vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, 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 submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/2023 and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them 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 non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I want to complain about the credit bureaus and companies that I have been submitting disputes against for falsely reporting information on my credit report. I started disputing on XX/XX/XXXX, with another dispute on XX/XX/XXXX then a round now that was submitted on XX/XX/XXXX. None of the bureaus have given me valid responses and the responses that I did get were stall tactics that are accusing me of using a 3rd party. This is upsetting because I'm trying to get my credit to a point that I can purchase a property and with this false information, I'm unable to do. There's also some late payments that I was promised would be removed within 72 hours and that still has not happened. I got behind on a few payments because my husband was in the hospital with a XXXX XXXX, my priority was taking care of him and getting him back to health. I have provided proof as well of this hoping this will help in removing the late payments as a courtesy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I want to complain about the credit bureaus and companies that I have been submitting disputes against for falsely reporting information on my credit report. I started disputing on XX/XX/XXXX, with another dispute on XX/XX/XXXX then a round now that was submitted on XX/XX/XXXX. None of the bureaus have given me valid responses and the responses that I did get were stall tactics that are accusing me of using a 3rd party. This is upsetting because I'm trying to get my credit to a point that I can purchase a property and with this false information, I'm unable to do. There's also some late payments that I was promised would be removed within 72 hours and that still has not happened. I got behind on a few payments because my husband was in the hospital with a XXXX XXXX, my priority was taking care of him and getting him back to health. I have provided proof as well of this hoping this will help in removing the late payments as a courtesy.

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 2023-05-17 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: VA

Complaint narrative:
Person impersonating myself was able to gain access to my bank account and send {$2000.00} to an unauthorized individual through Zelle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frontline Asset Strategies, LLC
State: TN

Complaint narrative:
I closed and paid off my phone and phone bill like a year ago, and suddenly I got a bill of {$43.00} that I supposedly own, after me contacting them and paying everything over the phone around XXXX or XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: MN

Complaint narrative:
I hope this letter finds you well. I am writing to address several concerns related to my private student loan, which is currently being serviced by Firstmark Services. Specifically, I would like to request documentation regarding the charged-off status of the debt and also request the issuance of a 1099-C form for tax reporting purposes. 

According to the information provided in your previous correspondence, my loan was last reported as " charged off. '' As such, I am requesting documentation that clearly outlines the details and basis for this charge-off, including the date on which the charge-off occurred, the specific reasons cited for the charge-off, and any supporting information or documentation that justifies this action. 

Additionally, as a result of the debt being charged off, it is necessary for me to receive a 1099-C form. This form is required by the Internal Revenue Service ( IRS ) for reporting canceled or forgiven debts that may be considered taxable income. I kindly request that Firstmark Services issue a 1099-C form pertaining to the charged-off debt, providing the necessary details for accurate tax reporting. 

To ensure compliance with the relevant statutes, I would like to cite the following : Fair Credit Reporting Act ( FCRA ) : The FCRA sets forth guidelines for the accuracy and integrity of information reported to consumer reporting agencies. It is imperative that all information reported accurately reflects the status and details of the debt. Any inaccurate or misleading reporting may be in violation of the FCRA. 
Internal Revenue Code ( IRC ) : The IRC requires the reporting of canceled or forgiven debts on Form 1099-C. If the debt has been charged off, it is necessary to receive a 1099-C form to fulfill tax reporting obligations. 
I kindly request that you provide the following documentation and take the necessary actions : Documentation regarding the charged-off status of the debt, including the date of charge-off, reasons cited, and supporting information. 
Issuance of a 1099-C form for the charged-off debt, with accurate and complete details for tax reporting purposes. 
I appreciate your prompt attention to these requests. Please provide the requested documentation and the 1099-C form within 30 days of receiving this letter. If you require any further information or have any questions, please do not hesitate to contact me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XXXX XXXX  ( XX/XX/23 ), XXXX XXXX ( XX/XX/23 ), XXXX/XXXXXXXX XXXX ( XX/XX/23 XXXX, & XXXX ( XX/XX/23 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX You are reporting this collection as an " OPEN ACCOUNT '' wich is not under FCRA compliance. This is inaccurate reporting and needs to 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 non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX, VA XXXX XX/XX/1987 XXXX Experian XXXX XXXX XXXX XXXX TX XXXX To whom it may concern : I am writing to you because you are reporting collections on my credit report that I do not recall. Please see items listed below : XXXX {$590.00} XXXX XXXX XXXX  {$630.00} XXXX XXXX XXXX {$200.00} Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately. 


