vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Subject : Formal Complaint against TransUnion and Request for Compensation Dear Consumer Financial Protection Bureau, I am filing a formal complaint against TransUnion regarding the accuracy of information on my credit report, specifically concerning derogatory accounts and inquiries. The accounts and inquiries in question are as follows : **Derogatory Accounts : 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 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  These derogatory accounts and inquiries have caused severe hardship, and I am concerned about the accuracy of the investigation process conducted by TransUnion. I refer to the findings outlined in 15 U.S. Code 1681 and believe that TransUnion may not have adhered to fair and equitable procedures as required by law. 

Furthermore, the recent CFPB article expressing concerns about TransUnion 's handling of consumer disputes raises additional doubts about the validity of the reported information. 

I am also seeking fair compensation of {$1000.00} per violation for the significant hardships I have endured due to the inaccuracies in my credit report, in accordance with applicable laws and regulations. I request a thorough examination of the damages incurred and appropriate restitution. 

I request a thorough investigation into the methods used to validate the accuracy of the aforementioned derogatory accounts and inquiries and details on how TransUnion ensured compliance with the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2023-12-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: OH

Complaint narrative:
XX/XX/XXXX - received notification that loan AA ( total of 2 were forgiven as of XX/XX/XXXX ) XX/XX/XXXX - received monthly statement from Nelnet - for XXXX payment for remaining balance ( roughly XXXX ) - paid prior to due date XX/XX/XXXX - contacted Nelnet to inquire on total amount of overpayments and when my information would be sent to US treasury for refund - no response XXXX - received monthly statement from Nelnet - for XXXX payment for remaining balance ( roughly XXXX ) - paid prior to due date XX/XX/XXXX - sent follow up to Nelnet requesting same information - no response XX/XX/XXXX - submitted complaint on student aid.gov - received case # XXXX via email XX/XX/XXXX - received 4 seperate letters indicating my remaining 4 loans were paid in full XX/XX/XXXX - requested my complaint to be escalated to Ombudsman - no response XX/XX/XXXX - received check for {$780.00} ( which included the XX/XX/XXXX and XX/XX/XXXX payments that Nelnet stated that I owed from their billing statements XX/XX/XXXX - followed up again requesting escalation from Ombudsmen XX/XX/XXXX - after my accounts reflecting {$0.00} and credit reports updated, Nelnet now has a balance on my Account of {$420.00} spoke to 6 different reps at Nelnet who have indicated they see 2 different overpayments that I am due,XXXX and the 2nd XXXX. One of the representatives even indicated I had borrower defense on my Account which I have never applied to but, that has now been disputed by a different representative. 

I would like to know when I will receive my overpayments and if my Accounts should reflect {$0.00} as my documentation indicates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :

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 2023-12-11 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I purchased a XXXX XXXX using a XXXX XXXXXXXX XXXX credit card in 2019. The ATV was paid off in full, and the credit card company sent me a lien release letter and signed title so I could transfer the title into my name. Unfortunately, I lost the paperwork at some point and forgot about it. 
In XXXX ( XXXX ) of this year I phoned the credit card company, Citibank, and explained the situation. They agreed to send a lien release letter so I could re-title the ATV. No letter arrived. I phoned again XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time, I was told they will send the letter, but I never receive it. I would simply like to have the lien release letter.

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 2023-12-11 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
To Whom It May Concern : I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

My current and only address is XXXX XXXX XXXX XXXX XXXX, Arizona XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX  for me, and I sincerely hope for a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are 2 accounts from Dept of EdXXXX opened in my name on XX/XX/2023. One for {$3000.00} and another for {$1700.00}. I have never had a student loan in my life. I went to the XXXX XXXX XXXX XXXX from XXXX on a football full scholarship.These two accounts showed up on my credit report and I was given their number to reach them. When I called I was kept on hold for an hour and 36 minutes then it appeared as someone was taking the call then disconnected me. I contacted Transunion and XXXX and both advised that I contact the FTC and file a police report for identity theft, fraud, and whatever else I could think of against the Dept of EdXXXX XXXX . I filed a dispute with the credit reporting agencies and it stated the accounts are mine. I am XXXX XXXX XXXX and have been with the same financial institution for 15 years as a XXXX XXXX XXXX.I can provide whatever is needed along with picture ID. I am 100 % sure that the Dept of EdXXXX can not provide my same information. Please help!!!

