vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXXXXXX XXXX informed me that they would in fact remove a 31 day late payment status as long as I disputed with each of the credit bureaus. They informed me they would do so in good faith. Now, since I have disputed at least 20 times total, they are going back on their promise, and are refusing to help me. I have gone to such lengths to write handwritten letters and reach out to their executive team members on XXXX. 
I received some poor blanketed statement back from them informing me they do not update any information and I am essentially XXXX. I do not accept that response. If XXXX wouldn't have led me on a wild goose chase for 5 months now, I would have given up. I expect XXXX to remove the negative mark as they said they would. They are definitely able to do so, but are being extremely difficult for no reason, when they are the ones that informed me, they would fix it. 

I want this issue fixed! It is beyond wrong to tell someone you would fix it and refuse to do so. They claim they sent me letters and emails- why do I not have any of these things? 

It seems like XXXX would want to assist a customer that has been with them for many years. Clearly, they do not care about their customers.

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 2024-01-02 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: MI

Complaint narrative:
XXXX XXXXXXXX XXXX informed me that they would in fact remove a 31 day late payment status as long as I disputed with each of the credit bureaus. They informed me they would do so in good faith. Now, since I have disputed at least 20 times total, they are going back on their promise, and are refusing to help me. I have gone to such lengths to write handwritten letters and reach out to their executive team members on XXXX. 
I received some poor blanketed statement back from them informing me they do not update any information and I am essentially XXXX. I do not accept that response. If XXXX wouldn't have led me on a wild goose chase for 5 months now, I would have given up. I expect XXXX to remove the negative mark as they said they would. They are definitely able to do so, but are being extremely difficult for no reason, when they are the ones that informed me, they would fix it. 

I want this issue fixed! It is beyond wrong to tell someone you would fix it and refuse to do so. They claim they sent me letters and emails- why do I not have any of these things? 

It seems like XXXX would want to assist a customer that has been with them for many years. Clearly, they do not care about their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: MI

Complaint narrative:
XXXX XXXX Bank informed me that they would in fact remove a 31 day late payment status as long as I disputed with each of the credit bureaus. They informed me they would do so in good faith. Now, since I have disputed at least 20 times total, they are going back on their promise, and are refusing to help me. I have gone to such lengths to write handwritten letters and reach out to their executive team members on XXXX. 
I received some poor blanketed statement back from them informing me they do not update any information and I am essentially XXXX. I do not accept that response. If XXXX wouldn't have led me on a wild goose chase for 5 months now, I would have given up. I expect XXXX to remove the negative mark as they said they would. They are definitely able to do so, but are being extremely difficult for no reason, when they are the ones that informed me, they would fix it. 

I want this issue fixed! It is beyond wrong to tell someone you would fix it and refuse to do so. They claim they sent me letters and emails- why do I not have any of these things? 

It seems like XXXX would want to assist a customer that has been with them for many years. Clearly, they do not care about their customers.

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 2024-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I receive some funds directly on my name in my account and the bank should close my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: MO

Complaint narrative:
The following complaint CLEARLY SHOWS HOW EXPERIAN HAS COMPLETELY DESTROYED MY ACCOUNT AND CREDIT SCORE, EXPERIAN JUST SENT ME THE FOLLOWING NOTIFICATIONS SAYING I OPENED THESE DISPUTES IN XXXX OF THIS YEAR CLEARLY THEY ARE NEGLIGENT IN THE HANDLING OF MY INFORMATION AND CREDIT THESE ARE ALSO CLWAR VIOLATIONS OF THE FAIR CREDIT REPORTING ACT

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 2024-01-02 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I had an AMEX credit card shared with my son. He does work on my house and I needed him to be able to purchase materials. I haven't used the card in a while and in XXXX, I got an 'Important " email stating that if I didn't use my card, they would close it in 90 days. The statement was friendly and had a bolded area of what I should do if I chose to let it close. Just destroy cards and notify anyone with the account. I never expected my credit score and my son 's to take a big hit. My score went down by XXXX and my son 's XXXX went down by XXXX points, on the day it took effect. I've discussed this with AMEX customer service that told me to call 'AMEX Credit Bureau Unit ', who tells me to call customer service. AMEX keeps telling me to call the credit bureau but I know they can't change what's reported. My issue is, AMEX should have had a professional responsibility to warn me that the " line of credit ' I held with them would directly reduce my 'available credit '. With all the efforts out there costing ppl to repair their credit score, as a consumer, no effort was made to warn me. Any consumer would've 100 % made a purchase to keep that level of available credit. I had no idea. I casually thought it was just a " XXXX '' balance credit card that wouldn't make a difference. AMEX refuse to reinstate the card and understanding that, this shouldn't happen to anyone else. I'm asking for consumers to be better informed by the financial institutions. AMEX completely disassociated themselves with any knowledge of factors impacting credit scores. I'm so sorry I did this to my son. We all work so hard for a good credit rating, yet there's no protection ( info ) required from a credit card company that could've saved me. I only had to make a purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: NY

