vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/2023 To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

I demand that the following account be verified or removed immediately : 1. These inquiries were not authorized. 
Date of inquiries XX/XX/2023 XXXX Equifax XXXX Equifax XXXX - Equifax XXXX - Equifax XXXX XXXX XXXX - Equifax XXXX XXXX - Equifax XXXX Equifax Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation.

In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
CHECKED CREDIT REPORT AND THIS ITEM WAS LISTED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Someone stole my card and made charges on my account that I did not make. I have off of at the time of these charges and dates I was at work and did not make these charges

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
CHECK CREDIT REPORT AND THIS ITEMS WAS LISTED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
I have numerous credit inquiries on my credit report that do not belong to me. I have filed a police report and filed an identity theft affidavit about this matter. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: OH

Complaint narrative:
My student loans were transferred from Great Lakes to Nelnet in XXXX. Prior to this, I was on REPAYE since XXXX of XXXX. Per Nelnet, I should have been automatically transferred to XXXX program. My payments are very high ( XXXX per month, instead of the {$180.00} or so anticipated on XXXX ) and I reached out to Nelnet. I was told the amount would be fixed. It turned out ( after weeks of no response and no change to my amount due ) that Nelnet had only transferred some of my loans to XXXX and had the rest incorrectly under a standard repayment plan. When I contacted Nelnet, I explained I was ready to pay immediately in XXXX and could afford the smaller payments on XXXX and would like to start immediately. I was put on administrative forbearance and have watched my account climb even while I have made monthly payments. I was told last week by Nelnet that my payments made in XXXX and XXXX would retroactively count for XXXX payments and I would have the interest subsidy applied to my account. I asked them to immediately change my status to repayment as I am ready to repay and have been for months. This week I noticed my forbearance has been extended from XX/XX/XXXX to XX/XX/XXXX. Please please help fix this. Nelnet has been incredibly inefficient and has been draining my free time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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: FL

Complaint narrative:
I am writing to formally dispute certain information on my credit report, as reported by Experian, which I believe to be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I contacted Experian regarding the discrepancies outlined below, and to date, they have not responded. I kindly request your assistance in addressing these issues. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$11000.00} ) : The reported Balance of {$11000.00} is inconsistent with my recollection, and the Past Due information for a closed and charged-off account is inaccurate. I request your agency to revise the Past Due information and mark this account as disputed to prevent further negative impact on my credit score. 


XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$640.00} ) : The inflated and inaccurate Balance of {$640.00}, along with the inaccurately reported Past Due amount, requires correction. This account was closed and charged-off, and the Past Due should not be stated. I intend to contact the creditor directly, and I request your agency to mark this account as disputed until the matter is resolved. 


XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$2200.00} ) : I dispute the reported Balance of {$2200.00} and request the removal of the Past Due information for this closed and charged-off account. Please mark this account as disputed while I resolve the dispute with the creditor, and verify the Date Opened, Date of Status, and First Reported. 


XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$1000.00} ) : I question the accuracy of the reported Balance of {$1000.00} and dispute the Past Due amount for this closed and charged-off account. I intend to clarify this matter with the creditor and request your agency to mark this account as disputed to prevent further negative impact on my credit score. Additionally, please verify the Date Opened, Date of Status, and First Reported. 


XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$15000.00} ) : The reported Balance of {$15000.00} is disputed, and I insist on an investigation into the account, including verification of the dates : Date Opened and Date of First Delinquency. I have not been contacted by XXXX XXXX, and I dispute the entire account due to these inaccuracies. 


XXXX XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$11000.00} ) : The reported Balance of {$11000.00} is disputed, and I request the account be marked as disputed while I address these concerns with the creditor. The Past Due amount for a closed account is inaccurate, and I intend to resolve this matter promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
I wanted an erroneous fee with interest fromXX/XX/2019 reversed. This was another instance of my autopay canceling on its own ( see claim XXXX XXXXXXXX. ) I accrued {$10.00} in false fees and {$2.00} in false interest during this XX/XX/2019 statement period. I spoke to XXXX ( agent number XXXX ) who said that BofA can not reverse charges that old.

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 monetary relief
Consumer complaint received 2023-11-20 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: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
Copious amounts of money were paid to this company and yet they are attempting to collect more with zero validation of debt provided to me. No evidence of validation of debt has been provided to me after multiple attempts and certified letters through USPS. 

ATTACHED ARE PAYMENTS MADE TO XXXX. 

