vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Solar Mosaic LLC
State: FL

Complaint narrative:
I am writing to dispute the inaccurate reporting of my credit accounts by XXXX. Despite sending payoff letters to XXXX for both XXXX, XXXX, and Solar Mosaic, my credit report continues to show balances for these accounts. Both accounts have been paid in full for over two months now. 

XXXX representatives have informed me that XXXX, XXXX, and Solar Mosaic have not closed the accounts on their end. This inaccurate reporting is severely impacting my ability to establish more credit. Reports continue to show high balances, leading to denials despite paying off these amounts. 

Additionally, I have received the most recent dispute letter from XXXX, indicating that the creditor agreed that these balances were accurate and that I did not pay off the accounts. This information is incorrect, as I have indeed settled both accounts in full. 

I demand that XXXX, XXXX, and Solar Mosaic be promptly contacted to rectify this error. Failure to do so will result in my pursuit of legal action, including seeking the assistance of a credit attorney and filing a lawsuit. These inaccuracies are preventing me from obtaining additional credit and are hindering my financial goals. 

I have attached the payoff amounts from all companies below. In addition, XXXX and XXXX are reporting this account as paid in full and closed except for XXXX. 

Attached are the payoff letters from all companies as evidence of the accounts being settled. I expect immediate action to ensure that these accounts are reported as closed on my credit report. 

Your urgent attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am writing to dispute the inaccurate reporting of my credit accounts by XXXX. Despite sending payoff letters to XXXX for both XXXX, XXXX, and XXXX XXXX, my credit report continues to show balances for these accounts. Both accounts have been paid in full for over two months now. 

XXXX representatives have informed me that XXXX, XXXX, and XXXX XXXX have not closed the accounts on their end. This inaccurate reporting is severely impacting my ability to establish more credit. Reports continue to show high balances, leading to denials despite paying off these amounts. 

Additionally, I have received the most recent dispute letter from XXXX, indicating that the creditor agreed that these balances were accurate and that I did not pay off the accounts. This information is incorrect, as I have indeed settled both accounts in full. 

I demand that XXXX, XXXX, and XXXX XXXX be promptly contacted to rectify this error. Failure to do so will result in my pursuit of legal action, including seeking the assistance of a credit attorney and filing a lawsuit. These inaccuracies are preventing me from obtaining additional credit and are hindering my financial goals. 

I have attached the payoff amounts from all companies below. In addition, XXXX and XXXX are reporting this account as paid in full and closed except for XXXX. 

Attached are the payoff letters from all companies as evidence of the accounts being settled. I expect immediate action to ensure that these accounts are reported as closed on my credit report. 

Your urgent 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 2024-05-04 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: VA

Complaint narrative:
I kindly request the immediate removal of this inquiry from my credit report, as it is not associated with me, and I have no affiliation with the involved creditors.

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 2024-05-04 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: IN

