vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-14 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:
I have submitted disputes to XXXX on XX/XX/2023, I have provided all documentation to prove my claim, and it has not been fixed. XXXX is showing that I have open student loan debt totaling {$120000.00}, which is incorrect and I have been disputing this information multiple times. 

My current student loan balance is {$29000.00}, As part of President Joe Biden Student Loan Forgiveness Program, {$31.00}, XXXX under the one-time account adjustment. The remaining balance of all loans is {$29000.00}. I DO NOT HAVE ANY LOANS UNDER FEDERAL LOAN SERVICING, they are closed- paid in full/ and some are now being serviced by XXXX. Please update this information. 

Also, Many of these loans dates are well over 10 years being reported, the orginal dates are incorrect and keeps being duplicated and reported as duplicated balances. 

I am so tired of going over this time and time again. I send documentation over and over again this still has not been corrected.

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 2023-10-14 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:
I have submitted disputes to XXXX on XX/XX/2023, I have provided all documentation to prove my claim, and it has not been fixed. XXXX is showing that I have open student loan debt totaling {$120000.00}, which is incorrect and I have been disputing this information multiple times. 

My current student loan balance is {$29000.00}, As part of President Joe Biden Student Loan Forgiveness Program, {$31.00}, XXXX under the one-time account adjustment. The remaining balance of all loans is {$29000.00}. I DO NOT HAVE ANY LOANS UNDER FEDERAL LOAN SERVICING, they are closed- paid in full/ and some are now being serviced by XXXX. Please update this information. 

Also, Many of these loans dates are well over 10 years being reported, the orginal dates are incorrect and keeps being duplicated and reported as duplicated balances. 

I am so tired of going over this time and time again. I send documentation over and over again this still has not been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX  XXXX XXXX XXXX XXXX XXXX {$24000.00} XXXX  XXXX XXXX XXXX XXXX XXXX {$23000.00} XXXX  XXXX XXXX XXXX XXXX XXXX {$13000.00} Has Violated my rights. 15 U.S.C,1681 section 602 A States I have the right to privacy. 15 U.S.C,1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without written instructions. Discrepancy with the ( amount being reported ), ( dates being reported ), ( Item Numbers being reported ), and ( Item descriptions being reported ).

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 2023-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
My email and phone number has been compromised Truist on XX/XX/XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all with unauthorized transactions Email, phone number, Social Security numbers, logins and passwords. Have all been compromised. 
Please HelpMe

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 2023-10-14 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14 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: NY

Complaint narrative:
this information is inaccurate and I keep providing proof and these credit bcompanies aren't doing there job to update this information, its stressing me out ... ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14 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: EQUIFAX, INC.
State: NY

Complaint narrative:
this information is inaccurate and I keep providing proof and these credit bcompanies aren't doing there job to update this information, its stressing me out ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
CFPB COMPLAINT : XXXX This is to formally notify you that 30 days after you receive my initial complaint on XX/XX/2023, you are required to respond, not 60 days. 

According to the Fair Credit Reporting Act, you must respond within 30 days of receiving my dispute letter ; otherwise you will be in violation of the law and may be investigated by the Federal Trade Commission.

I understand you may have overlooked this among other disputes. However, I trust you will respond promptly to resolve this issue. 

