vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NC

Complaint narrative:
My Great Lakes has completely wiped out all of my account information including my payment history on student loans which began in XXXX. I was referred to Nelnet who allegedly took over servicing for all My Great Lakes accounts. Nepnet has no record of my payment history. My loans were then again transferred to XXXX, then back to Nelnet, now they are back with XXXX. Nelnet and XXXX can not provide me with payment history and My Great Lakes is no longer reachable via phone or for customer support. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MN

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In Accordance with the fair credit reporting act, XXXX Account # XXXX has violated my rights and reported incorrect information to Credit Reporting Agencies. They reported that I had a credit limit increase of {$99.00} between XXXX, and XXXX which caused my credit score to decline XXXX Points. I did not have a credit limit increase and to date have not been late on any payments. 

15 U.S.C 1681 section 602 states I have the right to privacy.

15 U.S.C 1681 A Section 2 also states a consumer reporting agency can not furnish an without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
To XXXX ( COMPLAINCE XXXX ) You state : The Account originated on XX/XX/XXXX with Bank XXXX Missouri and was opened with First Access. The Account charged off on XX/XX/XXXX with a balance of {$430.00}. No payments have been received on the Account since it was acquired by the Current Owner. The current Account balance is {$430.00}. 

However you have not produced the application when this alleged loan was originated, you also have not produced the agreement expressly authorizing this alleged debt as required pursuant to 15 USC 1692f ( 1 ). Do you possess an agreement creating this alleged debt? If so i am demanding that you produce this documentary evidence pursuant to : 119.07 Inspection and copying of records ( 1 ) ( a ) Every person who has custody of a public record shall permit the record to be inspected and copied by any person desiring to do so, at any reasonable time, under reasonable conditions, and under supervision by the custodian of the public records. 

You also state : The Account was previously charged off. Charging off an account does not satisfy the debt, nor does it affect the customers responsibility for the amount owed. If the account is sold, the new owner has the right to collect the account. 

You keep stating you owe an alleged debt without providing me with verification of this alleged debt, you also do not have consent to communicate with me about a debt that is allegedly owed. Communicating with me directly or indirectly to any person without my consent is harassment. Your communicating with the consumer reporting agencies about this alleged debt that is false and misleading and you are REQUIRED to cease and desist communication with such persons pursuant to 15 USC 1692e ( 8 ) which states : Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

You were advised on XX/XX/XXXX to cease and desist your communications and yet I am showing that this account is still inaccurately reporting, I already advised that you are participating in aggravated identity theft ( see CFPB complaint and e-mail to your company ) and I am demanding that you cease and desist once more, failure to cease and desist communication regarding this alleged debt will cost your company a lawsuit being filed against them and yourself for failure to adhere to federal laws that protects me against your unfair, and abusive debt collection practices. 

You have within 5 days to remove this alleged debt from my consumer report, you do not possess documentary evidence of an application being submitted for a loan, and I have no record of this bank obtaining a loan in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a business account with truist bank, and made a deposit into my business account for {$500000.00}. After making deposit truist bank closed my account and informed me they were not going to release my funds.my check was written out to ANF XXXX  XXXX, the same name as my company and business account, my check was issued from the irs, and I contacted irs to verify that my check was valid, and irs told me it was, and it was also paid out to my account but truist told me that my deposit was suspicious and they were holding my funds.I believe truist is being biased because my deposit was a large amount, truist decided to end there relationship with my but yet they wont release my funds

