vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-25 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: MS

Complaint narrative:
Requested that incorrect information in addresses that do not belong to me be removed. They continue to keep outdated addresses on my credit file after numerous attempts of requesting they be removed. 

The also continue to report outdated information pass the 7 year mark and I have requested that information be removed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to express my frustration regarding the lack of action on the fraudulent accounts present on my credit report. Despite multiple attempts to dispute and submit complaints, I have not seen any progress in their removal. 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, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX if the fraudulent accounts are not promptly removed , I will seek legal counsel. I believe their inclusion violates my rights under the Fair Credit Reporting Act.

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 2024-01-25 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: AZ

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 accounts ( A ). It is not permitted to report these accounts 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 XXXXXXXX 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 XXXXXXXX

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 2024-01-25 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: GA

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX  XXXX Balance : {$5000.00} XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$4300.00} XXXX  XXXX XXXX Balance : {$750.00} XXXX  XXXX XXXX Balance : {$2000.00}

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 2024-01-25 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
The state of my credit report is profoundly troubling, and my dissatisfaction runs deep. It's not just highly embarrassing ; it's clear that either you or the company is accountable for reporting this inaccurate information. I have never been lateI consistently make timely payments.

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.

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 2024-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: TransferWise Ltd

Complaint narrative:
I transferred the sum of XXXX XXXXXXXX from my XXXX bank account to transfer wise with the intention of moving that money to my comm bank business account! Wise transaction number XXXX XXXX imputed the correct bsb but I entered my personal comm bank account instead of my business this happened on XX/XX/year> Wise referred me to comm bank and commbank referred me back to wise. Wise told me the transaction had been complete and theyd reached out to commbank several times to initiate a recall. On XX/XX/year> wise told me You informed us that you've entered incorrect bank details for your recipient. Despite our attempts to initiate a fund recall, it was unsuccessful. The receiving bank confirmed their inability to reach the recipient for a response. Unfortunately, there is limited action we can take from our end, as submitting another recall request is likely to yield the same result. In this case, we advise you to reach out to the recipient bank to dispute and get them to response to Wise 's recall messages. In case if we have a response, we will reach you out.

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 2024-01-25 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: LEXISNEXIS
State: NY

Complaint narrative:
I've recently scrutinized my credit report and identified discrepancies in the reporting of certain accounts, revealing inaccuracies that raise concerns. It has come to my attention that these discrepancies compromise the accuracy of my credit profile. In accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ), it is clearly stipulated that any accounts featuring inaccuracies on my credit report should be rectified and removed promptly. As a vigilant consumer who understands the rights and protections afforded by the FCRA, I am seeking immediate action to address these discrepancies and ensure the integrity of my credit information. I believe that accurate reporting is crucial for maintaining a fair and transparent credit history XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXX : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: MS

Complaint narrative:
Requested that incorrect information in addresses that do not belong to me be removed. They continue to keep outdated addresses on my credit file after numerous attempts of requesting they be removed. 

The also continue to report outdated information pass the 7 year mark and I have requested that information be removed as well.

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 2024-01-25 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: MS

Complaint narrative:
Requested that incorrect information in addresses that do not belong to me be removed. They continue to keep outdated addresses on my credit file after numerous attempts of requesting they be removed. 

The also continue to report outdated information pass the 7 year mark and I have requested that information be removed as well.

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 2024-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: CA

Complaint narrative:
After having Detected Additional Problems with the Contract, the NOTE and Accounting, I re-opened the Administrative Process and launched a Forensic Audit. And I am currently in the middle of this multi-step Administrative Process and doing Due Diligence and expects this process to take an additional XXXX months before a resolution can be reached. 

During the initial-step of this multi-step process the Mortgage Servicer SELENE FINANCE LP and their Principal XXXXXXXX XXXX were asked to supply me with a copy of the accrual XXXX  Accounting including debit and credit accounts, [ assets and liabilities ] and all off-balance sheet liabilities and income accounts and the accounting from XXXX  per XXXX XXXXXXXX, and all other related documents as per the XXXX XXXX  Notice I sent to them. They received this by certified mail on XX/XX/year> and I received a response back from them, dated XX/XX/year> acknowledging the receipt of it and that they will respond to it in compliance with Federal and State law. Therefore, I am awaiting for the requested documents from them before moving forward with the next step of the Forensic Audit Process. 



However, their XXXX XXXX XXXX XXXX, XXXX XXXX XXXX has scheduled to foreclose on my home on XX/XX/year> in violation of FDCPA. I have provided XXXX XXXX  with a copy of the Forensic Audit Notice as well as SELENE FINANCE LP 's acknowledgement and their intent to provide me with the requested documents. 

