vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I wanted to follow up regarding my recent update, as I've noticed that there hasn't been any deletion of items in response to my previous queries. I have sent multiple letters to the Credit Bureaus requesting removal, but unfortunately, they only removed items once, and I didn't see any significant improvements afterward. This has left me feeling a bit disheartened. I understand the importance of maintaining an accurate credit report, and I believe that the removal of these items is crucial for my financial well-being. I kindly request the removal of the following items from my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 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: CA

Complaint narrative:
I am truthfully asking the Experian and XXXX XXXX to please REMOVE these fraudulent inquiries from my credit reports. As I have been telling you that these inquiries were unauthorized. And I need them to be removed from my credit reports. I understand the significance of preserving an precise credit reports, and I believe that the removal of these inquiries is crucial for my financial security : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
My complaint centers on Advanced Resolution Services , Inc. reported inaccurate and private information, which has adversely affected my consumer report.

Your actions have caused profound personal and emotional harm to both my family and me, resulting in a distressing situation that has left us severely affected. They are in violation of the FAIR CREDIT REPORTING ACT ( FCRA ). 15 U.S.C.

1681b ( a ) ( 2 ) et seq.. knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: IL

Complaint narrative:
nelnet my current federal loan service claimed on their website that we could contact them to find out the payment history of the previous loan service if we could not find the history of payments in their documents tab. I emailed them almost a month ago and have yet to receive an answer! I also asked nelnet to provide the terms of my loan ( consolidated ) so I can find out when would the loan be automatically forgiven based on a 20 year or 25 year repayment ; nelenet never bothered to respond!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am truthfully asking the XXXX and Equifax XXXX to please REMOVE these fraudulent inquiries from my credit reports. As I have been telling you that these inquiries were unauthorized. And I need them to be removed from my credit reports. I understand the significance of preserving an precise credit reports, and I believe that the removal of these inquiries is crucial for my financial security : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 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: CA

Complaint narrative:
This complaint was my follow up. I need this account XXXX XXXXXXXX UPDATED and REPAIRED once again. And I am hoping that inaccurate late marks popping-up again in this account. 
EQUIFAX : XXXX XXXX Balance : {$49000.00} XXXX XXXX XXXX XXXX Balance : {$49000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
My complaint centers on SageStream , LLC reported inaccurate and private information, which has adversely affected my consumer report. You are in violation of the FAIR CREDIT REPORTING ACT ( FCRA ). 15 U.S.C.

1681b ( a ) ( 2 ) et seq.. knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. There actions have caused profound personal and emotional harm to both my family and me, resulting in a distressing situation that has left us severely affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This complaint was my follow up. I need this account FIGURELEND XXXX UPDATED and REPAIRED once again. And I am hoping that inaccurate late marks popping-up again in this account. 
XXXX : XXXX XXXX Balance : {$49000.00} TRANSUNION XXXX XXXX XXXX Balance : {$49000.00}

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 2023-09-23 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: GA

Complaint narrative:
This message serves as a follow-up to draw attention to the outstanding matter concerning my credit records. I had previously requested TransUnion to remove a recent fraudulent inquiry. I'm simply ensuring that this inquiry will indeed be removed when I update my credit report within the next 15 days : TRANSUNION : XXXX XXXX XXXXXX/XX/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 2023-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: TN

Complaint narrative:
Us auto sales closed on XXXX of XXXX. A lot of us consumers didn't know who to pay how to pay etc because sometime in XXXX they shut down the payment portal. My last payment was on XX/XX/XXXX through the portal. I reached out to the girl who sold me the car and she said she couldn't help me and didn't know who to call or what to do either. Around XXXX I found out westlake supposedly had my contract. I called on XX/XX/XXXX, told them I will make payment but I want the original contract and the new contract that states I have to pay them. I have been disputing this personally with westlake since XX/XX/XXXX. I belive they are charging me a higher interst rate than on the original contract. I still do not have proof of verification that I owe this debt to them. I am paying on a debt that I don't even know legally if I am supposed to. They don't have my name on some documents, when they email some of them don't use my correct name. How can I be sure? I am being charged a late fee on the XXXX of XXXX and payment was not do until XX/XX/XXXX. I was charged interest on the XXXX of XXXX but westlake didn't take over until the XXXX of XXXX. How can I be charged late fees to a company that didn't have power of attorney or anything yet? I have a future late fee on pay off for whatever reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD

Complaint narrative:
I was advised via us mail that my 2 accounts with Capital one was closed due to activity that was against their standards. 
I've been basically unemployed for the summertime and was struggling with a part time school position with reduced hours and wages. 
My last paycheck for the summertime hours was only {$140.00}. 
Capital One was still trying to get payments out of my checking account and it wasn't consistent with my paydays. 
I believe their actions may have been discriminatory in nature and geared towards people in the minority class and income level.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Sent money to wrong person Wrong person says there bank reversed the payment but never received it in my account wrong person bank Chase bank XXXXXXXX XXXX XXXX XXXXXXXX, My bank XXXX XXXX XXXX bank says never received money transfer from XXXX from his bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the Fair Credit Reporting Act, 605 Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years I have requested Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX. XXXX  XXXX Bankruptcy - XXXX # : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts if it isn't reporting correctly. Also. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2023-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This is a follow up in my initial complaint with chase. 
Complaint ID XXXX. 
My case closed awaiting letter from Chase.

