vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-21 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2023-11-21 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:
I sent my FTC report, Florida Drivers license by certified mail to XXXX, Experian, and XXXX. I have fraudulent accounts reporting on my consumer report. I will be filing a civil suit also.

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 2023-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have recently become a victim of identity theft, and I have filed a report with the Federal Trade Commission ( FTC ). The report numbers for your reference are as follows : XXXX and XXXX. As a result of this identity theft incident, I have identified discrepancies in my credit report that require immediate attention and resolution. I am requesting a thorough investigation into the inaccuracies present on my credit report, with the aim of rectifying any fraudulent entries attributed to the identity theft. The details of the disputed accounts are as follows : 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. Please delete these fraudulent accounts ASAP.

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 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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 2023-11-21 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: TX

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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 2023-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
I have not lived in XXXX Michigan in XXXX  years and this report is on my credit!!! This is not me and I just filed a police report against whoever did this and this company will be reported for not verifying identity. We dont even have a XXXX XXXX tx XXXX Please remove this ASAP!!! I have never even been contacted about this or it would have been handled! I have XXXX collections on my report and now I have this small one!!! I did not notice until I logged in my XXXX XXXX to see this had been added

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
XXXX XXXX sold my loan to MrCooper and I was not aware the loan transfer. I do have auto-payment with XXXX XXXX so I never thought there could be a problem with my mortgage payment. I noticed the late payment at the beginning of XXXX. I made the payments and setup the auto-pay with MrCooper. 

I called MrCooper in XX/XX/XXXX explaining the situation. The customer service was nice and said she will help me dispute the credit report. On XX/XX/XXXX I received the letter saying their inquiry will take 30 days. I called them again to see if they can expedite the procedure and they totally changed their response. They said what I did is useless, the inquiry result would be declining my request and they will not remove the credit report regardless of my situation. They don't care about the fact that the loan was transferred without my ackonwledgement. They first said they can help dispute and then they change their attitude saying they will do nothing. 

After the first time they told me they can dispute the credit report, I sent out an offer to buy a house and the offer was accepted. Now I'm facing a high risk of a huge penalty since later they refuse to dispute the late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I filed a fraud complaint for unauthorized use of my debit card with Citizens Bank on XX/XX/2023 for a total amount of {$1800.00}. These charges were made between XX/XX/2023 and XX/XX/2023 at multiple businesses including XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX. There were a total of XXXX charges ( Ive included a pdf of highlighted disputed charges ), and some were charged multiple times in one day. I do not use any of these businesses. 

I received written notification that my claim was denied dated XX/XX/2023. 

I called Citizens customer service to obtain more information about why my claim was denied and the representative told me someone from the fraud department would call me and explain why my case was denied and that after this call, my case would be reopened and reinvestigated. I never received a call from Citizens fraud department. 

I received a written notification dated XX/XX/2023 that the additional review of your claim and the original decision stands and the claim remains denied.

I should mention that this is the third fraud claim I have filed with Citizens this year because my debit card has been compromised. The two other claims were determined that fraud did indeed occur and I was issued a credit to my account for the total amounts of the claims.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-21 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: NV

Complaint narrative:
I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 

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 explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX reporting old private student loan information to the XXXX major bureaus : XXXX, XXXX, and Equifax. Being contacted by a scam collection company known as XXXX XXXX XXXX ( who has been fined XXXX XXXX $ in 2017 for deceptive practices and also by the State of New York Attorney General ). 

Original Creditor : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX credit entries from XXXX XXXX and XXXX. Last payment recorded was XX/XX/2017. Yet, no payment has ever been made. 

Between XXXX XXXX and XXXX XXXX, they have both given the credit bureaus false and misleading information, including falsified dates to ensure the account is reaged. 

Ive not personally contacted 3rd party XXXX due to their many complaints, lawsuits against them, and CFPB fines. It would be useless to speak to an entity that is known for illegal activity. 

