vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-05 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: NJ

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 XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: NJ

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. 
XXXXXXXX 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 explanation
Consumer complaint received 2024-06-04 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: CA

Complaint narrative:
I received a copy of my credit report and I believe the following item of information to be inaccurate : Account Name : XXXX XXXX Account Number : XXXX I believe the following account on my credit report is reporting inaccurately and is incomplete. I believe the payment history and terms is inaccurate on the credit report. I ask that you investigate this account for completeness and accuracy and notify the furnisher that this item of information is being disputed. I also ask that you consider all relevant information I have included with this dispute.

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 2024-06-04 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: CA

Complaint narrative:
I received a copy of my credit report and I believe the following item of information to be inaccurate : Account Name : XXXX XXXX Account Number : XXXX I believe the following account on my credit report is reporting inaccurately and is incomplete. I believe the payment history and terms is inaccurate on the credit report. I ask that you investigate this account for completeness and accuracy and notify the furnisher that this item of information is being disputed. I also ask that you consider all relevant information I have included with this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I declared XXXX XXXX years ago, with a 100 % repayment plan. My student loan administered by Nelnet was included. My XXXX was XXXX a little over a month ago, after a period of time ( XXXX weeks ) for my creditors to tell the trustee if the debt was not repaid. Nelnet did not do this, as my bankruptcy was successfully XXXX. Today I got a bill from Nelnet saying that I still owe {$4400.00}. I called, and was told that there was a XXXX loan that was not included in the bankruptcy. I paid back nearly {$75000.00}, which is more than what my XXXX loans ( subsidized and unsubsidized ) were for at the time of bankruptcy was declared. I consolidated my loans, so there were no random {$4400.00} loans lying around. 
I called Nelnet today, and eventually spoke to an Account XXXX, and asked for details why they were claiming I still owed them money. They would not tell me which loan ( subsidized or unsubsidized ) was still not paid in full and they would not give me a name or phone number for my lawyer and Trustee to call. They told me that I have to go back to my lawyer and the Trustee to handle this, and my lawyer and the trustee have to call a XXXX phone number to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The company doesn't have a real call center with live representatives. There is no way to file for a dispute and it is still impacting my credit score. 
I tried all the options from the automated call system many times but I coudltn get to anybody. 
If they are not going to take the dispute, they shouldn't work as credit bureaus. 
Why do we need to get judged by these credit bureaus that don't even exist? They don't take calls and try to fix people 's credits on time. 
The collection is paid off and closed. And the collection agency said they updated my info on the XXXX XXXX XXXX XXXX  and it looks like Experian will never update my 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 2024-06-04 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting 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 2024-06-05 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: TX

Complaint narrative:
Equifax continues to violate consumer protection laws against me and I am concerned that my private information isn't safe and is in danger of identity theft, fraud, and trafficking due to the sharing and furnishing of my information. I requested to opt out of those activities but XXXX XXXX XXXX. continues to violate various transactional and privacy laws. I ask that the CFPB enforce actions against Equifax. Attached is demand affidavit and agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: TX

Complaint narrative:
XXXX Account Number- XXXX Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to abtain credit. it my understanding that the credit bureaus will investigate this account for me to ensure accuracy Please look into this matter for me thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S.Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S.Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In if, general after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete item or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file bf the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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:
This account is not mine and I asked for verification no responds from experian

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 2024-06-04 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: IL

Complaint narrative:
I am writing to inform you that I have recently discovered that my identity has been compromised, resulting in fraudulent accounts being opened without my knowledge or consent. I have taken the necessary steps to report this identity theft to the relevant authorities, including the Federal Trade Commission ( FTC ) and my local police department. Attached, you will find copies of my FTC identity theft reports and my police report for your records. I have also mailed a copy of these documents to XXXX and XXXX. I request that you investigate the following accounts and take appropriate action to remove them from my credit report, as they are the result of true identity fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Customer has not updated the balance on the account. Last update was Reported : XXXX. XXXX, 2024. Balance shows be {$16000.00}. Balance should be {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: CA

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

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 2024-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: MO

Complaint narrative:
I sent a letter asking to reinvestigate the accounts listed below I looked at my credit report for XX/XX/year> and noticed some things are incomplete and not accurate according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
Caine & Weiner # XXXX {$380.00} open dates are not reporting correctly, the date last active, date of last payment is not correct, wrong spelling of my name, charger offs, incomplete account numbers, inaccurate information, closed account. 
Caine & Weiner XXXX XXXX XXXX. XXXX FLOOR XXXX XXXX, CA XXXX | ( XXXX ) XXXX Can you look into this matter?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: TX

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.

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 response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I needed to dispute a collection so I went to their website, but I kept getting errors. So I called their call center and I realized that they hired a company and they have no access to fix any problem. They are there to just answer the phone. They can't talk to anyone who fixes the website or investigates a dispute. 
A collection agency that held my account said, they updated my information on the XXXX of XXXX, XXXX, but when I called XXXX, an agent from XXXX  said, my collection agency didn't update my information. I don't know who is lying and who is telling the truth. 
Also, I don't understand the system and why millions of us rely on them for investigation and decisions. If people pay off their debt, it should be all over without any hassle. But because there are credit bureaus, people have to wait for a second opinion for no reason. 

I feel like I get treated no better than those who don't pay their debt at all. My credit is going to be still bad for a long time no matter whether I paid or not just because the credit bureaus dont allow me to upload my document and they will go through their own investigation. 

When what kind of investigation takes XXXX days? They are not investigating something extreme cases. They just call the collection agency and ask if the balance has been paid or not. 

I wanted to talk with a supervisor or XXXX. The agent said, the supervisor will call me back so I waited all day doing nothing. There was no call. 

I feel like there is no way to dispute my collection after I paid {$XXXX}. They say I can mail my letter from my collection agency but what if it gets lost? And we live in XXXX and everyone has a phone. If I sent an email to them, it's almost instant. For some reason, they won't let me email my letter.

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 2024-06-05 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 Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-06-05 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: NJ

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: Self Financial Inc.
State: AL

Complaint narrative:
On XX/XX/XXXX, I noticed that SELF/XXXXXXXX XXXX had reported an account on my credit report without my authorization. According to 15 U.S. Code 1681b, a consumer reporting agency may furnish a consumer report only with the consumers written consent. I have never provided written consent for SELFXXXX XXXX  to furnish or obtain my credit information. Despite this, an account appears on my credit report, and I am not legally responsible for it. On XX/XX/XXXX, I contacted SELF/XXXX XXXX and the credit reporting agencies ( XXXX XXXX XXXX XXXX XXXX  to dispute this unauthorized account. I requested the removal of this account from my credit report, but it remains unresolved. I am seeking the assistance of the CFPB to have this unauthorized account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: TX

Complaint narrative:
XXXX XXXX XXXX Account XXXX - XXXX just got a copy of my credit report, I noticed that you are reporting this account incorrectly. This collection account is reporting not only as " OPEN, but also a past due balance of {$2600.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account upon completion

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 2024-06-04 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: IA

Complaint narrative:
Experian is the only bureau that shows a bankruptcy on my credit report. The courts do not report to them or anyone else. I have asked they verify the information from the courts. They say the company that they use has verified which they havent they have no way to. They refuse to delete this off of 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 explanation
Consumer complaint received 2024-06-04 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: CA

Complaint narrative:
XXXX says im 30days past due due which is hurting my credit when i have all proof i wasnt

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