vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding the Department Of Education 's prolonged reporting of inaccurate information on my credit profile, which has been persisting for over 15 years. Despite the passage of time and my efforts to rectify this matter, the false reporting still appears from the Department Of Education on my credit profile as of the date of this complaint, which is XX/XX/2023. 

As per my understanding of the Fair Credit Reporting Act ( FCRA ) and industry standards, it is expected that negative information should be removed from a credit report after a period of 7 years. However, in my case, the inaccurate information continues to be reported well beyond this time frame, causing significant harm to my financial standing. 

The prolonged reporting of false information has had a detrimental impact on my creditworthiness, making it challenging for me to access credit and financial opportunities. Despite my best efforts to rectify this situation and comply with the guidelines outlined by governing bodies, the inaccurate reporting persists, causing continued frustration and disappointment. 

I have made multiple attempts to address this issue directly with the credit reporting agencies, but to no avail. It is out of sheer desperation and a sense of injustice that I am turning to your esteemed organization for assistance in resolving this matter. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigates this case and takes appropriate action against the credit reporting agencies responsible for the prolonged reporting of inaccurate information on my credit profile. I believe that by bringing attention to this issue, justice will be served, and steps will be taken to rectify the inaccurate reporting that has tarnished my creditworthiness for far too long. 

I have attached supporting documentation, including copies of my credit reports and correspondence with the credit reporting agencies, for your reference. Please let me know if any additional information is required to facilitate your investigation. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the restoration of accuracy to my credit profile. I trust that the Consumer Financial Protection Bureau will advocate for consumers like me and ensure that credit reporting agencies adhere to the necessary regulations and standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have had an ongoing issue with my phones, not being in my account and funds being moved from my account without my authorization. This is happened on multiple occasions Wells Fargo has a policy that they have 10 business days to investigate a fraud dispute. Today is the 10th business today, and I have not received any communication regarding the dispute or have a received a provisional credit for the amount that I disputed I have a child and I have bills the holidays are coming up and I have tried to be patient but I can not longer wait on my money

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 2023-12-22 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: CA

Complaint narrative:
I'm a survivor of data fraud. I'm writing to demand that you block the accompanying false data from my credit report. I'm currently applying for another advance and these mistakes are causing an issue with my FICO ratings revealing appropriately, so any assist you with canning give me with refreshing this data straightaway would be enormously valuable. We are hoping to purchase a house. If it's not too much trouble, 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 non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc.
State: MI

Complaint narrative:
I contacted Lockhart Morris & Montgomery to discuss the settlement of this debt that is now 5 years old. 

The date of delinquency should be XXXX not XXXX, they refuse to change the status to honor the first date of delinquency and never provided validation information beyond a contract from XXXX that shows the date of XXXX. 

I want a fair settlement with XXXX XXXX XXXX. 

I could no longer attend and complete the program due to a DUI that was incurred when taking the class so had to leave. 

I could not complete employment with XXXX due to to this unfortunate circumstance. 

The inacurrate negative reporting date is not legal based on requirements I have read.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: MO

Complaint narrative:
-15 U.S. Code 1681c, Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation.

-12 CFR 1022.3, Identity theft means a fraud committed or attempted using the identifying information of another person without authority. The credit reporting agencies adding information to my report without my written consent is considered Identity theft.

-Violation of the Privacy Act of 1974 ( 5 U.S. Code 552a ) disclosure of financial transactions. No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.

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 2023-12-22 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: EdFinancial Services
State: NJ

Complaint narrative:
This is my second complaint against Edfinancial. I changed my bank information, updated my autopay information immediately, and even made a manual payment before the due date for the amount due to make sure all was correct. They attempted to withdraw from my OLD CLOSED ACCOUNT. And told me that I was " overdue '' even though my new bank account reflected the correct charge was taken out and cleared from the bank!! Edfinancial will not respond for months on end, they are impossible to reach via customer service emails, chats and phone calls. I am not the only one with the issues here either. They just don't want anyone having the 0.25 % discount on interest for automatic payments. It has been months and a majority of their borrowers are suffering. I don't think they realize that these supposed " late payments '' hurt our credit scores! And our cosigners ' credit scores! This should be illegal. We have no issues contacting a lawyer if we do not get a timely response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: MO

Complaint narrative:
The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ).

