vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-13 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 lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-02-13 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: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: GA

Complaint narrative:
I was looking at my report and noticed some things were not correct. I sent a letter to Equifax on XX/XX/2023. But it has been more than 35 days since the credit bureaus havent responded. That a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681i ( a ) ( 1 ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: GA

Complaint narrative:
On XX/XX/XXXX Own.Lease made a hard inquiry, on XX/XX/XXXX XXXX XXXX XXXX made a hard inquiry, on XX/XX/XXXX XXXX XXXX made a hard inquiry. I was unaware and did not authorize these inquiries and a identity theft report was filed, included in 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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Once again I am unable to access my credit report online via the Transunion website. It says it is not accessible. I had this issue with Transunion about XXXX  months ago and now its saying the same thing. I need my current credit report and can not even access it on their website. I had to reachout to them and ask them to mail me one because they didnt know why it was not accessible.

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 2024-02-13 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: FL

Complaint narrative:
ON XX/XX/2023 I MAIL OUT A CERTIFIELD LETTER XXXX THUR USPS AND THEY RECIEVED XX/XX/XXXX BUT THEY DID NOT ENTER IT ON MY PORTAL THAT THEY RECIEVE IT. I CALL ON XX/XX/XXXX AND I ASK DID THEY RECIEVED IT A XXXX FROM XXXX ACCT # XXXX AND THEY SAID YES THEY GOT IT ON XX/XX/XXXX AND XXXX WHO I WAS SPEAKING WITH SAID SHE WILL PUT A DISPUTE IN THE SYSTEM FOR THE 1099C AND SHE WILL CHANGE THE BALANCE TO {$0.00} AND I TOLD HER BY LAW IT MUST BE REMOVE LIKE XXXX DID COMPLETELY REMOVE IT AND LATER THAT NITE MY PORTAL SAID THE DISPUTE WAS COMPLETED AND WHEN I LOOK AT IT NOTHING ON THE XXXX ACCOUNT WAS CHANGE NO BALANCE OR IT WASN'T REMOVE PLEASE FIX THIS AND DELETE DUE TO YOU HAVING THE 1099C I SENT IN FROM XXXX XXXX  YOU ARE VIOLATING MY RIGHTS BY 15 USC 1681 ....

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 2024-02-14 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: SC

Complaint narrative:
I contacted all three credit bureaus over the two collection accounts reporting on my credit files and requested proof of wet signature showing that i owed the collections and that the reporting owner is the original account holder.

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 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I was scammed by a spoof website pretending to be an actual hotel that I was looking to reserve a room from. 
Whay happened is as follows : I searched a specific hotel but somehow was forwarder to another website when I clicked on the hotel 's website through some sort of browser manipulation. 
This was unknown to me at the time. I was shown the price of the room ( on the identical webpage as the actual hotel ). I selected and clicked reserve. I was somehow then charged hundreds of additional dollars in fees over the amount shown on the screen in an email conformation from a stie I never heard of, nor did I think I did business with. 
I immediately called the number on the email and stated my dismay and concern and was told I could immediately cancel and not be charged since it was still " pending ''. 
I rebooked the exact same room moments later, this time with Amex travel services since I did not know what was going on or how this happened and thought my browser may have been compromised. 
I consequently paid twice for the exact same stay, as the spoof website kept the money and did not reverse the charge. 
I called AMEX to explain but the company sent in a response that it is the hotels policy to keep the money and there are no cancellations. 
The actual hotel reports receiving NO money, deposit or initial reservation, as I stayed in the hotel anyway through Amex travel services on the same nights and selected room and inquired upon check in since I was told I could cancel and have the charge reversed from pending to decline. 
Upon informing AMEX of the situation after receiving my monthly statement the scam travel website is now stating it paid the money to the hotel and does not have it. 
I would have never paid for the same room twice. What person would not have absorbed the extra fees as a result of the mistake instead of paying double for the same room??? I was not assured I could cancel at no charge, yet the company is now disputing and not handing over the tape of the conversation. The charge for the rebook was only done 4 or 5 minutes after the first one. 
Seems there is NO CUSTOMER service department to speak to me FROM THE FAKE TRAVEL SITE but one apparently is disputing the chargeback! 
THE CHARGE EVEN APPEARS ON MY CREDIT CARD STATEMENT AS THE ACTUAL HOTEL!!!! How is this legal??? 
There is no receipt of the money being sent to the real hotel either. What kind of company is this? The online reviews all state the exact same thing. All the people say they clicked on the real website but were somehow sent to this one and overcharged, told they could cancel for free, then charged anyway with no hope of a refund. HELP!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Under the current 25 years of payment of a federal student loan, where all dates between the start of payments through current date are now counted, I have no idea how close i am to the 25 years until the loans are wiped out. Am I 10 years away? Am I 15 years away? None of these student loan servicers have any clue how to calculate that end date or inform a consumer of how many more years are owed. This is VIABLE information that a consumer should have - a type of countdown to let me know and plan for future. I want ot know, given the 15 years that I have been paying on student loans, given certain forbearances, grace periods etc in my payment history, how many more years do i have until that magic 25 years wipes out my ever growing student loan debt. In the time that my servicer, Nelnet took to figure out my new program payment under the REPAY program, my loans amassed $ XXXX to the already $ XXXX that I owe in student loans ( it DID NOT START OUT WITH $ XXXX debt- but has grown due to interest tacked onto my loan ). I want a clear expected date provided to me with a response from NELNET. In addition, a consumer is UNABLE to even address issues with Nelnet at this time as the company shut down its email portal and the phone lines are perpetually busy with hours long wait times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

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 2024-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
On XX/XX/XXXX at XXXXXXXX XXXX., I spoke to XXXX XXXX employee # ( XXXX ) in the collections department, about my XXXX bill. I told her that I had been charged for equipment that I no longer had, added late fees, and reconnect charges. I told her that I had been trying to disconnect this service since XXXX. She told me for me to close this account, I would have to pay {$110.00}. I paid the {$110.00}, and she closed the account. 

