vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-06 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: TX

Complaint narrative:
Please do not close this dispute as I do not accept the response To ensure that the non-creditor report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. 
I respectfully requested to be provided proof of this alleged item, specifically the original application, contract, note, or other instrument bearing my signature. The non-creditor stated they will send the requested information in the mail however I feel as this is a stall tactic on their behalf, and I believe it to be a blatant violation of the FCRA. 
In addition please provide the contract signed between XXXX XXXX XXXX XXXX XXXX XXXX XXXX notarized and sworn under penalty and perjury for XXXX XXXX XXXX ability to collect this alleged debt.

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 2024-03-06 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 2024-03-06 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 did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

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 2024-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: SIMMONS FIRST NATIONAL CORPORATION
State: AR

Complaint narrative:
I deposited a cashiers check XX/XX/year> from XXXX ( {$850.00} ) into my checking account and received a text message stating it had been deposited successfully. XXXX days later ( XX/XX/year> ) i was unable to use my XXXX XXXX or debit card. When i called Simmons they informed me that there was a fraud hold on my account due to the cashiers check. I could not log into my account, use my debit card, XXXX XXXX, and my auto payment bills are being returned. XXXX reached out to Simmons and sent over verifying information that the cashiers check is in good standing. Simmons still has the hold on the account. The bank is telling me the fraud department is outside of the bank with no way to contact them but email. On yesterday ( XX/XX/year> ) after reaching someone sympathetic to my situation, they sent out an email that resulted in me regaining access to my account and use of my debit card but the cashiers check is still on hold with no update of whats to come. I should have been notified initially! There should be better means of communication with the fraud department. What next? How long will their be a hold? Why not release the cashiers check to XXXX  so they can issue a new one?

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 2024-03-06 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: NC

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 2024-03-06 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 did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

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 2024-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
I applied for the save plan in XX/XX/XXXX, I also consolidated my loans at this time. Mohela made an error in processing and attempted to apply the save plan while the loans were being consolidated. In XX/XX/XXXX I received a save plan rejection letter due to having a {$0.00} loan balance as my loans were paid off when being consolidated. 

Mohela apologized and confirmed my save plan would, now be applied since my loans were now consolidated. 

I called back in XX/XX/XXXX, and was told that due to an error in the system, my save plan was never applied as when loans are consolidated the payment plan you select does not carry over. They instead placed me on a general plan where my monthly payment would be over {$1300.00} per month. Please bear in mind my monthly payment on the save plan would be {$0.00}. 

I was told to reapply for the save plan in XX/XX/XXXX and did so, when I called on XX/XX/XXXX. I was told due to a system error on XX/XX/XXXX, the save plan was not processed. Mohela confirmed they did not alert me that there was a system error and it took me calling back to wonder what was taking so long to find this out. I was told to leave a message with the resolutions line and was told I would be called back in 24-48 hours. I have received no phone call or communication. 

I want my save plan applied and I want all new accumulated interest between XX/XX/XXXX and XX/XX/XXXX to be waived as I have been placed in administrative forbearance during this time period due to Mohelas errors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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 send out a dispute to TransUnion, XXXX and XXXX and got results back as of XX/XX/2024. They stated that bankruptcy XXXX XXXX ref XXXX XXXX was verified and updated. I received a letter form the court recorder/court office stating they do not verify information with any credit bureaus. The credit bureaus lied and stated it was verified, but when asked for documentation could not provide, which is a violation for FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy. The recorder or courts did not verify information because they don't give information, and never verified, so I would like it deleted off 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 2024-03-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I send out a dispute to XXXX, XXXX and Equifax and got results back as of XX/XX/year>. They stated that bankruptcy XXXX XXXX ref XXXX XXXX was verified and updated. I received a letter form the court recorder/court office stating they do not verify information with any credit bureaus. The credit bureaus lied and stated it was verified, but when asked for documentation could not provide, which is a violation for FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy. The recorder or courts did not verify information because they don't give information, and never verified, so I would like it deleted off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: NJ

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My payment history reflects a pattern of punctuality, and this entry is causing me undue stress and concern.

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 2024-03-06 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:
There are XXXX XXXX accounts reporting on my Experian Credit Report : XXXX that has a balance of {$400.00} and the other account has a balance of {$75.00}. These are not my accounts can you please assist in getting them removed. I don't know where they came from. It may have been a mistake on the creditors end but all in all, please remove them.

