vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-14 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: IL

Complaint narrative:
I began dispute number XXXX for a collections account on Experian named XXXX XXXX twice recently. The most recent was on XX/XX/XXXX. Both of the results came back as accurate. The original debtor is XXXX, which is no longer in business. Actually, I tried to file a complaint in XXXX via CFPB when the debt initially went into collections. It was forwarded to because CFPB was not able to contact XXXX. It was forwarded to FTC, then closed. I had to file another complaint via CFPB for XXXX because this debt came back from another collections agency and it was removed. The second time it appeared on my credit, XXXX verified the account as accurate.They did not provide the basis for the accuracy especially since they removed it previously. It was removed again. This account appeared on my credit for a third time and was removed. Now, it is on my credit from XXXX XXXX. On XX/XX/XXXX, wrote them explaining the aforementioned prior to it appearing on my credit and the collections appeared on my credit anyway. On XX/XX/XXXX, I wrote a complaint to XXXX XXXX ( with delivery confirmation ) requesting for the original bill and contact information for XXXX for to forward my complaint directly to them. If they can not provide this information, I requested to remove this account and cease communication. I am awaiting a response. Experian did not provide the basis of what deemed this account as 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 non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 


XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
During Covid I reached out requesting payment assistance, deferment or hardship. Schools were closed no real work for substitutes. I had Involuntary Unemployment Insurance with One Main.. I acquired when I secured the loan. I was told it was required. Found out later that wasnt the truth. During Covid the insurance paid my Loan for only a year. Even though Covid was a rare event and I was unemployed for nearly XXXX years. It took that long to secure a job that would help me afford shelter and food. One Main also continues to say my loan is Charged Off for over {$4000.00} plus dollars. Thats not true. I entered into an agreement with One Main on XX/XX/XXXX. I have upheld my part of the deal. I have paid {$320.00} or more on or before the XXXX XXXX of each month. The Settlement Amount {$1900.00}. My final payment on XX/XX/XXXX will be {$240.00}. One Main has pulled a Bait and Switch or Sleight of Hand. I received a letter on XXXX XXXX requesting {$2100.00}. I like the rest of the country a trying to recover Mentally and Financially from Covid. I agreed to pay what I could afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: IL

Complaint narrative:
Mailed letters on XX/XX/2023 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Mercury Technologies, Inc.
State: CA

Complaint narrative:
Mercury Bank closed our business checking account on XX/XX/XXXX for business XXXX On XX/XX/XXXX they issued a check for the funds that were held in the account which we never received. The check was XXXX ) sent to the wrong address and never delivered XXXX ) addressed to an old business name. 

We have reached out to Mercury support 5 times to have the check reissued and they've continuously directed us to the compliance team. The compliance team only sends us templated emails and refuses to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
I did not sign promissory note that the student loan servicer has on file. Section682.402 ( e ) ( 1 ) ( I ) ( B ) Program regulations provide that XXXX  XXXX benefits are payable to holder of the loan where the lender obtained a legally enforceable promissory note to enforce the loan. 
All promissory note that are done electronically must have a consent for electronic signature with the documents in order to make them legal in lieu of a wet signature. 
The signature itself must contain the consent code for the type of consent used. The document contains neither and the signature itself was clearly done without consent as it does not have the consent code. 
I have a copy of the Authoritative document which shows the electronic document was altered long after the note was signed. 
I am asking for a copy of the original un-altered promissory note with the electronic consent. 
The note supplied is already been proven altered plus a number of legal shortcomings not mentioned above that makes it un-enforceable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: MD

Complaint narrative:
Kindly eliminate these queries. I lack any information on this matter, and the company acted without my approval.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: NJ

Complaint narrative:
As per the Fair Credit Reporting Act, the account XXXX XXXX has violated my constitutionally safeguarded consumer rights to privacy and confidentiality as outlined in the Fair Credit Reporting Act and 15 U.S.Code 1681. 

I contacted XXXX and Equifax to initiate a reinvestigation of these accounts : Account name : XXXX XXXX XXXX XXXX XXXXXXXX. Nevertheless, they affirmed that everything was complete, accurate and updated. How is that possible if the high balance, date reported, date opened, account rating, account status, creditor remarks, payment history are all inaccurate and incomplete? 

As per the provisions according to 15 USC 1681, Procedure in case of disputed accuracy ( 5 ) ( A ) ( i ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
( g ), if the completeness or accuracy of any item of information contained in a consumers 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 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 XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

According to 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is prohibited for an individual to provide any consumer-related information to a consumer reporting agency if they are aware or have reasonable grounds to believe that the information is incorrect.As per the Fair Credit Reporting Act. The account XXXX XXXX has violated my constitutionally safeguarded consumer rights to privacy and confidentiality as outlined in the Fair Credit Reporting Act and 15 U.S.Code 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: FREEDOM FINANCIAL NETWORK
State: TX

Complaint narrative:
I used a debt consolidation company from an advertisement that I got in the mail to reduce my credit card debt named " Freedom Debt Relief ''. 

