vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Formal Complaint Against XXXX, XXXX, and Equifax for Negligence and Non-compliance with Consumer Protection Laws To Whom It May Concern, I am writing to formally complain against the three major credit reporting agencies : XXXX, XXXX, and Equifax, concerning their continuous failure to rectify fraudulent information on my credit reports stemming from identity theft. This ongoing issue has severely impacted my life and financial standing, and I feel compelled to seek intervention from your esteemed agency. 

Despite multiple attempts to resolve this issue, including providing necessary documentation and following the stipulated procedures, the aforementioned credit bureaus have not only failed to correct the inaccuracies but also have not provided any substantive feedback or documentation from the data furnishers who allegedly supplied this erroneous information. The lack of transparency and cooperation from these bureaus has left me in a precarious financial position, unable to move forward in various aspects of my life, such as securing loans and accessing favorable credit terms. 

It has been over a year since I first reported this issue, and the last communication regarding this matter has exceeded the 60-day resolution period as mandated by federal law, specifically under the Fair Credit Reporting Act ( FCRA ). Under the FCRA, these agencies are required to conduct a " reasonable '' investigation within 30 days upon receiving a notice of dispute from a consumer and to correct or delete any inaccurate, incomplete, or unverifiable information. Their failure to comply demonstrates not only negligence but also an unethical disregard for consumer rights and protections. 

Furthermore, the lack of compliance by XXXX, XXXX, and Equifax with these legal requirements has caused significant emotional and financial distress. This negligence contravenes the Consumer Financial Protection Bureaus mandate to ensure fair, transparent, and respectful treatment of consumers by financial entities.

I am urging the Consumer Financial Protection Bureau to take immediate action against these agencies to enforce compliance with the FCRA. Additionally, I request a thorough investigation into their processes and a mandate for corrective action to amend my credit files and remove all fraudulent entries without further delay. 

Attached are copies of all previous correspondences with the credit bureaus, as well as a timeline of the events and attempts made to rectify my credit report. 

I appreciate your attention to this critical matter and look forward to your prompt response and resolution. 

Thank you for upholding the rights of consumers like myself. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Formal Complaint Against XXXX, Experian, and XXXX for Negligence and Non-compliance with Consumer Protection Laws To Whom It May Concern, I am writing to formally complain against the three major credit reporting agencies : XXXX, Experian, and XXXX, concerning their continuous failure to rectify fraudulent information on my credit reports stemming from identity theft. This ongoing issue has severely impacted my life and financial standing, and I feel compelled to seek intervention from your esteemed agency. 

Despite multiple attempts to resolve this issue, including providing necessary documentation and following the stipulated procedures, the aforementioned credit bureaus have not only failed to correct the inaccuracies but also have not provided any substantive feedback or documentation from the data furnishers who allegedly supplied this erroneous information. The lack of transparency and cooperation from these bureaus has left me in a precarious financial position, unable to move forward in various aspects of my life, such as securing loans and accessing favorable credit terms. 

It has been over a year since I first reported this issue, and the last communication regarding this matter has exceeded the 60-day resolution period as mandated by federal law, specifically under the Fair Credit Reporting Act ( FCRA ). Under the FCRA, these agencies are required to conduct a " reasonable '' investigation within 30 days upon receiving a notice of dispute from a consumer and to correct or delete any inaccurate, incomplete, or unverifiable information. Their failure to comply demonstrates not only negligence but also an unethical disregard for consumer rights and protections. 

Furthermore, the lack of compliance by XXXX, Experian, and XXXX with these legal requirements has caused significant emotional and financial distress. This negligence contravenes the Consumer Financial Protection Bureaus mandate to ensure fair, transparent, and respectful treatment of consumers by financial entities. 

I am urging the Consumer Financial Protection Bureau to take immediate action against these agencies to enforce compliance with the FCRA. Additionally, I request a thorough investigation into their processes and a mandate for corrective action to amend my credit files and remove all fraudulent entries without further delay. 

Attached are copies of all previous correspondences with the credit bureaus, as well as a timeline of the events and attempts made to rectify my credit report. 

I appreciate your attention to this critical matter and look forward to your prompt response and resolution. 

Thank you for upholding the rights of consumers like myself. 

