vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 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: LA

Complaint narrative:
I Looked at my report and noticed some things are incomplete and not accurate .According to fair credit reporting act Whenever consumer reporting agency prepares consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I sent a letter asking them to reinvestigate these accounts listed below because PERSONAL INFORMATION- XXXX ) EMPLOYMENT- NOT XXXX XXXX, NOT XXXX XXXX ) ADDRESS-NOT XXXX XXXX, NOT XXXX XXXX XXXX XXXX ) NAME-NOT SINGLETON ACCOUNTS XXXX ) XXXX XXXX-CLOSED OPENED XX/XX/XXXX XXXX ) XXXX XXXX CHARGE OFF XXXX ) XXXX XXXX XXXX XXXX ) XXXX OPENED XX/XX/XXXX CLOSED XXXX ) XXXX XXXX XXXX OPENED XX/XX/XXXX CLOSED XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX CLOSED XXXX ) XXXX XXXX XXXX OPENED XX/XX/XXXX CLOSED XXXX ) XXXX XXXX XXXX  OPENED XX/XX/XXXX CLOSED XXXX ) XXXX XXXX CAN U LOOK INTO THIS MATTER

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 2025-01-12 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XX/XX/XXXX2019 NATIONAL CREDIT SYSTEM XXXX {$3100.00} XX/XX/XXXX2024 15 U.S.C, 1681section 602 A. States I have the right to privacy. 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 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 
NAMES NOT RECOGNIZED XXXX XXXX XXXX TELEPHONE NUMBERS NOT RECOGNIZED XXXX, XXXX, XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, OH XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U. S. C, 1681s-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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$3100.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 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 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 
NAMES NOT RECOGNIZED XXXX XXXX XXXX TELEPHONE NUMBERS NOT RECOGNIZED XXXX, XXXX, XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, OH XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U. S. C, 1681s-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 explanation
Consumer complaint received 2025-01-12 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: IL

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach.Other reviewing my credit reports I notice some accounts i am not familiar with I have ask the the CRA for validation of debt, however the information has not been provide Due to my information being exposed.I have submitted a FTC complaint reporting the information i am not familiar with. 

Please find attached a copy of my ID.The FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and a Validation of debt Letter

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 2025-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XX/XX/2024 XXXX disputed because of inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: TN

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX not refute my complaint by stating that I filed this by some other means than myself. There is no XXXX  party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I went into there branch and made a deposit into my account and after i saw the deposit slip i asked the teller why she didnt give me a partial credit like i always get then i asked to speak to a manager when manager arrived i told that i have been a client of wells fargo since 1996 and that i have latley espacialy when i moved my office to this banks area a decline in service she got very rude and i did the same the fallowing week or XXXX i went in tried to make a deposit was seen by a gentelman called XXXX as he was taking the deposit she left here office and came did not look at the computer and said she cant take the deposit because my account is being closed i went outside called loss prevention and was helped by a very kind lady that said no she has to take the deposit beccause accout will not be closed till the XXXX of XXXX i asked here to stay with me on the phone because i knew i will have issue with on the i walked in she came out of here office again and i told here i have loss prevantion on the phone and that say i can make the deposit and asked if she wanted to talk to them she said took her phone out of her pocket and called and came back after XXXX min and instructed XXXX to take deposit Please not she keept refering to me as XXXX XXXX even though i told here XXXX  times to call by my name which to here was XXXX  XXXX after that i got a call from a lady that she will look at it and she will try to help me keep the accounts open but friday i recived and email an email telling me that she didnt find anything wrong and that they will move forward with the closer

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 2025-01-12 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: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted. Please delete the following : XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX  XXXX Open Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX 2023

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 2025-01-12 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: FL

Complaint narrative:
list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 XXXXXXXX XXXX XXXX  XXXX, FL, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 XXXXXXXX, FL, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL, 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 2025-01-13 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: IL

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit file under the Fair Credit Reporting Act ( FCRA ) and XXXX guidelines. Below are the details of the account in question : Creditor Name : XXXX  XXXX Account Number : XXXX Report Date : [ Date from credit report, e.g., XX/XX/year> ]

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 2025-01-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: GA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding a longstanding issue with my student loan account managed by Sallie Mae, which stems from an error made by my university between XXXX and XXXX. Despite my repeated efforts to resolve the issue, both Sallie Mae and my university have failed to take the necessary steps to correct it, leaving me with an unjust financial burden. 

Details of the Issue The Error : During my XXXX XXXX XXXX  XXXX XXXX  Alabama from XXXX to XXXX, I was incorrectly classified as an out-of-state XXXX despite being an in-state resident. This error significantly increased the tuition  amount used to calculate my XXXX XXXX. 

