vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-27 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: OK

Complaint narrative:
From the start these apartments that are trying to collect money from us scammed us. They wouldnt allow us to even view the apartment before signing the lease. They put us in an apartment infested with roaches, bedbugs, and put us next door to someone who was doing/on drugs and ended up flooding our apartment. Our floors were soaked for a week. Everything was breaking and no maintenance was done and they would hardly come to spray. We felt so unsafe and feared for our lives living there. We ended up moving out earlier than our lease was for. The amount they are trying to charge us is false and frankly insane for what they put us through.

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 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
XXXX  is reporting on my credit report still after me calling about this issue. My student loans have transferred to another company, but XXXX  is still reporting on my credit report to all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: PDQ Check Exchange LC
State: UT

Complaint narrative:
I borrowed {$1500.00} and have paid Money 4 You back more than {$3000.00} in 7 months. I was having difficulty making the $ 527 monthly payments and requested to make reduced payments until I could pay the remainder of my balance and was denied. I asked XXXX during a phone call to revoke my authorization for ACH withdrawals on XX/XX/year> after there were 3 payments withdrawn via ACH when I had only agreed to one monthly withdrawal. However, they tricked me by telling me to make my payment online and then used my saved debit card information for subsequent ACH withdraws. I changed my debit card number so they wouldnt make ACH withdrawals but they used my new debit card number and continued to make ACH withdraws without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. 

Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, TransUnion has failed to adequately address and resolve the issues at hand. 

Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. 

I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. 

The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. 
The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. 

I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.

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 2024-07-27 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: TX

Complaint narrative:
I was given loan forgiveness and it's affecting my overall credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XXXX XXXX XXXX Credit Bureau Operation, has caused unwanted marketing problem by not having a paid account loan to be removed from the credit once paid. I have experienced higher debt ratio when a paid car loan remains on the credit report. This debt ratio is used to inflated the cost of the next vehicle, because of the previous vehicle paid status. Meaning that because this information is shared with the dealership it ultimately puts you in a higher car value because you paid off the vehicle. This information should not be shared with the car dealership because it creates a debt ratio trap.

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 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
XXXX XXXX XXXX Credit Bureau Operation, has caused unwanted marketing problem by not having a paid account loan to be removed from the credit once paid. I have experienced higher debt ratio when a paid car loan remains on the credit report. This debt ratio is used to inflated the cost of the next vehicle, because of the previous vehicle paid status. Meaning that because this information is shared with the dealership it ultimately puts you in a higher car value because you paid off the vehicle. This information should not be shared with the car dealership because it creates a debt ratio trap.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XXXX XXXX XXXX Credit Bureau Operation, has caused unwanted marketing problem by not having a paid account loan to be removed from the credit once paid. I have experienced higher debt ratio when a paid car loan remains on the credit report. This debt ratio is used to inflated the cost of the next vehicle, because of the previous vehicle paid status. Meaning that because this information is shared with the dealership it ultimately puts you in a higher car value because you paid off the vehicle. This information should not be shared with the car dealership because it creates a debt ratio trap.

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 2024-07-27 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: IA

