vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-22 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: FL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 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: EdFinancial Services
State: NY

Complaint narrative:
Edfinancial student loan servicer. They failed to credit any of first 4 payments to loan principal when repayments resumed in XX/XX/2023. I am not on an interest only repayment plan. No credit towards principal in first 4 months. Last month shows a credit to principal but loan balance shows no reduction in principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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 hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.

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 2024-03-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
I took out a loan from this merchant to pay off credit card debt. I paid it off in late XX/XX/year>. Since then, they have debited over {$2500.00} from my account in various installments. When I put a stop payment on, they change the name of their company slightly and run another payment.

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 2024-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
On XX/XX/2024, one of our former tenants reached out and said he " accidentally '' sent some money over to us ( {$2000.00} ) through Zelle and asked if we could send it back to him. We first looked up Zelle 's policy to see if he could cancel the payment and then just keep our money. Zelle has it listed that transfers are not reversible. We felt safe sending him his money back since it wasn't our money and the payment couldn't be canceled. We had no idea that this individual filed a claim through their bank via Zelle. The only time we were notified that our Zelle account was impacted was on XX/XX/2024 when we received a letter from XXXX XXXX dated XX/XX/2024. We immediately called XXXX XXXX and asked about our Zelle account. It was only then that we were made aware of a claim made by someone else of fraud. The XXXX XXXX agent couldn't provide much details but only said that the transaction in question was for {$2000.00}. She did say that she saw we sent the money back to the person. She only gave us a claim number and said to keep it if we had any questions. We didn't hear anything else from XXXX XXXX or Zelle. On XX/XX/2024, we noticed a Zelle reversal credit taken out of our account. XXXX XXXX is pointing the finger at Zelle but I feel as if both companies have failed to protect our money. I was told to contact the individual who filed the claim but that person didn't authorize for money to be withdrawn from our account. It was someone from Zelle in partnership with XXXX XXXX. We did the right thing and sent the person back their funds as they requested, yet we are at a loss now and there is no urgency to rectify our {$2000.00} loss by XXXX XXXX or Zelle. We contacted XXXX XXXX on XX/XX/2024 bright and early in the morning because we can't directly contact Zelle and XXXX XXXX only sent a request to an investigator on XX/XX/2024. Today is XX/XX/2024 and no investigator has reached out to us to explain anything or provide more information. We feel like the business practices of both companies demonstrate that frivilous claims aren't thoroughly investigated. It doesn't matter if the other person filed the claim through their bank, as an agent pointed out, because we can't contact their bank or Zelle about this. Our only voice is through XXXX XXXX and so far they have been grossly negligent as far as I can tell.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inaccurate information on my credit report, specifically concerning my XXXX XXXX XXXX XXXX account. Upon reviewing my credit reports, I have identified several inaccuracies that violate the Fair Credit Reporting Act ( FCRA ). I am committed to resolving this matter amicably, but if necessary, I am prepared to escalate this issue to the attorney general of my state for further investigation. 
The inaccuracies are as follows : * XXXX XXXX XXXX, as reported to TransUnion, indicates an open account on XX/XX/XXXX, closed and paid on XX/XX/XXXX, with the last payment made on XX/XX/XXXX, and a 30-day late payment. This is misleading and inaccurate. 
* XXXX XXXX XXXXXXXX, as reported to XXXX, shows last payment on XX/XX/XXXX, a XXXX late. The account closed on XX/XX/XXXX. This information is incorrect and unfairly represents my payment history. 
* XXXX XXXX XXXXXXXX, as reported to XXXX, suggests an open account on XX/XX/XXXX, closed and paid on XX/XX/XXXX, with the last payment made on XX/XX/XXXX, accompanied by a 30-day late payment. This is inconsistent with my actual payment history.

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 2024-03-22 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: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inaccurate information on my credit report, specifically concerning my XXXX XXXX XXXXXXXX XXXX account. Upon reviewing my credit reports, I have identified several inaccuracies that violate the Fair Credit Reporting Act ( FCRA ). I am committed to resolving this matter amicably, but if necessary, I am prepared to escalate this issue to the attorney general of my state for further investigation. 
The inaccuracies are as follows : * XXXX XXXXXXXX XXXX, as reported to XXXX, indicates an open account on XX/XX/XXXX, closed and paid on XX/XX/XXXX, with the last payment made on XX/XX/XXXX, and a XXXX late payment. This is misleading and inaccurate. 
* XXXX XXXXXXXX XXXX, as reported to Equifax, shows last payment on XX/XX/XXXX, a XXXX late. The account closed on XX/XX/XXXX. This information is incorrect and unfairly represents my payment history. 
* XXXX XXXX XXXXXXXX, as reported to XXXX, suggests an open account on XX/XX/XXXX, closed and paid on XX/XX/XXXX, with the last payment made on XX/XX/XXXX, accompanied by a 30-day late payment. This is inconsistent with my actual payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 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: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inaccurate information on my credit report, specifically concerning my XXXX XXXX XXXXXXXX XXXX account. Upon reviewing my credit reports, I have identified several inaccuracies that violate the Fair Credit Reporting Act ( FCRA ). I am committed to resolving this matter amicably, but if necessary, I am prepared to escalate this issue to the attorney general of my state for further investigation. 
The inaccuracies are as follows : * XXXX XXXX XXXXXXXX, as reported to XXXX, indicates an open account on XX/XX/XXXX, closed and paid on XX/XX/XXXX, with the last payment made on XX/XX/XXXX, and a XXXX late payment. This is misleading and inaccurate. 
* XXXX XXXX XXXX, as reported to XXXX, shows last payment on XX/XX/XXXX, a XXXX late. The account closed on XX/XX/XXXX. This information is incorrect and unfairly represents my payment history. 
* XXXX XXXX XXXXXXXX, as reported to Experian, suggests an open account on XX/XX/XXXX, closed and paid on XX/XX/XXXX, with the last payment made on XX/XX/XXXX, accompanied by a 30-day late payment. This is inconsistent with my actual payment history.

