vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-30 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: MO

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX Account Number : XXXX Please remove it from my credit report. 

10. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

11. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit 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 2023-10-30 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bridgecrest Acceptance Corporation
State: MO

Complaint narrative:
on XX/XX/XXXX I received a certified letter from Bridgecrest Acceptance Corporation from a previous complaint about this company. They continue to send partial information that was requested back on XX/XX/XXXX about this alleged debt, yet they continue to harass me using obscene and profane language claiming I owe an alleged debt to this company when I have no documentary evidence of neither mine, nor bridgecrest signature to prove this alleged claim. Pursuant to the fdcpa a contract is not sufficient proof for debt validation. I have requested that Bridgecrest validate this alleged debt and send me proper documentary evidence, but they are willfully neglecting to do so, violating the fdcpa and my cease and desist notice attempting to coerce me into paying on this fraudulent account. Per the fdcpa a debt collector has 30 days to provide all requested information from a consumer to validate any alleged debt, or they SHALL cease all attempts to collect the alleged debt. Its been over a year and I have proof that they continue to violate federal law. The paperwork that was sent to me via certified mail violates the fdcpa, as debt collectors are prohibited from sending post cards in the mail, its mail fraud and violators found guilty can spend time in prison and face civil penalties for their crimes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. 


XXXX  XXXX XXXX {$0.00} XXXX XXXXXXXX {$0.00} XXXX {$0.00} XXXX {$0.00}

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 2023-10-30 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: TN

Complaint narrative:
I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
After being a member with Wells Fargo for 29 years, I left for personal reasons due to marriage issues. I Never experienced an issue with Wells Fargo in those years! 

After a couple of years, attempted to open an account with Wells Fargo, a Savings account that would eventually create a checking account. I attempted this in the XXXX XXXX XXXX center due to my family having a long standing relationship with the bank and home prior to marriage, where my mother 's home address is located. 

The account was closed for no reason. 

I then paid a visit to the XXXX CA branch to inquire about the reason for this action. She called support and the call was given to me to address at the branch. I was informed the account had gone to the XXXX XXXX office and no other information was provided. The account was for a whapping {$300.00} dollars! 

I do not know why this is happening and request a good standing with the bank as I will not accept any negative remarks on my Banking " record '' for no reason!

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 2023-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

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 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 2023-10-30 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: NY

Complaint narrative:
I filed a complaint with the CFPB about Experian unlawfully, illegally, and without written consent from me the consumer reporting derogatory items on my credit report. I filed this complaint on XX/XX/2023. I received a response that Experian was " investigating ''. I did not request an investigation, I requested immediate deletion due to no written consent from the consumer and inaccuracy. Experian also responded that during their investigation they contacted a " data furnisher '' to verify the accuracy of the account. I am reporting Experian, this is not only illegal this is unethical and not the proper way to validate any alleged debts. I am the consumer, I am the only person that can verify the validity of an alleged debt. Experian illegally reached out to a third party in order to verify information about me the consumer and did not once reach out to me to confirm or deny the validity of these alleged accounts. Any person claiming I owe this debt without my knowledge or including me in the conversation is violating my rights to privacy as a consumer. Experian also responded that they've updated aspects of the account which is also illegal. I did not now nor ever give Experian permission to put false, inaccurate, and financially degrading information about me on their reporting platform. I also received feedback from EXPERIAN that one of the accounts that I disputed would be deleted and that account is still reporting on my credit report despite them claiming they deleted it off my report. This has effected my mental and emotional well being, in addition this is directly negatively impacting my livelihood and creditworthiness. I'm trying to resolve this amicably before bringing the courts into this because then I will be seeking {$1000.00} in damages for each violation.

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 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
On all three of my credit report for each of the credit bureaus I have a number of hard inquiries that I do not recognize. I've tried reaching out for removal and they have refused to delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I cashed my paycheck on XXXX  XXXX XX/XX/2023 @ or around XXXX. The following morning on XXXX XX/XX/2023 @ or around the hours of XXXX and XXXX I saw XXXX charges from my checking account in the amount of XXXX and all was taken through a XXXX account that's not mine or authorized by me either. Bank of America denied my claim. Now I'm late on multiple bills and on the first I won't have money for rent I haven't had groceries in 5 days I've been using my gas card to eat.