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 2024-03-06 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 DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX AND I WON'T ALOW 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 non-monetary relief
Consumer complaint received 2024-03-06 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: TN

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

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 2024-03-06 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: TN

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

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 2024-03-06 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: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
Requesting all student loans be removed from credit report per 20 USC 1232 ( g ) ( 34 CFR 99 ) ( The Privacy Act of 1974 ( FERPA ) these laws covers all the reasons for removal. Company responded the loans was sold in 2017 so this is a certificate of indebtedness so this most be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: OH

Complaint narrative:
Requesting all student loans be removed from credit report per 20 USC 1232 ( g ) ( 34 CFR 99 ) ( The Privacy Act of 1974 ( FERPA ) these laws covers all the reasons for removal. Company responded the loans was sold in 2017 so this is a certificate of indebtedness so this most be removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: OH

Complaint narrative:
Requesting all student loans be removed from credit report per 20 USC 1232 ( g ) ( 34 CFR 99 ) ( The Privacy Act of 1974 ( FERPA ) these laws covers all the reasons for removal. Company responded the loans was sold in 2017 so this is a certificate of indebtedness so this most be removed 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 2024-03-06 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: MD

Complaint narrative:
I am writing to file a formal complaint against XXXX, Equifax, and XXXX regarding the inaccurate information on my credit report. Despite multiple attempts to address and rectify the inaccuracies, no action has been taken by the credit bureau ( s ) in question. 

The disputed items on my credit report include the following : XXXX : XXXX. The inquiry was not authorized. 
XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized. 
XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized. 
XXXX XXXX  XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. Please verify account. 
XXXX XXXX  Date of inquiry : XX/XX/year> Equifax : XXXX. The inquiry was not authorized. 
XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
XXXX : XXXX. The inquiry was not authorized XXXX XXXX XXXX  XXXX XXXX inquiry : XX/XX/year> Please remove it from my credit report. 
XXXX. The inquiry was not authorized. 
XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
XXXX. The inquiry was not authorized. 
XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 
I have made four attempts to request the credit bureau ( s ) to delete the inaccurate information through written disputes, providing supporting documentation to substantiate my claims. However, despite my efforts, there has been no resolution or corrective action taken by the credit bureau ( s ) to rectify these inaccuracies. 

I am seeking the intervention of the Consumer Financial Protection Bureau to investigate this matter and ensure that the credit bureau ( s ) comply with the Fair Credit Reporting Act ( FCRA ). I request that the inaccurate information be promptly removed from my credit report to restore the accuracy and integrity of my credit history. 

Attached with this complaint are copies of the relevant documentation, including my written disputes, supporting evidence, and any responses received from the credit bureau ( s ). 

I appreciate your prompt attention to this matter and look forward to a resolution that upholds the principles of fairness and accuracy in credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: MO

Complaint narrative:
15 U.S. Code 1681eb I reviewed my consumer reports and noticed that I have late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never late on payments for the accounts that I have included screenshots inside this complaint. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late and this account is paid in full. This company is not reporting my payments and have inaccurate dates and inaccurate reporting across the board. Please see screenshots attached :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: MO

Complaint narrative:
15 U.S. Code 1681eb I reviewed my consumer reports and noticed that I have late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never late on payments for the accounts that I have included screenshots inside this complaint. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late and this account is paid in full. This company is not reporting my payments and have inaccurate dates and inaccurate reporting across the board. Please see screenshots attached :

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 2024-03-06 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: NC

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 2024-03-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: AmeriCash Holding LLC
State: IL

Complaint narrative:
Sail Loans I took out the loan XX/XX/2024. 
I requested {$400.00} and got {$400.00}. They want me to pay {$1200.00} to payoff. 
I want to pay off the {$400.00} that they gave me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
I did filed in a complaint about a cash being taking out of my account and what I received back was a past document from XXXX and what I came to realize is that the account was closed.

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 2024-03-06 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: TX

Complaint narrative:
I, XXXX XXXX never gave XXXX or TRANSUNION, any written consent to report anything on my consumer report. I sent a dispute letter to the agency over 2 months ago regarding account XXXX and they have failed to verify this account. The company that is furnishing this information to the credit report agency has failed to validate this account. I submitted a XXXX complaint on XX/XX/XXXX which I will attach showing that XXXX responded stating that the XXXX XXXX failed to reply. The account also states that this is a collection, but there is no collection agency on the account which is another violation. I will also attach the dispute letter sent to the credit bureaus on XX/XX/XXXX which is dated, and time stamped. XXXX has since removed this account. I am requesting that the following unverified account is removed from my credit report within 10 days : 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