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 2024-03-23 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: PA

Complaint narrative:
XX/XX/2024 I did a complaint on equifax, XXXX XXXX XXXX. Equifax responded asking to verify my identity claiming they were unable to locate a credit file in our database with the identification information I gave. I would like to send them the documents they need to verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Alorica Inc.
State: WI

Complaint narrative:
XXXX XXXX bank is showing an open account with a balance of {$6300.00} when the account should be closed. I do not have an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I went to a merchant and charged {$40.00} for dinner. The merchant charged {$200.00} without my permission. I only signed for {$40.00}. After referring the case to Wells Fargo, they refused to refund the difference in funds and allowed the merchant to steal money from me illegally without authorization.

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 2024-03-22 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: PA

Complaint narrative:
Recognized several hard inquiries that arent mine.

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 2024-03-22 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: MD

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-03-22 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: FL

Complaint narrative:
I recently received a computer generated letter stating that you would not open up an investigation of my credit reports because in your opinion the letters you received look like they were sent from a third-party credit repair agency. I believe this was part of your plan to delay the process and grant you an additional XXXX  days. I believe it to be a blatant violation of the FCRA. I have sent in a copy of my government issued ID as well as mail showing proof of address. Along with proof of the stall tactics you using on your end. You are fully aware that I have questioned the accuracy of a few items. The request was written by me and mailed by me. NOT a third-party credit repair company. You are abusing my right In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C. 1681 section 602 A. States I have the right to privacy.

Everything has to be 100 % accurate on my credit report and Under 15U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 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: FL

Complaint narrative:
I recently received a computer generated letter stating that you would not open up an investigation of my credit reports because in your opinion the letters you received look like they were sent from a third-party credit repair agency. I believe this was part of your plan to delay the process and grant you an additional XXXX  days. I believe it to be a blatant violation of the FCRA. I have sent in a copy of my government issued ID as well as mail showing proof of address. Along with proof of the stall tactics you using on your end. You are fully aware that I have questioned the accuracy of a few items. The request was written by me and mailed by me. NOT a third-party credit repair company. You are abusing my right In accordance with the Fair Credit Reporting Act, XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C. 1681 section 602 A. States I have the right to privacy.

Everything has to be 100 % accurate on my credit report and Under 15U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2024-03-23 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: TX

Complaint narrative:
Experian is violating my rights as a consumer. I have multiple occasions given them notice that they are reporting unverified, unvalidated, inaccurate, incorrect information to my credit reports, credit files, data bases, and affiliates of Experian. By continuing to report this inaccurate, unverified, unvalidated, incorrect information ; they are willfully violating my rights. 15 USC 1681 ( a ) ( 4 ) says There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. By not protecting my privacy, and choosing to not delete the requested name identification numbers XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX after written and verbal request had been received, they are in dishonor of their grave responsibilities. By choosing to ignore, and not delete ; the inaccurate, incorrect, unvalidated, unverified, incomplete information that is reporting on my files. They have had opportunities to remedy these issues and have refused to act. 

I previously requested on this information be deleted on XXXX / XXXX / XXXX by letter XXXX / XXXX / XXXX by letter XXXX / XXXX / XXXX by phone, spoke with supervisor XXXX / XXXX / XXXX by letter The documents I have attached to this complaint prove that I have previously disputed this information. Before and after the results of these request the inaccurate information is still reporting and is still currently reporting. 

Credit Report # XXXX is after speaking with supervisor on XXXX / XXXX / XXXX Name Identification Numbers still Reporting XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX Credit Report # XXXX on XXXX / XXXX / XXXX after dispute results Name Identification Numbers still Reporting 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 2024-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Theres some unauthorized hard inquiries on my credit report that I dont recognize. I never made any inquiries with those businesses. They did not get my permission to look at my credit. The credit bureaus violated my right and shared my credit information with those businesses. I contact the credit bureaus to try to dispute it, but they were not willing to help me. They violated the 15 U.S. Code 1679c - Disclosures

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 2024-03-22 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:
Theres some unauthorized hard inquiries on my credit report that I dont recognize. I never made any inquiries with those businesses. They did not get my permission to look at my credit. The credit bureaus violated my right and shared my credit information with those businesses. I contact the credit bureaus to try to dispute it, but they were not willing to help me. They violated the 15 U.S. Code 1679c - Disclosures

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: CA

Complaint narrative:
These accounts were charged off on the following date XXXX XXXX XXXX. This account is also being updated as a collection on my report as if the account is still open from XX/XX/XXXX - XX/XX/XXXX and reporting a balance of {$230.00} and {$490.00} when the account should be XXXX due to the account being a collection account. The account status is also stats that its open with XXXX and TRANSUNION but stats closed with XXXX which is also inaccurate. NONE of the information under my report matches. All the information on this account which is inaccurate and a violation According to XXXX XXXX Transunion XXXX, XXXX, XXXX, and TRANSUNION are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX TRANSUNION Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief