vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-27 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: TX

Complaint narrative:
in accordance witht he fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

ACCOUNTS 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 15 u.s.c. 1681 section 602 a. states i have the right to privacy 15 u.s.c. 1681 section 204 a section 2 : also states consumer reporting agency can not furnish an accoiunt with my written instructions.

15 u.s.c. 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 u.s.c. 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a 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 explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
in accordance witht he fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

ACCOUNTS 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 15 u.s.c. 1681 section 602 a. states i have the right to privacy 15 u.s.c. 1681 section 204 a section 2 : also states consumer reporting agency can not furnish an accoiunt with my written instructions.

15 u.s.c. 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 u.s.c. 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a 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 explanation
Consumer complaint received 2023-10-26 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: NE

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-10-26 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: NE

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-10-26 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: NE

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: MOHELA
State: CT

Complaint narrative:
I have reached out to MOHELA numerous times over different issues and have yet to receive a response. I have tried calling and the wait times are hours and they state to do the secure messaging in the portal. 

XXXX XXXX send standing instructions for additional payment never responded. Followed up on XX/XX/XXXX still no response. 

XXXX XXXX - signed up for auto pay back in XXXX. I never got a letter saying my due date but my auto debit date was scheduled for the XXXX. The XXXX comes and they withdraw the money from my account, take 4 days to process and state my account is past due. I contacted to update my auto debit date to the XXXX to take into consideration their processing times ( still with no idea when my payment is actually due ). I have still received no response. 

Additionally, I am on the SAVE plan and any interest accrued not covered by my payment is to be subsidized by the government. That is not the case, the interest is still accruing. So come next month I will have all this additional interest and make my payment go toward that when I specifically enrolled in a plan to avoid that. There has been no messaging from MOHELA on this. Good luck getting through to anyone on the phone and secure messaging clearly is not working. 

I am just unsure how Im supposed to know when my loan is due without a statement ( digital is fine ) but I have no idea on an actual due date and in what work can I not get through to change my auto debit date? I could manually pay on the date I want but then I lose the interest rate deduction. 

Truely seems like a scam to make more money and if the company can not handle everyone returning to repayment, they need to hire more people or provide messaging and accurate hold/wait times. Do not say secure messaging will be answered in 48 business hours and then not answer for a month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: NE

Complaint narrative:
I strongly request that you act quickly to eliminate the unauthorized inquiries from my credit report. They are causing significant distress and I have supplied the necessary documentation for verification. Please expedite your investigation into 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 explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: NE

Complaint narrative:
I'm genuinely troubled by the presence of public records on my credit report that don't belong to me. This issue is causing me immense distress. I earnestly request that you address and correct this situation as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  / XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Someone is using my social security number, name, date of birth to open an account. I'm a victim of identity fraud also recorded on FTC. They are also calling betraying to me the account holder to all of my creditors and closing my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I'm experiencing immense stress and sleepless nights because of this problem. It's frustrating because I've always been punctual with my payments for this account. I sincerely request that you address this issue promptly, ensuring my account reflects the accurate information and relieving the unwarranted stress it has caused

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 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: Nelnet, Inc.
State: MI

Complaint narrative:
Student loans are reflecting a negative effect on my credit report which gives other companies the opportunity to be biased based on negative marks on my credit report. To my understanding I am protected by law and companies can not use any potential negative credit reports that may be used against me and this is hurting my credit when I try and take out a mortgage giving the lenders an opportunity to become biased which is unlawful. I want the dept of education off my credit report immediately, and also any addresses that are not my current address which is XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX. I am looking to buy a house and I do not need any negative inquiries that may hurt me such as the ones I spoke about above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My identity is being used across the internet services, my important documents revolving my medical, financial assistance, bank fraud, inheritance of information has been used as undentify or property sale 's that I've never gotten to, and all government and federal 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 explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I recently checked XXXX for my credit score and noticed I had an unknown debit collection from XXXX XXXX XXXX  ( Original Creditor ) for {$640.00}. I never obtained a credit card or have done business with this company. I have looked them up and the closest one to me is in XXXX. I'm currently residing in California. I don't understand where this debit collection came from. I have been checking my credit score monthly and it wasn't there until now. I reached out to Midland Funding ( Credit buyer ) and disputed it letting them know that I'm unaware of this collection. I believe I was a victim of identity theft. This has never happened before, so I'm puzzled on how to solve this. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I submitted two claims for a double transactions Wells Fargo, stating that the merchant had doubled charged my account. 
They submitted the claims with the information i provided but refused to immeadtely return the money -- once again stating that it would take another " 10 business days ''. 

