vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal 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 2024-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
I returned the defective items on XX/XX/2023 and Affirm still expects me to pay for something I don't even have and they keep harassing me and messing up my credit report ....

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: MD

Complaint narrative:
On XX/XX/XXXX, I filed disputes with Equifax, XXXX and XXXX regarding XXXX ( dba XXXX XXXX, servicer " XXXX XXXX  ) regarding the errors and account history. On XX/XX/XXXX, the date of the last reported update to the credit reporting agencies by XXXX incorrectly reports the mortgage balance as {$350000.00} ; date last payment XX/XX/XXXX ; actual payment {$5700.00} and date of last activity as XX/XX/XXXX. On XX/XX/XXXX, XXXX ( aka XXXX XXXX ) sent a correspondence to me indicating the have provided updates to the CRA disputes. I went online to my accounts to all three of the Credit Reporting Agencies to review the dispute results and credit report updates reported. XXXX 's reported to the CRAs that their information was accurately reported and made no corrections. I submitted a dispute second dispute with all three CRAs on XX/XX/XXXX, and requested a reinvestigation of XXXX ( aka XXXX XXXX ). I submitted copies of my mortgage statements from XXXX to the CRAs as evidence that the mortgage balance is {$350000.00} and timely mortgage payments for XXXX and XX/XX/XXXX were paid. On XX/XX/XXXX, I received correspondence from XXXX indicating that the received the inquiry from XXXX regarding my dispute and that they responded to XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, I called the Equifax and XXXX CRA dispute resolution departments. I was informed that the only way that the corrected mortgage balance ; and monthly historical account information for XXXX, XXXX and XX/XX/XXXX could be changed is initiated by XXXX, regardless that CRAs have the document evidence that the information proof that XXXX is failing to accurate report the mortgage balance and monthly historical payments since XX/XX/XXXX. On that same day I also called XXXX ( XXXX XXXX ) to express my complaints that they have negatively impacted my XXXX score which has discreased by XXXX points as a direct result of their failure report my mortgage payments since XX/XX/XXXX. The XXXX score show that only three months of mortgage payments have been by XXXX XXXX. I am directly being severe harmed financially and my ability to obtain XXXX  financial aid ( XXXX  loans ) is directly harmed by the decreased credit score. My daughter is going into her second  year of XXXX  for XXXX XXXX. My credit score is directly used in the XXXX XXXX XXXX XXXX XXXX Loan Application. Further, I am not able to apply a Home Equity Line of Credit with my Federal Credit Union, who told me to wait 6 months for the XXXX to show my mortgage historical account information. I will not be able to send my daughter back to XXXX  in the Fall XXXX if I am unable to secure XXXX XXXX XXXX XXXX XXXX loan because of the harm that XXXX ( XXXX XXXX ) has caused for their failure to fairly and accurately report to CRAs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 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: TX

Complaint narrative:
I was a victim of ID Theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are : | XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | TransUnion | XXXX XXXX | XXXX  | XX/XX/XXXX | TransUnion | XXXX  | XXXX XXXX  | XX/XX/XXXX | TransUnion | XXXX XXXX | XXXX  | XX/XX/XXXX | TransUnion | XXXX XXXX | XXXX  | XX/XX/XXXX | TransUnion | XXXX | XXXX XXXX | XX/XX/XXXX | TransUnion | XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX | XX/XX/XXXX | TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | TransUnion | XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX | XX/XX/XXXX | TransUnion | XXXX  XXXX | XXXX XXXX XXXX XXXX XXXX  | XX/XX/XXXX | TransUnion | XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX | TransUnion | XXXX | XXXXXXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX | TransUnion

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 2024-03-29 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: NC

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.

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 2024-03-29 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: NC

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.

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 2024-03-29 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: TX

Complaint narrative:
The recent changes in my credit report have left me feeling distressed, dissatisfied, and anxious. Despite always meeting payment deadlines, some accounts now show late payment remarks. I haven't missed any payments, and it's essential to resolve this matter promptly. I require your assistance to ensure that my credit report precisely reflects all on-time payments, maintaining its full accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm experiencing distress, dissatisfaction, and XXXX  due to the recent updates in my credit report. Despite consistently making timely payments, there are now late payment remarks on certain accounts. I have not missed any payments, and it's crucial that this issue is rectified urgently. I need your assistance to ensure that my credit report accurately reflects all payments made on time, ensuring its complete accuracy.