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 2023-12-22 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts violate my federal protected consume rights to privacy confidentially under 15 USC1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have already file a complaint to have these accounts to remove.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-12-22 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: MD

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: MD

Complaint narrative:
I kindly request a revision to my credit report, particularly the removal of the existing public record. I have enclosed the necessary documents to support this appeal. Your assistance is greatly valued

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-12-22 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: MO

Complaint narrative:
The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Keith D. Weiner & Associates Co., L.P.A.
State: OH

Complaint narrative:
I received a letter on XXXX from Keith D. Weiner & Associates Co. L.P.A. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX, saying a judgement for {$1000.00} is dormant and can not be enforced but in the near future, likely within the next 60 days, his office will file a motion to substitute appearance of councel and a motion to Revive judgement. They are claiming the judgement is from is from XX/XX/2016. I sent a verification of debt letter via certified mail on XXXX, the tracking is XXXX XXXX XXXX XXXX XXXX. It says delivered to a XXXX XXXX XXXX XXXX but XXXX  I got the letter returned to me, 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 2023-12-22 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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

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 2023-12-22 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 firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

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 2023-12-22 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
To all this may concern, This complaint is to identify fraud that has occurred with XXXX and Fortiva. 
On XX/XX/2023 at XXXX XXXX eastern I was notified by XXXX that my credit score dropped XXXX points. I immediately started investigating my report. To my surprise I saw that a company named Fortiva reported that I was delinquent in payments for over XXXX  days. I was shocked to see this for XXXX main reasons, I have never taken out a line of credit with Fortiva and I didnt know they have been withdrawing money for my bank account for over a year. At XXXX XXXX  eastern I reached out to the Fortiva company and asked them why were they reporting this account to my credit report. A representative by the name of XXXX stated that a company called XXXX financed their XXXX XXXX XXXX through Fortiva and thats how I became their customer. I explained to them that I never agreed to open a line of credit with them and this had to be fraudulent. I demanded that they present me with the original loan documents so that I can see what was going on. The Fortiva representative demanded that I paid what was owed in order to transfer me to customer service. Under duress I paid XXXX dollars and the Fortiva agent thanked me for my payment and told me unfortunately since the account is closed I can not get the documents. They essentially scammed me for this transaction. The Fortiva agent then told me to call XXXX because this will be the company that has the XXXX and all documents to send me. I immediately hung up the phone and called XXXX. The agent at XXXX explained that she couldnt find any information that describe or show my authorization to open up a line of credit with Fortiva. The agent at XXXX sent me a purchase agreement that I will attach to this complaint. The purchase agreement that XXXX gave me has absolutely nothing on it that says I am financing equipment through Fortiva. The XXXX agent kept apologizing and said she will transfer me to the fraud department but after holding for XXXX minutes she told me no one can talk to me and that the only document she has was the one I will attach to this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had sent a wire XX/XX/XXXX to a person at wells Fargo of XXXX. The money was never released to the recipitent? The bank called me, and asked if I sent? I said yes, Then they said they could not talk to me, since I was not the customer of Wells Fargo. 
Then on XX/XX/XXXX, I was asked to call wells fargo with a claim number of transaction, I did, and was told there is no transaction with this number. Then I spok to the recipitent, and they told her they were sending the XXXX back to my account. That never happened, Then they said the money would be returned XX/XX/XXXX. Nothing yet, However the resipitent said they closed her account? but they will not say where and how money is being distruibuted? I have the receipt so you can see, My bank and I thought this person recieved. This disaster has caused me a financial loss, and so much duress. It is over 45 days, and I can't get any answers! I am being penalized for something that I have no control over.

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 2023-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
My grandfather and myself were misled my name was never supposed to be on a loan with him. He was a XXXX  driver, and the sole owner of the vehicle passed away in 2021 this is on my credit and it should be removed immediately because I was not financially responsible for this vehicle I have proof of XXXX XXXX contacting my grandfather on behalf of him purchasing the vehicle, and I also have proof of my grandfathers death. He spent a great deal in the hospital before he passed that can be verified as well, but I need this removed and delete off of my credit it was hard enough losing a loved one but now I also have to deal with the financial hardship behind this vehicle, because that was not solely in my vehicle. I helped my grandfather financially with his affairs but never this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

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 2023-12-22 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: MD

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-12-22 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: MD

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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