Complaint narrative:
I just reviewed my credit reports and it shows inaccurate and unauthorized account. 

Please see the copy of my dispute letters that were already sent to the involved Bureaus. 

I have not received any responses yet

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 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 am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. Attached you will also find my ID, Proof of Address with my most recent bill and SSN Card.

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 2024-01-02 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:
I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. Attached you will also find my ID, Proof of Address with my most recent bill and SSN Card.

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 2024-01-02 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: MOHELA
State: OK

Complaint narrative:
I received an email from Mohela today XXXX  that states " Our records indicate that we sent your XXXX billing statement less than XXXX prior to your payment due date. Because of this your student loan account has been updated to ensure your successful return to student loan payments ... .Your account has been placed into an administrative forbearance ( meaning no payment is required ) for payments due between XXXX XXXX XXXX XXXX XXXX XXXX.. You are not required to make a payment untiXXXX XXXX XXXX  and your account will not be considered delinquent. '' I didn't receive any notice and therefore paid during these months expecting that a balance was due. My XXXX payment is due XXXX XXXX meaning they repeated the same issue and I didn't get communication until 8 days before my XXXX payment is due.

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 2024-01-02 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: CA

Complaint narrative:
I have suffered identity theft and power of attorney fraud by the following companies. Pursuant to XXXX XXXX XXXX XXXX XXXX, a United States Court of Appeals for the Ninth Circuit in 2001 ruled and emphasized that for a creditor to rely on a consumer 's consent, it must be informed and voluntary. Mere inclusion of a consent provision in a contract does not automatically establish informed and voluntary consent. The nancial institution must demonstrate that the consumer explicitly provided consent, indicating their understanding and agreement to have information reported to credit bureaus. Pursuanbt to FCRA 605b and 15 USC 1681 c-2 i demand the acount be removed and blocked from my reporting or you may be held liable for noncompliance pursuant to 15 USC 1681o and 15 USC 1681n

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 2024-01-02 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 have suffered identity theft and power of attorney fraud by the following companies. Pursuant to XXXX V. First American Credit, a United States Court of Appeals for the Ninth Circuit in 2001 ruled and emphasized that for a creditor to rely on a consumer 's consent, it must be informed and voluntary. Mere inclusion of a consent provision in a contract does not automatically establish informed and voluntary consent. The nancial institution must demonstrate that the consumer explicitly provided consent, indicating their understanding and agreement to have information reported to credit bureaus. Pursuanbt to FCRA 605b and 15 USC 1681 c-2 i demand the acount be removed and blocked from my reporting or you may be held liable for noncompliance pursuant to 15 USC 1681o and 15 USC 1681n

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 2024-01-02 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: CA

Complaint narrative:
I have suffered identity theft and power of attorney fraud by the following companies. Pursuant to XXXX XXXX XXXX XXXX XXXX a United States Court of Appeals for the Ninth Circuit in 2001 ruled and emphasized that for a creditor to rely on a consumer 's consent, it must be informed and voluntary. Mere inclusion of a consent provision in a contract does not automatically establish informed and voluntary consent. The nancial institution must demonstrate that the consumer explicitly provided consent, indicating their understanding and agreement to have information reported to credit bureaus. Pursuanbt to FCRA 605b and 15 USC 1681 c-2 i demand the acount be removed and blocked from my reporting or you may be held liable for noncompliance pursuant to 15 USC 1681o and 15 USC 1681n

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 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: UT

Complaint narrative:
I filed a complaint in XXXX about misreporting to my credit. I have never been late. XXXX  simply copy and pasted their complaint findings from the prior complaint and never addressed the fact that I have a 30 day late for XXXX. They also didn't address that I discussed this with an agent in XXXX and that agent from their company stated that the 30 day late would be removed. It is still on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 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: GA

Complaint narrative:
I am complaining because of XXXX  allowing fraudulent information to be reported on my credit profile. I am a victim of Identity Theft and I would like to have the fraudulent accounts removed from my 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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am complaining because of Experian allowing fraudulent information to be reported on my credit profile. I am a victim of Identity Theft and I would like to have the fraudulent accounts removed from my 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 2024-01-02 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:
I recently checked my credit reports and I found out some billing errors that violated the Law I attached the PDF file of my dispute letters that were sent to the involved Bureaus My dispute letters were ignored and nothing happens so far.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 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: NY

Complaint narrative:
I just reviewed my Equifax and XXXX credit reports and it shows inaccurate and unauthorized account. 