Complaint narrative:
THERE ARE FRAUDULENT ACCOUNTS, INCORRECT PERSONAL INFORMATION, AND UNAUTHORIZED HARD INQUIRIES APPEARING ON MY CREDIT REPORTS AND I WANT THEM REMOVED IMMEDIATELY! THEY DO NOT BELONG TO ME! FRAUDULENT ACCOUNTS XXXX XXXX XXXX, # XXXX, date opened : XXXX, XXXX {$0.00}. 
XXXX XXXX XXXX XXXX, # XXXX, date opened : XXXX, XXXX {$56.00} UNKNOWN, UNAUTHORIZED HARD INQUIRES NAME : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX corelogic XXXX XXXX XXXX XXXX XXXX UNKNOWN AND UNAUTHORIZED ADDRESSES XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. ) XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX I certify and declare this information to be correct and true. I understand that knowingly making any false statements in this identity theft affidavit may subject me to the penalties of purjury. 
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 non-monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I used the bill pay service, which I have been doing for the last few years, to pay my real estate taxes. I completed the transaction as I have in the past at least five days prior to the deadline for the funds to arrive. I made my transaction on XX/XX/year>, online with the bill pay option. Usually when I make these payments they seem like they are being done as electronic transfers and go through the next day. I still made my arrangements five days in advance since I noticed last time I made a tax payment this way it did take a little longer, but really, as long as I am doing my part a week in advance, it shouldn't matter anyway. But this time it did. The bank asked if delivery on XX/XX/XXXX was fine and since everyone knows delivery date is not what matters, I was fine with that. Last Wednesday I received a letter from the XXXX XXXX XXXX Tax collector saying I owe {$75.00} more because my check was dated XX/XX/XXXX. I called the bank and received nothing but scripted answers, no one wanted to help and I was continually being placed on extended holds. After an hour I finally was told I would be getting a call back from the supervisor of the " manager '' I was speaking to. I was told it would be one to two business days and I am still waiting. In the meantime, I called the county to see if I could take care of this small date issue with them. I received the same treatment from them : multiple extended holds and in the end a promise of a return phone call from a supervisor. I have not gotten a call. I was told by XXXX at the XXXX XXXX XXXX Tax Collector 's office that before they were doing direct deposit but now they were actually writing checks out, this is impossible my check was written and delivered on the same day so something really fishy is going on and I do not owe them any more money. This is an ongoing problem with the customer service of big corporations in this country. Consumers are getting screwed and nickled and dimed by these companies constantly and no one is helping us. They are stealing money from consumers every day and nothing is being done about it. They have enough money do they really need to steal? And why is this being allowed to happen? Why is noone enforcing 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 2024-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: NY

Complaint narrative:
On XX/XX/XXXX, I sent XXXX XXXX  from XXXX  bank XXXX to Wise ( XXXX confirmation code is XXXX ). 

On XX/XX/XXXX, Wise sent an email confirming they received the money but a transfer must be setup in order to move the money. 

Going into their system, I can not see the money, nor any successful transaction from Wise to XXXX ( final destination ). 

It's already left my XXXX account ( transfer code XXXX from XXXX ), has not entered Wise, and certainly hasn't been transfer to its final destination, my XXXX XXXX account. 

I don't know where the XXXX XXXX  are now : - They successfully were sent from XXXX ( transaction XXXX ) - They seem to have successfully been received by Wise ( see attached email ) - Wise denies receiving the money however - Wise doesn't show XXXX XXXX  in their balance. 
- XXXX doesn't have the money. 

In other words, I'm missing XXXX XXXX  that were transferred into Wise ( indirectly confirmed by Wise themselves ) and Wise won't help me resolve this!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: FL

Complaint narrative:
I have submitted multiple disputes to equifax, XXXX XXXX XXXX  They have gone unanswered and the errors on my report are still there. I keep getting a letter back saying im not the one sending them in. I am personally sending them in so I do not understand. Please assist me and getting my credit report fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: MS

Complaint narrative:
No one is listening to my proposal to resolving my debt with CashNetUSA

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: CA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


-- INQUIRIES -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 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: NJ

Complaint narrative:
I have sent dispute requests to XXXX and Experian regarding the following account numbers : XXXX, XXXX, XXXX and XXXX. I have sent dispute requests to XXXX regarding the following account numbers : XXXX, XXXX, XXXX and XXXX The dates of these disputes are as follows : XX/XX/year> and XX/XX/year>. Despite all of these letters sent to these bureaus, there has been no dispute language on my credit report. There have also been no investigation results sent to me. It is very clear that my case has not been looked into whatsoever by any of these bureaus. Furthermore, I have received emails from Experian on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year> stating that they are refusing to investigate. I have also received emails from XXXX on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> XX/XX/year> and XX/XX/year> stating that they are refusing to investigate.

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 2024-07-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. 

Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, XXXX has failed to adequately address and resolve the issues at hand. 

Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. 

I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. 

The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. 
The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. 

I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 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: CA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


-- INQUIRIES -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-07-27 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: PA

Complaint narrative:
I am writing to delete the following information from my file. The items i deleted are listed in the report I am a big team of identity theft and i did not make the charge. I reported the theft of my identity to the federal trade commission and i also have enclosed copies of the federal tray, commission identity, theft, affidavit. please delete this items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: CA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 



Account XXXX : XXXX XXXX Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief