vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I keep receiving a bill from my XXXX account. The account is ending with XXXX. The current balance as of XX/XX/ is {$450.00} and minimum payment due is {$260.00}. I have no idea where it came from. XXXX XXXX XXXX keeps sending me a bill which I have not authorized and charging me an excessive amount of interest every month. This is not acceptable. It ruins my credit score. The transaction is a fraudulent activity done by someone else. I have not purchased any items using XXXX. Please contact the XXXXXXXX XXXX XXXX XXXXXXXX XXXX to fix this issue and recover my credit score as soon as possible. 

I am a person with higher education degree and certificate. I studied at XXXX XXXX and XXXXXXXX XXXX. I only pay for what I have purchased. Thank you for your help. 

Best, 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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I keep receiving a bill from my XXXX account. The account is ending with XXXX. The current balance as of XX/XX/2023 is {$450.00} and minimum payment due is {$260.00}. I have no idea where it came from. XXXX XXXX XXXX keeps sending me a bill which I have not authorized and charging me an excessive amount of interest every month. This is not acceptable. It ruins my credit score. The transaction is a fraudulent activity done by someone else. I have not purchased any items using XXXX. Please contact the XXXX XXXX  XXXX XXXX XXXX to fix this issue and recover my credit score as soon as possible. 

I am a person with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I only pay for what I have purchased. Thank you for your help. 

Best, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I keep receiving a bill from my XXXX account. The account is ending with XXXX. The current balance as of XX/XX/2023 is {$450.00} and minimum payment due is {$260.00}. I have no idea where it came from. XXXX XXXX XXXX XXXX XXXX me a bill which I have not authorized and charging me an excessive amount of interest every month. This is not acceptable. It ruins my credit score. The transaction is a fraudulent activity done by someone else. I have not purchased any items using XXXX. Please contact the XXXX XXXX  XXXX XXXX XXXX to fix this issue and recover my credit score as soon as possible. 

I am a person with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I only pay for what I have purchased. Thank you for your help. 

Best, 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 2023-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX  Balance {$500.00} Balance updated XX/XX/2023 XXXX XXXX XXXX Balance {$140.00} Balance updated XX/XX/2023 my indentity was stolen from a wallet at airport XXXX years ago with my social security card, birth certificate and identification cards

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 2023-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: UT

Complaint narrative:
The original Federal loans taken out were before XXXX at the XXXX XXXX XXXX At some time the loans were consolidated without my knowledge and/or deceptively to extend the loans amount. I have over paid Navient by several thousands of dollars, the exact amount I am attempting to determine. I have been paying these loans for more than 20 years and, according to the federal government correspondence, these loans should have been forgiven in XXXX. Navient will not provide any specific details on the history of the loans or the total amount paid. I only have received general information and they are also harassing after only pausing my payments because I have no confidence that these loans are legal or are being handled properly, to date I have only missing the monthly payment for XXXX resulting in harassing phone calls on every day, including Sunday and as late as XXXX. I did open a previous case, but I believe this case needs to be addressed with a greater attention to detail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Unauthorized Hard inquiries have been showing up on my bureau reports without my written authorization. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX are all companies that I did not authorize to pull a hard inquiry from the credit bureaus. The pre-qualifications were said to be 'soft inquiries '. There were no actual applications authorized and promises of no reporting were made verbally over the phone for XXXX XXXX XXXX. I do not have recollection of who the other XXXX companies are that are reporting : XXXX XXXX XXXX XXXX XXXX are reporting on Equifax during/after the FTC reported Equifax breach XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OH

Complaint narrative:
I sent in my XXXX month for PSLF recertification on XX/XX/XXXX. It has still not been processed as of XX/XX/XXXX. I have sent at least XXXX emails, XXXX and XXXX with no response. I talked with a representative on XXXX who told me I had to make the last payment. She could not tell me why the recertification has not been processed. She said it could take 3 months to process that and then 3 months to dismiss the loan. I had to keep paying until that happened and then wait at least XXXX more months to get reimbursed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
XXXX XXXX XXXX chargeoff payment plan Amount owed not accurate car not worth it & eraneous errors & I Neva gave anybody permission sell my acct to 3rd party

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: NJ

Complaint narrative:
the credit bureaus refuse to remove outdated addresses

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 2023-10-24 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: CA

Complaint narrative:
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 these items. Your failure to positively verify these accounts and inquiries 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 explanation
Consumer complaint received 2023-10-24 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: AR

Complaint narrative:
I am writing to formally complain about the ongoing issue of an unresolved late open account on my credit report. This is my second attempt to address and rectify this matter, as the issue persists and continues to negatively impact my credit history, causing significant financial harm and distress. 

I would like to provide a brief summary of my previous attempts and the current situation : I initially discovered the late open account on my credit report. I promptly initiated a dispute with your credit reporting agency, providing all the necessary evidence to show that this account was inaccurately reported as late. 

After my initial dispute, I patiently awaited a resolution but received no satisfactory response. Despite the dispute, the late open account still remains on my credit report, adversely affecting my creditworthiness. 

Following my previous attempt, I have made a concerted effort to re-dispute and correct this account. I have contacted your agency, provided additional supporting documentation, and communicated with the creditor involved. However, the issue remains unresolved. 

This ongoing situation has caused me significant financial hardship and emotional distress. I have diligently followed all dispute procedures and expected a timely and accurate resolution of my credit history. 

