vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-09 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: PA

Complaint narrative:
Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c-2 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. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 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: PA

Complaint narrative:
Hello my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c-2 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. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MONEY SOURCE, INC., THE
State: TN

Complaint narrative:
This is a continuation of XXXX # : XXXX COMPLAINT ID XXXX XXXX TMS  wrote me claiming claiming that they resolved part of the problem they caused but is still trying to stick me with the XXXX XX/XX/2022. 

Meanwhile when myself and the insurance agent called TMS, there representative discovered and informed us that they were sending the payment to a different property address. As a result, they didnt make the payment for the right address hence the lapse. 

TMS is trying to falsely make me responsible for their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On Experien, XXXX, and XXXX XXXX, theyre reporting my student loans from XXXX XXXX as late which is untrue. I sent several letters stating that there should not be late payments and they refused to update their records. This was sent in XX/XX/2022.

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 2022-10-09 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-10-09 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: NC

Complaint narrative:
My complaint is against Equifax. They are currently reporting inaccurate, unverifiable information for XXXX Bank. I have asked them to delete this tradeline from my credit report, and they are refusing to do so. There is absolutely no way they could have verified and validated the debt as that company doesn't even exist. They are currently in violation of 15 USC.

I am demanding they delete this tradeline they are reporting by XXXX Bank immediately!! If they continue to refuse to delete this unverifiable tradeline I will file a smalls claims suit against them for {$1000.00} per violation of the FCRA and they will have to report to a venue local to me to defend themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
In light of the announcement about student loan forgiveness, I called my servicer, Nelnet, on XX/XX/2022 to ask if I should consolidate my loans in order to qualify. I was told that it wasnt yet known if my refinanced, originally XXXX loans would be eligible or if they would need to be consolidated in order to qualify, but if it did turn out that consolidation was necessary, then I could do so at any time. 
I found on XX/XX/2022 that loans such as mine would need to be consolidated to qualify, and the XX/XX/2022 deadline had passed. I called Nelnet again that day, asking that since I had asked on XX/XX/2022 and been given bad direction, if a consolidation could be processed and back dated. I was told no, and that employees at Nelnet had been given direction to tell callers not to consolidate. Its terrible that the servicing company made the decision to direct consumers who were acting in good faith to not consolidate, causing them to lose out on loan forgiveness. I suppose in order to cut down on a deluge of paperwork? Awful experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX - Still on my credit report and this account was settled by court and I send the documentation a few times. I want this account deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX - I paid this account in full and was settled by court. Still showing on my credit report. I need this account deleted ASAP from my credit repost.

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 2022-10-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-10-09 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act The following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

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 2022-10-09 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: EQUIFAX, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act The following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 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: PA

Complaint narrative:
Hello my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Based on, 15 U.S. Code 1681c-2 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. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
{$450.00} XX/XX/2020 Caine & Weiner are pursuing to collect a debt from me but are not licensed to do so in the state of Pennsylvania.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is reporting several unauthorized inquiries on my account. 
XXXX XX/XX/22 XXXX XX/XX/22 XXXX XX/XX/22

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 2022-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have tried some banks and tried opening checking accounts and got rejected due to XXXX, however XXXX reports is clean as I requested and went over with representative. Opened a checking account at chase and one week later they call me saying I had an account before with bad checks that they would have to close it I HAVE NEVER HAD CHASE BANK EVER. I had the same issue with XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Credit reporting, credit repair services, 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:
On XXXX, XXXX, and Trans Union, theyre reporting my student loans from XXXX XXXX as late which is untrue. I sent several letters stating that there should not be late payments and they refused to update their records. This was sent in XX/XX/2022.

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 2022-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XXXX, Equifax, and XXXX XXXX, theyre reporting my student loans from XXXX XXXX as late which is untrue. I sent several letters stating that there should not be late payments and they refused to update their records. This was sent in XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
account # XXXX from XXXX XXXXXXXX has inaccuracies thats violating of FCRA requirements... 
date last active : transunion XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX last payment : XXXX XXXX XXXX XX/XX/XXXX Therefore all this errors and inaccuracies makes this report invalid ..must delete from 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 explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
For two weekends in a row ( XX/XX/22 and XX/XX/22 ), Truist Bank has had problems processing internal transfers between two of its accounts. I have several accounts with this bank. One is a money market account which always has a relatively high balance ( currently, about {$14000.00} ). Another is a checking account. I transfer money from the money market account to the checking account periodically. This is done to control spending and to prevent loss in case of fraud or the card being lost. 

There is no debit card for the money market account. It is basically a savings account. 

Last weekend, on Saturday, I was unable to transfer money between these two accounts. I had about {$12000.00} in the money market account last weekend and around {$20.00} in the checking account. Truists customer service closes at XXXX XXXX on Saturday. This left me stranded all weekend with only {$20.00} to purchase groceries and other necessities. 

Truist informed me this was a technical issue. However, since the banks normal customer service line closes at XXXX XXXX and it was after XXXX when I discovered this error, no one was available to help. I called the fraud line and reported the incident. The representative I spoke with refused to do a transfer for me, even though this error was entirely the fault of Truist. 

The very same thing has happened this weekend. It was after XXXX XXXX when I discovered that transfers again are not working. The phone representative in the fraud department refused to transfer the money for me. When I asked to speak to someone who could help me, I was returned to the voice prompt that you always get when you call a bank. Essentially, they hung up on me. 

Because Monday is a banking holiday, I may not be able to make transfers until Tuesday. I have about {$11.00} in my checking account. There is over {$14000.00} in the money market account. But Truist is not allowing me access to it. 

Two weekends of technical problems in a row is bad enough. But Truist is absolutely refusing to do anything to fix this. Their customer service hours are the same and their phone representatives will not do a transfer for me or other customers to, at least, make up for the problem. What this amounts to is Truist holding my own money from me without cause.

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 2022-10-09 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: FL

Complaint narrative:
I had updated my report and found that this account doesn't belong to me this is really afecting mylife I need this to be fixed.

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 2022-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX is reporting several unauthorized inquiries on my account. 
XXXX XX/XX/22 XXXX XX/XX/22 XXXX XX/XX/22

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 2022-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Convergent Resources, Inc.
State: MS

Complaint narrative:
My ex-wife charged a cell phone to an account I did not know about. This charge was after the marriage ended. 

This was a fraud. I should not be responsible for something that was done without my approval. 

I contacted the merchant and explained that I did not approve this charge. I was not utilizing this account in any form. This account was managed without my awareness.

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 2022-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
account # XXXX from XXXX XXXXXXXX has inaccuracies thats violating of FCRA requirements... 
date last active : XXXX XX/XX/XXXX XXXX XX/XX/XXXX, equifax XX/XX/XXXX last payment : XXXX XX/XX/XXXX equifax XX/XX/XXXX Therefore all this errors and inaccuracies makes this report invalid ..must delete from my credit report...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
account # XXXX from XXXX XXXXXXXX has inaccuracies thats violating of FCRA requirements... 
date last active : XXXX XX/XX/XXXX experian XX/XX/XXXX, XXXX XX/XX/XXXX last payment : experian XX/XX/XXXX XXXX XXXXXX/XX/XXXX Therefore all this errors and inaccuracies makes this report invalid ..must delete from 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 explanation
Consumer complaint received 2022-10-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I had updated my report and found that this account doesn't belong to me this is really afecting mylife I need this to be fixed.

Company response to consumer: Closed with explanation