vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have disputed with all three credit agencies multiple times to have my account XXXX. of XXXX updated to reflect a {$0.00} dollar amount and the account should be closed as XXXX without any negative comments. 
XXXX - I disputed on XX/XX/XXXX, report number XXXX and was success and account was closed. On XX/XX/XXXX, I received a notification via email that another investigation occurred in which I did not initiate report number XXXX resulting the account being reopened and the balance was updated as XX/XX/year> {$160000.00}. I called XXXX on XX/XX/XXXX and asked them if they had received the letter I attached with the dispute on XX/XX/XXXX. The representative found the later and stated she would resubmit the dispute report number XXXX. The same day, XX/XX/XXXX I received another notification the account was updated to reflect a {$0.00} dollar balance but has not been closed. Status shows : open/never late. 

XXXX - The same process occurred XXXX. XX/XX/XXXX, confirmation XXXX, completed XX/XX/XXXX, with the information updated and balance {$160000.00}. Called XXXX on XX/XX/XXXX, explained I sent the confirmed letter of my student loans were Forgiven. The representative saw the letter opened another investigation confirmation number # XXXX and advised I would receive the results in the mail. The results came and the account is updated as {$0.00} and closed, with inaccurate comments : student loan payments deferred. 

TransUnion - I have dispute ( XXXX ) times and results have been the same time updated and verified balance {$160000.00} as of XX/XX/year>. Prior to my dispute I asked to speak with a supervisor, not sure if I was transferred to one or not, but I spoke with XXXX and advised him that I have attached the letter that my loans are forgiven with XXXX XXXX  XXXX and my account should be reflect as {$0.00} dollar amount, paid and closed without and negative. He responded with they send the documentation to servicer to confirm. I found that hard to believe since the servicer being XXXX sent me the attached letter and has updated my account that student loans are forgiven so why am I having to go through so many obstacles to with the credit agencies to update my credit report with accurate reporting. XX/XX/XXXX, I received the forth dispute notification file number XXXX and it reads : INVESTIGATION RESULTS- VERIFIED AS ACCURATE AND UPDATED : Date updated : balance {$160000.00} as of XX/XX/year>.

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 2024-05-31 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: SC

Complaint narrative:
I have disputed with all three credit agencies multiple times to have my account XXXXXXXX XXXX XXXXXXXX updated to reflect a {$0.00} dollar amount and the account should be closed as XXXX without any negative comments. 
XXXX - XXXX disputed on XX/XX/XXXX, report number XXXX and was success and account was closed. On XX/XX/XXXX, I received a notification via email that another investigation occurred in which I did not initiate report number XXXX resulting the account being reopened and the balance was updated as XX/XX/year> {$160000.00}. I called XXXX on XX/XX/XXXX and asked them if they had received the letter I attached with the dispute on XX/XX/XXXX. The representative found the later and stated she would resubmit the dispute report number XXXX. The same day, XX/XX/XXXX I received another notification the account was updated to reflect a {$0.00} dollar balance but has not been closed. Status shows : open/never late. 

Equifax - The same process occurred Equifax. XX/XX/XXXX, confirmation XXXX, completed XX/XX/XXXX, with the information updated and balance {$160000.00}. Called Equifax on XX/XX/XXXX, explained I sent the confirmed letter of my student loans were Forgiven. The representative saw the letter opened another investigation confirmation number # XXXX and advised I would receive the results in the mail. The results came and the account is updated as {$0.00} and closed, with inaccurate comments : student loan payments deferred. 

XXXX - I have dispute ( XXXX ) times and results have been the same time updated and verified balance {$160000.00} as of XX/XX/year>. Prior to my dispute I asked to speak with a supervisor, not sure if I was transferred to XXXX or not, but I spoke with XXXX and advised him that I have attached the letter that my loans are forgiven with XXXX XXXX XXXXXXXX and my account should be reflect as {$0.00} dollar amount, paid and closed without and negative. He responded with they send the documentation to servicer to confirm. I found that hard to believe since the servicer being XXXX sent me the attached letter and has updated my account that student loans are forgiven so why am I having to go through so many obstacles to with the credit agencies to update my credit report with accurate reporting. XX/XX/XXXX, I received the forth dispute notification file number XXXX and it reads : INVESTIGATION RESULTS- VERIFIED AS ACCURATE AND UPDATED : Date updated : balance {$160000.00} as of XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: SC

Complaint narrative:
I have disputed with all three credit agencies multiple times to have my account XXXXXXXX XXXX XXXXXXXX updated to reflect a {$0.00} dollar amount and the account should be closed as XXXX without any negative comments. 
Experian - XXXX XXXXsputed on XX/XX/XXXX, report number XXXX and was success and account was closed. On XX/XX/XXXX, I received a notification via email that another investigation occurred in which I did not initiate report number XXXX resulting the account being reopened and the balance was updated as XX/XX/year> {$160000.00}. I called Experian on XX/XX/XXXX and asked them if they had received the letter I attached with the dispute on XX/XX/XXXX. The representative found the later and stated she would resubmit the dispute report number XXXX. The same day, XX/XX/XXXX I received another notification the account was updated to reflect a {$0.00} dollar balance but has not been closed. Status shows : open/never late. 

