vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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: MA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-04-17 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: CT

Complaint narrative:
I just checked again my TransUnion, XXXX and XXXX credit reports and I can see accounts reporting inaccurately. Please see attached file below

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 2024-04-17 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: CT

Complaint narrative:
I just checked again my XXXX, Experian and XXXX credit reports and I can see accounts reporting inaccurately. Please see attached file below

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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I ONLY WANTED MY CORRECT NAME AND ADDRESS TO BE LISTED HAVE OTHER NAMES REMOVED 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 2024-04-17 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:
I am writing to file a formal complaint regarding the unauthorized disclosure of my personal information, which violates the Family Educational Rights and Privacy Act ( FERPA ) and 20 USC 1232g ( b ). Despite the legal protection afforded to my personal information under these regulations, my information has been disclosed without my written consent.

I wish to emphasize that I have never provided written consent to the XXXX XXXX XXXX or any credit agencies to furnish my personal information. This breach of privacy has caused me significant distress and concern for the security of my personal data.

I am hereby requesting that you conduct a thorough investigation into the matter and provide documentation demonstrating that you have obtained my explicit written consent as required by FERPA and 20 USC 1232g ( b ). If you are unable to provide such documentation, I demand the immediate removal of the disputed information from 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 2024-04-17 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 regarding the unauthorized disclosure of my personal information, which violates the Family Educational Rights and Privacy Act ( FERPA ) and 20 USC 1232g ( b ). Despite the legal protection afforded to my personal information under these regulations, my information has been disclosed without my written consent. 

I wish to emphasize that I have never provided written consent to the XXXX XXXX XXXX or any credit agencies to furnish my personal information. This breach of privacy has caused me significant distress and concern for the security of my personal data. 

I am hereby requesting that you conduct a thorough investigation into the matter and provide documentation demonstrating that you have obtained my explicit written consent as required by FERPA and 20 USC 1232g ( b ). If you are unable to provide such documentation, I demand the immediate removal of the disputed information from 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 2024-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
The lady from their attorney office that I spoke to said that when they received my account my balance was only {$8700.00} somewhere around there. Now its above the original amount of the loan of {$12000.00} ( estimate ) because they are trying to slap me with an 13 % interest rate. She agreed that the interest rate is high. That amount that she said of {$8000.00} thats how much it was when we went to court, and since then they received payments from an old job I used to have, and this past year for taxes XXXX  they received {$1400.00}. The settlement amount before was {$1800.00} now its {$2500.00} ( estimate ). If I wasnt listening to these people I was working with for the past two years trying to get a home, advising me to pay off other accounts in return of me and my family getting a home I could had been settled this account. But I got screwed over and now here we are, with this ridiculous interest rate thats basically going to eat up every payment made, and not even touching my balance.

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 2024-04-17 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: MS

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-04-17 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: MS

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: NY

Complaint narrative:
I opened a WISE money transfer account and one day I try to send a payment of XXXX or XXXX dollars to the XXXX and they just deactivated my account. I appeal their desicion and still they decided to close my account without any detailed explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Personal information incorrect
Company: Nelnet, Inc.
State: MS

Complaint narrative:
The address is not the correct address on the account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-04-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: FL

Complaint narrative:
I submitted a XXXX and XXXX dispute regarding this issue last week against XXXX in which prompted the company in question to call me, XXXX ( now XXXX ). The XXXX legacy team and account XXXX called me regarding my dispute, and were still not able to resolve my issue, they tell me " Your account has been sold, you have to contact the collection company, and there's nothing they can do ''. I contacted the collection agency ( Jefferson Capital System ) and they promise that they put a dispute request in but could not provide me with confirmation or a ref # that it was disputed so at this point I just have to take their word and hope they dispute it, it is still on my credit report and has not been disputed as promised. This issue stemmed from when I had services with XXXX, I upgraded my phone and mailed my old phone back to the warehouse, they sent me confirmation that they received it. Months later I see a XXXX $ charge on my card from XXXX which prompted me to call them, they then told me they did not receive my old phone even after me receiving confirmation that they did. I called them months at end before they were bought out and I was promised numerous times it would be refunded, eventually I called my bank and they did their own investigation and refunded me MY money. Now 2 years later this comes up on my credit report causing my credit to go down XXXX points. It should of been the end when my bank handled this but here we are. The XXXX prompted XXXX  to call me, which again they could not resolve my issue since my account with XXXX was " sold XXXX. I am looking to get this resolved entirely in getting this off my credit report- Whether its the collection agency or sprint who is in charge of my resolution. I have taken all the proper steps with contacting the company who caused all of this ( XXXX, now XXXX  ), Ive contacted the collection agency, tried disputing this through XXXX XXXX, submitted a XXXX and XXXX complaint with still no resolution. Jefferson Capital Systems had the wrong address on file and never sent me anything via mail, they sent emails to an email address I no longer have access to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: Westlake Services, LLC
State: IL

Complaint narrative:
LETTERS SENT IN REQUESTING PROOF AND REMOVAL NOT MY INQUIRIES

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 2024-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: NC

Complaint narrative:
I received a welcome email from chime and I never set up a chime account. 

I called the number XXXX and chime wanted my name, date of birth, and social security number in order to close the account. 

I was not giving them any of that information except for my name. 

They refused to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
navy federal i callled XX/XX/22 stated that my cards was stolen and used on my phone, i called again each week after that they have the records they assigned XXXX investigators one demed everything wa sfrauf and was a wonderful help the othe i believe his name way XXXX he was rude and seemed happy i was going thru pain and emotional distress he said the charges were not fraud and accused me of doing them when they were both from same merchant XXXX XXXX which the other investigstor already said was fraud when i asked about his steps in his investigation he hung up on me immediatly i complained and got no where. 

then during this time my XXXX XXXX was stolen with my phone they helped with most of the charges but not all and in their customer agreement it clearly states cunsumers are not responsible for fraud. so i need this removed from my XXXX for inaccuracy reasons its showing on XXXX a XXXX balance owed and my XXXX XXXX is only showing XXXX so they are reporting and inacuracy not to mention i submitted police reort ftc reort and indenty theft afidavit then i have XXXX XXXX XXXX XXXXXXXX XXXX acounts i did not open reporting on my personal credit report these are fraud as well ] and last is a XXXX XXXX  reporting XXXX dollars on my report which i never opened i supnitted the prper documents and have not heard any thing back i am trying to purchace a home and this is ruining. mmy credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: OK

Complaint narrative:
I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-04-17 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: NC

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so i may review to see if this is actually an account that belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and inaccurate activities associated with the following accounts.

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 2024-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and inaccurate activities associated with the following accounts.

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 2024-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and inaccurate activities associated with the following accounts.

Company response to consumer: Closed with non-monetary relief