I kindly request that you take immediate action to thoroughly investigate and correct this late open account on my credit report. I urge you to rectify this matter promptly, as it is imperative for my financial well-being and peace of mind. 

I am well aware of my rights under the Fair Credit Reporting Act and other applicable laws, and I am prepared to take further legal action to protect my rights and interests if this issue remains unresolved. I am asking for your assistance to correct the late open account : 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 2023-10-24 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: NC

Complaint narrative:
XXXX XXXX XXXX Balance {$500.00} Balance updated XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$140.00} Balance updated XX/XX/2023 my indentity was stolen from a wallet at airport two years ago with my social security card, birth certificate and identification cards

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: NY

Complaint narrative:
Experian is violating my right to privacy. They have updated my account with the name of my private trust. I did not consent to this update. Remove my trust information immediately. My trust is a private separate entity with its own ein. It is not a consumer, nor is my trust involved in any credit transactions.

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 2023-10-24 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: FL

Complaint narrative:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report. this has been an ongoing issue that needs to be reviewed. all information listed is reported illegally an is fraudulently reported on my credit report. ive listed all data that needs to be removed. please review the listed items to properly delete an remove all information listed on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 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: MO

Complaint narrative:
I am writing to formally complain about the ongoing issue of an unresolved charge-off account on my credit report. Despite numerous attempts to dispute and remove this account, it continues to negatively impact my credit history, causing significant financial harm and distress. 

I would like to provide a summary of my efforts to address this matter : I first discovered the presence of the charge-off account on my credit report. Subsequently, I immediately initiated disputes with your credit reporting agency, providing evidence that this account was inaccurately reported. 

Over the course of several months, I have made multiple attempts to dispute and remove this charge-off account. I have followed all required dispute procedures, provided requested documentation, and communicated with the creditor associated with this account to rectify the issue. 

Regrettably, despite my unwavering commitment to resolving this matter, the charge-off account remains on my credit report, adversely affecting my creditworthiness and causing me financial distress. It has not been removed, updated, or adequately investigated by your agency or the creditor. 

These unresolved issues on my credit report have caused me significant financial hardship and emotional distress. I have followed the proper dispute procedures and expected a timely and accurate resolution of my credit history. 

I kindly request that you take immediate action to thoroughly investigate and remove this charge-off account from my credit report. Furthermore, I ask for a written response outlining the steps your organization will take to rectify this matter and prevent future inaccuracies on credit reports. 

I am fully aware of my rights under the Fair Credit Reporting Act and other applicable laws, and I will not hesitate to take legal action to protect my rights and interests if this issue remains unresolved. I am asking for your immediate assistance to remove this charge off account in Experian, 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 2023-10-24 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: CA

Complaint narrative:
I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. This is one of my numerous request to you to correct this in writing. The several attempts by phone were never successful either, as you out source to XXXX and they promise corrections that never happen. I tried numerous times to get my statements from you, but never received them. I reviewed my credit report and that I saw that you have recently began to report me late on this accounts. I also stated that I have previous credit reports from the above mentioned agencies that reflect my account accurately, as paid on time. I explained that I was I never late on this account, and I never received notice as required by the FCRA that you were going to report negative information to my credit file. Furthermore, I stated that I immediately disputed the late payment to the bureaus and that they said you verified the lates to them. As of the date of this letter I have not received a response to my request. Why are you ignoring me? I will not just forget about it. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 2023-10-24 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: CA

Complaint narrative:
I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. This is one of my numerous request to you to correct this in writing. The several attempts by phone were never successful either, as you out source to XXXX and they promise corrections that never happen. I tried numerous times to get my statements from you, but never received them. I reviewed my credit report and that I saw that you have recently began to report me late on this accounts. I also stated that I have previous credit reports from the above mentioned agencies that reflect my account accurately, as paid on time. I explained that I was I never late on this account, and I never received notice as required by the FCRA that you were going to report negative information to my credit file. Furthermore, I stated that I immediately disputed the late payment to the bureaus and that they said you verified the lates to them. As of the date of this letter I have not received a response to my request. Why are you ignoring me? I will not just forget about it. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 2023-10-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
**SECOND DISPUTE** This dispute is a follow up to my previous communication regarding the inaccuracies on my credit report, I received a response from BANK OF AMERICA XXXX XX/XX/2023. Regrettably, the response provided is alarmingly general, and the lack of specific details indicates that a thorough investigation was not conducted. The ( ATTACHED ) reply essentially confirms the accuracy of the reported account information without addressing the concerns I raised. 

It is imperative to note that the inaccuracies in my credit report have far-reaching consequences. Not only do these inaccuracies impact my credit score and financial standing, but they also have a damaging effect on my reputation and hinder my ability to access credit. The inaccuracies essentially constitute a form of defamation of character, as they unfairly tarnish my financial reputation. Such consequences are in direct violation of the spirit of fair and accurate credit reporting. 

Furthermore, the failure to conduct a comprehensive and good faith investigation is not in compliance with the legal obligations set forth under the Tennessee Consumer Protection Act ( Tenn. Code 66-28-516 ), which prohibits deceptive or unfair practices in trade and commerce that adversely affect the public interest. 

Given the gravity of the situation and the implications for my financial and personal well-being, it is imperative that Bank of America conducts a thorough and diligent investigation into the inaccuracies in my credit report. Failing to do so may necessitate further legal action to rectify the harm inflicted upon my financial and personal well-being.

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