I found that unacceptable.

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 monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with The Fair Credit Reporting Act, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the rights 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.

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 2023-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
I applied for a Citibank credit card several months ago and was denied ; they said my physical address didn't exist even though t 's on my license. I do NOT get mail at that address. They don't send to XXXX XXXX XXXX. I did NOT receive a card. Now my credit reporting is telling me I have a card and my credit has been impacted by it. 
Tried calling but they want card # [ which I do not have ] or SS. My SS # is not in their system. Yet XXXX says I have a card thru Citibank. 
I am afraid that someone has my card and could use it. I can NOT get through to Citibank to straighten this out.

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 2023-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Account XXXX : XXXX I am writing to address a recent late payment that was reported on my credit report for my car loan with Chase Auto Finance. I kindly request your assistance in reconsidering this late payment and removing it from my credit history. 

The issue is due to bank error as I had made my payment on XX/XX/2023. On XX/XX/2023, I saw the transaction for Chase in my bank and the amount withdrawn from the account but then it abruptly disappeared. I called Chase to see what was going on but they had not seen the issue on their end yet. I was told to wait until it was officially returned as I was not sure if they had gotten or not. I tried to be proactive by calling ahead of time to try to save my credit and figure out solutions but no one was willing to provide any solutions and they did not understand how credit worked. I had to wait until the XXXX to find out it had been reversed and the funds were released for me to be able to make the payment again. This issue is due to bank error. 

I pride myself on not getting any lates with my car and I tried to resolve it prior to the 30 days but Chase does not have staff that understood or could not provide any answers or assistance. Investigate and reverse this late payment. 

The payment has fully cleared and money has been successfully received by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: Coinbase, Inc.
State: TX

Complaint narrative:
Unauthorized transactions. 
XXXX XXXX my account was hacked and money was taken out. I changed my password for most of my accounts but I've never thought of my XXXX  also being in danger. XX/XX/XXXX i filed a claim on XXXX XXXX XXXXXXXX for XXXX  and XX/XX/XXXX i filed another one on XXXX XXXX XXXX for {$1800.00}. 

On XX/XX/XXXX my XXXX  was already hijacked but i didnt get any fraud notification from XXXX  XXXX XXXX until XX/XX/XXXX when more money was taken out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am formally complaining against MACYS/CITIBANK I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any 3rd party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ). 

I have contacted MACYS/CITIBANK who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that MACYS/CITIBANK stand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers.

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 2023-10-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: ISCC, LLC
State: FL

Complaint narrative:
nstant XXXX XXXX XXXX. Was hire by me and my husband XXXX XXXX in XXXX of XX/XX/XXXXXXXX  to negotiate settle in ours debts. XXXX XXXX was the person with whom I had all communication and the person who send me the contract and a legal Power Attorney to us. 
She made an estimate that we would pay {$14000.00} dollars including her fees with a monthly payment of {$610.00} per month for a period of 24 months. I ended up paying 25 months. 
My husband and I were living in NY at that time, due to the COVID businesses were operating from home and all the communications was through phone calls, emails and text message. In XXXX XX/XX/XXXXXXXX  we made the first payment, and the last payment was made XXXX XX/XX/XXXXXXXX  all the payments was made through XXXX XXXX every month she was sending me invoice to do the payments in the course of 2 years I send her {$15000.00} dollars, after calling the credict card companys I found out, she only used XXXX of the money that we paid and we have four accounts have not been settled We have 9 Credict cards debts between my husband and I. 
XXXX XXXX through ISCC , LLC only made a settle on 5 of does credict cards plus another Credict card she made parcial payments Im trying to get in touch with XXXX many times by phone, text and emails with no answer. 
My husband and I worked very hard to get out of debts and fulfill our dream of buying our house. 
I would like that the money to be returned to us. Also I would like to apologize for any misspelling, XXXX is not my first language thanks.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I'm experiencing immense stress and sleepless nights because of this problem. It's frustrating because I've always been punctual with my payments for this account. I sincerely request that you address this issue promptly, ensuring my account reflects the accurate information and relieving the unwarranted stress it has caused

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