vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-26 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: FL

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 accounts. It would mean a lot to me if you could assist in removing the following 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 2024-03-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: DC

Complaint narrative:
I obtained a private student loan from XXXXXXXX XXXX, which was later sold to Firstmarc Services without my knowledge. Unfortunately, there was a mishandling of paperwork during the transfer process, resulting in Firstmarc Services initiating the repayment schedule before my graduation, contrary to the original terms of the loan. Consequently, my case was forwarded to a debt collector who incessantly contacts me. Despite numerous attemptsmore than XXXXto resolve this matter with Firstmarc Services, they have been unable to rectify the situation, acknowledging their error in starting repayment prematurely. However, their customer service is notoriously difficult to reach and provides no actionable solutions. As a result of this ordeal, my credit report now reflects delinquency, tarnishing a previously excellent credit score. I find myself without a clear path forward to resolve the loan issue and restore my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to formally dispute an inaccurate late payment entry appearing on my credit report. Upon reviewing my credit report, I discovered that there is a late payment recorded.

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 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.

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 2024-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
account was frozen XX/XX/XXXX unknown to me. made a cash deposit of {$500.00} on XX/XX/XXXX. went to use my card and see that my account was frozen on XX/XX/XXXX and that there is a restriction on funds going in and out. but yet I was able to load {$500.00}. called customer service and am told there's nothing they can do until such and such team reviews my account. ask to be connected to said team, and am told I can't. ask for a phone number or email for that team and am told there isnt one. ask to speak to a supervisior and am told there isn't one.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
his serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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 2024-03-26 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: FL

Complaint narrative:
I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort. 
The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! 

Your agency is in violation! 
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 15 U.S.C 1681c. ( 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. 
Delete this at once! 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: FL

Complaint narrative:
I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort.

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here!

Your agency is in violation!

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 15 U.S.C 1681c. ( 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.

Delete this at once!

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: GA

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Mercury Technologies, Inc.

Complaint narrative:
I relied on the XXXX bank known as Mercury to send an ACH transfer to another XXXX bank account ( XXXX ) on XX/XX/XXXX. 

XXXX has a limit of monthly incoming funds ( which I wasn't aware of ) that prevented the transfer to be correctly received, so they sent it back that same day ( XX/XX/XXXX ). Today ( XX/XX/XXXX ), almost 30 days later, I have no clue where my money is. 

The {$5000.00} never reached my Mercury account again even though XXXX correctly proved ( the proof file is attached to this complaint submission ) that the money was actually sent back. 

After many days and many emails to the support team, Mercury hasn't been able to even suggest what might have happened. They haven't provided any XXXX  for a resolution, nor any explanation or compensations. It seems that they are just waiting for me to forget that they lost my {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently checked my report and noticed inaccurate accounts reporting. I did file FTC report and nobody has yet to help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There are inaccurate account information on my reports that do NOT match with my records or with other consumer reporting agencies thus proving the inaccuracy. See attached exhibits. The XXXX [ Account # XXXX ] has a payment status inaccuracy where one agency is reporting 120 days late and another 150 days late while also having unmatching monthly payment status. See XXXX exhibit attached below. Next is the XXXX XXXX [ Account # XXXX ] is showing not a single late payment on XXXX which matches my records but Transunion and XXXX is reporting monthly 30 day lates which does NOT match my records.