MOVE IN XX/XX/XXXX MOVE OUT XX/XX/XXXX {$2700.00} paid {$2600.00} paid {$2600.00} paid again That is a total of {$8000.00} for XXXX months of rent when rent was only {$2600.00}. 

I WANT VALIDATION OF HOW THIS COMPANY IS ALLOWED TO PLACE ON MY CREDIT REPORTS AN AMOUNT EXCEEDING {$3000.00} NEARLY {$4000.00} WITHOUT ANY PROOF BEING SENT TO ME AND THE CFPB NOT OBTAINING THIS INFORMATION EITHER! 

I will include all parties involved in the illegal activities of not providing consumers validation of debt or due process of allowing disputes. THIS IS A DISPUTE OF DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Zenith Financial
State: CA

Complaint narrative:
according to the Zenith Financial group advertisements on the radio ( XXXX community ), I decided to go to Zenith XXXX to fix my credit, on XX/XX/year> personally visit this company and talked to the management there, XXXX XXXX, ( who always speaks in on XXXX radios ) and sing the contract, I was supposed to pay the company {$400.00} a month and they will start repairing my credit. After 6 months, there was no change in my credit. They didn't even show me a letter that said anything in My credit has changed. After 6 months we tried ( my husband and I ) contact them several times over the phone for ask them any documents to show that my credit has repaid or changed but unfortunately they did not show me anything until we went to the company 's office with my husband We talked again with the manager there, XXXX XXXX, and it was agreed that if we could personally talk to one or two companies that we had talked to before, it would help the company to repair my credit as soon as possible, and he promised us to give us results at least one document or any result next 3-4 weeks. 
Unfortunately after a month, there would be no show me any documents to change in my credit. It didn't work for me and I sent an email to the company to asking them to please stop fixing my credit because I haven't seen any results after 6 months Unfortunately today I found out that this company has given me to collection I am victim on that company they knows I had bad situation bad XXXX this company give me hardship and stress They lied to me just get {$400.00} each months for nothing

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 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: TX

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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: TX

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 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: FL

Complaint narrative:
I am writing to formally submit a complaint against Equifax regarding inaccurate information on my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I contacted Equifax to address discrepancies in my credit report. Despite my attempt to rectify the situation, I have not received any response from Equifax to date. 
Below are the details of the inaccuracies and the required corrections : XXXXXXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$11000.00} ) : The reported balance of {$11000.00} is incorrect and causing significant prejudice to my credit reputation. I recall a lower balance, and I request a revision of the Past Due information, as it is inappropriate to present such an amount for a closed, charged-off account. I urge your agency to mark this account as disputed promptly. 


XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$640.00} ) : The reported balance of {$640.00} is inflated and inaccurate. I dispute this amount and intend to contact the creditor directly to correct the information. I request your agency to mark this account as disputed until a resolution is reached. 


XXXX XXXX  Account ( Date Opened : XX/XX/XXXX, Balance : {$15000.00} ) : The reported balance of {$15000.00} is inflated and inaccurate. I dispute the entire account and insist on verifying the Date Opened and Date of First Delinquency. I have not been contacted by XXXX XXXX, and I request your agency to mark this account as disputed during the investigation. 


XXXX XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$11000.00} ) : The reported balance of {$11000.00} is higher than my recollection. As the account is reported as closed, Past Due information should not be provided. I plan to address this directly with the creditor and request your agency to mark this account as disputed during my attempts to resolve the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 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: FL

Complaint narrative:
they sent me a stall letter saying i am using a third party credit company to fix my credit and they will not move on with my 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 2023-11-20 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: FL

Complaint narrative:
they sent me a stall letter saying i am using a third party credit company to fix my credit and they will not move on with my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
they sent me a stall letter saying i am using a third party credit company to fix my credit and they will not move on with my 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 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I was putting applications through to find apartments and I was getting denied and spent a lot within rental fees, when it became difficult with these companies. I asked the credit bureau to freeze my account my credit and to update my correct information. Nothing was ever 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 explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I hope this letter finds you well. I am writing to formally dispute and request the correction of inaccurate late payment reporting on my credit report. After a thorough review of my credit history, I have identified discrepancies that require your urgent attention. 
XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or XXXX customer service. I am aware of my rights under the Fair Credit Reporting Act, and I trust that you will handle this matter with the urgency and diligence it requires. The inaccurate reporting of late payments has a significant impact on my credit score and financial standing, and I am eager to see a prompt resolution to this dispute.

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