Complaint narrative:
RE : FINAL APPEAL TO REMOVE DISPUTED ACCOUNTXXXX. 
TO WHOM IT MAY CONCERN, I DID NOT DISPUTED MY PERSONAL INFORMATION, MY NAME, MY TELEPHONE NUMBER, OR PUBLIC RECORDS AS TRANSUNION HAS STATED. I HAD PREVIOUSLY DISPUTED XXXX  FOR THE 8TH TIME AND CONTINUE TO REQUEST A COPY OF THE REINVESTIGATION PROCESS UNDERTAKEN BY TRANSUNION, AS ALLOWED UNDER THE FCRA. HOWEVER, TO DATE, I HAVE NOT RECEIVED THE REQUESTED INFORMATION, NOR ANY RESOLUTION REGARDING XXXX. AS TRANSUNION IS AWARE, THE FCRA GRANTS CONSUMERS THE ABSOLUTE RIGHT TO REQUEST INFORMATION ABOUT THE REINVESTIGATION UNDERTAKEN BY TRANSUNION WHEN HANDLING DISPUTES. THIS PROVISION IS ESSENTIAL IN ENSURING A FAIR AND ACCURATE REPORTING OF CREDIT INFORMATION. UNFORTUNATELY, THE LACK OF RESPONSE TO MANY OF MY PREVIOUS REQUESTS HAS ME LEFT WITHOUT A CLEAR UNDERSTANDING OF HOW THE REINVESTIGATION PROCESS WAS CONDUCTED. SINCE I HAVE NOT RECEIVED ANY DOCUMENTATION FROM TRANSUNION, BY STATE AND FEDERAL LAW, THE DISPUTED ACCOUNT SHALL BE REMOVED. THE DOCUMENTATION IS CRUCIAL IN EVALUATING THE ACCURACY AND LEGITIMACY OF THE REPORTED ACCOUNT. IT IS IMPERATIVE THAT THIS ISSUE BE RESOLVE PROMPTLY TO ENSURE THE FAIRNESS AND INTEGRITY OF MY CREDIT REPORT. FAILURE TO CONTINUALLY NOT COMPLYING WITH THE LEGAL OBLIGATIONS WILL RESULT IN LIABILITY UNDER THE FCRA. I EXPECT A PROMPT RESPONSE OF THE REMOVAL OF XXXX IMMEDIATELY BASED ON FAILURE TO MEET THE CRITERIA FOR REPORTING. I DID NOT REQUEST ANY REINVESTIGATION INTO THIS MATTER. I REQUESTED THE REMOVAL OF XXXX UNDER THE FCRA. 
SINCERELY, 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 2024-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
Early Warning XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear sir, I have received two envelopes which had the documents prepared the same day, XX/XX/XXXX. At first, for the document inquiring on the exact record, I do not have the name of the record. As what I have received from your company is private and I have already sent to the headquarters of XXXX XXXXXXXX XXXX, CFPB, other banks, and other necessary organizations, I do not feel the necessity to check again with your company. You have mentioned earlier how to retrieve the similar document on banking of XXXX XXXX ; however, I have not received the instruction on it. Also, I have opened the link which you have provided to me, XXXX XXXX XXXX.earlywarning.com ; however, as I have mentioned much earlier I can not log into this page because I do not remember my username, so you need to tell me how to recover the username to log into. I have asked you already several times, but I have not received the answer ; therefore, your company also need the improvement of customer service ; especially you might need to realize the name of this page XXXX XXXX might recall the global hacking occurred last year, XXXX, for certain customers, such as those works in the universities who were affected. 
Next, you prepared the documents regarding the XXXX XXXX XXXXXXXX accounts ending XXXX ( ID XXXX ), XXXX ( ID XXXX ), and XXXX ( ID XXXX ). Since I have already sent the necessary documents to the banks which have the questionable matters and have not received yet, except one bank which I disputed myself, I believe it is better to wait the XXXX XXXX XXXXXXXX will answer after some examination and consideration ; therefore, I will not ask anything, even though I will send this mail to the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX which your company suggested. I prefer not to call the number of this branch, XXXX, since reputation is not so favorable by searching it online. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: PA

Complaint narrative:
XXXX XXXX I filed a 1099 C with the IRS ( cancellation of debt ) in regards of my student loans ( which is now under a new company ) I received my Copy B from the IRS. I uploaded the legal documents in my Nelnet account under documents, called into the XXXX XXXX Department, spoke to customer service which then was acknowledge that those legal documents was seen and uploaded to the correct file. I then proceed to ask to record the current phone call and to send in a ticket which a ticket number was then produced. Under the Securities Exchange Act of 1933 I have the right and duty to lawfully discharge all debt ( s ). Under Nelnets XXXX current filings, their Commissions file number XXXX Nelnet, Inc ( the exact name of the specified in its charter ) XXXX irs employer identification number. 
I also am currently receiving statements for payments which Under UCC 3-603/ 3-604- I have proper endorsed the bond and sent it to the proper address and addressed to the Indenture trustee and the Trustee which is also located on Nelnets XXXX and XXXX filings on the SEC website. ( with my proper endorsement and signature on this bond this is now turned into an securities and is currently being traded onto the secondary market.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX and loaded {$20.00} onto it and I paid for it with cash and left the store. Later that day I checked the website on the back of the card and I entered my card details and it said my card was activated with {$20.00} of balance on it. I attempted to make online purchases with the card, trying multiple merchants but none of them would accept it. I called the number on the back for customer service and I got on the line with some guy who spoke XXXX English and had a thick accent, he wasnt any help and he asked for my social security number and thats when I hung up. I did some research and I found online other accounts of people having the same problem of their not working online or in store. All of these problems with cards from XXXX and its parent company InComm.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I never lived at the address that fair collection is trying to collect a debt from XXXXXXXX XXXX XXXXXXXX Capital One bank is reporting an incorrect balance of {$470.00} XXXX XXXX is showing a incorrect balance of {$520.00} And XXXX  XXXX  is also reporting a inaccurate balance os {$740.00} All these accounts are in litigation please have them delete these accounts 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 2024-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a XXXX XXXX credit card with Chase. It is set up for automated payments ( full balance ) every month on the due date of XXXX of the month. On XX/XX/XXXX ( due date ), the automated payment did not go through due to NSF in my bank account. My bank ( XXXX ) informed me that a payment failed. I went into the Chase app to make the payment, but it said " pending '' AND showed a XXXX balance due! On XX/XX/XXXX, Chase tried again and successfully took the money owed. Consequently, for the " late '' payment, they charged me $ XXXX in interest, which they did not email/notify me about. They also did not take the {$110.00} payment through the automated setup. Now, in my XXXX statement, they charged me $ XXXX of interest fees, because there was an " outstanding balance '' on the account. Now, to be clear, after speaking to a couple of people ( including a supervisor ), they have reversed the charges so this is more about what needs to change : There are many things wrong here that need to be fixed : XXXX. They should inform me about the interest charge and give me the opportunity to pay it right away. They email and text for *every* transaction I make, but omit letting me know about the interest fee? 
XXXX. I called them and asked to move my automated payment date to 4 days before the due date ( to avoid such a situation in the future ) and they said that they have no way of doing that. If I set an automated payment through them for the full balance, I can do it ONLY FOR THE DUE DATE. This causes a snowballing of interest and late fees in an event of a failed payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 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: GA

