vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Paramount Recovery Systems, L.P.
State: PA

Complaint narrative:
XXXX was notified since XX/XX/XXXX that the paramount recovery account on my transition credit report was a result of identity theft. They received a valid FTC report for the identity theft account and failed to block the account with 4 business days as the law under section 605b of the Fair Credit Reporting Act requires them to do so. Transition is not complying with the law and i need the CFPB to intervene and request that transition comply with the requirements under section 605b of the fair credit reporting act.

FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I noticed that the XXXX XXXX Accounts on my credit report were reporting different information for all three credit bureaus. The inconsistent and inaccurate information ranged from different dates for the last payment, last activity, account status and more. I sent 5 letters to all 3 credit bureaus requesting they investigate the inaccuracies on the XXXX XXXX XXXX. XXXX has failed to respond to any of my requests. 

I sent a letter to TransUnion, XXXX and XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting they do an investigation to ensure the accounts were reporting accurately ( letters attached ). 

XXXX is reporting in the balance history a balance of {$16000.00} starting in XX/XX/XXXX. They are also reporting that in XX/XX/XXXX a {$50.00} payment was made. However, the months to follow still show a balance of {$16000.00}. How is that possible? Why are they saying I made a payment? And if I did make a payment why is the balance still the same? I pointed this out in my last letter and they came back with the account being verified as accurate ( see XXXX error attachment ). TransUnion and XXXX is reporting the same balance. 

XXXX responded back XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX verifying the accounts as accurate ( see attached ) TransUnion responded back XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX verifying the accounts as accurate ( see attached ) and XX/XX/XXXX questioning my identity. 

XXXX has not responded to any of my 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 non-monetary relief
Consumer complaint received 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I noticed that the XXXX XXXX Accounts on my credit report were reporting different information for all three credit bureaus. The inconsistent and inaccurate information ranged from different dates for the last payment, last activity, account status and more. I sent 5 letters to all 3 credit bureaus requesting they investigate the inaccuracies on the XXXX XXXX XXXX. Equifax has failed to respond to any of my requests. 

I sent a letter to XXXX, XXXX and Equifax on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting they do an investigation to ensure the accounts were reporting accurately ( letters attached ). 

XXXX is reporting in the balance history a balance of {$16000.00} starting in XX/XX/XXXX. They are also reporting that in XX/XX/XXXX a {$50.00} payment was made. However, the months to follow still show a balance of {$16000.00}. How is that possible? Why are they saying I made a payment? And if I did make a payment why is the balance still the same? I pointed this out in my last letter and they came back with the account being verified as accurate ( see XXXX error attachment ). XXXX and Equifax is reporting the same balance. 

XXXX responded back XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX verifying the accounts as accurate ( see attached ) XXXX responded back XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX verifying the accounts as accurate ( see attached ) and XX/XX/XXXX questioning my identity. 

Equifax has not responded to any of my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: Navient Solutions, LLC.
State: IN

Complaint narrative:
I went to XXXX XXXX XXXX from XXXX. My loans were with Navient federal loans. I did not complete my degree. I had XXXX credits. I stopped going due to trying to change XXXX XXXX  and my credits were not transferring. In late XXXX, my student loanscwere discharged with the 100 % XXXX XXXXXXXX veteran XXXX. In early XXXX the Borrowers Defense discharge was started for students that went to XXXX and the fact that XXXX closed. They received refunds on payments made towards their loans. I did not receive any refunds due to my loans being discharged with another program. But I in fact, qualify for a refund based on the requirements. Navient sold my loans to XXXX XXXX since then. So when I tried to get a refund through Navient, they state they did not have my account on the time of my loan discharge. I paid over XXXX my loan payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: OH

Complaint narrative:
In XXXX I leased a brand new Nissan XXXX. The contract stated that the lease was for XXXX years and I was not to go over XXXX mileage. 

In XXXX of XXXX, when my lease was up I returned the Nissan XXXX in good standing and in good condition. 

The mileage was just over XXXX ; well below the alloted mileage. 

Nissan has the status as the account is still open, when the account should be closed ; it also shows that the payments are current as well as on time, however, I returned the Nissan XXXX back in XXXX of XXXX. 