Letter received from Chase Executive Office dated XX/XX/2023. 
With cc to CFPB.

Letter attached for reference.

Chase stating their plan of action which it to verify the check.

Its 6 months since then.

Id been patiently waiting for any response.

Again I have to call and follow up with Chase executive office and chase fraud department Neither can tell me any result. 

There is still No resolution. 

I am asking again for help from CFPB in this matter.

Chase responded with a an action letter. However, those were all just written words to keep CFPB on the side and kept me out of my funds while Chase is holding my funds this long.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: CA

Complaint narrative:
This company agreed to remove their negative reporting from all 3 credit bureaus. It is still being reported to XXXX They have failed to provide me with a debt validation letter. They can not prove this debt belongs to me..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 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: MI

Complaint narrative:
XXXX inquiries have not been verified by the company. The supervisor at XXXX fraud department spoke with a Equifax representative on XXXX XXXX to confirm this information can not be verified. I will be moving forward with a law suit fir stress and damages also defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the Fair Credit Reporting Act, 605 Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years I have requested XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX. XXXX  XXXX Bankruptcy - XXXX # : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts if it isn't reporting correctly. Also. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Arivo Acceptance, LLC
State: AZ

Complaint narrative:
I am currently financing my vehicle through Arivo Acceptance, and I must express my deep dissatisfaction with their customer service, which I find extremely disappointing. Furthermore, their XXXX XXXX XXXX XXXX XXXX XXXX rating is shockingly low, standing at a mere 1.8 out of 5 stars. 

My primary concern revolves around Arivo 's failure to update the credit bureaus since XX/XX/2023, despite the fact that it is now nearly XX/XX/2023. This situation is wholly unacceptable, particularly because I am currently in the process of purchasing a home with my fianc. To maintain a favorable financial standing, it is imperative that Arivo promptly and accurately reports my payments to all three credit bureaus on a monthly basis.

I firmly believe that there is no excuse for Arivo 's inability to fulfill this basic obligation. As a conscientious borrower, I consistently meet my monthly payment commitments, and it is only fair that Arivo, as a reputable financial institution and lien holder, operates with the same level of professionalism and responsibility. Therefore, I urge Arivo Acceptance to take immediate action to rectify this situation and ensure that my credit history is accurately and consistently reported to the credit bureaus moving forward. This is essential for my financial well-being and my ability to secure a home for my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 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: MI

Complaint narrative:
Accounts are remaining on my report as being verified without proof of verification. 
An FTC report has been sent to remove accounts within 4 business days. Accounts have not been removed due Transition own internal reasons that was not disclose to me of what the internal reason were. Also the XXXX account has been verified as a fraudulent account and documentation was submitted to Transunion on XXXX XXXX. This information was totally ignored by Transunion. The investigation has been completed and does not need to be dithered looked into. Account should be removed immediately. I will be moving forward with a lawsuit with credit bureaus for stress damages and defamation of character.

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 2023-09-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
My wife and I decided to pay off my mother in laws parent plus loan after she had passed away. We did not realize that once she passed away, the loan would be discharged. Therefore we requested a refund. We were told to provide a copy of the death certificate, and additional information to process the refund, which we did. Its been over a month and the companies involved could not provide me information as to whether the refund request was approved or not approved. 

I am still waiting for my full refund, and I am hoping to expedite this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 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: CO

Complaint narrative:
Hello, I have used the personal budgeting/financing app called " XXXX '' by XXXX for years. XXXX includes a Credit Score which uses " XXXX XXXX ''. For over a year now ( I can not recall when this problem started ), this credit score has remained in the high XXXX, but the " breakdown '' section has an error I can not self-correct. I have reached out to XXXX support, who directed me to TransUnion for the error, and TransUnion doesn't see the error ( according to my full credit report ). So this complaint is my last resort. 

The breakdown of my credit score in Mint indicates that my " Credit Utilization '' is 0 % ( " XXXX Credit Score Credit Utilization '', attached ). I have a credit card balance of over {$4000.00} connected to XXXX as well, which refreshes regularly when I make purchases or payments ( " XXXX Credit Card Balance '', attached ). [ Note : these attachments are current as of my writing this. ] It's quite apparent that a $ XXXX balance on a credit card does not equal a credit utilization of 0 %. 

However, my full TransUnion credit report includes the same credit card account and balance ( " TransUnion Credit Report ( XXXX XXXX ) '', attached ). [ Note : this attachment is about a month old, so the exact numbers will not match the rest of this complaint. ] Somehow, both XXXX and TransUnion can see my credit card account and balance, but they're reporting my Credit Utilization as 0 % as it pertains to my credit score. 

As I said before, XXXX directed me to TransUnion support, and TransUnion support doesn't offer me any support options for this unique situation : they only offer me the option to dispute individual transactions on the report. 

The only other information I can offer that might be impacting this problem is that I had a legal name change in 2019. As far as I'm aware, I've updated all relevant agencies ( i.e. Social Security, IRS, etc. ), but I figured I would mention it in case my deadname might be causing any problems with this. 

Thank you for your time in helping me with this bizarre situation.

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