vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX  Identity theft report was received by TransUnion to dispute and remove account on my personal credit report file number XXXX. This account was deleted on XX/XX/. However, the creditor reinserted this inaccurate information. This is a violation of law by Transunion. See FCRA 605B ( 15 U.S.C. 1681 c-2 ) ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency Based on the date of receipt of my identity theft report, and the date of the deletion being 4 business days apart, this item was initially blocked. First Violation Under section b. requiring notification, I, XXXX XXXX, the consumer, was not notified of the block being requested and the effective dates of the block. Second Violation Authority to Rescind - Because this item was reinserted by the creditor, Transunion used authority to rescind the block. The block was not made in error, the information was not based on a material representation, and I did not receive goods or services, or money as a result of the blocked transactions. The creditor ( XXXX XXXX ) is reporting inaccurate information regarding my personal information, specifically addresses that I am not associated with that Ive had to remove from my personal credit report. Based on this material fact and evidence, Transunions authority to rescind the block was made in error and I request this to be remedied. I have submitted another Identity theft report now that I have become aware of the amount the creditor is reporting.

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 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, 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:
I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX Balance : {$7400.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$6800.00} ; XXXX XXXXXXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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 sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXXXXXX Balance : {$290.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX  I paid my credit card balance in full via XXXX XXXX  on line bill paid. We have been paying the same credit card via the same XXXX XXXXXXXX on line bill payment system for about 10 years. The payment was sent prior to the due date. On XX/XX/XXXXXXXX  I happen to notice that the funds were returned to my account. I contacted the credit card company as was told that 1 year previously their bank account addressed had changed and that just resubmit with a different address. I did resubmit and continued to follow up. When I received a statement without the payment applied and late fees and interest I called the credit card company a number of times. Even though the large payment was lost I made additional payments via the phone. More calls followed and more payments were made and the funds were finally returned. However late fees and penalties accumulated. While the card card company apologized for their errors they said that they were not authorized to waive the fees and put it into dispute however they never responded to the dispute. I could use your help address with this problem. 

thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is reporting a bankruptcy that is not listed on any other credit reports, XXXX doesnt have it listed nor XXXX have this account listed! by law they are supposed to do a actual investigation, they keep reporting they received this information from XXXX XXXX, I contacted XXXX XXXX, on XX/XX/2023 the representative stated their werent any request from any credit reporting agencies for my file to receive this information for a dispute, I also contacted the Clerk of Courts received a letter from The Clerks office that stated they do not provide any info to be reported in my name nor do they provide any information ever for anyones credit report. Experian has violated the law so they need to delete THIS INACCURATE bankruptcy ACCOUNT ASAP!. Have them furnish the request with the specified date of every investigation & when XXXX XXXX gave them information that they actually did an investigation or reinvestigation. Experian is violating my rights as a consumer under the FCRA and this account needs to be deleted 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 explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Dolliemac, LLC dba Elite Document Management Solutions
State: KY

Complaint narrative:
I have been with Elite DMS for the past 4 years. Their mission was to take my credit card debt, dispute them and get the credit card companies to settle for a less amount than what I owed. I have paid XXXX a month for all this time and they have yet to settle them and some I have that I have had to pay out myself to keep from having judgment put against us. I have paid out XXXX dollars to this company and still no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
May have fraudulent account

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 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2021, there was an inquiry generated on my credit report titled " XXXX XXXX XXXX XXXX  XXXX ''. This inquiry was not authorized by me nor do I have an account with this company. I have attached my cover letter along with my FTC report to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/2021, there was an inquiry generated on my credit report titled " XXXX XXXX XXXX XXXX  XXXX ''. This inquiry was not authorized by me nor do I have an account with this company. I have attached my cover letter along with my FTC report to this complaint.

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 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, NVXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  : {$1200.00} ; XXXX XXXX XXXX XXXX ; XXXX XXXX XX/XX/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 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, NVXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  : {$1200.00} ; XXXX XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
I do not have debt. I have paid all my bills. The debt that FCO ( Fair Collection & Outsourcing ) is trying to collect is fraudulent. I have paid all my rent and moved out of apartment with all bills paid.

