vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
2 problems : -Account is too old to be reported its been more than seven years since the car was voluntarily surrendered. It was brought to the dealership in XXXX XXXX California in XX/XX/2017. It is now more than seven years since the car was surrendered. 



-Account was never repossessed it was voluntarily surrendered, However company keeps sending erroneous information to XXXX XXXX which is otherwise. Also, as I stated before account is too old to be reported, its been more than seven years since the car was surrendered by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 23. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 24. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 25. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 26. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX  Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 27. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX  Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 28. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX  Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 29. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 30. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXXXXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I do not have any current loans with Department of Education/Nelnet . The balance is XXXX. It keeps showing that I owe {$130000.00} on XXXX and XXXX. Disputed with them many times but they have not removed Nelnet from my credit reports. I even called Nelnet using XXXX to verify that I do not have any balance or current student loans with Nelnet. The representative sent me a letter to verify that the balance is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have reached out to Experian numerous times about These erroneous credit Hard pulls on my credit report that are not mine and I want them deleted off of my credit report immediately! They are as Follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have these Erroneous hard credit pulls From Transunion that I have reached out about numerous times that were suppose to be off of my report and are still their I want these Erroneous things Deleted off of my credit Report immediately!! They are as follows ..... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 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: DE

Complaint narrative:
Recently i did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated inaccurate and questionable items that your agency didnt make sure was reporting 100 % correct.

In accordance with the Fair Credit Report Act, everything has to be 100 % accurate on my credit report and under 15U.S. code 1681e ( b ) and 15U.S.code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate

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 2024-01-06 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: EQUIFAX, INC.
State: DE

Complaint narrative:
Recently i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated inaccurate and questionable items that your agency didnt make sure was reporting 100 % correct. 

In accordance with the Fair Credit Report Act, everything has to be 100 % accurate on my credit report and under 15U.S. code 1681e ( b ) and 15U.S.code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: CA

Complaint narrative:
I disputed three accounts from XXXX that are being reported on XXXX, XXXX and Trans Union incorrectly. The last payment date was exactly 1 year before what is stated on my report. It's repored as XXXX and actually is XXXX. The attached documents give exact dates.

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 2024-01-06 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: CA

Complaint narrative:
I disputed three accounts from XXXX that are being reported on Equifax, XXXX and XXXX XXXX incorrectly. The last payment date was exactly 1 year before what is stated on my report. It's repored as XXXX and actually is XXXX. The attached documents give exact dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 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: NY

Complaint narrative:
Thank you for removing fraudulent items from my credit reports. Nevertheless there were still items remained to be removed from my XXXX and Equifax credit reports. The items in question were the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXXXXXX under 18 U.S.C . 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: United PanAm Financial Corp.
State: CO

Complaint narrative:
I check my credit quarterly. I pulled my credit report to check for accuracy. I noticed several inquiries that I did not authorize. I noticed these discrepancies on my report on XXXX These inquiries all took place on XXXX I did not authorize any company to run my credit at that time. I completed a FTC XXXX. Report is uploaded

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Exhibit A & B : Two letters were sent to Bank Of America, N.A requesting debt validation and informing them violating the law 15 U.S.C. 1692g - b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

Violation of the Fair Credit Act Violation of the Fair Debt Collection Practices Act Defamation of Character I have not received proof of validation of debt from Bank of America , N.A . 

Debt validation letter was sent certified mail dated XX/XX/2023. 



Along with this complaint made by the consumer, another complaint will be maid to a 3-party attorney representing Bank Of America , N.A . A notice of dispute was sent to the attorney. Attached to this complaint will be a Notice of dispute PDF file explaining the laws Bank Of America, N.A has violated as my rights as the consumer. This Notice of dispute was mail certified to the attorney representing Bank Of America , N.A .

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 2024-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
My Amex Serve account was fraudulently hacked and 8 transactions on XX/XX/XXXX {$49.00} x 2 XXXX XXXX XXXX XXXX XXXX XXXX were allowed to go through. I never received 1 text message or alert from the fraud department. I live in texas and the charges were in California. I called in disputed the charges and returned the dispute form. 

I have been given the runaround. They can't reach the fraud department by phone according to ever customer care rep. You can't speak to a supervisor. 

Per their website a provisional credit is issued within 10 business days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Resurgent is refusing to acknowledge that accounts XXXX and XXXX were opened as fraud. I did not open these accounts. A credit card statement isn't proof that I own the accounts. When these accounts were originally opened my XXXX year old son was the one that opened these accounts in my name without my knowledge. Therefore, I'm not XXXX my son. He's fixing to be XXXX and realizes the mistake he made. At the EOD I'm not responsible for these accounts nor did I ever use them cards. If I need to get an attorney I will in order to get these accounts closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX XXXX  Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX under 18 U.S.C . 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately 6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose. CAPITAL ONE/ WALMART 5 missed payments XX/XX/2020 through XX/XX/2020. Had lost my job but found a new job and caught up to everything. Have not missed a payment since.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I did not receive my right to rescind my auto loan. I did not receive the truth and lending disclosure. I was discriminated against numerous time from various financial institutions by denying me credit. I did not receive my tender back from after I paid off the account. See attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I got a letter from my college loan servicer stating on On XX/XX/2023, the Loans for my school accounts have been satisfied. The loans have been fully forgiven and I have the paperwork stating they have been forgiven. I tried getting in contact with the credit agencies but they are Ai or automated. I was unable to get in contact with the actual living people assist with removing the negative information that 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 non-monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I got a letter from my college loan servicer stating on On XX/XX/2023, the Loans for my school accounts have been satisfied. The loans have been fully forgiven and I have the paperwork stating they have been forgiven. I tried getting in contact with the credit agencies but they are Ai or automated. I was unable to get in contact with the actual living people assist with removing the negative information that inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I got a letter from my college loan servicer stating on On XX/XX/2023, the Loans for my school accounts have been satisfied. The loans have been fully forgiven and I have the paperwork stating they have been forgiven. I tried getting in contact with the credit agencies but they are Ai or automated. I was unable to get in contact with the actual living people assist with removing the negative information that 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 2024-01-06 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: NY

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : #, XXXX, Account name : #, XXXX, Account name : #, XXXX, Account name : #, XXXX, Account name : # XXXX, Account name : # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 and should be removed 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