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 2023-12-11 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: TX

Complaint narrative:
There are 2 accounts from Dept of EdXXXX opened in my name on XX/XX/2023. One for {$3000.00} and another for {$1700.00}. I have never had a student loan in my life. I went to the XXXX XXXX XXXX XXXX from XXXX on a football full scholarship.These two accounts showed up on my credit report and I was given their number to reach them. When I called I was kept on hold for an hour and 36 minutes then it appeared as someone was taking the call then disconnected me. I contacted XXXX and Equifax and both advised that I contact the FTC and file a police report for identity theft, fraud, and whatever else I could think of against the Dept of EdXXXX XXXX XXXX I filed a dispute with the credit reporting agencies and it stated the accounts are mine. I am XXXX XXXX XXXX and have been with the same financial institution for 15 years as a XXXX XXXX XXXX.I can provide whatever is needed along with picture ID. I am 100 % sure that the Dept of EdXXXX can not provide my same information. Please help!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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: AZ

Complaint narrative:
To Whom It May Concern : I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

My current and only address is XXXX XXXX XXXX XXXX XXXX, Arizona XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 2 . The following personal information is incorrect Account Number : EMPLOYER : XX/XX/ 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ 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 2023-12-11 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: NJ

Complaint narrative:
I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

[ Describe the specific inaccuracies on your credit report. Include any incorrect transactions, erroneous account details, or other errors. ] According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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: Credit Karma, LLC
State: TX

Complaint narrative:
Per the FCRA as federal protected consumer. I am now opting out of any and all authorizations. I the consumer may have given written & unwritten, verbal or non-verbal per 15usc6802.

15usc6508 15usc1681 15usc6802 15usc1681 15usc1602 16crf313.6 16cfr313.7 15usc1692d 15usc1692e

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Hello, Multiple attempts have been made to clear my credit report from third party reporting agencies that I have not, nor had any prior business with. The report keeps coming back as verified and no solutions to my complaints. My fair consumer rights have been impacted as a result of false information, non privy information and outdated information. XXXX has neglected to correct my information shared with the public

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 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: LEXISNEXIS
State: MD

Complaint narrative:
Hello, Multiple attempts have been made to clear my credit report from third party reporting agencies that I have not, nor had any prior business with. The report keeps coming back as verified and no solutions to my complaints. My fair consumer rights have been impacted as a result of false information, non privy information and outdated information. XXXX has neglected to correct my information shared with the public

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: GA

Complaint narrative:
I know I am not the first but I hope I will be the last to have to deal with this and put an end to it. US Auto Sales of Georgia closed its doors earlier this year and sold off my auto loan to Westlake Portfolio Management. My car was total lossed on XX/XX/XXXX and Westlake has not done any paperwork associated with, or made any attempt, to complete the GAP waiver process which was connected with my original agreement. I was further informed today, XX/XX/XXXX that I am required to submit the GAP claim myself because it was done through a " third party. '' I spoke with the GAP provider who proceeded to inform me this is indeed their full responsibility to submit on my behalf. All the paperwork they would require from me is already in my possession but I am getting absolutely NO traction on this whatsoever. I am making an official claim against Westlake for incompetence and failed business processes that unclear/differing information from multiple customer service agents I have spoken with in regards to this process. 

I am going in a circle with Westlake Portfolio Management and absolutely would not recommend that anyone do business with this company if they can avoid it.

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 2023-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I signed a loan modification in XX/XX/ on a home equity loan I had had for almost 20 years. In late XXXX of XXXX my loan payment was withdrawn but lost in a direct debit error at PNC Bank. I provided proof of transfer from my primary bank account at XXXX XXXX for {$1700.00}, my regular monthly payment. It took 6 weeks for PNC Bank to track the missing payment. Meanwhile while still searching my account became delinquent. At 31 days delinquent on XX/XX/2023, I was sent to preforeclosure. When I addressed this issue with XXXX from PNC Loss Mitigation he knew nothing about the missing payment, or that my loan was even restructured. He requested the full amount past due on the previous loan {$12000.00}. This is why the loan was restructured- A higher monthly payment for two years. When I contacted the monthly servicer of my loan, XXXX. the one who lost the payment ( XXXX XXXX ) she knew nothing about the foreclosure. I also was not getting a financial statement each month on this new account. The error by PNC Bank and their subsequent woeful unfamiliarity with my loan is astounding. The incompetence of the loan servicer who lost the payment and XXXX from lost mitigations and bold disregard for my concerns and the history of this loan is reprehensible. If I had just been allowed to pay the new monthly payment with any delinquencies the cost would have been a fifth of the demand amount loss mitigation required. My attorney is in the process of preparing a lawsuit against PNC Bank and their loss mitigation department. Lastly, when PNC Bank 's internal affairs division contacted me, the representative from that department was told by XXXX from loss mitigation to and I quote, " to stay out of it! '' Please address this complaint as they are two weeks from filing a foreclosure proceeding on my home. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Thank You, XXXX XXXX XXXX

Company response to consumer: Closed with explanation