vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-29 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: NC

Complaint narrative:
Consumer Name : XXXX XXXX XXXX : XXXX XXXX Complaint Regarding Reinsertion of Fraudulent Accounts Due to Identity Theft Complaint Summary : I am filing this complaint due to the fraudulent reinsertion of accounts on my credit report that were the result of identity theft. Despite submitting a formal Identity Theft Report to the Federal Trade Commission ( FTC ), providing supporting documentation ( such as a police report and proof of identity ), and disputing the accounts with the credit bureaus, these accounts were improperly reinserted without proper verification, in violation of the Fair Credit Reporting Act ( FCRA ). 

Details of Fraudulent Accounts include XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX These accounts were fraudulently opened, reported, and reinserted on my credit report in my name without my knowledge or consent. Initially, the accounts were removed after my dispute, but they have since been reinserted into my credit report without the proper verification process required by FCRA 1681i ( a ) ( 5 ).

Violations : Failure to Block Fraudulent Accounts ( FCRA, 15 U.S.C. 1681c-2 ) : Despite providing the required Identity Theft Report, the credit reporting agencies failed to block these fraudulent accounts within four business days, as required by the FCRA.

Unlawful Reinsertion Without Proper Verification ( FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ) : The fraudulent accounts were reinserted into my credit report without proper verification or notification, which violates the FCRAs requirements for reinsertion of previously disputed accounts.

Failure to Maintain Accurate Information ( FCRA, 15 U.S.C. 1681e ( b ) ) : The credit reporting agencies are responsible for ensuring that the information on my credit report is accurate and verifiable. These accounts are neither, and their continued presence on my report is damaging my creditworthiness.

Ignored Opt-Out Request ( Gramm-Leach-Bliley Act, 15 U.S.C. 6802 & 16 C.F.R. 313.7 ) : I have also submitted a formal request to opt out of any data sharing related to these fraudulent accounts, but this request has been ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 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: NC

Complaint narrative:
Consumer Name : XXXX XXXX XXXX : XXXX XXXX Complaint Regarding Reinsertion of Fraudulent Accounts Due to Identity Theft Complaint Summary : I am filing this complaint due to the fraudulent reinsertion of accounts on my credit report that were the result of identity theft. Despite submitting a formal Identity Theft Report to the Federal Trade Commission ( FTC ), providing supporting documentation ( such as a police report and proof of identity ), and disputing the accounts with the credit bureaus, these accounts were improperly reinserted without proper verification, in violation of the Fair Credit Reporting Act ( FCRA ). 

Details of Fraudulent Accounts include XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX These accounts were fraudulently opened, reported, and reinserted on my credit report in my name without my knowledge or consent. Initially, the accounts were removed after my dispute, but they have since been reinserted into my credit report without the proper verification process required by FCRA 1681i ( a ) ( 5 ).

Violations : Failure to Block Fraudulent Accounts ( FCRA, 15 U.S.C. 1681c-2 ) : Despite providing the required Identity Theft Report, the credit reporting agencies failed to block these fraudulent accounts within four business days, as required by the FCRA.

Unlawful Reinsertion Without Proper Verification ( FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ) : The fraudulent accounts were reinserted into my credit report without proper verification or notification, which violates the FCRAs requirements for reinsertion of previously disputed accounts.

Failure to Maintain Accurate Information ( FCRA, 15 U.S.C. 1681e ( b ) ) : The credit reporting agencies are responsible for ensuring that the information on my credit report is accurate and verifiable. These accounts are neither, and their continued presence on my report is damaging my creditworthiness.

Ignored Opt-Out Request ( Gramm-Leach-Bliley Act, 15 U.S.C. 6802 & 16 C.F.R. 313.7 ) : I have also submitted a formal request to opt out of any data sharing related to these fraudulent accounts, but this request has been ignored.

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 2024-09-29 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: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Opportunity Financial, LLC
State: FL

Complaint narrative:
I am not liable for this debt with opploans.com, I do not have a contract with this collection agency. They didn't provide me with the original contract as I requested

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XXXX ) XXXX XXXX XXXX XXXX open XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  open XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. 
XXXX  DELETE 30 Day late from my credit report due to violation of 15 USC 1681s-2 ( F )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: DC

Complaint narrative:
I just want information that can help me get my loan down. I'm currently attending school and I want to make sure I can be able to try and pay down my loan. I need to be able to afford to pay my loans down and be able to live. I just want some help trying to come up with a plan and options that can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: V and H Portfolio
State: NM

Complaint narrative:
I don't remember the exact year I took out the payday loan from XXXX XXXX. I believe it was around XXXX or XXXX, maybe later than that. I hired this company out of XXXXXXXX XXXX The representative was XXXX XXXX. According XXXX XXXX XXXX. They said they paid XXXX XXXX. XXXX XXXX XXXX, had me pay a company out of Oklahoma. I paid everything in full, and I went about my life. This past week I check my XXXX score, I saw that my credit score went from XXXX to XXXX. I immediately file a dispute with XXXX notifying them that XXXX XXXX was paid off through XXXX Since, I file the dispute with XXXX, the collection agency of VANCE & HUFFMAN, LLC that I saw on my credit report. I believe this collection is somewhere back on the XXXX XXXX. I believe, XXXX XXXX is trying to get more money than what was settled to them through XXXX The balance that they are trying to get is around {$350.00}. I will not pay anything to this collection company, because, I have not gotten a written letter in the mail. VANCE & HUFFMAN contacted the CREDIT BUREAUS, without notifying me by mail. I never got a letter of VALIDATION letter. I feel the collection agency VANCE & HUFFMAN violated the FAIR DEBT COLLECTION PRACTICES ACT. No one from the collection agency contacted me with a written validation letter, and this is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: GA

Complaint narrative:
I am writing and sending this complaint with absolute certainty and extreme frustration, there are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and credit score making me unable to achieve financial freedom and stability.