Sincerely, 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 2024-04-17 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: IN

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

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 2024-04-17 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: IN

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-04-17 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: GA

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 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 2024-04-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I purchased a loan for XXXX XXXX through Affirm on XX/XX/2024 for a XXXX XXXX XXXX XXXXXXXX expierence. The loan total was {$2300.00}. When I arrived at XXXX for the event, on Thursday, XX/XX/2024. We were told by XXXX staff to redeem our qr codes for paper tickets to the XXXX XXXX XXXX XXXX XXXX. When I redeemed the ticket, the paper ticket stated the event was to be held on Friday, XX/XX/2024 at XXXX XXXX. I left XXXX Thursday, XX/XX/2024 at XXXX XXXX. A hour later, at XXXX, I recieved an email from XXXX XXXX saying there was a misprint on the paper ticket, the event was being held at XXXX, on Thursday, XX/XX/2024. Unfortunatley, due to the misprint on the paper ticket, the fact I had already left the event for the evening, and was back at my hotel an hour away, by the time I recieved the email notice with the correct time and date for the event, I was not able to attend. I asked XXXX several times for a refund for this event, because the wrong date and time was printed on the paper ticke, and I was not able to attend.. After several emails, XXXX XXXX aggreeed to refund me my money, if I dropped my dispute with Affirm over the loan I took out for this event. I asked Affirm to drop the dispute, so XXXX XXXX could refund my money. All of a sudden I get an email fro Affirm saying my case was closed and ruled in favor of the merchant. After Affirm closed the case, XXXX XXXX refused to refund me money, even though they aggreed in previous emails they would. I brought sll this information to Affirm over 20 times through emails and phone calls and Affirm refuses to do anything about this case. Affirm then put a over 30 days late remark on my credit reports, even though this case is stil being currently disputed with my bank and Affirm knows this. Affirm had no right putting negative remarks on my credit report, because active disputes in this case are ingoing. I ask that the CFBP steps in and resolves this situation with Affirm, and affirm not only gives me my money back for a event I could not attend because of fale information, but the fact that I reported this case to Affirm, Affirm wrongfully sided with the merchant and Affirm wrongully put negative remarks on my credit report, when there are active disputes with htis that are ongoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: TX

Complaint narrative:
DEPT ED NELNET XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The original instrument of indebtedness in its original form. There is no original contract or no original ink signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: AZ

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 2024-04-17 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this 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 non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TransferWise Ltd
State: FL

Complaint narrative:
Wise bank blocking my accout and all my money I dont know where is going i need my account back and my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, and this is troubling to me.

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 2024-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this 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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have been in the XXXX industry for over 14 years. Understanding the dynamic of how our DATA is used has been on my mind for years. Particularly during incidents where companies have data breaches. For extra security, on XX/XX/2019 I opted for a PERMANENT OPT-OUT ELECTION FORM. Recently my husband applied for a VA home loan and the amount of marketing and solicitation calls was beyond overwhelming for myself personally. How could all these people have my information if I opted out. In trying to figure out how my information was distributed, I received from my current lender XXXX, resulted in me understanding my information was still being sold by the credit reporting agencies. This is very disheartening because many companies have global means to distribute my information without me having any recourse. 

Additionally, I would like to file a complaint against XXXX but am limited to 3 companies via this software. Please advise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NY

Complaint narrative:
XXXX XXXX is incorrectly reporting my Federal student loan balances as {$5.00} higher periodically every month. This is either because Mohela, my student loan servicer, is reporting the loans incorrectly, or because XXXX XXXX is reporting the loans incorrectly, or both. As a result, every month my credit score creeps downward by a little bit, like XXXX XXXX 

On XX/XX/2024, XXXX XXXX reports incorrectly show that my Mohela/Dept. Ed. loans went up by {$2.00}, {$4.00}, {$5.00}, {$6.00}, and {$7.00} ( I have 5 loans ). However, I am on the XXXX repayment program, I made my minimum payment due, and the balances did not go up according to statements from Mohela 's website. This caused my XXXX and XXXX scores to go down by XXXX XXXX XXXX XXXX 

Similarly, in XXXX, XXXX XXXX reports incorrectly show that the loans went up by {$7.00}, {$24.00}, {$84.00}, {$95.00}, and {$100.00}. I made minimum payments then, and the balances did not go up according to Mohela. This caused my XXXX and XXXX scores to go down by another XXXX XXXX XXXX XXXX 

What's more, XXXX XXXXXXXX XXXX  does not have a way for these complaints to be made. 

I've attached some corroborating documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: KY

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-04-17 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: KY

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-04-17 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: NJ

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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