vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-12 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: NY

Complaint narrative:
XXXX XXXX XXXX said they had no knowledge of an account in my name that was delinquent. I asked him to please let the Credit bills know and they said that thats not their responsibility to do that. I spoke to the credit card companies and they still havent rectified the situation the address of the company XXXX XXXX XXXX, XXXX XXXX XXXX, UT, ZIP Code is XXXX. Please remove the following account from all credit barrels. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Beneficial State Bank said they had no knowledge of an account in my name that was delinquent. I asked him to please let the Credit bills know and they said that thats not their responsibility to do that. I spoke to the credit card companies and they still havent rectified the situation the address of the company XXXX XXXX XXXX, XXXX XXXX XXXX, UT, ZIP Code is XXXX. Please remove the following account from all credit barrels. Thank 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 explanation
Consumer complaint received 2024-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I had 2 -3 disputes over the months with Transunion XXXX and XXXX for inaccurate accounts and yet nothing was done it was updated and verified with the same inaccurate info. nothing was being done and yes I had reported this issue to the CFPB and nothing was done. now I have sent letters to all the creditors on XXXX I will upload my proof

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 2024-04-12 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: NY

Complaint narrative:
I had 2 -3 disputes over the months with XXXX XXXX and Equifax for inaccurate accounts and yet nothing was done it was updated and verified with the same inaccurate info. nothing was being done and yes I had reported this issue to the CFPB and nothing was done. now I have sent letters to all the creditors on XXXX I will upload my proof

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: NY

Complaint narrative:
I had 2 -3 disputes over the months with XXXX Experian and XXXX for inaccurate accounts and yet nothing was done it was updated and verified with the same inaccurate info. nothing was being done and yes I had reported this issue to the CFPB and nothing was done. now I have sent letters to all the creditors on XXXX I will upload my proof

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 2024-04-12 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:
i received a letter from XXXX regarding Student Loan repayment for {$150.00} monthly. The total student loan is showing that i owe {$22000.00}. The last time i was in school was 2010 and I dropped out in the middle of the semester. I spoke with 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 2024-04-12 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:
i received a letter from XXXX regarding Student Loan repayment for {$150.00} monthly. The total student loan is showing that i owe {$22000.00}. The last time i was in school was 2010 and I dropped out in the middle of the semester. I spoke with XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Acceptance Corp.
State: MO

Complaint narrative:
Im not aware of this debt. It keeps showing up on my public report and it increases monthly. Dont know what it comes from and never agreed to this arrangement

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
" I am reaching out to address a concerning matter regarding the accuracy of my credit data within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate date that require immediate attention. For matters related to the accuracy of credit reporting, the Fair Credit Reporting Act ( FCRA ) is the relevant law. The FCRA governs the collection, dissemination, and use of consumer credit information, providing consumers with rights to dispute and correct inaccurate information in their credit reports. I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated. 
"

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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am being ignored and the FCRA is being disregarded. I have sent my formal notice regarding information that is being reported about me that is inaccurate and has not been fully verified by physical documentation as I requested.

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 2024-04-12 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:
According to FCRA 605B, we got ta take off wrong stuff from my credit report. Can you look at the papers? Some accounts listed aren't right. They need to go 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 non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo is exercising unethical debt collection practices. They have not responded to my request to stop calling me at my personal phone number. They have called me in excess of the seven days that they are allowed to. The debt they are calling me about is not mine. It was an unsecured loan in the name of my father who is now deceased.

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 2024-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have consistently made timely payments on this account, ensuring they are never overdue. However, I am uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-04-12 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: MD

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.SC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SECTION XXXX A : STATES THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 1681c SECTION 604 ( 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: MD

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.SC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602 A : STATES THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 1681c SECTION 604 ( 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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Alorica Inc.
State: TX

Complaint narrative:
My account is only being report to 2 of the 3 credit bureaus which are XXXX and XXXX. The account is not being reported to XXXX. I called XXXX # XXXX ( credit dispute department ) and was told they cant report my account to XXXX. But in the response to my CFPB complaint they said theyll report my account to all 3 bureaus XXXX, XXXX and XXXX. I also call XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a total of three times which he did call me back today XX/XX/year> but he ended the call ( yes the call came through but was disconnected so fast that I was not able to accept it )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FC HoldCo LLC
State: TX

Complaint narrative:
Upon the relationship ending XXXX I have requested ALL documents associated with alleged account and have NOT RECEIVED ANY. 

