delinquencies at all on my account and will look in to it and fix it. This has gone on for several years and nothing has been fixed. The result Is that some of my credit card companies show a reduced FICO score and most of them show the correct higher ( over XXXX ) scores. I am totally frustrated with both these companies and their total lack of concern and professionalism in this matter, especially since their own Credit Report proves what I am saying. I can't even dispute my case on XXXX, because the account shows Exceptional, not even allowing me to click on to dispute. Neither of them can produce any evidence to confirm the negative statements they have in the reports. 


PLEASE HELP!

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 2024-08-17 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: DISCOVER BANK
State: CA

Complaint narrative:
In XXXX I filed a complaint to discover bank regarding the 30 day late they reporting to the 3 major credit bureaus XXXX XXXX and XXXX. The 30 day late was due to my credit card being stolen and used fraudulently. Discover bank disputed the fraudulent charges and reimbursed me those funds since they verified that they were fraudulent inquires. Discover bank still has not removed the inaccurate 30 day late they reporting to the credit bureaus in XXXX which were a direct result of those fraudulent inquires. Please contact discover bank and finish the investigation and remove that fraudulent 30 day late they are reporting to XXXX XXXX and XXXX. That is due to the fraud transactions and I should not be held responsible. If this issue is not resolved I feel obligated to pursue this with legal action. Discover investigation team please make sure to respond to me with results and don't close this complaint I am submitting without give me results and saying you are working on it because discover bank is not helping me and the costumer support they offered me was horrific and I will contact the XXXX as well. 


Discover Bank reported a 30 day late payment to the 3 major credit bureaus XXXX XXXX and XXXX for the month of XXXX of XXXX. Since XXXX of XXXX I was hospitalized due to a terrible car accident which my wallet was lost and stolen. Due to my wallet being stolen my social security number along with all my credit card were compromised and used. There were fraudulent transactions that were done on my discover card from XX/XX/XXXX up until XX/XX/XXXX. I have recently been discharged a couple weeks now and I have disputed all the fraud transactions. Due the fraud transactions I should not be held responsible for the 30 day late payment and discover should remove it because I did not once get a fraud alert that my discover card was being used without my knowledge. Discover failed to report fraud transactions to me which resulted in the account to go 30 days past due and report to the bureaus. If this issue is not resolved and the 30 day late payment is not removed from my credit reports I will be filing a law suit against discover in the small courts claim where I have all proof to show discover is breaking FCRA laws. I have been with discover since XXXX and I have never had an issue such as this. Please resolve this problem in a timely manner. Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-17 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: CITIBANK, N.A.
State: FL

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. 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, 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 an 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 antedate 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