vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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 2023-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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 2023-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-11-14 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: TX

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Agreed to cosign on a car loan for my sister through XXXX universal acceptance. We made a payment on XX/XX/2023 and another payment on XX/XX/2023, which is a 14 day difference, however, XXXX is reporting that XXXX payment was more than 30 days late. 

XXXX is reporting that from XX/XX/2023 to XX/XX/2023 is a 39 day difference. My issue is that I have disputed this with all three credit bureaus, XXXX, Experian, and XXXX XXXX, but because XXXX is verifying that the payment is more than 30 days late, the credit bureaus will not remove the derogatory remark. I have provided XXXX, Experian and XXXX proof that the payment was not more than 30 days late by providing bank statements and screenshots of payment history from XXXX. 

I have provided clear evidence that XXXX is not providing or verifying accurate information yet Experian, XXXX and XXXX are still honoring the inaccuracy as I have disputed the derogatory remarks multiple times and provided proof. 

The proof that I have provided should Trump whatever XXXX is verifying via word of mouth. If I have the evidence and I can prove that there is a discrepancy, that should be enough for Experian, XXXX and XXXX XXXX to remove the derogatory remark for my credit report but because Experian, XXXX and XXXX will not remove the inaccuracy even after I have disputed the inaccuracy and provided proof, I have decided to file this complaint with the consumer, financial protection agency.

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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
So I was approved for a lease ( Loan ) with XXXX XXXX in XXXX Massachusetts for a XXXX XXXX XXXX XXXX I signed a agreement for 4 years {$350.00} dollars a month and I have been contacting the finance company for the past 3 years email and by telephone from time to time about reporting the information so it reflects on my credit score I have never missed a payment or been late or even had my car reposed I think it's only fair that as a first time car buyer that you at least do the right thing update my credit file with the information you have so it shows that I am a worthy buyer for when I need another car but the last time I spoke with XXXX was through email and this was 2 years ago and they told me the computers and system are upgrading and the IT guy is working on transferring everyone 's accounts over to the credit agencies and it should take a couple months well another year went by and its now been 3 years and still nothing and I spoke to XXXX earlier this month about it and she stated the lady who was suppose to do it is in a meeting so I emailed XXXX later that day and asked how come they didn't upload the documents and see if they could redo it again if that wasn't a hassle and nobody has yet to respond back yet. 

Please inform the credit bureaus of my ontime payment history with you guys please!

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 2023-11-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: FL

Complaint narrative:
This information is totally bad for my credit. It is wrong information. It has to be deleted now. 


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 non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
**Notice of Default and Opportunity to Cure** To Whom It May Concern, I am writing to formally notify you of a default under our an agreement dated XX/XX/, with NAVY FEDERAL CREDIT UNION concerning my application for a line of credit. 
Despite my eligibility and compliance with the terms set forth, my request for a line of credit has been denied. This action not only violates our agreement but also contravenes federal law, specifically infringing upon my rights as a consumer. It is important to note that company procedures do not supersede federal law. 
According to 15 USC 1602 ( F ), it is clear that access to credit is a right afforded to me. Furthermore, 15 USC 1693 ( a ) ( 3 ) explicitly states that discrimination against individuals exercising their rights under this statute is prohibited. NAVY FEDERAL CREDIT UNION company 's denial of my credit application is, therefore, a direct violation of these laws. 
To resolve this matter, I am offering NAVY FEDERAL CREDIT UNION the opportunity to cure this default by granting me a line of credit. The amount of credit should reflect the maximum allowable based on the principal balance of my principal account, XXXX XXXX Signed, XXXX XXXX XXXX PRIVATE AMERICAN, GRANTOR-SOLE BENEFICIARY, ISSUER NATURAL PERSON of principal account XXXX XXXX , ALL RIGHTS RESERVED, WITHOUT RECOURSE FURTHER AFFIANT SAYETH NOT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

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 2023-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
To whom it may concern, I XXXX XXXX are writing to you in reference to an account with Capital One Bank whose collection agency is XXXX XXXX XXXX XXXX is reporting a collection amount of {$4400.00}. This collection agency has updated this account in which it keeps the account current with no closed date. This agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, XXXX, and XXXX respectfully. Thank you in advance for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX XXXX XXXX whose collection agency is Portfolio Recovery Associates LLC is reporting a collection amount of {$2000.00}. This collection agency has updated this account with no closed date, which reflects the account as current. This collection agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, XXXX, and XXXX respectfully. Thank you in advance for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666a, a creditor may not treat a payment on a credit card account under an open end plan as late for any purpose.

