vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm deeply troubled by the presence of this late payment on my account, as I've consistently made on-time payments. It's causing me significant distress, and I urgently request that you rectify this error by removing it from my account.

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 2024-02-06 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: NY

Complaint narrative:
I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative.

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 2024-02-06 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: FL

Complaint narrative:
Upon checking on my credit report, I spotted some unauthorized and fraudulent inquiries that need reporting and correction through your company.

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: TX

Complaint narrative:
I am reaching out to follow up on the dispute I previously submitted regarding the negative accounts appearing on my credit report. Despite my efforts to address these discrepancies, I have yet to receive a satisfactory resolution to 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 non-monetary relief
Consumer complaint received 2024-02-06 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:
I need to submit the complaint again under my name because Tranunion sent a letter asking my wife to get a notarized letter to them showing she is handling my affairs. We tried calling them. They put us on hold then transferred us 3 times. The first person said the account was " locked '' and he had no idea what the letter was about. This appears to be some sort of stall tactic by Transunion. The night we submitted the complaint we were having computer problems with CFPB 's site so we submitted the complaint under my wife 's account. Now that I have my own account I am resubmitting the complaint so Transunion can deal directly with me. It's impossible to speak with anyone there on the phone so I have to submit my complaint again. Litigation for fraud filed against XXXX approx 6 months ago. Around this time XXXX XXXX refused a phone payment stating account holder " is in litigation ''. Then XXXX XXXX stopped sending the customary paper statements that account holder received monthly using those to make payments. Account Holder could no longer access account online. Account hold has never signed up for auto pay or paperless billing with XXXX XXXX. Account Holder requested several times a copy of statement and asked for account status in past 6 months calling in to XXXX 's customer service line. XXXX never informed of any account status or balance and never sent statements. XXXX XXXX has reported account holder30, 60 and 90 days late to TransUnion and account holder believes XXXX XXXX and Transunion violated regulation F as well as FRCA because account holder has never received statements informing of these delinquencies nor ever gotten any verbal communication from XXXX XXXX in an attempt to collect a debt. This has caused much emotional distress and financial distress to the account holder. Transunion has been made aware of the situation and continues to report the delinquency.

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 2024-02-06 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estopper by silence, Englehardt v Gravens ( mo ) 281 SW 715, 719 1 presume that no proof of the alleged debt, nor therefore any such debt debt, in fact therefore exists. 

XXXX XXXX XXXXXXXX opened XX/XX/XXXX {$9900.00} XXXX  XXXX XXXX opened XX/XX/XXXX {$6200.00} XXXXXXXX XXXX XXXX XXXX opened XX/XX/XXXX {$2800.00} XXXX XXXXXXXX XXXX XXXXXXXX opened XX/XX/XXXX {$1200.00} XXXXXXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX {$1000.00} XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX opened XX/XX/XXXX {$7700.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX {$31000.00}

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 2024-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I bank with Wells Fargo. Have two addresses on file. Paperless.

Wells Fargo closed my bank account with no notice, did not notify me until four days after closing- via email. I was aware of it by then as I keep all money in one account and log in daily. 

Account closed XX/XX/year> - I have spoken to 5 people on the phone and gone into two branches to gain access to the funds. All have said it is not possible to issue my money to me in person. That a cashier 's check must be mailed. No one has been able to verify where the check was mailed or on what day but that this will be up to 15 business days from XX/XX/XXXX ( three days after account was closed and access to my money was removed ) before the check arrives. 

I travel most of the year and bank online and the check will be mailed to an address across the country that I will not have access to for three and a half more months.

They said the best they could do is if I haven't not gotten the check in my possession in 15 business days, to call them. They were unable to offer information on what they could do at that time. 

This is all of my money. 

Thank you.

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I'm deeply troubled by the presence of this late payment on my account, as I've consistently made on-time payments. It's causing me significant distress, and I urgently request that you rectify this error by removing it from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am reaching out to follow up on the dispute I previously submitted regarding the negative accounts appearing on my credit report. Despite my efforts to address these discrepancies, I have yet to receive a satisfactory resolution to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am reaching out to follow up on the dispute I previously submitted regarding the negative accounts appearing on my credit report. Despite my efforts to address these discrepancies, I have yet to receive a satisfactory resolution to 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 non-monetary relief
Consumer complaint received 2024-02-06 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estopper by silence, Englehardt v Gravens ( mo ) 281 SW 715, 719 1 presume that no proof of the alleged debt, nor therefore any such debt debt, in fact therefore exists. 

XXXX XXXX XXXXXXXX opened XX/XX/XXXX {$9900.00} XXXX  XXXX XXXX opened XX/XX/XXXX {$6200.00} XXXXXXXX XXXX XXXXXXXX XXXX opened XX/XX/XXXX {$2800.00} XXXX XXXX XXXX XXXX opened XX/XX/XXXX {$1200.00} XXXXXXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX {$1000.00} XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX opened XX/XX/XXXX {$7700.00} XXXX XXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX {$31000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estopper by silence, Englehardt v Gravens ( mo ) 281 SW 715, 719 1 presume that no proof of the alleged debt, nor therefore any such debt debt, in fact therefore exists. 