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 2023-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX my debit card was declined at the grocery store in spite of the fact I have {$2800.00} in the account. I thought there was an error with the machine. My card was declined again at the train station at XXXX. I called Bank of America on XXXX, XX/XX/XXXX and was told for the first time that my account had been closed for " business decisions. '' I asked how I could withdraw my funds and was told I can not because they've locked my account upon closure. I asked when I was notified if at all of this decision and they said they put a letter in the mail to me on XX/XX/XXXX -- the same day that they closed the account. This closure came without any notice to me and now I have no access to my checking or savings account with Bank of America. I appealed the company to unlock the funds so that I can survive, but I have been told the process takes several days and may be denied at which point my own money will be sent to me on XX/XX/XXXX. Meanwhile, the credit card I have through Bank of America will continue to accrue interest and late fees even though I have no way of settling the bill because the bank itself has frozen my assets. I have never overdrawn the account, I am in good standing, and for no reason at all, Bank of America is holding my own money 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 monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: IN

Complaint narrative:
I assumed my mortgage which was an easy process after my divorce. Freedom was actually easy to work with. I was on my original loan. However, after the assumption, Freedom no longer will allow me to access my account online. I was not informed of any of this prior. I contacted them repeatedly about it, because that is how I normally pay. But no one was able to tell me way I could not do online, util finally I XXXX  today, XXXX, and saw many angry people are having this issue since their assumptions. I am being treated like a XXXX. They are saying this is to protect my ex. I was on this loan before. I am the one who made all of the mortgage payments. Neither one of us had our SSNs on anything I had access to before so I feel like this is some kind of a weird cop out on their end. I no longer have access to my documents.

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 2023-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: PA

Complaint narrative:
Payment originally submitted to Nelnet for XX/XX/XXXX. Confirmation email received on the day of submittal, XX/XX/XXXX. Upon checking Nelnet website on XX/XX/XXXX ( and several days after that ), that payment is not appearing anywhere in history or processing payments ( Still gone as of XX/XX/XXXX ). 

To avoid past due balances ( WHICH I NOW HAVE INCURRED AS A RESULT OF THEIR SYSTEM ERRORS... ) I created another payment for that day, XX/XX/XXXX. It is now disappeared from the homepage/payment history in the same fashion ( appearing NOWHERE on their site ) and I have a past due balance. Not one payment has cleared from my bank account yet, but I am no longer comfortable submitting another payment to remove the past due balance, as I am not sure if they will all suddenly clear from my bank balance at the same time. 

I attempted to call before making the second XX/XX/XXXX payment, but was on hold for over 2 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: TX

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 explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-10-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: NH

Complaint narrative:
I provided documentation and asked that my loan balance be reviewed. I was told someone would get back to me in 14-21 days. On the XXXX day I received and email telling me that they were sorry but due to overwhelming requests they didn't know when they could get back to me. I attempted to call today. The hold time s. After 1 aid it would be 30 minutes! After 1 hour and thirty minute i gave up and wrote a letter an uploaded it along with back up documentation on Nelnet 's portal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please note that XXXX XXXX XXXX have replied via the cfpb to furnish requested information but have not done so as of XX/XX/XXXX. Macys have also not furnish requested info as well. There has been multiple request from XX/XX/XXXX to this current date XX/XX/XXXX where I have informed the companies that the accounts was established with my information without my knowledge and should be treated as fraudulent. My most recent request was in XXXX of XXXX asking for application establishment and similar information regarding the formation of the application but the company has refused, by simply stating the account is verified.

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 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: CA

Complaint narrative:
On XX/XX/ I was first offered a loan for my company for {$100000.00} by XXXX. XXXX uses XXXX for identity verification, and I was sent a contract that used the XXXX identity verification. However, it was quickly determined that my social security number was crossed with someone else 's social security number. Therefore, I could not get the loan because my identity could not be verified. I spoke to XXXX on numerous occasions, and they resent the documents at lease 20 times. However, nothing ever happened because the information is still wrong in XXXX 's system. I sent my drivers license and utility bill ; however, no help. I spoke to XXXX on numerous occasions and was told that they are pulling my social security number and information associated with it from LexisNexis. I told them their information regarding my SSN was wrong, however, I was not given any help whatsoever other than being told that there's nothing they can do even though they know my SSN is wrong in their system. I also spoke to LexisNexis regarding this problem. I sent my drivers license and utility bill ; however, their system has not been updated and I have been denied {$100000.00} loan for my business over 20 times because of this issue. 

I have tried numerous times to get both XXXX and LexisNexis to correct their databases pertaining to my social security number. However, I have received no response as to how they will correct the issue they have caused with no regard for how it has negatively affected my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I'm currently being sued by Discover Card through XXXX XXXX XXXX, XXXX in XXXX, XXXX XXXX system. This debt they are trying to collect on is a very old debt from at least 10 years ago. It's past the statute of limitations to try to collect on this debt. I never received a phone call from any collection agency on this matter.

Company response to consumer: Closed with explanation