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 2023-11-14 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: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666a, a creditor may not treat a payment on a credit card account under an open end plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was on a payment plan for back taxes with the IRS. I set up the payment plan to be drafted from my Truist account starting in XX/XX/2021. In XXXX of XXXX I received a letter from the IRS that I was in default bc no payments had been received. I have records showing the amount was withdrawn from my account but the IRS says they never received it. I asked Truist to provide proof of where they were sending the payment deducting my account and their external routing did not match anything the IRS had on file. Truist also continued sending out the payment despite the fact there was no external request prompting it as of XX/XX/2021. The IRS had closed down that payment request for what was showing as default on their end. In total, Truist sent almost {$7000.00} out of my account but neither party can account for where it went.

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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
please update my information to include the correct address and details to my file. Thank You

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 2023-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 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: FL

Complaint narrative:
Credit bureau did not report my payment on my credit report for month of XXXX XXXX XXXX 
The credit bureau reported that I missed payment for the month of XXXX for XXXX XXXX XXXX XXXX XXXX which is inaccurate 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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I applied for a credit card with my bank, set up auto-pay, and consistently paid for the card I applied for. However, I noticed my accounts were being deducted twice for an unauthorized credit card. Despite bringing it to the bank 's attention, they didn't clarify the issue, and I stopped payments for the unauthorized card. I reported the problem to credit bureaus, but the bank refused to remove the account, resulting in a delinquent charge-off, negatively impacting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: MOHELA
State: CA

Complaint narrative:
Hello, I dont believe my payments and interest are being calculated correctly. For example. My interest charged between all loans is approximately XXXX per month. This past month, the interest charged seems to be around {$400.00}. On top of that, my interest went from an accrual of {$560.00} to over {$600.00} in the past few days WHILE my account is in FORBEARANCE, and the additional {$30.00} seems to be randomly charged. My balance and interest seem to inconsistent with any amortization schedule, leading me to feel like theres a lack of transparency with how my payments are being allocated. Id also like to know why I wasnt notified of my account being placed in forbearance. Please review my account to check for payment and interest inaccuracies. 

Thank you, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I closed my account ( ending in XXXX ) on XX/XX/2023. I received a notification in the mail dated XX/XX/2023 that my account was overdrawn in the amount of {$12.00}. How is it that Chase has approved charges to an account that was closed a month prior.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-14 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: TX

Complaint narrative:
I applied for the SAVE repayment plan, it was approved and nelnet provided documentation on my account that my payment would be XXXX per month. When payments started back up again, my account was never updated with the new payment amount, and currently says I do not owe any money until XXXX of 2025. The first time I called in, they had no idea what I was talking about, and said that I was approved for the {$0.00} payments. I went back through the information on the plan, and based on my income for last year, I should be making a payment. I called back in, the customer service rep reviewed my account, said that they saw that I should have a payment of {$84.00}, and that they were looking into it. They put me on hold for XXXX mins or so, and when they came back on the phone they said that because I had paid my loans off, and then requested my payments to be refunded during the period of time when certain balances were going to be cleared out due to Bidens Student Loan Forgiveness, that my account was not setup correctly. They said they put in a request to have my account updated. My account has not been updated, I have tried to call back in but the wait times are too long for me to wait while working. 

Second issue that I have noticed, is that I have been making the payments I should be making the past couple of months, and all payments are being applied to one loan, instead of to all interest that has accrued on my account, and then towards principle balances.

Company response to consumer: Closed with explanation