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 2024-03-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Question # 1 : In XX/XX/XXXX, I consolidated my loans in a Federal Direct Consolidation Loan with the Department of Education through Nelnet. From XX/XX/XXXX through XX/XX/XXXX, I made XXXX payments on this loan totaling {$6500.00}. According to Nelnet, on XX/XX/XXXX, my Federal Direct Consolidation Loan was paid in full, through the PSLF limited waiver program. Nelnet claims I am only entitled to monies I paid after my loans were discharged in XX/XX/XXXX. {$6500.00} should have been refunded to me for overpayment with the PSLF Waiver, not the {$610.00} I already received. I have included the payment transactions from NELNET and my Eligibility for Public Service Loan Forgiveness letter from XXXX XXXX in this Reconsideration Request. 
The question I have is whether, under the PSLF limited waiver, am I entitled to a refund of monies I paid toward my Federal Consolidated Loan prior to it being paid in full in XX/XX/XXXX? According to the PSLF limited waiver, refunds for payments over 120 direct loan payments in excess of 120 are eligible for refund, but if you consolidated ( or reconsolidated an existing direct consolidation ) the payments must have been AFTER the consolidation to be refunded. Under the criteria of the XXXX limited waiver, I am entitled to a refund of payments made after XX/XX/XXXX. 
I have attached a copy of the financial transactions after my loans were consolidated in XX/XX/XXXX, along with the letter from Nelnet that indicates I am not entitled to a refund of monies prior to my Federal Direct Consolidation Loan being discharged. 

Question # 2 : On XX/XX/XXXX, XXXX XXXX, the servicing agency that took over servicing my student loans under the PSLF limited waiver, indicated in a section of a letter sent to me : PSLF QUALIFYING PAYMENT DETAILS I had XXXX PSLF Eligible Payments, but had XXXX Qualifying Payments ( Total ). I have attached a copy of the financial transactions after my loans were consolidated in XX/XX/XXXX as well as the letter from XXXX XXXX that indicates the number of payments I made. Under the criteria of the PSLF limited waiver, I should have received a refund of XXXX payments I made in excess of the 120 payments that were required.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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 paid off the balance for this account XXXX. XXXX, XXXX XXXX. All bureaus reported XXXX except Transunion. I made a dispute w them. It came back TODAY on XX/XX/XXXX as verified with a XXXX balance as if i didnt pay it. This is inaccurate reporting and they did NOT verify or update any info in their dispute resolution. I reached out to the creditor, and they said that it is reflecting, XXXX balance and that its paid in full!!! FCRA states that reports should be verfied as complete as possible. Please update then.

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 2024-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Truist financial bank is holding {$3500.00} from my XXXX after a closed account that they have yet to give me a reason for. Both checks equaling this total that were deposited into the account before it was closed have been confirmed to be legit, with the vendors in question going out of their way to provide me proof of cleared checks. Truist has told me their process for review is complete, while XXXX XXXX informed me that Truist never even contacted them to confirm/dispute the check. 
Im ready to push this as far as I need to.

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 2024-03-29 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: IL

Complaint narrative:
I'm experiencing distress, dissatisfaction, and anxiety due to the recent updates in my credit report. Despite consistently making timely payments, there are now late payment remarks on certain accounts. I have not missed any payments, and it's crucial that this issue is rectified urgently. I need your assistance to ensure that my credit report accurately reflects all payments made on time, ensuring its complete accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 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: NY

Complaint narrative:
Since XX/XX/2024, I have received repeated fraudulent charges on my citibank checking account/debit card from XXXX XXXX XXXX I have never had a XXXX XXXX account and never made or authorized purchases for anything from XXXX XXXX. 

On approximately XXXX  times, I've closed the debit card and had a new one issued. Yet, the fraudulent charges continue. I have called Citibank about XXXX times and spend literally XXXX of hours on the phone and each time I call, they have no record of my prior calls. Each time, I go through the fraudulent charges XXXX by XXXX, which now total well over XXXX fraudulent charges approaching {$2000.00} in total. And each time they promise a provisional credit, but I never get XXXX. And each time I call back, they seem to have no record of me calling the prior time. 

Among the reference numbers from Citibank are : XXXX ; XXXX and XXXX, but there are more.

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 2024-03-29 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: AL

Complaint narrative:
I noticed some inquiries on my credit report that I have not authorized nor have I signed any paperwork

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: TX

Complaint narrative:
See document attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: TX

Complaint narrative:
See document attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: TX

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: IL

Complaint narrative:
See document attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: IL

Complaint narrative:
Throughout the history of this account, I've consistently made sure payments are made on time, never allowing them to surpass their due date. However, I'm perplexed by the existence of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, such discrepancies should be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal 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 explanation
Consumer complaint received 2024-03-29 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: MO

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 XXXX party. They in fact did not come from a XXXX 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 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 2024-03-29 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: MD

Complaint narrative:
The recent changes in my credit report have left me feeling distressed, dissatisfied, and anxious. Despite always meeting payment deadlines, some accounts now show late payment remarks. I haven't missed any payments, and it's essential to resolve this matter promptly. I require your assistance to ensure that my credit report precisely reflects all on-time payments, maintaining its full accuracy.

Company response to consumer: Closed with explanation