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 2023-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
I used the website Remitly twice in one week with a card I have not used for any other reason. Within 9 days, my card was compromised on the internet and I had to cancel my card and order a new one. A charge from a website called XXXX XXXX  ( XXXX XXXX  ) attempted a transaction on the card. That company is a fraud or scam that is taking people 's data. Remitly did not do enough to protect my card and account. And then, when I reached out to complain and close my account, the representative tried to make it next to impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
On XX/XX/XXXX I submitted complaint # XXXX through the CFPB about EXPERIAN reporting INCORRECT information on my Credit Card with XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX. 
I stated that it was reporting this account as being 30 days late on XXXX or XX/XX/XXXX AND 90 days late on XXXX or XXXX and that that information was incorrect as I had called XXXX XXXX XXXX and they promised to make a MODIFICATIONS to my account using the CARES ACT ( which is good XXXX, XXXX ) which would ADJUST my credit reporting to CURRENT and ON TIME. NOT LATE if I made a payment with them that day. I will attach proof that I was making large payments to cover the back payment due as well when they agreed to make these modifications. I had both health and financial issues during COVID which is EXACTLY who the CARES ACT was meant to protect!! 
This is now my THIRD TIME asking EXPERIAN through the CFPB portal to do a PROPER INVESTIGATION and make changes to this account. They have FAILED both times to see me as a person with rights protected under not ONLY the CARES ACT but also under consumer rights 15 US C 1681 Section 603 ( 3 ) ( E ) which States The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
They have YET to give me a fair and proper investigation as a matter of fact I am a PAYING MEMBER of EXPERIAN and get updates about my disputes in REAL TIME which I then can print out. As you can see for yourself in my attachments they havent lifted a finger to protect these rights which state they are NOT ALLOWED to use as stated - information shall NOT include specific factual information on a consumers credit record obtained DIRECTLY from a creditor of the consumer OR from a CONSUMER REPORTING AGENCY when obtaining information in an investigation about a dispute!!!! 
They just continue to deny me of my rights again and again.

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 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I am inquiring about two accounts with the name of BRCLYSBANKDE. The account numbers are : XXXX & XXXX. 

I was not provided accurate consumer disclosure files under FCRA Section 609 ( a ) ( 1 ). I am also requesting the dates of first delinquency, as well as the FCRA compliance dates, along with the name of the party who reported the dates of first delinquency. I was not provided this information. 

My rights dictate my ability to obtain this information. 

I believe these two accounts are being re-aged, which is an illegal practice under consumer protection laws. Please remove these two accounts from my credit report 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 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have continuously been trying to dispute the items on my credit report for the last 8 months. Each time the accounts are coming back as verified. Before my last attempt, I uploaded my credit report to the three reporting agencies showing them the inaccuracies in the report and yet again the supported documents have been ignored. This last time I asked for a method of verification and again this information has been ignored. The CFPB is supposed to step in when things of this nature are not being handled accordingly.I know for a fact that according to the FCRA that my report is supposed to display the maximum capacity of accuracy across the board and it is not. I recently faxed over a MOV letter asking them to prove to me that since they are the ones who are reporting the information to provide me with how exactly their investigation goes when a consumer is disputing the information. Again ignored. Yet, I am supposed to just suffer because they are not doing their due diligence in making sure that the information they are reporting is 100 % accurate Then it was brought to my attention that a CFPB employee sent over a quarter of a XXXX consumer personal information to his personal email account. Yet no one is talking bout that. How am I supposed to trust what I am submitting to correct information when there is constant fraud being handled behind closed doors? I want these accounts deleted immediately if I can not receive the METHOD OF VERIFICATION FOR WHICH THE ACCOUNTS BEING DISPUTED ARE BEING VERIFIED. i ALSO WANT THESE ACCOUNT DELETED FOR THE REASON DUE TO THE CFPB BREACH AND THIS IS A VIOLATION OF 15 USC 1681

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 2023-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am set up with Experian Credit Report Service. I took advantage of an offer on their website to apply for a credit card which was advertised to suit my credit score. I was trying to get a balance transfer card. I thought that since the advertised credit offers were on their website they had already been vetted for me. Therefore, I applied for the XXXX XXXX which was at the top of the list. I have a " hard hit '' on my credit report now and they denied my application. I called the toll-free number and told the agent that I felt Experian was doing the same thing XXXX XXXX was caught doing. I was told, " sorry that you feel that way, but we do put a disclosure on the sight. '' Experian is getting a kickback from each card company when a consumer takes the bait ; and all a consumer gets are hard hits on their report and a lowering of their overall credit scorXXXX. If XXXX XXXX got called out about such practices, I don't understand how Experian is sliding by.

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 2023-05-18 00:00:00
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I have been complying with all of their Instructions and sent my Government Issued ID 4-5 times and they keep on saying they can't read it or it's blurry.I don't know what else to do.There are credits money being refunded to these cards and they are probably denying them as well.This Capital One XXXX XXXX XXXX has been in default for months and they keep denying my ID? So I can't use my cards and they are not doing nothing.How can a Government Issued ID be Blurry? I copy it on the printer and fold the paper not on the ID or the back of the ID but so it's not creased in any way and still they say they can't read it? I don't understand this .This has gone on way too long for a Dispute.Why are they not accepting my ID? This is very upsetting to me, everyone else in my household can read it, Why are they refusing it so many times? Please help me so I can pay these off and delete my accounts totally with Capital One Credit Cards.Thank You so much.

Company response to consumer: Closed with explanation