vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
TransUnion and XXXX have incorrect amounts, that are and have been paid in full, on my credit report. TransUnion and XXXX have been notified of the inaccurate information at least 4 times for the XXXX XXXX account that has been paid. It should be noted that collections accounts were paid on XX/XX/2022, and that I have subsequently disputed 6 collections accounts with an average of 4 disputes per collection account corrected of inaccurate information. When I filed the dispute for XXXX XXXX, after paying off the account over 45 days ago, TransUnion duplicated the collections account and left it on there even after being notified 4 time through dispute that the original amount has been paid. TransUnion removed the duplicate amount of the full collection duplicated amount, and posted a duplicate XXXX XXXX  account with the difference between the offered settlement, which I paid, and the total collected amount. There is no way that TransUnion could know the difference unless they knew the account was paid. I have it on recording that the settlement offer will reflect paid in full. This in no way justifies TransUnion taking on average of over 4 months to correct inaccurate information. This in no way justifier TransUnion purposely administering targeted discrimination against me. I have filed a previous complaint regarding exactly this scenario. Now we are almost half a year into correcting inaccurate information on my credit report. At this point disputes are incurring me retaliatory charges. I submit that TransUnion and XXXX are engaged in illegal and discriminatory business practices and I desire to follow up to the full extent of the law. If TransUnion and XXXX have inaccurate information, especially after being notified 28 times ( 7 accounts 4 disputes each ), for half the year, then what good are they? Do other people have to file 4 disputes each on accounts paid? Do other people have to wait 6 months to have inaccurate information removed? Are TransUnion and XXXX currently engaged in discriminatory business practices directed at me? Im going to file a complaint with the State as well. This is highly unusual business practices, and the amount of time to correct paid accounts is completely unacceptable. The targeted retaliation is icing on the cake

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 2023-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-12 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: KS

Complaint narrative:
I have attached a memo with my statement. My identity was stolen in XXXX, having 4 student loans taken out. The other 3 were removed from my credit report between XXXX. I did not realized the XXXX loan because my Uncle, ( XXXX XXXX, deceased ) and my Mother ( XXXX XXXX, deceased ) were the primary and secondary applicant. I was listed as STUDENT, so it was never on my credit report. I was XXXX XXXX XXXX XXXX as the time when my mother called me and said she, " Couldn't keep paying this bill. '' I didn't know what she was talking about but she said it was a student loan, so I began paying it as well ( I was not in the country at the time ). Once I got back to XXXX  XXXX, I saw paperwork and had no idea what this loan was. I asked for the promissory note and immediately saw that it was not my signature ( see attached document ). I called the police who told me that it was 12 years ago and instead of filing a police report to contact the XXXX  State Attorney General ( see attached document ). XXXX will not process it because I only have signatures from now and my son 's XXXX birth certificate ( see attached document ). They attest that they need a signature from XXXX ( I don't have one ). They also contest that they need a police report ( the XXXX  State Attorney General document supersedes the police report ). They also contest that because payments were made it is 'ratified. ' Payments made from my mother ( early stage XXXX XXXX and XXXX ) were because she was bullied/frightened into making them. Payments by me were based on my mother 's statements and my unawareness of the situation and do not constitute acceptance. I have three student loan companies, ever : XXXX, XXXX and XXXX XXXX. That's it. If you look at the 2 pages after my XXXX XXXX, you can see screenshots of " my '' XXXX account. It is blank because not only was it fraud, but I am the STUDENT and not either the primary or secondary applicant. This was removed from my credit report in XXXX XXXX, after my mom died, by XXXX because the person on the phone said, " Even if it wasn't fraud, you are not liable because you are the STUDENT. '' XXXX has since put it back on my account and have me listed at the Primary co-signor which is not true, I never signed anything, it is not my signature, clearly seen by ALL OF THE EVIDENCE that I have submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENOVA INTERNATIONAL, INC.
State: NC

Complaint narrative:
Netcredit attempted to charge me XXXX percent interest, and have not provided paperwork showing where they were allowed to charge me beyond the legal limits of the state of Florida. I request Netcredit to provide me with documentation showing they were legally allowed to bind me to a contract at XXXX percent in the state of Florida in 2000.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
The payment history on the accounts listed below are incorrect. These are all accounts with the US Department of Education. Accounts : # XXXX # XXXX # XXXX # XXXX They ALL are showing incorrect payment history. 
Account Number XXXX with a balance of {$6500.00} is showing as current with Charge Off history in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX. Aside from this it shows no late payments all on time. This is INACCURATE. 
Account Number XXXX with a balance of {$2100.00} is showing as current in XX/XX/XXXX, XXXX and XX/XX/XXXX, XX/XX/XXXX, and XXXX of XXXX. The rest of the payment history shows XXXX off or 120 days past due. This is INACCURATE. 
Account Number XXXX with a balance of {$3800.00} is showing as current in XX/XX/XXXX, XXXX and XX/XX/XXXX, XX/XX/XXXX, and XXXX of XXXX. The rest of the payment history shows XXXX off or 120 days past due. This is INACCURATE. 
Account Number XXXX with a balance of {$4900.00} is showing as current in XX/XX/XXXX, XXXX and XX/XX/XXXX, XX/XX/XXXX, and XXXX of XXXX. The rest of the payment history shows XXXX off or 120 days past due. This is INACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
my data was breached twice once thru equifax and XXXX XXXX.and i believe and someone hacked into my phone and is impersonating me. i filed a report last nite in regards to my bank. they took my acct over including my debit card. put it on XXXX pay publicly then put some lock on it so i cant get into it. when i looked at what i wrote to u last nite they changed it. also i filed an equifax claim for the data breach nevet heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting a free copy of my report and all information in this matter. 