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 2024-02-26 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a Capital One Mastercard with 0 % APR for purchases through XX/XX/XXXX. Since Capital One ( unlike other banks ) doesn't indicate on monthly statements when the 0 % expires, I called them almost monthly to make sure that my recollection was correct, and every time they confirmed the date. I called them about two weeks ago and gave them authorization to take the balance from my checking account on the expiration date on 0 % APR. They set it up for XX/XX/XXXX of XXXX. I called again a few days before XX/XX/XXXX and spoke with a supervisor to see if XX/XX/XXXX is cutting it too close and if so, move up the debiting of my bank account. She indicated that the date was correct for payment if I didn't want to pay interest. They did take the balance from my bank account on XX/XX/XXXX. They also charged me XXXX XXXX interest. I called in and spoke with a supervisor who upon checking the original offer confirmed that the interest charge was erroneous and " escalated '' and requested the adjustment of the interest to {$0.00}. No adjustment has been done yet. 
Every time I called Capital One, at the beginning the recording says that this call is being recorded. I encouraged the supervisor to listen to my many calls to confirm the XX/XX/XXXX date. I believe that Capital One purposefully is not putting the 0 % expiration date on statements ( like other banks do ) to be able to pull this kind of thing on customers. Why is it that all along they say a consistent date and at the end they move the date? A note to Capital One : Listen to the call recordings and hear it for yourself. I could have paid this off earlier if I had been given an earlier date. 
Thank you XXXX XXXX Card ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
The information towards my student loans are false and growing, I would like for all student loans on my account to be removed. Simply because the information is wrong and also misused.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CL Holdings LLC
State: MD

Complaint narrative:
I contacted XXXX, XXXX, and XXXX several times by phone and mail regarding incorrect information reporting on my credit report as collections. The collection companies such as XXXX XXXX XXXX in the amount of {$620.00} and {$610.00}, Jefferson Capital System in the amount of {$2000.00}, and XXXX XXXX XXXX in the amount of {$1100.00} does not belong to me. I do not have contracts with these creditors. I have not received ant additional information from the credit bureaus showing contracts that has my name, date of birth, address, and or signature stating that I am responsible for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SN SERVICING CORPORATION
State: MI

Complaint narrative:
On XXXX XX/XX/2023 SN Servicing sent a letter stating I had an escrow shortage which was odd because my homeowners insurance and taxes decreased. My Escrow increased to {$580.00}. But my taxes and insurance is only {$2000.00} for insurance and my taxes are XXXX. That is a total of {$3200.00} they are collecting a surplus of {$3700.00}. I tried to call and I emailed XXXX XXXX several times with no response. I would like to pay my own taxes and insurance. This change has my payment increasing by {$330.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This account not mine and possibly created from someone else.. I never had an account with this company.

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This account not mine and possibly created from someone else.. I never had an account with this company.

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
On XX/XX/XXXX I called in to Barclays to pay off my credit card $ XXXX. I explained to the agent that I would like to have the account paid in full and for the account to be closed and for that information to be relayed to XXXX, XXXX XXXX, and XXXX. The rep placed me on hold and came back with the payoff. I gave her my financial information and she thanked me for my business and explained that she would handle every thing on her end to close the account and to notify the credit bureaus. 

3 weeks go by and I received notice that the account was past due. I called Barclays to find out why and was advised that the rep from XX/XX/XXXX may not have given the correct payoff and that they recognized that it was their error and that they would be reversing the last amount on the account and as a precaution contacting the bureaus to advise that I was not past due and the account was paid in full and in good standing. 

Another few weeks go by and I received another notice of delinquency. The previous rep did not do anything that they said they were going to do. So the new rep got a manager on the phone and she apologized and said that she would have to escalate it to a different department and I would be getting a call back in around 2 weeks. I never received a call and a few weeks later received another collections notice. 

I called to Barclays again and a rep explained to me that he saw the notes in the system that the account was being handled and that it takes 1-2 billing cycles for the update to take affect and he ensured me that there would be and had not been any adverse reporting to the credit bureaus. 

Fast forward to this past weekend and I receive another notice of collections from Barclays for {$60.00} and now I received notice from XXXX XXXX and XXXX that my scores have dropped by over XXXX points. Barclays is reporting the account delinquent and my credit is adversely being effected. Barclays is completely inept and can not do their jobs, and DO NOT do their jobs. This has gone round and round and round and today the situation is going back into " review '' for which I'm supposed to wait 2 weeks to hear from someone. I am supposed to be purchasing a new vehicle this week and my credit score will determine what interest rate I qualify for. I may end up paying thousands and thousands in additional interest as a result of Barclays ineptitude and unwillingness to correct their errors. 

Please help!

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 monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 
Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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