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 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, NVXXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  : {$1200.00} ; XXXX XXXX XXXX XXXX ; XXXX XXXXXXXX XX/XX/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 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
I submitted a letter to Experian on XX/XX/2023, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. This was already included in my prior COMPLAINT XXXX, and I'm including it again. XXXX XXXX  XXXX XXXX XXXX  {$630.00}.

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 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: MD

Complaint narrative:
My original student loan servicer was Nelnet. In XX/XX/XXXX, my loans were transferred to XXXX because I am taking part in the PSLF program. The problem is that my credit reports under all three credit bureaus are still showing my loans and loan account under Nelnet as active. Because my loans and loan account with XXXX are now also showing up as active on my credit reports, this makes it look like I have twice as many student loans as I actually do. I disputed the Nelnet loan account with XXXX, and the result was that the servicer, Nelnet, reported the account status as correct. I called to dispute with the other two credit bureaus, and was told that the outcome would be the same as my dispute with XXXX. I also contacted Nelnet when I first noticed this a few months ago, and they advised me to wait a month. I contacted them again a few months later, and was told the same thing. I contacted them for the 3rd time regarding this issue at the beginning of XX/XX/XXXX, and they changed their tune : they said that Federal Student Aid needs to contact the credit bureaus to report that Nelnet no longer services my loans. I then contacted the Federal Student Aid Ombudsman mid XX/XX/XXXX, and opened a case. Last week, the results of the case came back : I was told to contact Nelnet and open up disputes with the credit bureaus, which I already did ( I even explicitly mentioned this when I first spoke with the Ombudsman office ). I called the Ombudsman office again on XX/XX/XXXX, and was told that the result of the case was correct, and theres nothing that Federal Student Aid can do. I then called Nelnet again on the same day, and was once again told to contact Federal Student Aid, even though I told them that I already did. Please help me resolve this so that my Nelnet account can be marked as closed with all three credit bureaus. I dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
This company contines to violate my consumer rights.

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 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, 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:
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. 

Account name : DPT EDXXXX : XXXX XXXXXXXX, Account name : DPT EDXXXX : XXXX XXXXXXXX, Account name : DPT EDXXXX : XXXX XXXXXXXX, Account name : DPT EDXXXX : XXXX XXXXXXXX Account name : DPT EDXXXX : XXXX XXXXXXXX Account name : XXXX : XXXX XXXXXXXX, has violated my rights.

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 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 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, 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:
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. 

Account name : DPT EDXXXX : XXXX XXXXXXXX, Account name : DPT EDXXXX : # XXXX, Account name : DPT EDXXXX : XXXX XXXXXXXX, Account name : DPT EDXXXX : XXXX XXXXXXXX Account name : DPT EDXXXX : XXXX XXXXXXXX Account name : XXXX : XXXX XXXXXXXX, has violated my rights. 

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 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 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Key 2 Recovery, Inc.
State: MI

Complaint narrative:
This is to inform you that, XXXX XXXX XXXX is a victim of a fraud committed using my the identifying financial information pursuant to FCRA 15 USC 1681a ( q ) ( 3 ) because the data furnisher FAILED to give the consumer FULL DISCLSOURE regarding its opportunity to Opt Out of the disclosure of nonpublic personal information to third parties before such information was disclosed. Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) of the FCRA a consumer report does not include ( i ) any- report containing transactions or experiences between the consumer and the company making the report, unless as stated in 15 USC 6802 ( a ) ( b ) ( 1 ) & 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ) the customer is given the opportunity to opt-out and fails to do so. 

Pursuant to 15 USC 1681a ( q ) ( 4 ) an identity theft report can be used to permanently block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. It will also make sure that inequitable information do not reappear on the credit report. A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulted from an alleged identity theft, NOT LATER THAN 4 BUSINESS DAYS after the date of receipt by such agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
When I reviewed my credit report, I discovered that there is an account that was erroneous. The 3 credit bureaus must validate this account. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and remove in my file and is listed on my credit report : XXXX XXXX Balance : {$4900.00}

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