This is the initial complaint filed with CFPB COMPLAINT : 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 2023-10-14 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: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with fraud alerts or security freezes — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
XX/XX/2021 I called one main financial and spoke to XXXX in the fraud department because a credit card came to my home that I did not order. That week I was getting multiple letters from creditors saying they were unable to verify I was applying for loans therefore I knew I had been the victim of identity theft and they closed the account and the very next day they opened a line of credit in my name for XXXX. It was done online and e-signed and they did not verify my identity. They sent the check to a Post Office box and they did not verify my phone number. There was a different address and 2 different phone numbers provided that did not belong to me. They are now suing me for {$12000.00} because I did not pay the loan. I have been trying to work with them for 2 years. I have filed 3 identity theft reports and I also filed an incident report with the police department. They did not want to do a police report because they do not know who the perpetrator is. I did everything they asked me to and this is now going to trial. They also reported me as being in default to all 3 credit bureaus the credit Bureau removed the incorrect information including the address and phone number but my report is still affected due to the default.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I contacted XXXX to remove these hard inquires from my credit file and XXXX refuse to remove it from my file. I did not authorize these hard inquires on my report and i explain this to XXXX as well as provided a police report. there are also accounts on my file that i do not recognize that i have asked to have removed from all three of my credit files. The inquires and accounts still remain on my credit file. Here are the inquires as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I contacted XXXX to remove these hard inquires from my credit file and XXXX refuse to remove it from my file. I did not authorize these hard inquires on my report and i explain this to XXXX as well as provided a police report. there are also accounts on my file that i do not recognize that i have asked to have removed from all three of my credit files. The inquires and accounts still remain on my credit file. Here are the inquires as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-10-14 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: FL

Complaint narrative:
CFPB COMPLAINT : XXXX This is to formally notify you that 30 days after you receive my initial complaint on XX/XX/2023, you are required to respond, not 60 days. According to the Fair Credit Reporting Act, you must respond within 30 days of receiving my dispute letter ; otherwise you will be in violation of the law and may be investigated by the Federal Trade Commission. I understand you may have overlooked this among other disputes. However, I trust you will respond promptly to resolve this issue. This is the initial complaint filed with CFPB COMPLAINT : 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 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
A derogatory Collection/Chargeoff keeps coming up in my credit reports from XXXX XXXX XXXX  XXXX Is says it was bought from XXXX XXXXXXXX XXXX XXXXXXXX XXXX and shows the balance being {$750.00} I don't recall any dealings with XXXXXXXX XXXX XXXX XXXX ever. 

I've ask for proof or original account for over a year and nothing has come of it and continues to show up in my credit reports. 

I have never received any correspondence from XXXX XXXX XXXX to ever try to collect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One Auto finance charged off a car in XXXX of 2019. According to the Fair Credit Reporting Act, when a creditor has written the account off as a loss the account is closed to future charges. Since I have recently disputed this account it now appears that I have 2 charged off reposessions. I would like this removed XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: National Credit Systems,Inc.
State: NH

Complaint narrative:
XX/XX/XXXX 30 day notice XXXX XXXX XXXX XXXX. XX/XX/XXXX spoke to XXXX XXXX XXXX from XXXX XXXX sheriff department where he told me no writ of positions or eviction given to him on my behalf. XX/XX/XXXX storage unit rental agreement n deposit for new house dated XXXX with all due respect please see attached sec8 voucher policy if I owed any or that money they ( XXXX  ) would of reported to my sec 8 voucher but they never did this is all conspiracy by XXXX XXXX XXXX XXXX and XXXX attorneys XXXX siblings due to retaliation in attempt to destroy and sabotage my credit XXXX XXXX  attorneys set me up idue to complain filed on the XXXX  that fell in my favored back in XXXX this is retaliation. They placed eviction stickers on my appt 5 months after I moved in attempt to humiliate me. Not to mention the harassment and calls all day by creditor. I have att I did not pull up call log but can if needed. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Jp morgan card services put an incorrect inquiry on my credit report. I called and explained to them that I hadnt recent applied for a credit card and to not let anymore credit inquiried happen without 3 stage verification. They allowed another inquiry to take place the following day. When I called back to complain to them they stated they cant stop a fraudster from applying for new cards and I explained to them the technology is available for 2 step verification and this shouldnt be going back on my credit report again and again.. i had already placed a fraud alert on my 3 credit reports prior to the seconf inquiry and they were just allowing this to happen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: MN

Complaint narrative:
I have received only a couple of calls from Credence Resource Management claiming I owe money. {$78.00}. I have asked them to send me the actual bill or have the original company call me. No one can seem to prove to me beyond a reasonable doubt that I owe this money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX : I completed SAVE application to begin paying loans for the education I received. Note that I am approved for {$0.00} payments until XX/XX/XXXX, which is 15 months from the time this application was completed. Said differently, I am not required to pay anything for another year due to my situation. 