Please see the copy of my dispute letters that were already sent to the involved Bureaus. 

I have not received any responses yet

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: NV

Complaint narrative:
SEE ATTACHMENTS

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 2024-01-02 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I just obtained a copy of my credit reports and it shows unauthorized and fraudulent inquiries. 

Please see the copy of my dispute letters attached on this complaint The said inquiries are still showing on my credit report and it seems Bureau is ignoring my concern

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
I contacted discover to tell them the account opened is not mine. They have now updated my credit report with some XXXX cell phone number that is not mine. The only phone number that should be to my name is XXXX with the name XXXX XXXX XXXX. Nothing else. 
And the address should only be XXXX XXXX XXXX XXXX 
All others are fraudulent and my information has been stolen. 
Why would I report accounts I owe nothing on!!! Think about it!!! Its fraud, please update the 2 accounts I flagged that are not mine and the phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 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: NY

Complaint narrative:
I have 5 loan groups under NelNet corresponding with 5 loans I had taken out for various semesters of school. I activated auto debit on my student loan account to pull a total amount of ~ {$270.00} from my checking account to be applied to the 5 separate loans for the amount due for each loan group every month. 
On XX/XX/XXXX an autodebit for ~ {$270.00} was pulled from my checking account. This was supposed to be applied to the amount due for each loan group. 
The payment was pulled for the correct amount but was only applied to 1 loan group. The other 4 loan groups reported that a payment was made on XX/XX/XXXX but no payment was actually applied and interest continued to accrue between the last payment that was processed on XX/XX/XXXX and XX/XX/XXXX : when my monthly payment was due. The 4 loan groups were reported as current and paid however no payment was applied, no interest or principle was reduced, and my due date was moved to XX/XX/XXXX as if I had made my XX/XX/XXXX payment. The 1 loan group that had the full {$270.00} payment applied had most of the payment go to principle and pushed my due date for that loan forward into XXXX of XXXX. I called NelNet on XX/XX/XXXX who reported that they submitted a ticket to have the payment amounts corrected and to have all future payments corrected should the ticket be processed after my XX/XX/XXXX payment. 
By XX/XX/XXXX the payment was still not corrected and a second call was placed. The representative reported that the ticket was still in progress and could take up to 6 weeks to be completed. During this time interest was accruing on the 4 loans groups that had an erroneously reported payment for XX/XX/XXXX. 

On XXXX I made a payment of {$75.00} to pay down the interest that had accrued on the 4 loan groups that were not paid on XX/XX/XXXX. This was interested that should have been paid with the XX/XX/XXXX payment. 

On XX/XX/XXXX I made my monthly payment to each loan group manually but had I not paid extra interest in XX/XX/XXXX my entire payment on XX/XX/XXXX would have only gone to interest that was left unpaid on XX/XX/XXXX. 


As of writing this complaint, there has been no update from NelNet on the status of my ticket, they have no corrected my payment at all, and I have paid about {$75.00} in extra interest that accrued on my loans due to NelNet reporting a payment being made that was never applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Larry H. Miller Group of Companies
State: NJ

Complaint narrative:
I was sent a rebuttal of payment owed but still not verification of a debt I owe I was told I was XXXX  days behind but was also told I didnt have the payment arrangements time of recovery my last payment date was XXXX last payment made was XXXX start contract XX/XX/XXXX only missed XX/XX/XXXX payment of XXXX and tried pay {$800.00} XX/XX/XXXX and was denied payments and was sent no written notice how or were to Retrieve my vehicle NJ state law No written verification or chance to pay in full of time of repo I have an assigned without recourse contract the buyer is XXXX XXXX the seller is XXXX XXXX XXXX has a contract with XXXX XXXX for finance charges not wit me Im not responsible I payment wit credit transaction

Company response to consumer: Closed with explanation