vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-25 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: CA

Complaint narrative:
This issue of incorrect account reporting has been ongoing with XXXX XXXX XXXX as this is my second CFPB claim against them regarding the Account Number : XXXX that pertains to the Vehicle : XXXX XXXX XXXX XXXX XXXX. I've recently file my intial CFPB claim against them in XX/XX/XXXX because they repossessed the vehicle nearly a year ago, report the account to the credit bureaus as closed and repossessed ; but, was still reporting monthly late payments and blance updates that ended up totaling over {$8000.00}. Before filing the my first CFPB claim against XXXX XXXX XXXX, I wrote to them several times wanting verify information about the vehicle, the account, and the reporting of the account. Namely, why they were continuing to report late payments to the cresit bureaus on a nearly XXXX year old closed repossessed account, and the details on the selling of the car that they hadn't disclosed to me as I found out they sold the vehicle at an auction in XX/XX/XXXX via a records search company but XXXX XXXX XXXX was reporting the aforementioned anyway which continued to damage my credit. Only after I filed my first CFPB claim against XXXX XXXX XXXX did they disclosed that they sold the car, then applied the proceeds they received to the over {$8000.00} balance they wrongfully increased to over the period they were reporting late payments on a nearly XXXX year old repossessed car and closed account, then changed the reporting of the account to a Charge Off for the amount of {$1500.00}. The issue continues now is XXXX XXXX XXXX is now reporting late payment updates of {$6.00} on XX/XX/XXXX and {$14.00} on XX/XX/XXXX on a written off Charged Off account. This reporting behavior by XXXX XXXX XXXX is frivolous, intentionally erroneous, and is intentionally damaging to my credit and quality of life. The vehicle was repossessed nearly a year ago, they reported the account as closed and as a repossession, sold the vehicle, reported the account now as a Charge Off and Written Off ; and, they are still reporting late payments and balance updates as shown in the attached images to this report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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: IL

Complaint narrative:
Hi yesterday I called because on my report on experian website, shows my credit score decreased, I went into some options in their site to investigate what happened. It shows a new inquiry was done yesterday. But I dont see it, they dont see it they claimed and dont know what happened. My account is frozen and has been since XX/XX/XXXX I think and locked since XX/XX/XXXX. Which means if someone or something comes through it should block the inquiry or alert me. That did not happen. And I have proof the inquiry happened, and decreased my score XXXX points and I want my points back and the additional inquiry removed, that was made during this timeframe. I have no permissions and I did not unlock my account during that timeframe. So I dont know how this happened or how it got unlocked for someone to do an inquiry. I AM ONLY DISPUTING THE INQUIRY THAT WAS MOST RECENTLY MADE, not any credit cards or accounts!!!! Just the INQUIRY!

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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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 2023-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 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:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In response to Transunion keeps re-adding the website XXXX to my credit report after they lost disputes at ever credit bureau even at Transunion due to identity theft. After Transunion released this is one of their advertiser who buys adspace on their website they quickly froze my account leaving free to any hacker or anyone who purchase my info from the dark web due to XXXXXXXX  and XXXX  leaks . They turned off my removed credit freeze and fraud alerts for weeks so they can add their advertiser back on my CR just because he asked them to? Is that not Breaking the rules of FCRA many times over and over again? It sure is, so lets get something done about this. before I get the law involved. 

Transunion just keeps lying. in all of their responses to my complaints and someone working at CFPB for them has been deleted the worse ones not just closing. Which involves Accessing CFPB database database you are using Without permission. 

in response to complaint ID : XXXX Lie # 29 Transunion quotes this on XX/XX/2023 to the complaint yesterday they started " no credit card from XXXX  was found listed at the address I posted on my FTC REPORT. " Which is 100 % a lie once again. I will upload the first 2 pages of a letter from XXXX  and any investigator beit the police which states this address they have just lied about yesterday. XXXX you are able to start using any credit card instantly before it gets to your mailbox by using a virtual version. My mother lives at my home.

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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In response to Transunion keeps re-adding the website XXXX to my credit report after they lost disputes at ever credit bureau even at Transunion due to identity theft. After Transunion released this is one of their advertiser who buys adspace on their website they quickly froze my account leaving free to any hacker or anyone who purchase my info from the dark web due to XXXXXXXX  and XXXX  leaks . They turned off my removed credit freeze and fraud alerts for weeks so they can add their advertiser back on my CR just because he asked them to? Is that not Breaking the rules of FCRA many times over and over again? It sure is, so lets get something done about this. before I get the law involved. 

Transunion just keeps lying. in all of their responses to my complaints and someone working at CFPB for them has been deleted the worse ones not just closing. Which involves Accessing CFPB database database you are using Without permission. 

in response to complaint ID : XXXX Lie # 29 Transunion quotes this on XX/XX/2023 to the complaint yesterday they started " no credit card from XXXX  was found listed at the address I posted on my FTC REPORT. " Which is 100 % a lie once again. I will upload the first 2 pages of a letter from XXXX  and any investigator beit the police which states this address they have just lied about yesterday. XXXX you are able to start using any credit card instantly before it gets to your mailbox by using a virtual version. My mother lives at my home.