XX/XX/XXXX : XXXX weeks after my SAVE application had not been finalized by Nelnet and 3 weeks since their last update on my application, I submitted a CFPB Complaint regarding the change in my plan, monthly payments, and for clarification on any information they may require for me. Note that Nelnet promised they would provide 10 day updates and it had been 3 weeks since their last update. 

XX/XX/XXXX : Nelnet responds with completely misdirected information about my current plan, all of which I am fully aware of. They provided no helpful information related to my CFPB Complaint. They proceed to tell me my current payment which I already know through my account and do not need any specialized advice for. The complaint I submitted previously should not have been closed because no useful information came out of Nelnet 's response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 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: Early Warning Services, LLC
State: TX

Complaint narrative:
I have contacted XXXX XXXX and Early warning system about incorrect inaccurate information reporting on my consumer report regarding bank accounts opened by identity theft. I have sent each data furnisher a police report, federal trade comission identity theft affadavit, formal dispute and supporting identification documents. The bank accounts are still being listed on my consumer report regardless of the police report being supplied showing them that I was a victim of identity theft in the past. I am asking for assistance in getting this information blocked and remove per Federal Law FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: OR

Complaint narrative:
I opened a " virtual checking account '' with PNC Bank because I figured like every other financial institution these days, brick and mortar or otherwise their virtual account would come with a virtual card. I deposited my paycheck {$750.00} with PNC Bank and the date it gave me it would be posted would be the XXXX. When I realized they PNC Bank no virtual card on their " virtual account '' I messaged PNC Bank to bring up to them that every aspect down to the name of the account type was incredibly misleading. I had been directed to them from a paid blog claiming they had a deposit bonus ( disappeared after opening account ). I go to check my balance on PNC 's site the XXXX and there is only {$.00} cents in my account. I had made no other transactions with the exception of my deposit. I messaged a second time inquiring about where all the funds had gone and why my account has a balance, but not a correct one. PNC customer service claimed that my deposit was on hold to make sure the funds were going to clear .... With the XXXX XXXX XXXX check I deposited. I confirmed with her that really was their claim and she being told again it was too make sure it cleared I asked why there was XXXX XXXX in my account. She didn't have a response. The midst information I was able to drag out of PNC was when I asked if that XXXX was from the deposit I was told yes. I asked how that was possible if they had to wait for it to clear and inquired about why she was being dishonest with me. She ended the chat on me. Not only was PNC incredibly rude and smug in dealing with me, blatantly misleading and lied to me directly that's not even the most surprising thing. That would be the fact it's now it is the XXXX without the rest of my paycheck becoming available or out any answers to my incredibly valid questions. I hope my experience can save someone else the terrible and frustration of dealing with these scam artists dressed up like a financial institution, because now I have extra charges on my rent and other bills for being late on them and the amount for that keeps going up the longer they have my money I worked for in imagination land. I would love to be reimbursed for the late fees I'm

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC.
State: NJ

Complaint narrative:
I want to file an irregularity complaint about a report to the credit bureau on a collection account from the company called Exeter Finance LLC. This contract between this company and the original owner XXXX XXXX started on XX/XX/XXXX, with account number : XXXX, on a XXXX brand car, model ; XXXX, XXXX XXXX. From that date, the vehicle was paid regularly for two years but in XXXX XXXX XXXX XXXX, the place where she worked was closed and it was very difficult for her to get a job to be able to pay her obligations or commercial commitments and she began to fall behind with it and then came the Corona virus19 Pandemic, this does not justify the delay in your payments but this vehicle described above was recovered ( through repo cars ) by Exeter Finance LLC and we are sure it was sold to another client. The collection agency is XXXX XXXX XXXX XXXX, file # XXXX. Our question is ; is this legal? 
XXXX XXXX and XXXX XXXX XXXX XXXX ( Co-signer )

Company response to consumer: Closed with explanation