All XXXX bureaus state they are investigating this and will take 30 days to complete their work. Yet, they allowed this erroneous and incomplete information to be put on my credit reports which has resulted in negative results to credit score. They are at-fault, just as both XXXX XXXX and its 3rd party collection agency. 

Im not a victim of identity theft, but I am a victims of fraudulent practices of the creditors, collectors, and the XXXX major reporting agencies. 

I understand there is a process for disputing entries, but this is something that needs to be addressed immediately because of the fraudulent activity being committed against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX reporting old private student loan information to the XXXX major bureaus : XXXX, Experian, and XXXX. Being contacted by a scam collection company known as XXXX XXXX XXXX ( who has been fined XXXX XXXX $ in 2017 for deceptive practices and also by the State of New York Attorney General ). 

Original Creditor : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX credit entries from XXXX XXXX and XXXX. Last payment recorded was XX/XX/2017. Yet, no payment has ever been made. 

Between XXXX XXXX and XXXX XXXX, they have both given the credit bureaus false and misleading information, including falsified dates to ensure the account is reaged. 

Ive not personally contacted 3rd party XXXX due to their many complaints, lawsuits against them, and CFPB fines. It would be useless to speak to an entity that is known for illegal activity. 

All XXXX bureaus state they are investigating this and will take 30 days to complete their work. Yet, they allowed this erroneous and incomplete information to be put on my credit reports which has resulted in negative results to credit score. They are at-fault, just as both XXXX XXXX and its 3rd party collection agency. 

Im not a victim of identity theft, but I am a victims of fraudulent practices of the creditors, collectors, and the XXXX major reporting agencies. 

I understand there is a process for disputing entries, but this is something that needs to be addressed immediately because of the fraudulent activity being committed against me.

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 2023-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
On XX/XX/XXXX, at XXXX XXXX, 2 hours after customer service chat was closed, NewRez sent us an email alerting us that they had not received XXXX 's mortgage payment. I immediately checked my bank 's records and confirmed that the payment had gone to NewRez and been negotiated on XX/XX/XXXX. I have contacted NewRez and supplied them a copy of the transaction history. NewRez I will be filing a Notice of Error with them tomorrow. 

It appears that the check may have been sent to another post office box than the one currently designated, which perhaps accounts for New Rez 's error. However, given that the check was made out to NewRez, contained my account number, and was negotiated, I believe the failure to credit my account is NewRez 's and not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IN

Complaint narrative:
I used cash apps cash card to make a purchase on XXXX for a XXXX XXXX gift card after getting the gift card i attempted to use it but it didnt work so i contacted the XXXX seller and they refused to refund me or give me a new XXXX XXXX i contacted cash app for a dispute and it was denied within a few days i then created a 2nd dispute and a CFPB complaint with further info but now 2 weeks later it was denied again for the same ground " the merchant fulfilled its service or product '' once again my whole point is they didnt and i was scammed and now i am beyond XXXX XXXX. dates : purchase XX/XX/2023 dispute date XX/XX/XXXX denied the 2nd redipsuted on the 3rd denied on the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX I contacted Nelnet to ask for an Income-Based Repayment Plan, and it was approved. I received a letter that stated that it would take some time to show on my Nelnet account, but that my qualifying loans would be {$33.00} starting at the end of XXXX. I tried multiple times to contact Nelnet because I did not see it on my account online. Not only that, but I contacted them and asked for a forbearance to make sure that my account would not go past due. Nelnet did not apply the forbearance on my account, and then they reported 90 days past due to all three credit bureaus. They reported that I was past due in the amount of {$710.00} which was not true. I have attached the letter that was sent to my online Nelnet account. I spoke to Nelnet XXXX XX/XX/XXXX after receiving notifications that my credit score had dropped XXXX XXXX due to Nelnet adding a 90-day past due to my account. They told me that they would apply the forbearance and that they would dispute my account to the credit bureaus, but I never received confirmation. I was on the phone for over 4 hours. They have ruined my credit score and I need it fixed. I was in the process of a loan, and now I am not able to. 
I need this fixed. I did everything on my part and they did not! Not only that, but I contacted Nelnet by email, chat, and phone calls, and nothing! I have been on hold for hours just to get hung up on. My credit score dropped thanks to them and I need it fixed. They ruined it and I have been super upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon reviewing my personal credit report, I've identified certain discrepancies that could significantly impact my ability to secure a home. While I understand that errors can occur, the implications of these mistakes are particularly detrimental. I am aware of the dispute process and the associated time constraints for investigation. The identified errors are as follows : XXXX XXXX XXXX XXXX. Contrary to the reported late payment in XX/XX/2023, all payments were made on time. I kindly request the removal of the late payment markings and the adjustment of the negative payment status for this account to accurately reflect my payment history.