XX/XX/year>XXXX  - I talked to XXXX XXXX at XXXX and told him, I terminated my service months ago, and I don't have their equipment. 

Please see the attachment : Email about a conversation with XXXX XXXX Email payment from XXXX XXXX for {$110.00}

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 2024-02-13 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: NJ

Complaint narrative:
please investigate Transunions FAILURE TO RESPOND. I spoke with Transunion rep XXXX today XXXX at/around XXXX who advised me that they received my letters XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, but they do not open up disputes for inquiries or by mail the consumer has to call in. Is Transunion regulated to do this? What laws state this? 

Please review all documents and do something about Transunion failure to follow FCRA and other federal regulations.

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 2024-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc.
State: AZ

Complaint narrative:
This company, McCarthy , Burgess & Wolff, XXXX OH has attempted to collect on a debt that we do not owe ( see attached letter ). I have confirmed with the company ( that they appear to represent, XXXX XXXX XXXX ) that we do not owe this debt. 

McCarthy, Burgess & Wolff is using XXXX XXXX ' name to collect money we do not owe. This company is not operating in good faith and when contacting them to let them know I was reporting them and that I had confirmed with XXXX  that we do not owe them money, the gentleman ( XXXX XXXX ) proceeded to tell me " I talked with the wrong people. '' McCarthy, Burgess & Wolff has a legitimate looking website and seems to be a legitimate business by all appearances ; however, this debt is not legitimate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: GA

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, 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 2024-02-13 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: TX

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 2024-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
My complaint is about the handling of the vehicle financing. Under the SEC Act, concerns with securities fraud and tax evasion are raised. My promissory note/certificate of indebtedness has been securitized by this company where they received a cusip number and engaged in trading activities. I have done everything correctly and sent to the correct place/person/trustee according to their Indenture agreement and prospectus reports on sec.gov. They have even sent back my copy of the 1099-A which is attached along with other communications and proof of registered mail. Ally is engaging in securities 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 2024-02-13 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I did not gibe authorization for this company to run my credit report from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: TX

Complaint narrative:
In XXXX, I was renting an apartment with a lease along with two other people from the XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and I left at the end of the fall semester of XXXX due to XXXX XXXX issues with my schooling at XXXX XXXX . I was under contract thru the summer of XXXX and on XX/XX/XXXX I went to the XXXXXXXX XXXX office along with my aunt, XXXX XXXX, to pay off my contract amount and settle all issues with the Lease. {$7100.00} was paid to the XXXX for settlement of all amounts owed according to the person who was working in the office. I asked repeatedly if we were all good and complete and the lady assured me that all was completed and settled. XX/XX/XXXX, almost 18 months after I paid off my lease, I received a letter from Pro-Collect demanding payment of {$1200.00} for unpaid monies due the XXXX. I contested the amount due and returned the paperwork per instructions. But then I started receiving collection calls. I asked about the dispute resolution process and was told by the Pro-Collect caller that they had no response from the XXXX and so they would continue to call and try to collect and then the threats began. I immediately sent a letter to Pro-collect, the XXXX and their holding company in XXXX, including copies of the check written to pay and all the details. To date no response from the XXXX. Pro-Collect has reported this to the credit bureaus and now my credit score has been affected. In XXXX. XXXX, I received a letter from a law firm in XXXX threatening we with legal remedies about this alleged debt. It included the detailed ledger of the account and it was clear that the XXXX continued to charge me with miscellaneous charges after I gave them notice and paid the amount they said I owed. The amount they say is due is a sum of these miscellaneous charges after I vacated the apartment. I responded again to the law firm, explaining all details again and copied the XXXX. I sent a letter in XX/XX/XXXX to the XXXX requesting that they correct all this and stop the threatening phone calls from Pro-Collect. As of this date I have never received any response from the XXXX and their owners even though my letters were sent with tracking so I know they have been received. I would like this debt cleared with Pro-collect and my credit report corrected. I believe the XXXX is fraudulently trying to collect money because I am a young, ignorant, XXXX but that is not the case.

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 2024-02-13 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: NC

Complaint narrative:
THE FOLLOWING ACCOUNTS WERE USED UNAUTHORIZED. REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT. 

1. Account Name : XXXX XXXX Account number : XXXX Date opened : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: CT

Complaint narrative:
My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 

Summary of Accounts being challenged in list form XXXX/XXXX  - Account XXXX XXXX  XXXX - Account Number:XXXX XXXX  - Account XXXX XXXX  - Account NumberXXXXXXXX XXXX XXXX XXXX - Account 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