vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-24 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:
On XX/XX/2023 I noticed a collections record on my Transunion credit report and immediately took action to notify Transunion of the incorrect information. However, the online reporting system that I was guided to use does not work. Please remove following record from my Transunion credit report : Creditor name XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX, XXXX XXXX XXXX  I, Amount : {$520.00}. In addition to this request, I have reached out to the creditor to validate the debt but they have failed to do so and I have not heard anything back from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
It's an old account from XXXX at that time balance was XXXX now they say it wasn't paid off and a different addresses and a different balance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
On XX/XX/2023, I sent a letter to the company to provide me validate the alleged debt that they are reporting on my credit reports. They also never sent me a dunning letter to allow me the opportunity to dispute the validity of the alleged debt before reporting it to the credit reporting agencies. 
I am demanding that they close this account in their office and delete it from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Account number XXXX Credit limit {$500.00} Open/closed Open Date opened XX/XX/XXXX Account type Credit card This account is not being reported to XXXX or transUnion Account number XXXX Credit limit {$8200.00} Open/closed Open Date opened XX/XX/XXXX Account type credit card This account is not being reported to XXXX or transUnion Account XXXX XXXX Credit limit {$21000.00} Open/closed Open Date opened XX/XX/XXXX Account type Credit Card This account is not being reported to XXXX or transUnion Account number XXXX XXXX limit {$20000.00} Open/closed Open Date opened XXXX XXXX, XXXX Account type Charge Card

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24 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: IN

Complaint narrative:
I have disputed this account and they still have not been reviewed or investigated correctly, nor have they been updated to correctly show they are in dispute. This is a major violation to my investigation rights under the FCRA. I have attached explanation of inaccuracies and screenshots of the most recent credit report. Since you can not investigate properly and choose to ignore the inaccuracies and inconsistencies I will point them out for you. 

1. I AM NOT disputing ownership. Please do not mark as verified by stating we verified the account is yours. PROPERLY INVESTIGATE the validity of the INFORMATION BEING REPORTED of this account as its is not reporting consistently across bureaus and are showing different information on each bureau. 

This is was last disputed on XX/XX/23 & it is not currently showing a last verified date. It is showing not in dispute. It is also reporting inaccurate late payment across bureaus as they are all showing different information for late payments. This is inaccurate reporting across the board. On XXXX, there is no payment history reported. On Equifax it is showing 4 90 day late payments, and XXXX is showing 9 90 day late payments. This is INACCURATE REPORTING! Please remove account as it has been disputed without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 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: IN

Complaint narrative:
I have disputed this account and they still have not been reviewed or investigated correctly, nor have they been updated to correctly show they are in dispute. This is a major violation to my investigation rights under the FCRA. I have attached explanation of inaccuracies and screenshots of the most recent credit report. Since you can not investigate properly and choose to ignore the inaccuracies and inconsistencies I will point them out for you.

1. I AM NOT disputing ownership. Please do not mark as verified by stating we verified the account is yours. PROPERLY INVESTIGATE the validity of the INFORMATION BEING REPORTED of this account as its is not reporting consistently across bureaus and are showing different information on each bureau. 

This is was last disputed on XX/XX/23 & it is not currently showing a last verified date. It is showing not in dispute. It is also reporting inaccurate late payment across bureaus as they are all showing different information for late payments. This is inaccurate reporting across the board. On XXXX, there is no payment history reported. On XXXX it is showing 4 90 day late payments, and Experian is showing 9 90 day late payments. This is INACCURATE REPORTING! Please remove account as it has been disputed without resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 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: IL

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: OR

Complaint narrative:
I requested to be placed on a SAVE plan on or before XX/XX/2023 ... over a month ago now. 

Got an email follow up on XX/XX/XXXX stating " if we havent finished processing your application in the next 10 days, well keep you informed with a follow-up email. '' Of course there has been no follow up email. 

This is a *scary* time for borrowers and we should expect that the US DoE and loan services like Nelnet process IDR applications in a timely manner. Please help ensure this is dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 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: IN

Complaint narrative:
I have disputed this account and I believe they still have not been reviewed or investigated correctly. This is a major violation to my investigation rights under the FCRA. I have attached explanation of inaccuracies and screenshots of the most recent credit report. Since you can not investigate properly and choose to ignore the inaccuracies and inconsistencies I will point them out for you. 