I called Nissan 's financial department and the person I spoke with stated that she could not find any information on my account. I asked her how can this be since on my credit report shows that it is still open and current with the payments. 

The person could not answer my question, however she gave me an address for me and told me that the only way to resolve this matter was to send a letter to the address below. 

account # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX The person stated that I have to write them because they will no accept a phone call. 

I have written XXXX twice asking them to either remove this account or to change the status from open to close. 

I have not received a response, nor has anything been changed on the account. It does show a last payment of {$290.00} was received in XXXX of XXXX. How can the payments be current when I returned the leased Nissan XXXX back in XXXX of XXXX? Especially when the lease was for XXXX years, and not XXXX years? 

If they do not have any record of my account, then I feel the account should be either removed or status changed to close. 

I do not possess the Nissan XXXX, I possess a XXXX XXXX now. 

I have been trying to buy a house, and I am unable to get an approval letter because of Nissan. The USDA Direct Home Loan program, says the debt to income ratio shows that my debt is over extended because of Nissan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
A EX-SIGNIFICANT OTHER USED MY PERSONAL INFORMATION TO CO SIGN A LOAN ON HER BEHALF WITHOUT MY UNDERSTANDING OR CONSENT. I WAS TOLD THAT MY ONLY RESPONSIBILITY WOULD BE PAYING EVERY MONTH USING MY CREDIT CARD WHICH AFTER WE BROKE UP I DISPUTED AND TOLD I WAS NO LONGER PAYING. NEVER DID I AUTHORIZE ANYONE INCLUDING THIS COMPANY TO USE MY PERSONAL CREDIT TO SIGN FOR THIS LOAN. I ONLY AUTHORIZED MY EX XXXX XXXX TO USE MY CARD MONTHLY FOR PAYMENTS ON A MONTH TO MONTH BASIS UNTIL I SAW FIT. ONCE WE WERE NO LONGER A COUPLE I NO LONGER HAD OBLIGATION TO THIS MONTHLY OBLIGATION NOR DID I EVER HAVE KNOWLEDGE OR UNDERSTANDING THAT THIS WOULD BE REPORTED ON MY CREDIT AS I NEVER SIGNED ANYTHING WHATSOEVER, ENTERED ANY ESTABLISHMENT GIVING PERMISSION, ONLY VERBAL WITH MY EX SIGNIFICANT OTHER THAT I WOULD HELP HER.

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 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
A EX-SIGNIFICANT OTHER USED MY PERSONAL INFORMATION TO CO SIGN A LOAN ON HER BEHALF WITHOUT MY UNDERSTANDING OR CONSENT. I WAS TOLD THAT MY ONLY RESPONSIBILITY WOULD BE PAYING EVERY MONTH USING MY CREDIT CARD WHICH AFTER WE BROKE UP I DISPUTED AND TOLD I WAS NO LONGER PAYING. NEVER DID I AUTHORIZE ANYONE INCLUDING THIS COMPANY TO USE MY PERSONAL CREDIT TO SIGN FOR THIS LOAN. I ONLY AUTHORIZED MY EX XXXX XXXX TO USE MY CARD MONTHLY FOR PAYMENTS ON A MONTH TO MONTH BASIS UNTIL I SAW FIT. ONCE WE WERE NO LONGER A COUPLE I NO LONGER HAD OBLIGATION TO THIS MONTHLY OBLIGATION NOR DID I EVER HAVE KNOWLEDGE OR UNDERSTANDING THAT THIS WOULD BE REPORTED ON MY CREDIT AS I NEVER SIGNED ANYTHING WHATSOEVER, ENTERED ANY ESTABLISHMENT GIVING PERMISSION, ONLY VERBAL WITH MY EX SIGNIFICANT OTHER THAT I WOULD HELP HER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
A EX-SIGNIFICANT OTHER USED MY PERSONAL INFORMATION TO CO SIGN A LOAN ON HER BEHALF WITHOUT MY UNDERSTANDING OR CONSENT. I WAS TOLD THAT MY ONLY RESPONSIBILITY WOULD BE PAYING EVERY MONTH USING MY CREDIT CARD WHICH AFTER WE BROKE UP I DISPUTED AND TOLD I WAS NO LONGER PAYING. NEVER DID I AUTHORIZE ANYONE INCLUDING THIS COMPANY TO USE MY PERSONAL CREDIT TO SIGN FOR THIS LOAN. I ONLY AUTHORIZED MY EX XXXX XXXX TO USE MY CARD MONTHLY FOR PAYMENTS ON A MONTH TO MONTH BASIS UNTIL I SAW FIT. ONCE WE WERE NO LONGER A COUPLE I NO LONGER HAD OBLIGATION TO THIS MONTHLY OBLIGATION NOR DID I EVER HAVE KNOWLEDGE OR UNDERSTANDING THAT THIS WOULD BE REPORTED ON MY CREDIT AS I NEVER SIGNED ANYTHING WHATSOEVER, ENTERED ANY ESTABLISHMENT GIVING PERMISSION, ONLY VERBAL WITH MY EX SIGNIFICANT OTHER THAT I WOULD HELP HER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I have ( XXXX ) separate Estate checking accounts with USAA that I established as the Executor of both estates. Both accounts have had {$0.00} balances for months and months. There are no outstanding transactions. I have sent a letters to USAA asking that the accounts be closed. I have tried on the phone multiple times to close the accounts. I keep talking with ill informed and incompetent people who keep saying there is missing documentation, but they can't tell me that means nor can they provide me what documentation is missing. 

