vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 2024-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 2024-05-28 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: FL

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Since XXXXXXXX XXXX XXXX  I have been unable to obtain credit from any entity using Equifax to check my credit. The response they receive is that there is a block on my Equifax report yet Equifax claims that there is none. 
I can't even get it from my Equifax online account. When logged in it says it can not provide my report since XX/XX/scrub>XXXX XXXX 

Whenever I call the Equifax customer service line, I speak to people who have no idea what the issue is and don't have a way to resolve it. Their only recourse is the same response. " We will escalate it to our tech team '' Then they ask me to MAIL a copy of my driver 's license, social security card, and bank statement to verify my identity. 

After a few weeks I get a template letter saying thank you for contacting Equifax and they ask for the exact information they already received. 
I have done this multiple times in the last 6 months by sending my information to : Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX They need a HUMAN BEING to correct this problem and not a computer. 
Equifax is causing me to be denied my right to obtain credit through this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-05-28 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: FL

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 explanation
Consumer complaint received 2024-05-28 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: IL

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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I had a home mortgage with Specialized Loan Services which was paid in full in XX/XX/year>. 

The current account status is shown as 120 days past due on XXXX and is damaging our credit score.

I have tried to contact SLS, but have been unable to speak with a human.

Thank you. 

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 2024-05-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had an Auto loan from Sun Trust bank which later merged into Truist bank and i was on an auto pay for the payment. For my monthly payment of {$250.00} i was auto paying {$300.00} and with no communication or information while switching from one bank to another the payment did not processed as the bank changed their banking information without informing me through a personal contact. 
They informed me of no payment after 2 months and after posting a payment delinquencies to my credit. When i contacted XXXX they did not took the responsibility to contact me with the new bank info or to set up my auto pay account again, instead they did nothing to fix this complain. 
I never had late payments to anyone, in fact i was making a {$50.00} additional payment towards my preset auto loan. I tried calling them and after checking the records they also confirmed this happened but are not fixing this at all. 

I want TRuist bank to fix this ASAP and take this late payment off from my credit account which is impacting my credit scores and is also impacting negatively my credit image to the whole world.

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 2024-05-28 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: FL

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 explanation
Consumer complaint received 2024-05-28 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:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: 2288984 Ontario Inc.
State: FL

Complaint narrative:
I, along with many other borrowers, have been subjected to unfair and abusive loan terms by Money Key XXXX  Loan. These practices include, but are not limited to : Exorbitant Interest Rates and Fees : The interest rates charged on the loans are excessively high, making it nearly impossible for borrowers to repay without falling into a cycle of debt. 
Unfair Loan Terms : The loan agreements contain terms that are highly unfavorable and often misleading. 
Lack of Settlement Options : Money Key XXXX  does not allow for settlements or negotiations to ease the repayment process. 
Selling Loans to Collections : The company sells loans to collections agencies without attempting to resolve the issue with the borrower. 
Evidence I have collected substantial documentation to support these claims, including : Copies of my loan agreements Payment records Correspondence with Money Key XXXX  regarding settlement attempts Evidence of loans being sold to collections without prior negotiation Need for Legal Representation I believe that these practices violate consumer protection laws and constitute predatory lending. Many borrowers like myself have suffered financial and emotional distress due to these unfair practices. I am seeking your expertise to : Evaluate the merits of the case Determine the feasibility of a class action lawsuit Represent the affected borrowers in seeking justice and fair compensation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: TX

Complaint narrative:
I have recently checked my report and found an account that did not belong, I submitted a dispute on this account with TransUnion on XX/XX/2024 and still have not received any response.

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 2024-05-28 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: FL

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: TX

Complaint narrative:
Equifax is in violation for reinserting account XXXX  back on my credit report when the company admitted that this account was unverified. In the CFPB complaint XXXX, XXXX XXXX XXXX XXXX XXXX stated that an investigation was done, and they closed the XXXX account . They also ceased all communications regarding collection of the XXXX account and requested that the consumer reporting agencies remove the tradeline for the account from my consumer reports. XXXX and XXXX have since removed this inaccurate account, but Equifax is still reporting this account. Please see the correspondence from the company and remove this account from my credit report or I will have no choice but to take legal action against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: FL

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX made me take out a XXXX dollar loan. I never passed my test and when I managed to take my test, the inspector at XXXX did something, moldy. 

From what I heard, my last complaint got two people fired, inspector and trainer. 

Are you able to investigate into XXXX please

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: CA

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 non-monetary relief
Consumer complaint received 2024-05-28 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: ME

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the 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 non-monetary relief
Consumer complaint received 2024-05-28 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: DE

Complaint narrative:
I have multiple accounts reporting adverse information. I would like to opt out of this information being publicly displayed on my credit report for other companies to see. According to the XXXX XXXX XXXX act and as a federally protected consumer I am well within my rights with this request. There are also collections agencies reporting things on my report that of things I have no knowledge of.

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 2024-05-28 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
I FILE BANKRUPTCY IN XXXX AND XXXX XXXX XXXXXXXX WAS ADDED TO MY BANKRUPTCY. I FILE XXXX XXXX  AND IT WAS SWITCH OVER TO XXXX XXXX WHEN THE XXXX XXXX  WAS NO LONGER ON MY ACCOUNT. SO XXXXXXXX XXXX XXXXXXXX WAS ONE OF THE ONES THAT WAS DISMISSED IN THE CLOSING OF THE XXXX XXXX. SO A FEW MONTH AFTER CLOSING XXXX ADDED THIS ACCOUNT BACK ON MY CREDIT REPORT. I SEEN IT AND CALLED THE XXXX CREDIT CARD DEPARTMENT AND THEY WERE SUPPOSE TO TAKE IT OFF MY CREDIT REPORT. YEARS LATER WHEN LOOKING INTO BUYING A HOUSE I SEE THIS {$600.00} PLUS CREDIT DELINQUENT ON MY ACCOUNT. SO I CALLED THE XXXX NUMBER AND FOUND OUT THAT XXXX SOLD THE ACCOUNT TO A DEBT COLLECTED INSTEAD OF DIMISSING IT IN THE BANKRUPTCY.

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 2024-05-28 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: FL

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: ME

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the 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
Consumer complaint received 2024-05-28 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: VA

Complaint narrative:
I am writing to bring to your attention an issue I have encountered with Experian, one of the major credit reporting agencies. As a consumer, I have exercised my rights under the Fair Credit Reporting Act ( FCRA ) to dispute certain inquiries on my credit report. Unfortunately, Experian has failed to complete their investigation within the mandated 30-day period. 

The following inquiries are those that I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, I submitted a dispute letter to Experian requesting the removal of the aforementioned inquiries. 

According to the FCRA, Experian is obligated to investigate and respond within 30 days. However, this deadline has passed without resolution. 
Legal Basis : The FCRA grants consumers the right to access their credit reports and dispute any inaccurate or incomplete information. 
Section 611 ( a ) ( 1 ) ( A ) of the FCRA states that credit reporting agencies must conduct a reasonable reinvestigation when a consumer disputes an item on their credit report.

Section 611 ( a ) ( 7 ) of the FCRA specifies that if the investigation is not completed within 30 days, the disputed information must be removed.

" 1681i. Procedure in case of disputed accuracy ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' ( Source : 15 U.S.C. 1681i )

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 2024-05-28 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion 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