I paid them {$2800.00}. They charged me more in FEES ( {$1400.00} ) then actual reduction in my debt ( {$1400.00} ). I cancelled my account with them on XX/XX/XXXX after starting on XX/XX/XXXX. 

They charged me {$1300.00} in XXXX legal fees in the amount of {$960.00} ( XX/XX/XXXX ) and {$370.00} ( XX/XX/XXXX ). They were " Settlement Fees '' which I DID NOT agree to before the charges. I found out only after the payment plan was settled. 

In addition to the {$1300.00} in legal fees, they charged me a total of {$100.00} in monthly fees ( which I was never informed of when I signed up to their program ). After 8 months of being ripped off, I cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX : XXXX Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : 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 2024-03-14 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 am a victim of identity theft please remove this fraud inquiry 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 explanation
Consumer complaint received 2024-03-14 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: TN

Complaint narrative:
I Must express my deep dissatisfaction with the continued negligence displayed by your company in addressing the inaccuracies present on my personal credit profile below.

According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified with out the original document supporting the verified account.

It is also my understanding that under the FRCA 15 U.S.C 1681i, every single one even each any or all of the unproven, non-complaint, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely Deleted.

The following derogatory accounts allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise NOT PROVEN COMPLIANT to regulatory Federal reporting laws and or standards and MUST be removed immediately the infractions are as follows : Address : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX Violation : FRCA XXXX Accounts : XXXX XXXX XXXX XXXX Violation : FRCA XXXX XXXX XXXX XXXX XXXX Violation : FRCA XXXX XXXX XXXX XXXX XXXX Violation : FRCA USC1681 Collections : XXXX XXXX XXXX XXXX Violation : FRCA USC1692 XXXX XXXX XXXXXXXX Violation XXXX XXXX XXXX XXXX XXXX Adjust XXXX Violation : FRCA USC1692 By the provisions of the FRCA ACT and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 Compliance regulations, I demand thatches above mentioned derogatory items be investigated and permanently REMOVED FROM CREDIT REPORT.

Despite my numerous letters requesting a thorough investigation and removal of such misleading information, it appears that my concerns have fallen on on deaf ears. it is important for you to understand that by law your required to take immediate action upon receipt of such request. Your persistent refusal to comply with the legal mandate forces me to escalating the matter and pursue legal action against your organization. Rest, assured, I awfully prepared to take all necessary steps to rectify this situation and uphold my rights as a consumer. I urge you to take this matter seriously and promptly address the issues at hand. I have submit dispute documents regarding Negative, incorrect, and outdated information. I Value my credit integrity greatly and fully intend to exercise my rights under the FCRA to the furthest extent. I expect a prompt and satisfactory response from you at your earliest convenience. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: TN

Complaint narrative:
I Must express my deep dissatisfaction with the continued negligence displayed by your company in addressing the inaccuracies present on my personal credit profile below. 
According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified with out the original document supporting the verified account.

It is also my understanding that under the FRCA 15 U.S.C 1681i, every single one even each any or all of the unproven, non-complaint, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely Deleted. 

The following derogatory accounts allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise NOT PROVEN COMPLIANT to regulatory Federal reporting laws and or standards and MUST be removed immediately the infractions are as follows : Address : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX Violation : FRCA USC1681 Accounts : XXXX XXXX XXXX XXXX Violation : FRCA USC1681 XXXX XXXX XXXX XXXX Violation : FRCA USC1681 XXXX XXXX XXXX XXXX Violation : FRCA USC1681 Collections : XXXX XXXX XXXX XXXX Violation : FRCA USC1692 Consumer Collection XXXX Violation : FRCA USC1692 XXXX XXXX Adjust XXXX Violation : FRCA USC1692 By the provisions of the FRCA ACT and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 Compliance regulations, I demand thatches above mentioned derogatory items be investigated and permanently REMOVED FROM CREDIT REPORT. 

Despite my numerous letters requesting a thorough investigation and removal of such misleading information, it appears that my concerns have fallen on on deaf ears. it is important for you to understand that by law your required to take immediate action upon receipt of such request. Your persistent refusal to comply with the legal mandate forces me to escalating the matter and pursue legal action against your organization. Rest, assured, I awfully prepared to take all necessary steps to rectify this situation and uphold my rights as a consumer. I urge you to take this matter seriously and promptly address the issues at hand. I have submit dispute documents regarding Negative, incorrect, and outdated information. I Value my credit integrity greatly and fully intend to exercise my rights under the FCRA to the furthest extent. I expect a prompt and satisfactory response from you at your earliest convenience. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I did not give consent for these inquiries and firmly suspect they are fraudulent. I request a comprehensive investigation and swift removal 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 2024-03-14 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I was pre-approved for a Home Depot consumer credit card in the amount of {$2000.00}. I was told to call Citibank for more information. I called them at XXXX. Was told yes I have been approved. 

Fast forward to today, XX/XX/24, enter Home Depot and they can not find my information. After waiting on hold, I was told I was approved for {$1000.00}. 

I looked up the phone number and its a known scam.

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 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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