Complaint narrative:
PLEASE BLOCKED AND REMOVED It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely 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 2024-05-04 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: GA

Complaint narrative:
PLEASE BLOCKED AND REMOVED It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely 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 2024-05-04 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: MI

Complaint narrative:
Having become a student of consumer law in the last couple years, i pulled Transunion, XXXX and XXXX credit reports in XX/XX/2024 for the consumer to see what information they contained and to check for discrepancies. This is when promotional inquiries were discovered without authorization violating the privacy of the consumer. Transunion is currently the only reporting agency in violation. Transunion was sent, via certified mail, a Notice of Violation in the form of a letter. Applicaple law was referenced in said letter whereas Transunion had 10 days to respond. As of the filing of this complaint, the 10 days has expired with no answer from Transunion or tender of applicable penalties/fines. Uploaded with this complaint is a copy of the Notice of Violation with all violation dates and law this complaint relies on. A copy of the invoice sent to Transunion with all applicable fines/penalties pursuant to the law. A copy of the pages from the consumers credit report showing the promotional inquiries and a copy of proof of delivery of the above documents to Transunion via certified mail.

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 2024-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: OH

Complaint narrative:
Company is calling repeatedly and more than the 7 times allowed by law to collect a debt. Discover had called at least 10 times within the past seven days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-04 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: IN

Complaint narrative:
have contacted all companies : XXXX, TransUnion, and XXXX, and expressed my request for them to remove the inquiries. However, I was informed that they would do so, but they never have. 

They furnished my consumer reports to different companies without a permissible purpose, as per 15 USC 1681b ( 2 ), or knowingly without a legitimate business reason pursuant to 15 U.S.C 1681b ( a ) ( 3 ) ( F ) ( i ).

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681b ( a ) ( 3 ) ( F ) ( i ), for unlawfully furnishing my consumer report on different dates without my authorization or a permissible purpose under the 15 USC 1681b ( 2 ) Fair Credit Reporting Act ( FCRA ) and its guidelines for permissible purpose.

A person shall not use or obtain a consumer report for any purpose unless : The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 
The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ). 
I have been added in several data breaches : Data breaches : Review the data potentially exposed in XXXX breaches : XXXX XXXX XXXX XXXX Subscriber Data Reported XX/XX/XXXX XXXX XXXX  Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX Not Disclosed Reported XX/XX/XXXX XXXX Email List Reported XX/XX/XXXX Not Disclosed Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX 2019

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 2024-05-04 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: FL

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 XXXX, has violated my rights. 
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 explanation
Consumer complaint received 2024-05-04 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: IN

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-04 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: VA

Complaint narrative:
I kindly request the immediate removal of this inquiry from my credit report, as it is not associated with me, and I have no affiliation with the involved creditors.

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 2024-05-04 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: VA

Complaint narrative:
I kindly request the immediate removal of this inquiry from my credit report, as it is not associated with me, and I have no affiliation with the involved creditors.

Company response to consumer: Closed with explanation