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 2024-09-29 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: CA

Complaint narrative:
I am writing and sending this complaint with absolute certainty and extreme frustration, there are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and credit score making me unable to achieve financial freedom and stability.

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 2024-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: NC

Complaint narrative:
I ordered merchandise online from XXXX XXXX XXXXXXXX XXXX in XX/XX/year> that was going to be billed through XXXX. Within in XXXX minutes of ordering I called XXXX XXXX  and canceled the order and called XXXX to inform them as well. The merchandise was shipped anyway and I did not accept the merchandise and it went back to XXXX as not accepted. Now XXXX has turned me over to TrueAccord collection Agency for merchandise I canceled and did not accept. The merchandise was sent back to the sender 's address : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IL XXXX. I want XXXX to correct my balance to {$0.00} and TrueAccord to do the same. True Accord has contacted me through text and email from XXXX XXXX - ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX KS XXXX her email XXXX XXXX. 

This has been haunting me since XX/XX/year>. I have called XXXX over and over to no avail. I will never use XXXX again because they have done nothing to rectify this situation. I don't owe XXXX anything. Your help is very much appreciated. 

I have all types of emails to XXXX XXXX at XXXXXXXX XXXX XXXX  XXXX who received the merchandise back. If you will contact me we can find a way that I can forward all of this to you. I have too much to attach here.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Kashable LLC
State: MD

Complaint narrative:
I applied for a loan from Kashable and submitted very personal information. I even connected my checking around through XXXX, sent check stubs, a photo of my license and proof that i started an allotment showing my first payment. I was repeatedly told the application disappeared, or that after three days I have to apply again with no explanation. Now a payment has come out of my check and I cant get a response. I submitted 4-5 applications with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: CA

Complaint narrative:
I was shocked to know that my credit report has been improperly used, applications were done in my name and these companies pulled up my credit report without my consent nor authorization, Neither I recognize these fraudulent inquiries nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: CA

Complaint narrative:
There's an inquiry on my credit report that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report. It is stressing me and making me XXXX  on why and how this happened.

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 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XXXX XXXX XXXX XXXX open XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. 
XXXX DELETE 30 Day late from my credit report due to violation of 15 USC 1681s-2 ( F )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Cascade CISS Holdings, LLC
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XXXX ) XXXX XXXX open XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. 
XXXX  DELETE 30 Day late from my credit report due to violation of 15 USC 1681s-2 ( F )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
I was using my Apple Card to take advantage of the 3 % cash back they offer for buying from Apple, my mom needed to buy gifts for her nieces and nephews and she told me if I can go to Apple and buy them new phones so said I can so I went to Apple and bought them new phones she gave me the money i put it on my credit card so i can take advantage of the cash back and I paid the moment as soon as it posted, I wake up Monday morning 2 days after this happened I get a email Your Apple Card account has been closed as of XX/XX/year> and can no longer be used for purchases because : There was a failure to comply with the terms of the Customer Agreement. 

Called them and tried talking to them and even spoke with a supervisor and explained everything and they told me theres nothing they can do if its closed its closed they can close your card for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Hello and good day! There are erroneous information on my credit report, this is really worrisome. My financial freedom is at stake and these errors halts the progress in achieving it, my credit applications are getting rejected because of these inaccuracies it's extremely XXXX  me out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I would like you to conduct an investigation for me to make certain that everything is accurate. 
1 ) XXXX XXXX XXXX  account number is XXXX - - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for 15 USC 1681e ( b ).

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 2024-09-29 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: TX

Complaint narrative:
I am contacting your credit bureau agency in regards to the account XXXX XXXX. Your credit bureau has stated they have investigated and marked my report as verified/acceptable in the past, however, I have disputed several times stating the dollar amount and late payments is incorrect. Please advise this is in violation of FCRA and FDCPA. I am now asking your credit bureau for verification of method of investigation. Please advise your credit bureau agency has a 15 day window allowable to provide the method of verification according to FCRA. If not provided within 15 days this will be a violation of my rights and I will seek damages.

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 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am contacting your credit bureau agency in regards to the account XXXX XXXX. Your credit bureau has stated they have investigated and marked my report as verified/acceptable in the past, however, I have disputed several times stating the dollar amount and late payments is incorrect. Please advise this is in violation of FCRA and FDCPA. I am now asking your credit bureau for verification of method of investigation. Please advise your credit bureau agency has a 15 day window allowable to provide the method of verification according to FCRA. If not provided within 15 days this will be a violation of my rights and I will seek damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 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: CA

Complaint narrative:
I was shocked to know that my credit report has been improperly used, applications were done in my name and these companies pulled up my credit report without my consent nor authorization, Neither I recognize these fraudulent inquiries nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding 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 2024-09-29 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent account on my credit. Please remore these accounts from my report, they are hurting my ability to obtain credit. This is a violation of 15 U.S code 168i ( 5 ) removal of inaccurate invalidated credit information. 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 explanation