vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-29 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: TX

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$730.00}XX/XX/XXXXXXXX Balance Owed : {$6200.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX Balance Owed : {$3700.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX Balance 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 explanation
Consumer complaint received 2023-11-29 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: GA

Complaint narrative:
The stress and disappointment I'm experiencing due to the developments in my credit report are overwhelming.

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 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX *** XXXX Owed : {$6800.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$7100.00} XXXX XXXX XXXX Balance Owed : {$6700.00}

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 2023-11-29 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: TX

Complaint narrative:
Hello, I have tried to log into XXXX but continue to get an error message. However, I am able to pull up my free credit report from Equifax. After making a payment of {$10000.00} to my loan servicer ( formerly XXXX ) in XXXX, I monitored my credit for changes. I didn't see any changes that concerned me. After a refund was requested on the {$10000.00} payment to XXXX ( formerly XXXX ), my loan servicer, in XX/XX/XXXX XXXX my once Excellent credit score dropped about XXXX points ( formerly XXXX but it used to be higher however the credit health function on the XXXX XXXX website does not let me view beyond 1 year ). While XXXX XXXX had a note that this was due to a balance increase, I was never provided documentation from either XXXX or Equifax detailing why it dropped so much upon request. From my understanding, the payment history has the highest impact and I have never missed a payment according to my credit report ( see attachment ). I reviewed my financial history and credit report and I have reason to believe that my loan servicer did not provide accurate information to Equifax or XXXX which resulted in a drastic decrease to my XXXX score. As of XXXX of XXXX, my loans have been paid in full and this is still not reflected in my recent credit report and my credit score has never returned to what it was before. I would like to request an investigation or a detailed explanation as to why, without a history of missed payments, my credit score has decreased drastically. I understand the balance increase after the refund was requested, but from my understanding, a balance increase only temporarily decreases your XXXX score and is not considered as high impact as missed payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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 had applied for Public Service Loan Forgiveness the end of last year. I got notified that my loans had been forgiven and less than a month later I got an email saying that there was a vendor error and my loans were not forgiven. I had started my payments in XX/XX/XXXX and continued XXXX when the pandemic hit. I had made extra money toward the principal. I always checked the box. 
When the new servicer took over none of my old records were on the new site. I was always checking the site to see if anything was different or changed. I checked and finally something that looked like records from the old servicer was there and I copied them. They are not in my new account. I went to my Credit Union and got my records for the last 7 years because I paid my loans online. I was not able to reconcile with my bank statements with the so called old loan servicer. For me this is a red flag. I can get a loan from my credit union and be able to pay this off. Many of my friends who asked about this said don't it just yet. My interest rate will be much lower then what I am paying now. I only borrowed {$36000.00} and after XXXX  years of payments and I still owe {$22000.00} for me this is a huge problem. The math for me doesn't work. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

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 2023-11-29 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: FL

Complaint narrative:
On XX/XX/XXXX I filed disputes with XXXXXXXX XXXX XXXX and XXXX XXXX through transunion 's online portal. On XX/XX/XXXX the disputes were finalized and the report from transunion indicated the the disputed items were deleted from my credit report. I reviewed my credit report to only find out that although the investigation report came back as deleted from my credit report, the above 2 items still remained on my credit report. On XX/XX/XXXX I called transunion and informed the customer service rep. that the items that were stated " deleted from your credit report '' were still showing on my credit profile. The rep. advised me that she was going to escalate the call to a different department, but they were closed on weekends and would call me on Monday, I did not get a call on Monday XX/XX/XXXXXXXX I called back on a few occasions and no one was able to help me. I called back today XX/XX/XXXX and the rep told me that he couldn't figure out why the items were still showing on my credit profile because the investigation shows the items should have been deleted. He also told me that I should file another dispute to delete the items again. I asked him why should I file another dispute when the investigation came back stating the items were deleted, he could not give me an answer. I have included the investigation report showing the items were supposed to be deleted and also the front page of my credit report showing the items are still on my profile. 

TransUnion 's contact information TransUnion XXXX XXXX. XXXX XXXX XXXX, PA XXXX By Phone : ( 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 2023-11-29 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: TX

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.u.s.u. 1681. 
Account Name... ..XXXX XXXX XXXXXXXX ... Account # XXXX Account Name ... XXXX  ... Account # XXXX ... Account Name.XXXX XXXX XXXX XXXX... Account # XXXX ... Account Name.. XXXXXXXX XXXX XXXX Account # XXXX ... Account Name... XXXX XXXX Account # XXXX ... Account Name ... Dept of ed/XXXX  ... Account # XXXX ... 
Account Name ... Dept of ed/ XXXX .... Account # XXXX .... Account Name... XXXX of edXXXX XXXX .... Account # XXXX ... # XXXX .... Account Name... XXXX XXXX .... Account # XXXX .... Account Name... XXXX, XXXX .... Account # XXXX ... 
Account Name... XXXX XXXX XXXX... Accoun # XXXX Account Name .... XXXX XXXX... Account # XXXX ... .. Account Name ... XXXX  .... Account Name... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
15 u.s.c 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions...