XXXX XXXX XXXXXXXX opened XX/XX/XXXXXXXX  {$9900.00} XXXX  XXXX XXXX opened XX/XX/XXXX {$6200.00} XXXX XXXX XXXX  XXXX opened XX/XX/XXXX {$2800.00} XXXX XXXXXXXX XXXX XXXXXXXX opened XX/XX/XXXX {$1200.00} XXXXXXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX {$1000.00} XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX opened XX/XX/XXXXXXXX  {$7700.00} XXXXXXXX XXXX XXXX XXXX XXXX opened XXXX XXXX XXXX {$31000.00}

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 2024-02-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Grain Technology, Inc.
State: OH

Complaint narrative:
I continue to have issues with this company each month when it comes to making payments. They have the worst payment platform known to man. Each month I have to send them and email to advice a I can not make a payment and the option is blanked out. I am told every time to delete the app and reinstall. They have confirmed issues with their app and IOS which clearly remain unresolved. I was recently asked to send them my checking account info so they could add it back ti my account. They confirmed the checking acct and did two small deposits to confirm the checking was valid. I sent them confirmation of the deposits. I later tried confirming on the app the deposit amounts and received an error. I went them a screenshot and was notified they would be removing my checking acct. this is the second account they have removed. I was told again to uninstall the app and try to add my checking acct. I sent them proof that I could not do this. Their app would not allow and has the option blanked out. I continued to get the same emails. They have not resolved any issues. Theyve removed my checking acct twice now and reported me past due now twice. They also did not respond to the Ohio AG regarding these issues. They continue to collect fees and interest knowing their system does not work. This is a scam, this is fraud. They need to be held accountable. I have asked them to update my credit bureau reports for prior report due to their system issues and they have refused. They will have a class action lawsuit in a few years I am sure but I need this resolved now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: LEXISNEXIS
State: IL

Complaint narrative:
Lexis Nexis shared my personal information without my consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NJ

Complaint narrative:
I have been trying for over 2 years to get my student loan forgiveness resolved, I owe about {$14000.00} dollars and have applied to the PSLF and TEPSLF with all the required information. Mohela shows that I have made over 150 payments with no issues and that I qualify. I have been in the same school district ( XXXX XXXX XXXX in XXXX XXXX NJ ) for over 14 years and qualify for the debt forgiveness. They are only recording XXXX payments, and when I call the PSLF and Mohela, they both see that I made the correct number of payment and get pushed back to the ( From Mohela to PSLF, and from PSLF to Mohela ) to resolve the issue. I event went back to XXXX to get my old records and submitted them, but was told that they need it directly from the lender. I have spent countless hours on hold speaking to various people I continually resubmit and am being told that I will have a response in 15 days, only to wait to + months to get an email saying that they are reviewing my case. This has been going on for close to 3 years and I do not understand what the delay is. I have documented emails and paperwork showing that I made 150 continuous payments and more than qualify to get this small debt forgiven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Marking 30 complaints as duplicate does nothing but show this fraudulent crooked company will cheat anybody and try there best not to fix the problem SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-02-06 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: FL

Complaint narrative:
I never gave any written consent to furnish any private information to any corporation. 
As of XXXX XXXX XXXX  has reported an account to my credit report of {$8100.00} with zero consent from myself. 
Account # XXXX They have violated my rights and have humilated me in front of friends, family and work place. 
My credit went from XXXX to XXXX in the matter of a month do to this fraudulent activity. 
I can not apply for any of my own credit do to this fraudulent activity. 
I exercise my rights using the federal codes and demand these accounts be removed from my report immediately. 
15 US Code 1681c 15 US Code 1692

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 2024-02-06 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: FL

Complaint narrative:
I never gave any written consent to furnish any private information to any corporation. 
As of XXXX XXXX XXXXXXXX has reported an account to my credit report of {$8100.00} with zero consent from myself. 
Account # XXXX They have violated my rights and have humilated me in front of friends, family and work place. 
My credit went from XXXX to XXXX in the matter of a month do to this fraudulent activity. 
I can not apply for any of my own credit do to this fraudulent activity. 
I exercise my rights using the federal codes and demand these accounts be removed from my report immediately. 
15 US Code 1681c 15 US Code 1692

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: OH

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
on XX/XX/23 I reached out to CFPB about LVNV FundingXXXX Resurgent Capital attempting to collect a debt from me. When I requested validation of the debt LVNV/Resurgent capital provided bank statements which is does not constitute validation of a debt. In response to my CFPB complaint, LVNV Funding/Resurgent Capital provided a FAKE bill of sale. This bill of sale has no identifying information. It does not identify me, any addresses, any account number, any accounting, the description of the item sold, what was agreed or what was paid for, it shows nothing, and CFPB immediately closed my complaint citing LVNV/Resurgent capital responded. It is the duty of the CFPB to protect the consumer of unfair deceptive or abusive practices and take action against companies that break the law. This practice is deceptive and constitutes fraud! LVNV/Resurgent capital has continued to pursue me in regards to this debt and is still reporting this debt on my credit report although they still have not provided validation of the alleged debt or any legal proof that they have a right to collection on this debt!

Company response to consumer: Closed with explanation