In fact, XX/XX/XXXX I received a Data Breach letter advising consumers of fraud, and potential XXXX compromised. 

In addition, the company is violating my consumer rights per FCRA 604 15 USC 1681. 
I believe the Lack of Validation is indicative and supports my concerns of false reporting while violating 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 2024-04-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I applied several years ago to remove my cosigner from my loan and was denied. I recently re-applied on XX/XX/XXXX and was denied again stating that I did not make enough money to cover the loan. I make very decent money. Showed proof of that. My cosigner is in and out of prison, he is not a good human, I would prefer to not have any form of contact with him but this gives him a reason to contact me. there is no reason I should have been denied to have my cosigner removed. 

Also, dealing with Navient has been nothing short of a nightmare. This has been an ongoing loan since XXXX. I currently owe $ XXXX more than I did when I graduated due to the ridiculous interest rates put forth by the company. That makes it nearly impossible for any person to pay these loans off. 

I was lied to by the school that I took this loan out for, they have since closed. My degree is utterly useless and I am stuck paying for an education that was a complete joke.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.

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 2024-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally complain about the lack of proper dispute investigation by American Express and to express my dissatisfaction with the customer service provided by XXXX. These issues have not only caused significant inconvenience but also demonstrate a worrying lack of commitment to customer rights and service quality from both companies. 

XXXX XXXX XXXX ** I have engaged with American Express concerning a financial dispute, providing them with substantial evidence and numerous communications. Unfortunately, their response has been insufficient and dismissive, without the thorough investigation that such a dispute deserves. This negligence in handling my dispute appropriately is alarming and suggests a lack of adherence to expected consumer protection standards. 

XXXX XXXX XXXX Additionally, my attempts to resolve an issue with XXXX have been met with one-sided and unfriendly responses. I have reached out multiple times through various channels, including online chat, XXXX, and direct chat support, only to be informed that while I could file a complaint, there might be no follow-up or resolution guaranteed. This lack of professional communication and customer support is unacceptable and has compounded my frustrations. 

Case situation : My dispute against XXXX XXXX for an incident that occurred at XXXX XXXX XXXX on XX/XX/2024. The focus of this complaint is the unjust baggage charge and unprofessional behavior displayed by XXXX of XXXX 's ground staff members, XXXX. 

As a XXXX passenger, I am entitled to a specific baggage allowance ; however, XXXX insisted on charging me an additional {$180.00} for my luggage. Her response to my inquiry was disrespectful, stating, " You only paid such fare for XXXX, what else do you want? You need to pay for luggage. '' This statement was both dismissive and unhelpful. 

Moreover, XXXX falsely claimed that my luggage was overweight, despite the absence of any " heavy '' labels on my baggage tag. This arbitrary accusation was not only unfounded but also indicative of unprofessional conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Over the past several months I have had to continuously call Wells Fargo and get their permission to use my card and/o my account. Until today they have always complied but now they are saying there is nothing wrong with my account or card and it is the merchant 's fault. I do not believe XXXX merchants would have the exact same problem and give the exact same error that states I need to call Wells Fargo. They are refusing to do anything about it or open an investigation into why I can not use my account/card stating it is a security measure and they can not give out that information nor get me in contact with their security team.

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 2024-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Again, no payments have been missed. All principle payments are up to date. Insurance is up to date on property and homeowner is not required to send any documentation to a 3rd party that is not an interested party to the property. 

Shellpoint is trying to take the land and property. 

This Bureau has the duty of protecting all Americans, including myself, with the fraud that is taking place with Shellpoint and its affiliates. 

This document is now authored from XXXX, Michigan. Have no idea who these people are and need to contact the lender for that information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am in the process of purchasing a home and when the bank ran my credit they informed me that I have a balance pending from a credit card from Bank of America and I have to pay it to be able to close the transaction.

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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This loan is not a foreclosure its an installment debt and should be reported that way immediately.

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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am being ignored and the FCRA is being disregarded. I have sent my formal notice regarding information that is being reported about me that is inaccurate and has not been fully verified by physical documentation as I requested.

Company response to consumer: Closed with non-monetary relief