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 2023-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-08-25 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:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Westlake Services, LLC
State: TN

Complaint narrative:
Purchase and sign for a XXXX XXXX XXXX  XXXX on XX/XX/XXXX with XXXX XXXX XXXX XXXX and Westlake financial. XXXX weeks later I was told by Dealership that my contract fell through because I couldn't be verified. I was already verified with fiance company on XX/XX/XXXX. Dealership stated that I need to find someone else to fiance after he ran my credit through another company. I eventually found a company to fiance but the price went from XXXX to XXXX. I refuse to fiance XXXX because the price advertised was XXXX. In the process the truck broke down and I paid for repairs and I told company this. On the XX/XX/XXXX Dealership stated I need to bring truck in until things are resolved. I ask about down payment he stated that fiance company has money and that they will refund the payment. I need help nothing makes since about this deal

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 2023-08-25 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: KS

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I sent my identification along with proof of address online and by mail to all three credit bureaus. They have wrong names and addresses on 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 explanation
Consumer complaint received 2023-08-25 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: TX

Complaint narrative:
I, XXXX XXXX XXXX, a XXXX XXXX, command all the companies below on my credit profile to discharge their debt immediately. The debt should be discharged by XXXX XXXXXXXX XXXX with account number XXXX, XXXX XXXXXXXX XXXX with account number XXXX, XXXX XXXXXXXX XXXX XXXX with account number XXXX, XXXX XXXX XXXX with account number XXXX, XXXX XXXX XXXX with account number XXXX, and Department of Education/XXXX XXXX account number XXXX. I am XXXX and command all these companies to discharge their debt immediately. The federal Fair Credit Reporting Act ( FCRA ) promotes the equity, whiteness, and fairness in order for these companies debt to be free from 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 2023-08-25 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: CA

Complaint narrative:
To Equifax This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be validated or removed immediately : 1. FCRA 15 U.S.C. 1681i- ALL UNVERIFIED ACCOUNT MUST BE PROMPTLY DELETED. I NEED YOU TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT YOU CAN NOT KEEP ON VIOLATING MY RIGHTS. 
XXXX  XXXX XXXX Account Number : XXXX DELETED IMMEDIATELY 2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Remove this inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of anxiety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
This is in response to complaint # XXXX. They attempted to resolve it by providing an email address, but they refuse to answer my email. 

The document they are requesting doesn't exist. They want a bank statement with my debit card number on it, but bank statements don't have debit card numbers on them. My bank statement has my name, my account number, my routing number. And I sent them a list of the transactions for the debit card so that they could cross reference. 

Yet, they have refused to call me or email me or contact me in any way whatsoever. I can't call them because they claim the people who are overseeing frozen accounts don't have phones.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MD

Complaint narrative:
Background : - Checks for loan payoff were mailed on XX/XX/2023 - As of XX/XX/2023, Nelnet is not showing any and/or all payments- Confirmed with Title Company that funds were taken out on XX/XX/2023- This is for myself and my wife Check Numbers and the Amounts : Check XXXX U.S. Department of Education {$4400.00} Check XXXX U.S. Department of Education {$5600.00} Check XXXX U.S. Department of Education {$8900.00} Check XXXX U.S. Department of Education {$870.00} Check XXXX U.S. Department of Education {$1300.00} Check XXXX U.S. Department of Education {$1300.00} Check XXXX U.S. Department of Education {$1700.00} Check XXXX U.S. Department of Education {$2800.00} Check XXXX U.S. Department of Education {$3600.00} Check XXXX U.S. Department of Education {$3700.00} Check XXXX U.S. Department of Education {$3900.00} Check XXXX U.S. Department of Education {$4400.00} Order of Events : XX/XX/2023 : - XXXX - XXXX ID : XXXX on XX/XX/2023. On XX/XX/XXXX, XXXX mentioned despite the checks being cashed by Nelnet that they could not locate them and requested that we send evidence of check numbers and the amounts. 

XX/XX/2023 : - XXXX XXXX referenced above ). Was able to locate the checks and put in a request to have operational accounting allocate the checks to the accounts. Mentioned it would take XXXX XXXX days to show on the account despite Nelnet cashing the checks on XX/XX/2023. 

XX/XX/2023- XXXX mentioned there has been no updated on the account but showed the request in the system. 

XX/XX/2023 : - XXXX  ( Employee ID : XXXX ), mentioned she sees the request in the system but informs me to wait until the end of the day given it is the XXXX Business Day. XXXX Business day meaning it should be rectified on XX/XX/2023. 

I have called/emailed Nelnet  several XXXX and they are not addressing the issue efficiently and constantly come up with excuses. If Nelnet cashed the checks which already had account information, name etc, it should have shown in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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: Security Credit Services, LLC
State: IL

Complaint narrative:
On XX/XX/2023 I maiiled a notification to SECURITY CREDIT SERV requesting that they remove an account that is not mine from my XXXX and XXXX report.as it is hurting my credit and preventing me from work opportunities. I explained that I do not and have never had an account with them and that I do not have an agreement or contract with them or their creditor and requested a copy of the original contract.with my signature at the address listed on their posted collection on my credit report. They did not respond or send me a contract with my signature.

Company response to consumer: Closed with explanation