I faxed, e-mailed and called SELENE FINANCE in an effort to put a stop the sale of my home. I also asked to be transfer me to their legal department because the customer service was unable to answer my questions. I asked for the Registered Agent 's Contact Details so that I can if need to serve legal documents for which Customer Service Person was unable to answer me at the same time told me he couldn't transfer me to their legal department. 

I intend to take court action if they do not suspend the sale. However, I don't want to waste the court 's time and resources and my time and energy as I have already wasted a lot trying to get information from SELENE FINANCE. Therefore, I am reaching out to you first.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: GA

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX CARD XXXX Balance : {$5000.00} XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$4300.00} XXXX  XXXX XXXX Balance : {$750.00} XXXX  XXXX XXXX Balance : {$2000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
The Family Educational Rights and Privacy Act ( FERPA ) of XXXX is a federal law that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 
It prohibits educational institutions from disclosing personally identifiable information in education records without the written consent of an eligible student, or if the student is a minor, the students parents ( 20 U.S.C.S. 1232g ( b ) ).

I have 4 student loan accounts showing on XXXX, XXXX, and XXXX that have cause a serious negative impact to my credit over the years. ( XXXX. ) Account # XXXX with a current balance of {$4800.00} opened on XX/XX/XXXX, states that the account is open and deferred payments begin on XXXX/XXXX. This account was closed and sent over to a XXXX party by the name of XXXX XXXX, now the loan is under Aidvantage which is a subsidiary company with maximus education. ( XXXX. ) Account # XXXX with a current balance of {$1500.00} opened on XX/XX/XXXX, states that the account is open with Aidvantage. ( XXXX. ) Account # XXXX with a current balance of {$1100.00} opened on XX/XX/XXXX, states that the account is open with Aidvantage. ( XXXX. ) Account # XXXX with a current balance of {$460.00} opened on XX/XX/XXXX, states that the account is open with Aidvantage. Current total balance is {$8000.00}. 

Account number XXXX with a balance of {$4800.00} was discharged with a balance of {$4700.00} all XXXX credit bureaus are still reporting this cancelled debt on my credit report as of XX/XX/XXXX. 

Account number XXXX for the balance of {$1500.00}, {$1100.00}, and {$460.00} were discharged with a balance of {$3100.00} all XXXX credit bureaus are still reporting this cancelled debt on my credit reports as of XX/XX/XXXX. 

When a debt is discharged, no one may make any attempt to collect a debt from the debtors. Creditors can not sue, garnish wages, assert a deficiency or otherwise try to collect from the debtors personally on discharged debts. Creditors who violate this order can be required to pay debtors damages and attorney fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: OH

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FULTON FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I had an unauthorized transaction for {XXXX  with XXXX XXXX  and an unpaid goods or service with XXXX XXXXmy bank makes me feel like my funds arent safe ..they froze my account before and they denied any dispute I submitted which makes me feel like Im better off keeping my money in my pocket..everything is fraud and sometimes they treat their customers like they do fraud and Im a good customer until I have a problem with a transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Hello, I am enrolled in autopay and my last auto payment on XX/XX/2024 was over the outstanding balance in my loan. I now have a credit {$89.00} in my account. 

On XX/XX/2024 I called to request reimbursement for the over auto payment, but the call representative was unable to complete the request and then mysteriously could no longer hear me in the call and hung up. 

I seek reimbursement for the {$89.00} overpayment and close my account. 

Thank you, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-25 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am reporting a fraudulent inquiries found in my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
ONEMAIN FINANCIAL OVER CHARGED ME ON A {XXXX LOAN, WHEN I CALCULATED THE PAYOFF IT WAS {XXXX} & THIS IS NOT RIGHT TO DO CUSTOMERS THIS WAY SO I THINK IT'S ONLY RIGHT TO COMPENSATE EACH & EVERYBODY THAT WAS DONE LIKE THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: IN

Complaint narrative:
I am requesting that it will be removed from my credit report 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 2024-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: DISCOVER BANK
State: FL

Complaint narrative:
Since last year I have had problems at work and with my wife who got sick and I had to face the expenses of everything in my house alone and I can't afford to continue paying the cards. I have tried but it is impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the fair credit reporting and XXXX  account # 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 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

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 2024-01-25 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: NJ

Complaint narrative:
In accordance with the fair credit reporting and XXXX  account # 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to express my frustration regarding the lack of action on the fraudulent accounts present on my credit report. Despite multiple attempts to dispute and submit complaints, I have not seen any progress in their removal. 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 if the fraudulent accounts are not promptly removed, I will seek legal counsel. I believe their inclusion violates my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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 sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation