vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-07 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 am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the FAIR Credit Reporting ACT ( FCRA ), 15 USC 1681i ( 7 ). 

Under section 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumers dispute. 

Provide the description of the procedure of the investigation used to verify these accounts if you can't delete this account immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-03-07 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: GA

Complaint narrative:
Recently review a copy of my credit report and noticed I have fraudulent charges on my credit report please remove accounts from my report they heard 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 2024-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: GA

Complaint narrative:
On XX/XX/XXXX I used a PNC ATM at XXXX XXXX and used a XXXX XXXXXXXX debit card. ATM took it and gave all the options to deposit, withdraw, etc. I wanted to deposit money. I deposited XXXX and when the ATM was counting he money it gave me is this correct XXXX. I click yes. After ATM gave an error saying your card can not be used at this ATM. I waited and the money was not returned. Called PNC in the morning and said to contact my bank and they would contact there ATM branch. I never heard back from PNC. XXXX XXXXXXXX gave me a credit of the money, today XX/XX/XXXX the credit or dispute was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: AXOS FINANCIAL, INC.
State: OH

Complaint narrative:
I opened a money market with UFB Direct also known as Axos Bank in XX/XX/2023. I was not informed that a {$5000.00} balance was required to avoid fees. From the first month, the bank began deducting fees, and did not notify me via email, although I had provided that at account opening. When I went to do my taxes, I logged in to find my deposit severely deleted due to fees, although I had no transactions or activity with the bank. When I called in, a representative stated that the fees would be refunded and I could close the account the following day. I made a record of this call. I checked the following day, and only {$20.00} dollars was refunded. I called again, and another rep offered to refund an additional {$15.00}, but said that the bank was after hours and I could call again the following day. When I called the following day, another rep said I refused the {$15.00} dollar refund, so that would never be offered again! That is, I was being punished for refusing {$15.00}, when I had been promised a refund of all the fees. 

This bank and the way they do business and do not make fair disclosures to consumers is a total scam. They use offshore representatives and do not maintain any US offices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: NV

Complaint narrative:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for late closed, charge off and collections. I have tried numerous times to have this situation resolved with no resolutions. 
Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
It's unacceptable to see this late payment on my account, as I've always made payments on time. Please remove it and update my account accordingly.

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 2024-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2024-03-07 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: IL

Complaint narrative:
I have reviewed my credit report and found inaccurate information. I request that you help me dispute these inaccurate information I have included in the letter I attach to this complaint. The letter contains my intention to investigate each items and how I would like them to conduct investigation and provide me proof how they look into these accounts in error listed on my credit report. I have also attached my credit report for your reference to investigate. 

I have filed an FTC report with report 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 2024-03-07 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: IL

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 non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I purchased a vehicle from a place in New Jersey call XXXX XXXX They said that credit acceptance is my lender for my vehicle. The first thing they did was lie about the mileage on the vehicle. Than the car has been in the shop multiple times. I asked why isnt the interest rate going down they stated they dont do that. The loan was around XXXX. I put XXXX down and my loan was supposed to be XXXX for XXXX months. The finance charge was XXXX. So the total on the contract is XXXX. I also had the a warranty on it. Which didnt cover all that need to be fixed on the vehicle. I couldnt afford the vehicle because it was still problems with it.

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 2024-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I established a new account with Discover Financial Services in XX/XX/XXXX. I had not used this account until XXXX. When I login online to discover 's website, it is displaying a XXXX balance for this account. As of XX/XX/XXXX, they have reported me 60 days delinquent. When asked why the account shows XXXX balance, they stated I'm looking at a closed account. Nothing on the website shows it is closed. It says XXXX balance, available credit {$5500.00} and does not offer me the ability to make a payment. Then I asked why they never called me regarding the account and they stated they did not have a phone number on file for me which is not true as I have received text message notifications from them in the past. The account is paid in full and closed and this was the first payment due on the account. Discover is refusing to update the credit reporting information due to their technological issue on their website that causes it to display closed as accounts as current information. They made no attempt to reach me other than supposed snail mail that I never received. Based on how I explained this issue to them, I believe it's completely unreasonable that their software displayed a XXXX balance and I have screen shots to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: MOHELA
State: MI

Complaint narrative:
On XX/XX/XXXX, I was approved for a XXXX XXXX XXXX from the U.S. Department of Education. I had two loan servicers, XXXX and Mohela. On XX/XX/XXXX, XXXX sent a letter with all the loans that would be discharged and the amount. As of today, XX/XX/XXXX, an entire year later, Mohela still has failed to process my discharge and when I contact them I'm always given the run around about the process. In XXXX I called and was told it could take up to XXXX days to process, IT HAS BEEN OVER A YEAR!! I have also asked for a breakdown of my consolidated loans and that has not been provided. I'm always told to contact someone else. I was told to contact XXXX XXXX XXXX XXXX at XXXX-that number is not taking calls, I was told to contact Aidavantage when I informed Mohela I had no idea of who that was and never had loans consolidated through them and of course, they have no record of me. I was told to look on Federal Student Aid, twice I've informed them it is not showing my consolidated loans breakdown. I'm concerned as to how is Mohela able to service loans they are not able to provide a history for and this concerns me on if my amount is correct, how can I prove it if the servicer is not able to. I called today and once again told to do the same thing again and once I said that's already been done, I was transferred to the resolution department-I wasn't able to speak to anyone but had to confirm by phone number and expect a callback, which I really don't believe I will receive. I've even made complaints with Department of Education as well to no avail. I do not understand how one servicer can process the discharge in a couple of months and Mohela has taken over a year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
It's unacceptable to see this late payment on my account, as I've always made payments on time. Please remove it and update my account accordingly.

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 2024-03-07 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: VA

Complaint narrative:
i have a few inquiries on my credit report that do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: NV

Complaint narrative:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for late closed, charge off and collections. I have tried numerous times to have this situation resolved with no resolutions. 
Inaccurate Addresses : XXXX XXXX XXXX  XXXX, TX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; Accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX and 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 2024-03-07 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: SC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
The car os on my credit as an open loan from 2018

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am preparing this message. It has come to my attention that there have been several accounts under my name open fraudulently. My information was used to obtain financial goods and or services. The listed accounts in this report are not mine. According to 15 US Code section 1681-C-2A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as a result of alleged identity theft. Also, 15 US code 1681 section 604 alpha Section 2 states a consumer reporting agency can not furnish an account without my written instructions. The listed accounts here never should have received instructions from me, nor did they obtain permission or have my consent. No consent is identity theft. I am demanding the deletion and removal of these accounts listed in this file from my Consumer Reports 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 non-monetary relief
Consumer complaint received 2024-03-07 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: Velocity Portfolio Group
State: NY

Complaint narrative:
I sent XXXX a letter requesting they verify my account information. They responded on XX/XX/24 that the account has been sold to Velocity Investments LLC. I then asked them to provide me with my account information and how they went about verifying my account and they only referred me to Velocity Investments LLC for more information. The issue is that Velocity Investments is not reporting any account to the Credit Bureau, XXXX  is the one reporting the information to the 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 2024-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
To whom it may concern, This regards XXXX and Ally Financial, XXXX payments were made through my XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX to my loan with Ally financial electronically payed and have receipts from XXXX to prove that Ally did receive monies. 

On XXXX 2024 of amount {$420.00} On XXXX 2024 of amount {$200.00} Both payments were not shown and balance not reflected as such. 
Now in collection status. 

Thank you 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 2024-03-07 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: IL

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