vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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: TX

Complaint narrative:
On XX/XX/year> XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) appeared on my report. I paid the debt and the debt collector issued me a letter to reflect the issue is closed and settled. I am in the process of closing on a home by XX/XX/year>. 
I need this collection removed IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: SC

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have consistently made timely payments on this account, never missing a due date. I'm puzzled by the reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The account was charged off on the following date XX/XX/XXXX. Since then the date of last activity has been inconsistently updated. On TransUnion the date of last activity is ( XX/XX/XXXX ) and on XXXX its ( XX/XX/XXXX ). If the information is coming from the original creditor, the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete this account XXXX XXXX XXXX XXXX XXXX XXXXXXXX from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: SC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This account with XXXX XXXXXXXX XXXX XXXX XXXXXXXX. this account was removed from my consumer report in XXXX XXXX this account reappeared on my consumer report in XX/XX/2024. 

per 15 usc 1681i -FCRA 611 ( a ) ( 5 ) ( 8 ) ( ii ) Notice to consumer that has been deleted from a consumer 's file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after reinsertion or, if authorized by the consumer for that purpose, by any means available to the agency.

I have received no such notification. This is a very serious violation of the fcra, and I reserve the right to pursue legal action for your blatant disregard for the law.

I hereby demand that this account be removed from my credit report in order to avoid legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Finance Company, Inc.
State: SC

Complaint narrative:
Today I was contacted by Professional Finance Company ( PFC ) about an XXXX XXXX Therapy debt I supposedly didn't pay. 

I was a little taken back because I have not received any validation notice of this debt and I was contacted on my cell phone through an auto-dialer, which is in direct violation of TCPA. Per CFPB rules, PFC should have sent a debt validation notice to me 5-days prior to collecting on my account to prove this debt exists. Additionally, I have not received any notification to how to dispute said debt. 

The company did mentioned that they sent the validation letter to me on XX/XX/XXXX ; however, according to my USPS inform, there was no such letter sent to my correct address, which is the one they have on file. I'm highly suspicious about this, due to the conversation and the tone of the representative who made this claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: GA

Complaint narrative:
I am writing to file a formal complaint against Experian regarding their failure to address multiple dispute letters I have submitted concerning inaccuracies in my credit report. Despite my repeated attempts to resolve these issues directly with Experian, they have consistently ignored my correspondence and failed to correct the errors in my credit report. Details of the Dispute : XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Clarify the payment status, comments, balance and account number as I think they are erroneous. If you can not prove any of the information mentioned in the past credit report data that I contested with, I demand this account be deleted from my credit report. 

XXXX : Account number : XXXX, A ChargeOff Account with Balance? Are you sure you know what you're doing? How come you keep on reporting inaccurate information on my credit file? I demand the immediate deletion of this inaccurate information. 

XXXX XXXX  Account number : XXXX, How can this account be closed and yet, it states that I am still paying on it in the monthly payment section? Once an account is closed there should be no monthly payment unless the status says now paying, was charged-off! Delete this account for inaccuracy. 

XXXX XXXX Account number : XXXX, There's no way you can update an account that I have no recollection of ever belonging to me. You need to remove this inaccurate information immediately from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> : Account number XXXX XXXX, Since I did not authorize these companies to obtain my credit report, I demand that these items are REMOVED immediately and my credit score be adjusted accordingly. I appreciate your attention to this matter.

I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that Experian complies with the Fair Credit Reporting Act ( FCRA ) requirements. I am seeking the correction of the inaccuracies in my credit report and a formal acknowledgment from Experian regarding the resolution of my dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have disputed this company regarding a fraudulent account, starting on XXXX, and after the investigations on XXXX I had results from all XXXX bureaus resulting in removal from my credit file. On XXXX This company added it again, I contacted all 3 bureaus and disputed it again, after the 2nd investigation I received the results on XXXX it was removed again on all 3 bureaus. On XXXX capital one added it again and for the 3rd time they maliciously put a negative mark on my file. I have never had a capital one account, when I contacted their fraud department I was denied access to the department that has this claim. and was told there is nothing that could be done, I have all the necessary documents on file with the bureau 's FTC report etc, at capital one I spoke with XXXX ID XXXX XXXX XXXXXXXX a Manager in fraud and dispute. it has been over 90 days and investigations by all 3 bureaus. I am making this complaint to have on Record beyond the credit bureaus, CAPITAL ONE IS MALISHOUSLY DOING THIS BECAUSE I WENT TO THE XXXX REGARDING THEM. THE LAW SAYS THEY HAVE 30 DAYS IT HAS BEEN XXXX AND XXXX INVESTIGATIONS AND CAPITAL ONE HAS NEVER PRODUCED ANY INFORMATION TO JUSTIFY THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: The CMI Group, Inc.
State: NV

Complaint narrative:
I recently submitted a complaint to CFPB regarding this issue. The company Credit management responded back for me to submit a fraud form again including where I was residing at during the time of fraud with a utility bill and a copy of my id. I submitted this form which I will include in my uploads. The company also provided me their Consumer relations number which I have left several messages with no resolve. This account does not belong to me. I have never gone by XXXX XXXX, I have never used that name in any instance. I want this account removed from my report immediately. It is a small amount {$63.00} dollars but I refuse to pay for an account that isnt mine so it can show on my credit report as a paid collection. It is totally unfair because I submitted everything they requested and Im still not getting a resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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: TX

Complaint narrative:
I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE BEEN A VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I recently reviewed my credit report and noticed an account that did not belong to me. I contacted the creditor and the credit agencies, XXXX, XXXX, and XXXX. I explained them that I was not the one to open these accounts. I sent a letter regarding these accounts ( Capital One # XXXX and another Capital One # XXXX ), which both was Charged-Off my credit report. Both accounts were opened in the same year : ( XX/XX/XXXX, and XX/XX/XXXX ). Then they were XXXX my account based on settlement I presumed on three different dates. Capital One of one account was charged off on XXXX XXXX, XXXX XX/XX/XXXX and get this XXXX in good XXXX XX/XX/XXXX. All on this account were charged off. The 2nd Capital account dates were : Transunion- XX/XX/XXXX, XXXX XXXX, and XXXX reporting in good standing XX/XX/XXXX. The 1st account was Charged-off {$3100.00} and the 2nd Capital One was charged-off for {$3600.00}. 

I filed a formal Fraudulent Account Statement notice to dispute the charge. I was made aware of identity theft when I went to file my XXXX, XXXX, and XXXX taxes, only to find out that I was a victim of identity theft and fraud. I locked all my accounts and saw items on my credit report that were not my items. The Capital One accounts are two of the few accounts that was issued without my authorization. I have been subject to identity theft which is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. I have also included a copy of my government driver 's license and a utility bill, and the IRS Identity Theft Form for the government. This has been very upsetting and difficult to handle while trying to live as an upright citizen. Thank you for your time and energy to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: MN

Complaint narrative:
I attempt to log into my student loan account and receive this message " Nelnet periodically sends emails about your student loans to provide important information. By reading this message, you agree to receive emails from Nelnet at any time. '' I do not consent to receive important information via email. There is no way to decline this. A person can not agree to something simply by reading a disclosure. This requirement needs to be removed so I can access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: IL

Complaint narrative:
I have submitted letters to all the bureaus and companies and no one it complying..I have made several attempts to resolved all the errors and matters that's inaccurately being furnish on my credit report and no changes been made

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Received notice today form Experian credit reporting agency that my score decreased by XXXX points, from XXXX to XXXX due to reducing debit on open accounts. This does not make any cense as I am reducing balances on accounts. My credit score with XXXX and XXXX is XXXX and has been maintained.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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