15 u.s.c 1681 C. ( 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 than seven years..

15 u.s.c 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 non-monetary relief
Consumer complaint received 2023-11-29 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act Experian along with XXXX XXXX XXXX XXXX XXXX  # XXXX has violated my rights. 

15 USC 1681 section C-2. States that any information that is a result of identity theft be blocked within 4 days of receipt 15 USC 1681 section 602 A. States I have a right to privacy 15 USC 1681 section 611 States there must be verified accuracy 15 USC 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instruction 15 USC 1681 a q 3. States identity theft means fraud committed using the identity information of another person

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 2023-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
Hello, I am reaching out regarding PayPal Inc . I once was an account holder with this company until recently. The month of XX/XX/ my account was permanently limited, by the automated system per the details provided to me by the company call center representatives. I currently have funds still in my account and per the company I must wait 180 days to access what is rightfully mine. I am seeking help to get the company to release my funds to my back immediately due to me not having the means to allow anyone or any company to hold my money without permitted access. I am currently experiencing financial hardships which my {$750.00} would make a huge difference to me and my family right now. I can't wait 180 days to access my money, for any company to expect that this is acceptable is absurd. I have spoken with the proper channels within the company and was advised there was nothing they could do to over-ride the system autogenerated decisions. There are not any outstanding claims or anything on my account and I have properly verified my identity numerous of times. I am in desperate need of my money and would appreciate to have access to it. I am not pleased with the decision that PayPal no longer doing business with me, but what can I do. To say I would appreciate my money today is an absolute understatement. Please help me. I am a single mother of XXXX and XXXX is around the corner and my children deserves to be happy on that day just like everyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: TX

Complaint narrative:
I sent a letter last XX/XX/ to remove the listed items below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block these items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. The following items are listed below : XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX XXXXXXXXBalance : {$480.00}

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 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a letter last XX/XX/ to remove the listed items below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block these items not later than XXXX business days. Ive already included this in my previous complaint & I am including it again. The following items are listed below : XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$120.00} XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX XXXX XXXXXXXXBalance : {$480.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was a victim of Equifax data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I had a problem with XXXX XXXX for denying me for getting a second pledge loan in my name. Now my credit score dropped for inaccurate credit reporting.

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 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I had a problem with XXXX XXXX for denying me for getting a second pledge loan in my name. Now my credit score dropped for inaccurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
I have called this customer service line at least 10 times. I have been trying to use this ( {$50.00} USD ) gift card for a year, and it will not work. It is declined every time. 
I have called multiple numbers, been told the card would start working if I waited 24 hours, now the menus have changed and I can't even get an agent, it just hangs up on me. I asked to have them send me a check and they refused. This company is an outright scam ( amexgiftcard.com ) and they are basically stealing money by making the cards impossible to use.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the accuracy of information on my credit report. I recently obtained a copy of my credit report and was dismayed to discover that there are inaccuracies present that are adversely affecting my creditworthiness. The specific concern pertains to the reporting of late accounts, which I believe are incorrect and unjustly tarnishing my credit history. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have diligently reviewed my financial records, and I can confidently state that the reported late payments are erroneous. I have always strived to meet my financial obligations promptly, and any deviation from this commitment is a genuine mistake. I request your immediate attention to rectify this situation and ensure that my credit report accurately reflects my credit history. 
I have previously submitted a dispute regarding these late payments, but it appears that my concerns have not been adequately addressed. This oversight is both frustrating and disheartening, as the inaccurate information continues to have a detrimental impact on my creditworthiness. I am seeking your assistance to promptly investigate and correct these discrepancies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute the reporting of a fraudulent account on my credit report, which is only being reported by your bureau. After carefully reviewing my credit reports from other bureaus, it has come to my attention that this specific fraudulent account is not reflected in their reports. 
XXXX XXXX XXXX XXXX XXXX DELETE!!!! 
I am perplexed and concerned about the inconsistency in reporting, as it suggests an error on your part or, worse, a potential security breach. Given that the fraudulent account is not being reported by other credit bureaus, I strongly believe there is an issue specific to your reporting system. 
I have taken the necessary steps to address this matter with the other credit bureaus, and they have not listed the fraudulent account on my credit report. It is evident that this account is a result of fraudulent activity, and it is essential to rectify this situation promptly. 
I understand that it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. I request an immediate and thorough investigation into why this fraudulent account is uniquely present on your credit report and not on reports from other reputable bureaus.

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 2023-11-29 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: TX

Complaint narrative:
Identity theft report # XXXX lists the following fraudulent accounts I found on my TransUnion consumer report : XXXXXXXX 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