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 2024-03-26 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: PA

Complaint narrative:
There are inaccurate account information on my reports that do NOT match with my records or with other consumer reporting agencies thus proving the inaccuracy. See attached exhibits. The XXXX [ Account XXXX XXXXXXXX ] has a payment status inaccuracy where one agency is reporting 120 days late and another 150 days late while also having unmatching monthly payment status. See XXXX exhibit attached below. Next is the XXXX XXXX [ Account # XXXX ] is showing not a single late payment on XXXX which matches my records but XXXX and Equifax is reporting monthly 30 day lates which does NOT match my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXXXXXX XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( 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 non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: 2288984 Ontario Inc.
State: AZ

Complaint narrative:
I received a {$600.00} credit line, the first payment was in the amount of {$78.00}, in XXXX XXXX, then the following payment as ACH in Line of Credit Summary Credit Limit Current Balance info Available Credit {$600.00} {$720.00} Balance Due {$40.00} available credit line Make a Payment Request a Draw Account Summaryactioncarot Last Statement Date : XX/XX/XXXX Minimum Payment Due : {$110.00} Payment Due Date : XX/XX/XXXX Pending Draw Requestinfoactioncarot -- -- Recent XXXX XX/XX/XXXX Payment ( {$110.00} ) XX/XX/XXXX Draw {$600.00} XX/XX/XXXX = Credit Limit : {$600.00} Outstanding Principal Balance : {$580.00} Available Credit : {$20.00} Minimum Payment Due : {$110.00} Due Date : XXXX XXXX XXXX Your Minimum Payment includes your Billing Cycle Charge and a {$20.00} Mandatory Principal Contribution to your Outstanding Principal Balance. Any Amount Past Due is not included in your Minimum Payment.

Amount Past Due ( Due Immediately ) : {$0.00} Previous Balance : {$740.00} New Balance : {$760.00} Fees ( Billing Cycle Charges ) : {$180.00} Advances : {$0.00} Payments and Credits : {$75.00} Fees ( Billing Cycle Charge ) : {$90.00}, XXXX payment/Balance : Credit Limit : {$600.00} Outstanding Principal Balance : {$600.00} Available Credit : {$0.00} Minimum Payment Due : {$110.00} Due Date : XX/XX/XXXX Your Minimum Payment includes your Billing Cycle Charge and a {$20.00} Mandatory Principal Contribution to your Outstanding Principal Balance. Any Amount Past Due is not included in your Minimum Payment.

Amount Past Due ( Due Immediately ) : {$0.00} Previous Balance : {$650.00} New Balance : {$740.00} Fees ( Billing Cycle Charges ) : {$90.00} Advances : {$0.00} Payments and Credits : {$0.00} Fees ( Billing Cycle Charge ) : {$90.00} So after all these payments, they are only applying XXXX to credit line and charging XXXX a month for fees and interest, and the balance keeps increasing! 

This is the most predatory type of lending I have ever seen. The agreement you sign has no way for a consumer to catch up, they keep adding to the balance as follows : The payment amount due each month is based on your balance, so since they keep adding to the balance, your payment is going to be higher each month, and they keep increasing the fees. If I took 12 months to payoff a {$600.00} credit line- their XXXX fee ( minimum ) XXXX XXXX  {$1000.00} fees for a {$600.00} loan. This is extortion predatory lending at it's worse. I will be happy to upload and provide you with the agreements, arbitration agreements to their favor, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-03-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Property Receivables, Corp
State: NC

Complaint narrative:
I received a letter about alleged money owed. I contacted the original debtor, who I cosigned for. She paid all owed to her prior apartment complex and there was a small fee owed. It turns out this company was NOT ever hired by the property management company to collect a debt. Their collection agency is someone else!! This is a fraudulent attempt to collect a debt. i have written evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I affirm that the presence of incorrectly reported late payment remarks on my accounts is a violation of 15 USC 1666. Each payment linked to these accounts has been promptly submitted, and any deviation from this accurate reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: SC

Complaint narrative:
Taxes were filed through them and reluctantly agreed to have refund be delisted into Cash app account due to the promotion of receiving it XXXX  days early. The refund attempted to deposit but Cash app sent it back and now I have bills left unpaid, services being shut off, and probably wont see the money for XXXX weeks or so. The customer support has been absolutely terrible and they ended up closing my bank account altogether after me constantly trying tonfind a way to get access to my money

Company response to consumer: Closed with explanation