vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-15 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: PA

Complaint narrative:
To whom it may concern, This complaint is against XXXX XXXX Account # XXXX for the following violations of my rights as a federally protected consumer under the Fair Credit Reporting Act and Privacy Act of 1974. 

Per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( XXXX XXXX XXXX ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between XXXX XXXX and me. 

Furthermore, I am requesting that XXXX XXXX provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that have been adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. I am giving XXXX XXXX 30 days from the date that of the receive complaint to provide me with the information that I am requesting. If the requested information is not received in the allotted time given, then it will be assumed that the late payments can not be verified on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request the removal of the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, Experian XXXX XXXX or all that apply ) and an update to the accounts to positive and paid as agreed. Additionally, I am requesting that my credit utilization no longer be reported to the forementioned consumer reporting agencies as it is illegal to share my transaction history. 

Your cooperation in this matter is crucial to ensure the accuracy of my credit report and safeguard my rights as a consumer under the FCRA. I look forward to a timely resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: PA

Complaint narrative:
FCRA 605B, I believe, necessitates the removal of any incorrect accounts from my credit report. Could you please review the paperwork? There are inaccuracies in some of the listed accounts, and it's unsettling for 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 explanation
Consumer complaint received 2024-03-15 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: Nelnet, Inc.
State: MO

Complaint narrative:
There are XXXX different school loans on my credit report. I did not have any business with any. The one cliaming ed educational has the largest amount I never heard of. I thought that part of my loan was removed. I find out that they increased the amount that they claimed I owe is not the amount that I owe. I believe it is a scam. The other one is Nelnet who has been calling my voice message again. I do not owe anything with them. I thought all of the loan was removed years ago. This is what I asked for. They were there on my credit report causes my credit score to downward XXXX points. I think that this a scam to use against XXXX people, and lowering my credit scores is one way that has been used in the past, and hopefully not again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
To whom it may concern, This complaint is against Wells Fargo Account # XXXX for the following violations of my rights as a federally protected consumer under the Fair Credit Reporting Act and Privacy Act of 1974. 

Per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( Wells Fargo Bank ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between Wells Fargo and me. 

Furthermore, I am requesting that Wells Fargo provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that have been adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. I am giving Wells Fargo 30 days from the date that of the receive complaint to provide me with the information that I am requesting. If the requested information is not received in the allotted time given, then it will be assumed that the late payments can not be verified on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request the removal of the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX XXXX or all that apply ) and an update to the accounts to positive and paid as agreed. Additionally, I am requesting that my credit utilization no longer be reported to the forementioned consumer reporting agencies as it is illegal to share my transaction history. 

Your cooperation in this matter is crucial to ensure the accuracy of my credit report and safeguard my rights as a consumer under the FCRA. I look forward to a timely resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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:
There are accounts being reported to my credit without my permission

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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:
There are accounts being reported to my credit without my permission

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
I was contacted by a loan XXXX at one main financial loan services by the name of XXXX XXXX he got a few in for from as far as where I worked, how much I make a month, my banking routing and account number and also the last XXXX of my social. He told me I was approved for XXXX and gave me a confirmation to contact the XXXX XXXX XXXX by the name of XXXX XXXX and his number is XXXX ( XXXX ) XXXX, I called XXXX XXXX and he assure me that I had to pay XXXX through a XXXX card because the wire transfer was coming from XXXX XXXX  and I sent it then he told me that XXXX XXXX would not release the funds because my social security number was flagged and that I had to pay XXXX on a XXXX card and I did that also and then called me and told me that they needed XXXX dollars and I told them I would not give more money because this did not make sense he then told me he would pay XXXX from his own pocket and only send XXXX. So all together I sent XXXX then called and told me that I had to send XXXX more and I told him that I would not be sending anymore money and that I wanted to cancel and get my money back he told me that I would not see any of money because I had to pay, I told him that I would be reporting this and he told me he promise me I wont see a XXXX of my money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
Reported via phone and chatted on line on XX/XX/2024 with American Express XXXX XXXX bevy card. and this was their response The 0 % APR offer was only towards the " Purchases '' on your card within the offer period. 

Cash advances, and card fees like annual fees are not included towards the 0 % Purchase APR offer.

The said interest charge was towards the card annual fee that was billed on your card last XXXX, for the amount of {$250.00} I have this on autopay which covers more than the minimum amount required. Is this legal? even though I make consistent payments, no purchases were made during the time period, no cash advances, but I was still charged interest fee for the {$250.00} annual card fee even though i make $ 500 monthly auto pay? I am still trying to negotiate and rectify this issue with AMEX. process still pending and no advise made yet on how to avoid this type of charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
You are reporting inaccurate accounts on my credit report. I'm so stressed and very disappointed due to this events that harmed my mental health, emotional health and even put my family in distress! Start the investigation on these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: TN

Complaint narrative:
Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: PA

Complaint narrative:
I request the removal of these inquiries. I lack any insight into this issue, and the company proceeded without obtaining my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I AM UNAWARE OF THIS ALLEDGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL & CERTIFIED TRACKING # WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING THAT IVE RECEIVED IT PRIOR TO REPORTING THIS ALLEDGE DEBT ON MY CONSUMER REPORT.

