vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-13 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: IL

Complaint narrative:
I recently received a copy of my credit report and found that you are illegally reporting inaccurate information about me, The following alleged account is listed as a collection with PAST DUE balance of XXXX under account name of XXXX XXXX XXXX this is a violation the FCRA and metro 2 compliance reporting standards.

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 2024-02-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Check # s XXXX and XXXX were written out to two different commercial entities. PNC paid out on these checks even though they were deposited in the wrong accounts by someone who stole them. They have given me the run around about their mistake for 2 months. They instructed me to go their local branch and fill out a notarized statement which I did. They mailed me a response that said I filed the wrong paperwork and that I need to get the proper recipients of the checks to sign a notarized statement that they had never received the checks and I have 20 days to this. After 2 months of their incompetence I have wasted enough time. 

They made the mistake not calling me when they received the checks to ask whether they were cashed via photostatic copies incorrectly. They have wasted my time and I am not happy with the service. I had checks stolen from my mailbox from another bank and they immediately refunded any incorrectly cashed checks!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: GA

Complaint narrative:
I recently noticed a fraudulent account on my credit report from XXXX XXXX XXXX, account # XXXX, opened on XX/XX/2019 with original balance of {$890.00}. 
I did not authorize this account and it is not mine. Identity theft report filed and included.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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: EQUIFAX, INC.
State: SD

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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: SD

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-02-13 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:
XXXX XXXX XXXX reported the XXXX late payment to my credit report and ruined my credit. 
I am in the middle of the mortgage process and I am losing my home due to this issue. 

Attached, you will find a copy of the letter received from XXXX XXXX XXXX ( XXXX ), indicating their decision not to remove the late payments from my credit report. Additionally, I have forwarded another letter to XXXX XXXX requesting a reconsideration of their decision. 

Allow me to explain the situation at hand. 

On XX/XX/2023, I canceled my XXXX service agreement, anticipating a refund of {$2200.00} to be credited to my XXXX account. I was under the impression that this refund would cover my monthly payments. Regrettably, it was only after contacting XXXX XXXX XXXX ( XXXX ) following the holiday period that I became aware of a missed payment. Subsequently, I promptly made the payment. However, despite updating my account to reflect my current status, XXXX did not delete the XXXX late payment for XX/XX/2023 from my credit report. Attached, you will find my XXXX account transaction history. 

There was no indication, verbally or in writing, that the refund would only be allocated towards the principal rather than both principal and interest. Moreover, there is no mention of such terms in the cancellation agreement ( attached ). 

While XXXX has updated my account to reflect a decrease in overall debt, resulting in a slight increase in my credit score, my current Experian mortgage credit score stands at XXXX ( I need min XXXX, and no late payments on my record ). 

The dispute process may take a long time to resolve, and I believe it is unfair that I am losing my home because of this mistake. This does not accurately reflect my creditworthiness ; rather, it reflects my naivety I eagerly await your guidance and any additional requirements you may have. Your assistance in resolving this matter is greatly appreciated. 

Thank you for your attention to this pressing matter. I am looking forward to hearing from you. 

Warm regards, 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
Consumer complaint received 2024-02-13 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: GA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-02-13 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
Affirm is a buy now, pay later like all the others. I used them, and they started reporting on my experience report. I never agreed to this, nor have they supplied me with information stating this. I would have never done business with them if they had let me know this. This is a violation. I want them to stop immediately reporting to the Experience credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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 am submitting a complaint against TransUnion regarding their repeated failure to adequately address my dispute letters regarding inaccurate items on my credit report. I sent these dispute letters on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In each dispute letter, I included copies of my photo ID, social security card, and a recent bill with my current address to assist TransUnion in verifying my identity and address. 

However, I received identical responses from TransUnion on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, stating that they couldn't process my requests as it didn't appear that they were sent directly by me or an authorized third party. This consistent failure to properly investigate my disputes violates the Fair Credit Reporting Act ( FCRA ). 

Enclosed with this complaint are copies of all my dispute letters sent to TransUnion, along with their responses, as evidence of my repeated attempts to resolve this matter.

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 2024-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-02-13 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: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-02-14 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello. I have already sent you letter about this account. This account never belong to me, I have no idea where is coming from. I believe that someone used my personal information. 
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
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX, XXXX and Experian have 2 addresses reporting on my credit report that do not belong to me : XXXX. XXXX XXXX XXXX, XXXX GA XXXX ; and XXXX. XXXX XXXX XXXX, XXXX XXXX GA 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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX : My XXXX Loan Balance with Dept of Ed/Nelnet of {$140000.00}. 
XX/XX/XXXX : I received a refund check from Dept of Ed for overpayments made on XXXX loan. 
XX/XX/XXXX Nelnet reported to all three credit bureaus that my balance was still {$140000.00}. 
XX/XX/XXXX Nelnet reported to all three credit bureaus that my balance was still {$140000.00}. 
XX/XX/XXXX : I submitted a credit report dispute with all three credit bureaus. 
XX/XX/XXXX : I received a response that there was no error in the credit reporting and my dispute was closed. 
XX/XX/XXXX. I submitted a credit report dispute for the SECOND time along with proof of XXXX balance to all three credit bureaus. 
XX/XX/XXXX Nelnet reported to all three credit bureaus that my balance was still {$140000.00}. 
XX/XX/XXXX I received a response to my dispute that there was no error in the credit reporting and that my dispute was closed. 
XX/XX/XXXX I contacted Nelnet directly to inform them that my disputes were being ignored and that my credit report is incorrect. I was told that they would correct it and report my XXXX balance to all three credit reporting agencies by XX/XX/XXXX. 
XX/XX/XXXX Nelnet reported to all three credit bureaus that my balance was still {$140000.00}. 
XX/XX/XXXX I received a letter from Nelnet stating that " All credit reporting is valid and accurate ''. 
Today, XX/XX/XXXX my balance has been XXXX for a total of four months and Nelnet is still reporting to all three credit bureaus that my balance is {$140000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon checking my credit report, I noticed an inaccurate negative information with XXXX of my accounts. I've been trying to fix this error with the Bureaus but nothing changed. Please see attached file below.

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 2024-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-02-13 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Overdrafts fees and charges

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 2024-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NJ

Complaint narrative:
i just received a notification on lending tree stating my credit score decreased due to Jefferson Capital System reported inaccurate information on my credit report XX/XX/XXXX that i owe an outstanding balance of {$2100.00} and the account was opened on XX/XX/XXXX. i was just released out of XXXX XXXX XX/XX/XXXX i have no employment as of yet theres no way this is me and i never did any business with this company nor had any acknowledge that company existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: MO

Complaint narrative:
Mark as duplicate well each complaint has its own merit AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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