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 2023-11-21 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: VA

Complaint narrative:
On XX/XX/2023 I went to the dealer to trade in the car. The dealer said they would pay for the car, so the debt is gone, but the bank keeps calling, charging and threatening that my credit will be ruined.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: TX

Complaint narrative:
I am writing to express my continued concern and frustration regarding the inaccurate items on my credit report. Despite my previous attempts to rectify this matter, the issues persist, and it is disheartening to find that my credit file has not been appropriately updated. 

Clearly outline the inaccurate items on your credit report, including the account names, dates, and any other relevant details. 

Briefly summarize your previous attempts to address the inaccuracies, including dates and methods of communication with the credit bureau. 

Mention that you have attached any supporting documentation, such as evidence of payments, correspondence with creditors, or any other relevant information. 

Describe the impact these inaccuracies are having on your creditworthiness and any adverse effects, such as higher interest rates or denials for credit applications. 

Clearly state your expectations for the resolution, whether it be a thorough investigation into the inaccuracies, a correction of your credit report, or any other appropriate action. 

Specify a reasonable deadline for the credit bureau to respond to your complaint and take corrective action. I am asking for your assistance to remove the inaccurate items in my credit file immediately 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 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 XXXX XXXX XXXX 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 2023-11-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
NO WORDS CAN EXPRESS MY EXTREME CONFUSION AND ANNOYANCE REGARDING THE PERSISTENCE OF FRAUDULENT ACCOUNTS ON MY CREDIT REPORT!!! YOU WERE ABLE TO EMAIL A CORRESPONDENCE SHOWS NO EXISTENCE OF FRAUD ACCOUNTS AND SHOWS POSITIVE OUTCOME OF XXXX XXXX. YET, THIS CAUSE ME CONFUSION AS THERE WERE NO DETAILED INFORMATION REGARDING THE DISPUTED FRAUD ACCOUNTS EITHER THEY WERE DELETED OR NOT. IM AFRAID THAT THOSE FRAUD ACCOUNTS MAY PERSIST ON MY NEXT CREDIT REPORT AND KEEP ON TARNISHING MY CREDITWORTHINESS!! THIS PROBLEM HAD CAUSED TROUBLE TO MY SLEEPING ROUTINE AND MY HEALTH AS WELL.

PLEASE STATE THAT THESE ACCOUNTS ARE ALREADY DELETED!!! 
XXXX XXXX XXXX XXXX XXXX PLEASE DELETE!!!!XXXX XXXX XXXX XXXX - PLEASE DELETE!!!! 
I am reporting these fraudulent accounts, providing you with comprehensive evidence, including correspondence that unequivocally proves the non-existence of these accounts. I have attached copies of the documents previously submitted for your reference. The validity of my claim is irrefutable, and I expect prompt action to rectify this matter.

It is both disheartening and incomprehensible that, despite the evidence I have provided, these fraudulent accounts may persist on my credit report. This oversight on your part is not only causing me undue stress and frustration, but it is also damaging my financial standing.

Company response to consumer: Closed with explanation