vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-19 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: FL

Complaint narrative:
After receiving a copy of my Transunion Credit Report i noticed some inaccuracies Below are the unauthorized inquires that were made on my report, i have sent several letters to Transunion about this and called them several times and they refused to remove them off of my report All Below Are From Transunion XXXX - XX/XX/2023 XXXX XXXX XXXX- XX/XX/2023 XXXX XXXX XXXX- XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX - XX/XX/2023 In my letter to them i sent the following along with Identification : I am contesting any information on my credit report that I believe to be inaccurate. The data included in my credit report must be validated before it is included on my report. I can not recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which does not meet federal or state reporting requirements. For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 15 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. 
If any of these claims are not true, please delete them immediately. 
Inquiries I received a copy of my credit report. The credit report showed a credit inquiry by companies that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit. 
Please forward me documentation that you have investigated and removed the unauthorized inquiries. 
Regards You are not following the rules. I have listed all of my rights in this document so that they can be met accordingly, but it appears you do not care about fulfilling your obligations under Fair Credit Reporting Act ( FCRA ) or Metro 2 law I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action

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 2023-12-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I paid my student loan account in full on XX/XX/2023. I paid it on time and am now being told that my payment was delinquent this on XX/XX/2023. They will not answer their calls or emails despite multiple attempts this week to do so at different times. I was not late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: FL

Complaint narrative:
My credit report with Experian contains numerous instances of incorrect information. About 80 % of the information is not mine and has no connection to me. This includes : incorrect names, many incorrect residence addresses, incorrect birthdate, multiple incorrect social security numbers, and a large number of bank and credit accounts that I have no association with and have never opened. At least one or two other people 's information appears to be mixed in with mine. This includes bankruptcies and discharged accounts which make my credit record look terrible. 

Multiple calls to the Experian dispute department have resulted in XXXX action or resolution. I have been calling for over a month. I am currently on my third " case ''. The previous two cases were opened, and supposedly provided to the internal department that resolves data errors. Both cases were closed without any information being captured, and with no resolution to the problem. Each time I call, I'm told it will be 5 business days to fix it and that I'll be contacted. I have never been contacted and the issue has never been addressed. The customer representative can never provide me a status, has never once indicated that the internal department is looking into the matter, and stonewalls me when I ask for an escalation path or for the contact information of someone in the mysterious internal department who i can contact directly. 

Experian 's handling of this issue is utterly shameful. The customer representatives have XXXX information or status they can provide me. They refuse to provide any further contacts to me so that I can check in on the status myself to ensure that the required actions are addressed. And they have opened multiple cases and then closed them without recording any resolution or reason for closure. At the same time that Experian fails to correct their data quality issues and misrepresents my own creditworthiness to creditors with their own misinformation, multiple times a day they are pushing their credit products on me -- a truly insulting and disgusting business practice.

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 2023-12-19 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: CA

Complaint narrative:
XXXX XXXX has been reporting false information on my report for over 2 years now. I have requested validation and investigation into the credit reporting over 5 times now. I submitted in writing, email, mail, documentation for dispute. XXXX has filed a fraudulent civil suit that was dismissed, they are violating credit laws, and keep reporting to credit agencies about an account that is past the statute of limitations. Experian has refused to follow laws and investigate my disputes. They continue to send the same generic response " the account has been verified as accurate ''.

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 2023-12-19 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: PA

Complaint narrative:
I XXXX XXXX currently have some Fruad accounts on my credit reports.

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 2023-12-19 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: NJ

Complaint narrative:
I am a victim of identity theft and have made this clear to this company. 

I sent the XXXX  letter to them on XX/XX/2023, letting them know I am a victim of identity theft and that XXXX accounts were opened in my name. I went on to ask them to validate the accounts and remove them if they couldn't. 

I sent the XXXX  letter to them on XX/XX/2023, letting them know that I know they have XXXX  days to verify the disputed accounts and that I haven't heard from them yet. 

I sent the XXXX  letter to them on XX/XX/2023, letting them know that I still have not heard from them and that further action would be taken if they do not uphold the law in this matter. I told them that I fully intend to pursue litigation in accordance with the FCRA. 

I will be sending the XXXX  letter on XX/XX/2023, notifying them of my final written offer of settlement before litigation as my attempt to resolve their continued violation of the FCRA regarding their refusal to delete unverified information from my consumer profile. I will inform them that I intend to seek relief and monetary damages under FCRA section 616 and section 617, being that it has now been over 30 days with no verification results from them. 

I have also filed an Identity Theft Report with the Federal Trade Commission regarding this matter. 

At this point, I can not confirm if they have done a single thing to protect me and my credit.

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 2023-12-19 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 been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: VA

Complaint narrative:
My father passed away XXXX. One of his banks is PNC. Myself and my sister were POD. I notified them of his death. Took all the necessary paperwork in and they refuse to give me my share of his money market, savings, cds. anything that is rightfully mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: LA

Complaint narrative:
Transunion and US DEPARTMENT OF EDUCATION continues to willfully neglect and be willfully non compliant with removing my non public personal information from my Consumer Files They are in violation of FCRA privacy laws 1681a2, 1681b 2, 1681 ( 4 ), Family Educational Rights and Privacy Act, and the Privacy Act of 1974 20 USC 1232g 34 CFR 99 5 USC 552a Reaging is an illegal act due to FCRA 623 ( 5 ) ( A ) Also in violation of 18USC 1028 Also Transactions and experiences are excluded from Consumer Files without the Natural Person Consumer written permissible purpose These inaccurate unauthorized fraudulent identity theft are preventing my personal and business credit growth : Us Department of ED Account # s 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 2023-12-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Summary of the issue : The order : Order # XXXX was not received by me. There are numerous reports online of issues with orders not being delivered but being marked as delivered by the carrier XXXX ( which Macy 's used to deliver this order ), which I suspect might have happened here. 