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 2024-03-15 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: PA

Complaint narrative:
I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Could you kindly verify the documents? Several of the mentioned accounts contain inaccuracies, causing me distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Today XX/XX/XXXX I reached out to Experian Credit Reporting Agency to try and get inaccurate addresses, names, phone numbers, and even employment information removed from my report. First let me say how frustrating it was trying to use the automated service to try and get a hold of a customer service representative. All the automated menu allows you to do is to freeze/unfreeze or request your credit report. It AT NO POINT gives you a prompt to request to speak to an agent. To be honest I'm not quite sure how I was able to get one on the line after 20 minutes. I previously sent them a letter in XX/XX/XXXX requesting they do the same which went unanswered. 
When I finally did get someone on the line she refused to remove certain addresses because according to her other companies were reporting inaccurate addresses as my address on file. That is a violation of 15 USC 6801. This code states " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. Moreover, they have a mandate to " insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Furthermore, the Privacy Act of 1974 permits individuals to gain access to their records which are maintained in a system of records and to seek amendment of any incorrect or incomplete information contained in those records. ( 5 U.S.C. 522a, Public Law 93-579 ) In addition EXEPERIAN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX never offered an annual opt out notice as is required by CFR 313.5. According to CFR 313.7 the notice provided should be " clear and conspicuous. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$2800.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$2100.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$410.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$2500.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$5900.00}. 
XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: FL

Complaint narrative:
This company indulge in other businesses notes at less then 60 % or more from original loan and try to make millions out of thousands. This people bought note of my XXXX XXXX loan for secured equipment finance my business failed to pay XXXX XXXX due to XXXX in 2020 and I was making small payments after this crooked company took over and then I defaulted because i got XXXX XXXX XXXX XXXX could not work and I requested more time to pay but to my surprise they hired an attorney in Florida who have only XXXX XXXX reviews who seems to be dishonest like this people and he was negotiating with my debt consolidator and in background started court proceeding and without summon or notice to me he got judgement and now trying to Garnish my personal account. A simple example will explain my situation when you buy car on finance and if you default they reposes the vehicle and same thing i told this XXXX People that business failed and I have this equipment which was originally financed by XXXX XXXX which is secured finance against the equipment but they refused to take back that laser Machine which is still I have it in my possession. And they sued me for the business went in loss and closed due to XXXX the debt of {$6000.00} they got judgement of {$30000.00} AND ON TOP OF THAT THEY HAVE PUT {$24000.00} AS COLLECTION ON MY TRANS UNION CREDIT BUREAU they went all out to destroy me their intentions is not to collect money but getting big Judgements and recover big money from their insurance company This company have many similar complaints on XXXX XXXX XXXX XXXX site which proves this company is doing wrong and damaging individual and small business and families with wrong reporting and judgements

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: COLUMBIA BANKING SYSTEM, INC.
State: FL

Complaint narrative:
This company indulge in other businesses notes at less then 60 % or more from original loan and try to make millions out of thousands. This people bought note of my XXXX XXXX loan for secured equipment finance my business failed to pay XXXX XXXX due to XXXX in 2020 and I was making small payments after this crooked company took over and then I defaulted because i got XXXX XXXX XXXX XXXX could not work and I requested more time to pay but to my surprise they hired an attorney in Florida who have only XXXX XXXX reviews who seems to be dishonest like this people and he was negotiating with my debt consolidator and in background started court proceeding and without summon or notice to me he got judgement and now trying to Garnish my personal account. A simple example will explain my situation when you buy car on finance and if you default they reposes the vehicle and same thing i told this XXXX People that business failed and I have this equipment which was originally financed by XXXX XXXX which is secured finance against the equipment but they refused to take back that XXXX XXXX  which is still I have it in my possession. And they sued me for the business went in loss and closed due to XXXX the debt of {$6000.00} they got judgement of {$30000.00} AND ON TOP OF THAT THEY HAVE PUT {$24000.00} AS COLLECTION ON MY XXXX XXXX CREDIT BUREAU they went all out to destroy me their intentions is not to collect money but getting big Judgements and recover big money from their insurance company This company have many similar complaints on XXXX XXXX XXXX XXXX site which proves this company is doing wrong and damaging individual and small business and families with wrong reporting and judgements

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: NJ

Complaint narrative:
I lodged a complaint with these Bureaus a couple months ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these XXXX and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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 did not initiate these accounts, and I suspect them to be XXXX I request a thorough investigation and their removal from my credit report. Attached are supporting documents.

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