Universitys Actions : In XXXX, my university acknowledged their mistake and corrected my classification to in-state status on their records. However, they failed to notify Sallie Mae of the error, and my loan amounts were not adjusted accordingly. 

My Efforts to Resolve : Since discovering this issue, I have : Contacted my university multiple times to request that they inform Sallie Mae of their error. Reached out to Sallie Mae to explain the situation and request a correction. 
Provided supporting documentation showing my in-state status and the university 's acknowledgment of the error. Despite these efforts, no resolution has been achieved. Sallie Mae has not adjusted the loan amounts, and my university has not communicated the necessary information to them. 
Impact of the Issue This error has resulted in : Significantly inflated loan amounts that I would not have incurred had I been correctly classified as an in-state student. 
Accumulated interest on these incorrect loan amounts over the past several years. 
Severe financial hardship, as I am struggling to make payments on loans I should not owe. 
Resolution Requested I request the following actions : That Sallie Mae work with my university to verify the error and adjust my loan amounts to reflect in-state tuition. 
That any accrued interest on the incorrect loan amounts be waived. 
That my university be required to contact Sallie Mae to formally correct the records. 
I have been trying to resolve this issue since XXXX without success. This situation has caused undue stress and financial hardship, and I am seeking the CFPBs assistance to ensure that both Sallie Mae and my university take the necessary steps to correct their errors. 

Thank you for your attention to this matter. I am happy to provide any additional documentation or information you may need. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: NJ

Complaint narrative:
I sent a notice of dispute to XXXX  on XX/XX/XXXX that I have not received a response to as of XX/XX/XXXX which is past the XXXX  day threshold and a violation of the FCRA. I disputed the inaccurate reporting of a late payment on my consumer report for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX  alleged that I failed to make the minimum payment of {$25.00} on my credit card. This information is incorrect and constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Please see attachment for further details.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I would like XXXX  XXXX bank to remove the late payments off my credit report from dates of XX/XX/year> to current date. Due to me being on medical leave since XX/XX/year>.

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 2025-01-13 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: CITIBANK, N.A.
State: PA

Complaint narrative:
Violation of 15 USC code 1681b ( 2 ) by Failing to Keep Creditor Information Private.

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 2025-01-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Violation of 15 USC code 1681b ( 2 ) by Failing to Keep Creditor Information Private.

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 2025-01-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to file a formal complaint against Experian regarding their lack of response and action on my repeated requests to investigate fraudulent inquiries on my credit report. Despite mailing my concerns to Experian over two months ago and following up with a second letter, I have yet to receive any acknowledgment or response from them.

The lack of communication and failure to act on this matter is unfair to me as a consumer. Fraudulent inquiries negatively impact my creditworthiness and financial well-being, and I rely on Experian, as a credit bureau , to protect the integrity of my credit report.

Here is what has happened : 1. Timeline of Events : Over two months ago, I identified fraudulent inquiries on my credit report.

I sent a formal letter to Experian requesting an investigation and removal of these inquiries.

After not receiving a response, I sent a second letter to Experian as a follow-up.

To date, I have not received any communication, confirmation, or update from Experian regarding my complaint or investigation status.

2. My Complaint : Experian has failed to fulfill its obligation to investigate disputed items on my credit report in a timely and transparent manner, as required under the Fair Credit Reporting Act ( FCRA ).

This lack of action is causing unnecessary harm to my credit and peace of mind.

3. What I Am Requesting : I ask the CFPB to ensure that Experian conducts a thorough investigation into the fraudulent inquiries on my credit report.

I request that Experian remove or reverse these fraudulent inquiries immediately if they are found to be invalid.

I also ask that Experian communicates with me throughout the investigation process and provides a written resolution within a reasonable time frame.

As a consumer, I expect transparency, fairness, and prompt resolution of credit reporting disputes. I am requesting your assistance in ensuring that Experian complies with its legal obligations and that my credit report accurately reflects legitimate activity.

Thank you for your time and attention to this matter. I am confident that the CFPB will act to ensure that my rights as a consumer are protected.

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 2025-01-13 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: WA

Complaint narrative:
Ive submitted documents showing the account status is closed, to take the comments of pending litigation off the consumer statement section and the balance is {$0.00}. They have not updated my credit with it showing paid and closed, nor deleted the consumer statement. I uploaded XXXX documents from DSHS WA showing the account closure and the release of lien along with the updated balance history showing {$0.00} and litigation is complete.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Ive submitted documents showing the account status is closed, to take the comments of pending litigation off the consumer statement section and the balance is {$0.00}. They have not updated my credit with it showing paid and closed, nor deleted the consumer statement. I uploaded XXXX documents from DSHS WA showing the account closure and the release of lien along with the updated balance history showing {$0.00} and litigation is complete.

Company response to consumer: Closed with explanation