The first account is titled is The XXXX XXXX XXXX XXXX, # XXXX. 

The second account is The XXXX XXXX XXXX account, # XXXX. 

I have talked with banking representatives and I have talked with customer relations representatives. Thus far the only thing that has been accomplished is to increasingly raise the level of my frustration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX can be located at XXXX XXXX XXXX XXXX, XXXX, SD XXXX | ( XXXX ) XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-08-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
I mailed a check payment to the address that was on my statement which was Bloomingdale 's, XXXX XXXX XXXX, XXXX XXXX, MO XXXX on XX/XX/XXXX. I included the payment coupon from my statement with the check. I wrote my full account number on the check. The check was in the amount of {$1100.00}. I sent the check via certified mail. The check was delivered on XX/XX/XXXX and cashed XX/XX/XXXX. I have called Bloomingdale 's customer service several times about my payment to no avail. I faxed them a copy of the front and back of the check on XX/XX/XXXX. My payment has not been posted to my 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 monetary relief
Consumer complaint received 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Nordstm/TD indicates i opened an account with them on XX/XX/XXXX and on a different beauru it states XX/XX/XXXX this information is false. Account number : XXXX XXXX XXXX XXXX Indicates i opened account on XX/XX/XXXX And for another beauru it states XX/XX/XXXX Thats false information aswell XXXX XXXX Is also reporting inaccurate information I have so much fraudelent information and it is devastating, i meed it removed as soon as possible, this is hindering my future. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX All these companies are targets.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2022 Equifax claimed that the account listed below was reporting 100 %, how can that be Equifax never did an investigation. The account listed below contains several inaccuracies and missing information. Equifax listed this account as included in a bankruptcy, if so, how is it showing delinquent and included in a bankruptcy ( this is illegal to show an account in bankruptcy and be reporting delinquent at the same time ). For more than 3 months Equifax has continued to say this account is accurate, however that is false as evidenced by my attachments proving Equifax violated the FCRA. Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX can be located at XXXX XXXX XXXX XXXX, XXXX, SD XXXX | ( XXXX ) XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX can be located at XXXX XXXX XXXX XXXX, XXXX, SD XXXX | ( XXXX ) XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Last month, I found my card information has been stolen, so I contract my bank ( Wells Fargo ) for help, they replaced the card for me and did the investigation. However, after they processing the inquiry, they only gave me parts of the money back, and determined the charges of {$7700.00} on my account was authorized or the processing error did not occur, and closed my case. I searched these companies which I transfer money through, they are all Online Money Transfer, here I attached the file for transaction records, including the financial platform, dates, amounts of transaction amaounts. 
For your convenience, I listed these XXXX companies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you so much for your help. Please feel free to contract me through email : XXXX or phone : XXXX. 
Thank you so much for your 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