The fraudulent accounts are as follows : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX/DEPT OF ED, XXXXDEPT OF ED, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I reviewed my consumer reports and noticed I have inaccurate late payments on one of my accounts. Consumer Reporting agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with maximum accuracy. The account I am referencing is XXXX XXXX and XXXXt. I made a payment for {$1900.00} on XX/XX/XXXX, my monthly car payment is only {$330.00}. My payments for XX/XX/XXXX and XX/XX/XXXX were paid for yet XXXX is showing as paid and XXXX is showing missed. Neither month was missed. 

{$900.00} was paid of XX/XX/XXXX, yet XXXX is showing as 30 days past due. Again this is inaccurate, the payment on XX/XX/XXXX covered both months. 

I also paid {$630.00} was on XX/XX/XXXX, which my statement reflects, yet it was also reported that {$0.00} was paid on XX/XX/XXXX, resulting in XX/XX/XXXX and XX/XX/XXXX were inaccurately reported as late payments. 

Please investigate and provide proof with statements showing that these payments we're late, if proof can't be provided I need these payments to be updated to on time as they should be as I was not late on the provided dates. 

Thank you for your assistance.

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 2023-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: W&A Intermediate Co., LLC
State: CO

Complaint narrative:
I was summoned to appear about a debt collector trying to collect a debt. The Complainant was Wakefield And Associates who added another party, XXXX XXXX XXXX XXXX, to a case which she had no involvement or part of. We were given up to 75 days by the courts to choose a mediator to try and come to come to some type of resolution, but when we contacted the debt collector to inform them that we had chosen a mediator from a list of mediators that excepted a court waiver, we were told the debt collector would not except our mediator and wanted to use their own mediator who had previously worked with them which would be unfair to me. I went back to court and wanted the Judge to appoint a mediator but the judge conspired and decided they didn't want to be bothered with the case. I am on XXXX at the time and Social Security XXXX XXXX and have limited resources. I feel by attaching XXXX XXXX to my personal debt is a violation of her privacy and some civil action will be taken if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
Received a phone call from number XXXX claiming they were Bank of America Fraud Dept. They provided a reference number to use in the message they left when I missed their initial call. The message said to call them back at number XXXX. They claimed a Bank Americard Master Card was applied for in my name and wanted to verify that it was me. I informed them that I had not applied for that card. They put me on hold a couple of times to verify things. It all seemed legitimate until the last hold where the female representative came back on and said that the application was cancelled and to check for other applications entered under my name, they needed my social security number and date of birth. At this point I said I was not giving out that information and ended the call. Not sure if this was legitimate or not, but tend to believe that it wasnt due to the request for my SS number.

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 2023-04-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I sent NationStar mortgage llc ( Debt Collector ) a notice of validation of debt in accordance with the FDCPA. I did not receive the proper information to satisfy my legal request concerning a XXXX dollar debt I allegedly owe. XXXX XXXX has notified me that NATIONSTAR MORTGAGE LLC/D.B.A Mr. Cooper is a debt collector and is servicing my loan. I would like Nationstar llc/Mr cooper to provide me sufficient evidence or information concerning the validity of this loan/ alleged debt in accordance with FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
LVNV and XXXX are reporting very different things on my credit report about account XXXX. I have tried in the past to have this corrected and all I get is invoices in the mail from accounts from an address I never lived at. 
I want this account removed from my credit report for inaccurate information, inconsistent information, and unverified information. As you can see, everyone is reporting something different about the same account. All have different open dates, the balance is different on all of them, the report dates are different on all of them, the active dates are different on all of them, and they all show different payment history. How can everyone be reporting something different about the same verified account? They can all be wrong, but they can't all be right!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please look at the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Wells Fargo closed my business secured credit card. I have XXXX savings to cover the secured card. They charged interest and an over draft fee even though they closed it over 30 days. I contacted them and told them to take my {$1000.00} because at closing I only had a balance of {$970.00} which is less than my security deposit. They owe me money.

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 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: SC

Complaint narrative:
Hello, I never received my original contract with my wet signature and I never signed a contract with XXXX AND XXXX and they have failed to validate the debt. You have violated and compromised my private information according to the XXXX XXXX. Please send me copies of the original contract with my signature. If you can not find any of the info above immediately remove this account from my credit report. I have attached 2 pieces of information for proof of my identity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX of XXXX, I mailed a letter to Equifax, XXXX, and XXXX to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an update credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: RI

Complaint narrative:
I received an email from Paypal indicating that they received a request from me to make a payment from my account. I do not have a Pay Pal account and did not request this payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/2023 I sent Experian a letter informing them of unauthorized collection on my consumer report. I requested them to be removed from my consumer report they have not responded back to 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 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Look at the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX of XXXX, I mailed a letter to XXXX, XXXX, and Transunion to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an update credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).

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 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX of XXXX, I mailed a letter to XXXX, Experian, and XXXX to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an update credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).

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