I believe both Order # XXXX and Order # XXXX were shipped together as one package but the entire package was not received by me. I have already received a refund for the non-receipt of Order # XXXX. But for Order # XXXX I have raised the issue twice now and I have been denied a refund by Macy 's. 

Timeline : Before XX/XX/2023 - I tried to mark item as not received thru Macy 's online account. Denied issue of credit. 

XX/XX/2023 - Phone call to Macy 's Customer Care to raise a non-receipt of item complaint XX/XX/2023- Inquiry submitted directly to the carrier XXXX. Details : Case number : XXXX Tracking Number : XXXX XX/XX/2023 - Second Phone Call for the same issue. Denied refund of credit. 

XX/XX/2023 - Email sent to " XXXX '' with subject " Non-Receipt of order number : XXXX. Final attempt '' XX/XX/2023 - Disputed charge thru Macy 's online portal with below details : Case ID : XXXX STATUS Open Amount : {$130.00} Date Submitted : XX/XX/2023 XX/XX/2023 - Received postal letter from Macy 's ( XX/XX/2023 ) resolving the dispute by refusing to issue a credit for the non-receipt of items after their investigation. 

No reply from the carrier " XXXX '' yet. 

Macy 's has not furnished me with any video or a photographic evidence that the package was delivered. Instead, on the letter dated XX/XX/2023 from Macy 's they have included a screengrab from XXXX of the item delivery, which can be easily falsified. 

Macy 's should also take into account of the numerous reports online of issues with orders not being delivered but being marked as delivered by the carrier XXXX, which is most likely to have happened here. 

I am attaching a report of XXXX reviews from online where numerous customers and a news report have all complained about XXXX. 

Macy 's should also look into my account history and verify that I have been a customer for many years and not a single time was a dispute raised with them except for these items marked as delivered by 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 monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: TN

Complaint narrative:
I filed a dispute with WESTLAKE FINANCIAL via email & certified mail. I received confirmation that the letter was received. I waited the 30 days for WESTLAKE FINANCIAL to respond and still have not received a response or the requested documentation. 

They have repossessed my vehicle on XXXX occasions. On one of those occasions the tow company was kind enough to provide me proof that WESTLAKE FINANCIAL was not the owner of my vehicle. Just yesterday, WESTLAKE FINANCIAL sent someone to my home to place a note on my door. WESTLAKE FINANCIAL has put myself and my family in harms way. I am currently in distress because I have an unknown individual who knows where I reside. I feel violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: IL

Complaint narrative:
I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

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 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
To Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection and charge off with a PAST DUE BALANCE of {$10000.00} This is a violation of the FCRA and is in violation of requisite METRO 2 Compliant reporting standards. As well as is in violation of 15 U.S Code 1681eb. The reporting party did not provide/send me a 1099c in regards to them claiming the debt to the IRS. The reporting company has reported to the IRS as well as on my consumer report they charged off the account. This is in violation as they have already claimed and received the remaining balance from the IRS.

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I did not provide my written permission or instruct for the identified items to be reported on my consumer credit report. I am requesting that the reporting of this information be deleted and blocked from my consumer report. My request to block all identified accounts listed below is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer ; Account Name : Capital One Auto Finance Account Date : XX/XX/2015 You are required to do what I am asking and block the transactions from being reported to my consumer report within 4 days from the date of this notice. I look forward to your response. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: GA

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

has violated my rights. Or a list of inquiries : 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
See atttached but Wells Fargo is not updating or showing an active credit card on my XXXX credit report, this account shows for XXXX and XXXX only

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 2023-12-19 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: TX

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: AMERICAN HONDA FINANCE CORP
State: OH

Complaint narrative:
I, XXXX XXXX, entered into a lease with Honda of XXXX XXXX on XX/XX/XXXX for a XXXX Honda Accord Sedan. My down payment was a trade in, a XXXX XXXX XXXX, excellent condition with low mileage, valued at {$11000.00}. I also paid {$220.00} in cash so that I could keep my monthly payments right around {$200.00}. Total payments plus down payment would equal {$19000.00}. 

The agreed upon value of the new car was {$34000.00}. The residual value of the vehicle at the end of the lease was {$17000.00} The total of base scheduled payments was {$7900.00}. 

I had no problems with the vehicle. But, I am facing earlier than anticipated retirement due to health issues. I am XXXX y/o. I admit I am ignorant when it comes to leasing vehicles. I'd never done it before. I turned the car in sometime in XX/XX/XXXX. I had made XXXX payments since XX/XX/XXXX. I was so unsure of what to expect at my meeting. I thought maybe they'd want me to pay a fee for early turn in. 
But, they said they would call everything even and release me from the lease. 
I was thrilled to say the least. I left my car there, that very evening, in somewhat of shock, not realizing I should NOT have done so. 

Several days later, when I realized why a XXXX deal I had agreed to, under duress and ignorance, I wrote a letter to the dealership and asked for a follow up meeting to discuss if we could renegotiate the end of the lease. I feel somewhat foolish at my naivety, but I didn't think my local dealership would take me for over {$16000.00} just for leasing their vehicle for 21 months. I would like some help getting a meeting with them, so that I can possible get some of my equity back. I will need it for retirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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