XXXX - The same process occurred XXXX. XX/XX/XXXX, confirmation XXXX, completed XX/XX/XXXX, with the information updated and balance {$160000.00}. Called XXXX on XX/XX/XXXX, explained I sent the confirmed letter of my student loans were Forgiven. The representative saw the letter opened another investigation confirmation number # XXXX and advised I would receive the results in the mail. The results came and the account is updated as {$0.00} and closed, with inaccurate comments : student loan payments deferred. 

XXXX - I have dispute ( XXXX ) times and results have been the same time updated and verified balance {$160000.00} as of XX/XX/year>. Prior to my dispute I asked to speak with a supervisor, not sure if I was transferred to XXXX or not, but I spoke with XXXX and advised him that I have attached the letter that my loans are forgiven with XXXX XXXX XXXXXXXX and my account should be reflect as {$0.00} dollar amount, paid and closed without and negative. He responded with they send the documentation to servicer to confirm. I found that hard to believe since the servicer being XXXX sent me the attached letter and has updated my account that student loans are forgiven so why am I having to go through so many obstacles to with the credit agencies to update my credit report with accurate reporting. XX/XX/XXXX, I received the forth dispute notification file number XXXX and it reads : INVESTIGATION RESULTS- VERIFIED AS ACCURATE AND UPDATED : Date updated : balance {$160000.00} as of XX/XX/year>.

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 2024-05-31 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: MD

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 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: MD

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-05-31 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: MN

Complaint narrative:
Transunion is known for sending out stall letters when you try and report inaccurate information. They are currently in violation of 15 USC 1692 c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 


ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUNT!! I ALREADY HAVE FRAUD PROTECTION

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 2024-05-31 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: MS

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Back in XXXX of XXXX  a collection was opened on my credit from XXXX XXXX. I have disputed this with transuniom for years and it hasnt been removed. The COLLECTION has been showing on my report as opened, has a high limit balance and shows a past due amount when no payment plan was established with this company. I would like this removed from my credit as soon as possible. I am also about to put in a complaint with the company harassing 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 non-monetary relief
Consumer complaint received 2024-05-31 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: MS

Complaint narrative:
I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Despite my numerous attempts over an extended period, fraudulent, inaccurate, and misleading information tremendously impacting my life remains unresolved on my consumer credit reports. The prolonged presence of these unauthorized items has caused me significant stress, XXXX, and detriment. As the victim of identity theft, I did not authorize or consent to any of this harmful information being associated with my name and credit profile. 

I am writing to inform you that due to the severe and unresolved nature of this issue, I have no choice but to pursue legal action against your company for violating the Fair Credit Reporting Act. Your ongoing reporting of information you have been made aware is inaccurate and fraudulent is unlawful. 

I hereby demand that you take immediate action to fully update, delete, and permanently block all fraudulent accounts, inquiries, collections, and any other items stemming from the identity theft from my credit reports and file. This matter requires your utmost urgency, seriousness and attention to rectify.

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 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Inflection.com, Inc.
State: NC

Complaint narrative:
Inflection Risk Solutions inaccurately reported to XXXX I had a finally disposed case- when in fact the case is still pending because of a writ of habeas corpus for actual innocence. This inaccurate information is causing me great harm - and Inflection Risk Solutions must report accurately that there is a writ of habeas corpus, and the case is not finally adversely disposed. I have dutifully attached the relevant documents proving this case still has a writ of habeas corpus and the documents outline all this in my favour.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Collection Systems, Inc.
State: TX

Complaint narrative:
National Credit Management is trying to collect a debt and is not licensed in the state of Texas to do so. Remove the collection account from my credit reports or I will pursue legal action against National Credit Management.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There is some hard inquiries that I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 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: M&T BANK CORPORATION
State: NY

Complaint narrative:
Dear M & T Bank, Your Brand Contacted me from XX/XX/year> to XXXX XXXX. Your agency rep called me names for being a XXXX XXXXXXXX individual like XXXX, passive aggressive comments about words like crazy and other comments about me going to XXXX. Why is m & T engaging in meal services that endorse animal abuse shouldn't your focus be salads, adhering to EEO standards and general acceptance with fair housing, I have not seen m & t care about those things and based on the persons interaction with XXXX XXXX and XXXX XXXX spending time to contact me and advertise housing status I hope you seek to correct your involvement with XXXX XXXX and M & T 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 2024-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
ive been locked out of my account since XX/XX/XXXX and cant access any of my money since that day ive received multiple verification codes to my phone and read them back to the operator on the phone each time they stated my account would be unlocked but it still hasnt now when i call they say they sent me a XXXX digit reference code i must read them that was sent out in the XXXX of XXXX and i still havent gotten the letter and cant access my money or account until i get the 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 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: AL

Complaint narrative:
Requested Security Freeze be placed on my credit profile on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: FL

Complaint narrative:
Name of Account : XXXX  XXXX Account : XXXX Dear Credit Representative : I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, and you responded as a VERIFIED AS ACCURATE and UPDATED But how is that possible? you said is verified as accurate and updated but they lied because the account is still looking the same so how is that possible? 

The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2024-05-31 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:
Name of Account : XXXX  XXXX Account : XXXX Dear Credit Representative : I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, and you responded as a VERIFIED AS ACCURATE and UPDATED But how is that possible? you said is verified as accurate and updated but they lied because the account is still looking the same so how is that possible? 

The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 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:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 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: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full. 

I demand the late payments to be removed off of these accounts from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney.

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