Unknown Debt Collector This account is showing the original creditor is XXXX, but who is the debt collector attempting to collect the debt? They have not disclosed themselves in this report as you can see their name is missing. This debt is invalid. In addition, this account is showing Account Disputed with NO LAST VERIFIED DATE. This debt was not verified with the 30 day investigation period allowed per their own records of the absent XXXX XXXX date. They even acknowledged the dispute per their remarks but still did not correct their reporting XXXX. I AM NOT disputing ownership. Please do not mark as verified by stating we verified the account is yours. PROPERLY INVESTIGATE the validity of the INFORMATION BEING REPORTED of this account as its is not reporting consistently across bureaus and are showing different information on each bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24 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: PA

Complaint narrative:
I'VE NOTICED SINCE MARCH I HAVE AN UNAUTHORIZED ACCOUNT ON MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT AND THIS ACCOUNT HAS MESSED WITH MY CREDIT. I HAVE BEEN WORKING ON THIS SINCE MARCH ASKING THE COMPANY TO VERIFY THIS INFORMATION IS WHY THEY NEVER SEND EVIDENCE JUST A WRITTEN STATEMENT SAYING " THE ACCOUNT HAS BEEN VERIFIED. '' THEY DON'T HAVE THE CORRECT ADDRESS OR EVEN A PROOF OF VERIFICATION TO SUPPORT THAT THE ACCOUNT IS MINE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24 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: PA

Complaint narrative:
I'VE NOTICED SINCE MARCH I HAVE AN UNAUTHORIZED ACCOUNT ON MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT AND THIS ACCOUNT HAS MESSED WITH MY CREDIT. I HAVE BEEN WORKING ON THIS SINCE MARCH ASKING THE COMPANY TO VERIFY THIS INFORMATION IS WHY THEY NEVER SEND EVIDENCE JUST A WRITTEN STATEMENT SAYING " THE ACCOUNT HAS BEEN VERIFIED. '' THEY DON'T HAVE THE CORRECT ADDRESS OR EVEN A PROOF OF VERIFICATION TO SUPPORT THAT THE ACCOUNT IS MINE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24 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:
My student loan balance is current XXXX and paid in full. My rental company also reports my payments as timely every month yet the companies have the balance as incorrect for the student loans that went from {$100000.00} owed to {$0.00} ( XXXX  ) dollars owed. There was no score increase for such a large debt to removed. The monthly rental payment of {$1300.00} is also not showing as reported either

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My student loan balance is current XXXX and paid in full. My rental company also reports my payments as timely every month yet the companies have the balance as incorrect for the student loans that went from {$100000.00} owed to {$0.00} ( XXXX  ) dollars owed. There was no score increase for such a large debt to removed. The monthly rental payment of {$1300.00} is also not showing as reported either

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24 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: LA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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
Consumer complaint received 2023-09-24 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: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I sent out a dispute for billing error to CITIZENS BANK N.A., three times for a credit card ending in XXXX, which the company was in receipt of the dispute. I have a proof of mail and delivery. I questioned the account and its balance of XXXX XXXX  according to the fair credit billing resolution. CITIZENS have not wrote me back or proof on anything that I asked for. In additon, they violated the fair credit billing act by not sending me a response of receipt of the dispute in 30 days, they accelerated charges to the account with two interest payments, and they added a late fee to the account. CITIZENS wrote me stating that they are attempting to collect a debt while still in a billing error dispute. They also took adverse action against me and put a latement on my consumer report defaming my character. I lost XXXX points to my credit score. XXXX from the XXXX XXXX spoke with me and apologize about what I have experienced which I have that recorded. He informed me to send them all documents via email, to take a look at it, that man never even emailed me back just to let me know that he recived it. CITIZENS are not incompliance with what is right by law. They forfeited on collecting. I filed a notice of default/intent to arbitrate, if I dont hear back I am filing AAA according to our arbitration agreement in the next two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Sulphur Bank Rancheria Enterprises
State: OH

Complaint narrative:
I fell behind on payments then after speaking to an attorney I found out the loan was illegal in my state. The loan company went on to send a letter to my employer to garnish my wages without a court order. The deducted 15 % of my pay. This is illegal and I will be filing a lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 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 contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24 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: KS

Complaint narrative:
They are using addresses from correctional facilities on my report. It's impossible to gain accounts while you are incarcerated unless due to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 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: FL

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 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: NJ

Complaint narrative:
They said they would remove fraud inquiries from my account they even sent a letter saying it was off but they left them on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24 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: NC

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing this formal complaint against Equifax in hopes of seeking resolution regarding the reporting of negative claims on my consumer credit profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices. 
My primary complaints are as follows : 1. Failure to Ensure Accurate Reporting : I firmly believe that Equifax has not taken adequate measures to ensure that my consumer credit report profile is reported factually, ethically, and in compliance with federally-defined timeliness. The reporting should also be physically verifiable and validated, adhering to the mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without any omissions or deviations. 

2. Deviation from Established Reporting Standards : Based on my understanding of XXXX 's XXXX manual ( see XXXX XXXX ), any deviation from the Metro2 standards jeopardizes the integrity of the data. I am concerned that Equifax may not be adhering to these established standards, which raises questions about the credibility and reliability of the reported information.

3. Lack of Documented Proof : Despite my attempts to contest the reported information, Equifax has not provided sufficient documented proof confirming the accuracy and compliance of the negative claims asserted against me. As a consumer, I have the right to demand evidence of reporting appropriateness and adherence to regulatory requirements.

Company response to consumer: Closed with non-monetary relief