vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am formally disputing and requesting the immediate removal of this fraudulent account from my credit report. This dispute stems from a case of identity theft, for which I have filed a formal report with the Federal Trade Commission. Additionally, I have contacted the banks associated with the fraudulent account. 

The banks have acknowledged the legitimacy of the identity theft report and identified a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent account, which has mistakenly been on my report for over five years. 

However, this fraudulent account still appears on my report under your bureau, and I am curious about the confirmation process you have undertaken. XXXX and XXXX credit bureaus have ceased reporting this fraudulent account since the submission of the required documents. What actions are you taking, as your bureau continues to report this account. XXXX 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 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In the terms and conditions of XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX XXXX, and XXXX XXXX XXXX, they agreed not to share my information with non-affiliates. EXPERIAN, XXXX, and XXXX are not affiliates of the aforementioned companies, nor are they bureaus. The only true credit bureau is the CFPB, which does not furnish consumer reports as stated in federal law. I have a right to privacy, and per the Privacy Act of 1974, as a federally protected consumer, I am now rescinding and revoking any and all authorizations I may have given, whether written, non-written, verbal, or non-verbal, per 5 U.S. Code 552a. Furthermore, per the FCRA, as a federally protected consumer, I am now opting out of any and all authorizations I may have given, whether written, non-written, verbal, or non-verbal, per 15 U.S. Code 6802.

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 2024-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/year> I sent {$70.00} to someone. When they realized PayPal said they would receive the funds a week later, on XX/XX/year>, they told me to cancel it, and opted for an immediate form of payment, which turned out to be XXXX. I then went to the transaction, but its status was " completed '. There was no option to confirm or cancel the payment of {$70.00}. I then personally called and contacted PayPal but the phone machine said they are unable to refund, and the phone machine then told me to speak to the seller. Since I have already spoken to the seller, I went to the transaction and filed a complaint on the 'resolve a problem '' link. I filed a complain there but there was no confirmation that they received the complaint the estimated time they would get back to me was blank. Other than that the platform, PayPal, has not done anything to inform or entertain my filed report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NC

Complaint narrative:
I am unaware of those debt I didnt have the opportunity to take care of this before they put it on my report if in fact you believe gave me proper notification then please send me the certified receipt with my signature on it and send me the method of validation and I am requesting the Foward Flow Agreement According to 12CFR 1006.34 ( b ) ( 5 ) I did not give them permission to place anything on my credit report 12CFR1006.34 ( c ) ( 4 ) ( i ) ,12CFR1006.34 ( d ) and 15usc 1681s-2 ( 7 ) A my civil liability are being violated, my privacy Defamation of character mental Anguish.Also I am requesting proof that they are licensed and bonded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: TN

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

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 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

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 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Credit bureau did nothing to address my dispute below. 

Please remove the following items from my credit report immediately PERSONAL INFORMATION 1. XXXX XXXX XXXX, XXXX, GA XXXX This personal information is incorrect, please remove it from my credit report immediately. 
2. XXXX XXXX XXXX XXXX, XXXX, GA XXXX This personal information is incorrect, please remove it from my credit report immediately. 
3. This name XXXX XXXX is incorrect please remove it from my credit report immediately. 

INACCURATE REPORTING 1. XXXX, Account # XXXX-This account is being reported inaccurately, please remove it from my credit report immediately. 
2. 1. XXXX, Account # XXXX-This account is being reported inaccurately, please remove it from my credit report immediately. 
3. XXXX  XXXX, Account # XXXX-This account is being reported inaccurately, please remove it from my credit report immediately. 
4. XXXX, Account # XXXX-This account is being reported inaccurately, please remove it from my credit report immediately. 
5. XXXX  XXXX, Account # XXXXThis account is being reported inaccurately, please remove it from my credit report immediately. 
6. XXXX XXXX, Account # XXXX-This account is being reported inaccurately, please remove it from my credit report immediately. 
7. XXXX XXXX XXXX, Account # XXXX-This account is being reported inaccurately, please remove it from my credit report immediately. 
8. XXXX XXXX XXXX, Account # XXXX-This account is being reported inaccurately, please remove it from my credit report immediately. 

INQUIRIES 1XXXX This inquiry was not authorized, please remove it from my credit report immediately. 
2. XXXX XXXX XXXX, XXXX This inquiry was not authorized, please remove it from my credit report immediately. 
3. XXXX XXXX XXXX, XXXX This inquiry was not authorized, please remove it from my credit report immediately. 
2. XXXX XXXX XXXX This inquiry was not authorized, please remove it from my credit report immediately.

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 2024-05-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I am enrolled in a rate reduction program with Navient to pay back my student loans. I have been making the necessary payments ( {$460.00} ) consistently for years! However, i have been experiencing some hardship and have fallen 5 months behind. I have had many conversations with Navient explaining my situation and have repeatedly been told that this is my obligation and theres nothing else they can do to help me with the monthly payments. Im not eligible for deferment or forbearance. My credit score has dropped significantly due to the reporting to the credit bureaus. They have called multiple times a month, harassing me and my father ( who is my co-borrower, but retired ). They sent letters recently stating they will be sending the account for litigation review and more recently stated the account is under review for litigation. On XX/XX/24 i received a called where the workers supervisor triggered my mental health & was rude with me. Furthermore, she stated shes sorry i had a recent death in the family, but that me and my co-borrower should have budgeted to make sure the loan was being paidin the midst of our tragedy/grieving. That supervisor proceeded to state that Navient will put a lean on my fathers home. Looking for guidance and assistance as I feel that this is completely unfair to harass someone that has been making consistent payments for years, but once they have fallen a few payments behind due to hardship, theres no understanding or compromising with different options that can work for all parties. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments.

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 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing this complaint because there are inaccurate accounts that I have disputed with Experian that still remains incomplete and inaccurate as it still misses the same payments I have disputed and is still inaccurate hosting the same inaccurately reported account that reports late payments while the account is currently closed. For these accounts Experian stated remains as the dispute results while the accounts are currently inaccurate. EXPERIAN is in direct violation of the FCRA and has failed to conduct a reasonable reinvestigation. Remove the following accounts for direct violation of 15 USC 1681e ( b ). I want the accounts removed immediately. ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. This company also failed to provide notice that the account XXXX XXXX was dispute in the payment summary per 15 USC 1681i ( c ) ( c ) Notification of consumer dispute in subsequent consumer reports Whenever a statement of a dispute is filed, unless there are reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumers statement or a clear and accurate codification or summary thereof.

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 2024-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ASSOCIATED BANC-CORP
State: MN

Complaint narrative:
Good day, I made a transaction below details of it : XXXX XXXX - {$340.00} From : Associated Access Checking ( XXXX ) {$620.00} Posted : XX/XX/2024 It appears on your statement as : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Nickname : XXXX XXXX I used Assotiated debit card for that. 

Transaction was made though XXXX platform, XXXX XXXX on that platform : XXXX XXXX XXXX XXXX XXXX XXXX & XXXX & XXXX I have all details about it as well. 

After transaction have been completed, shop disappeared from that platform and nothing have been shipped. 

I reach platform they redirect me to bank later I reached my bank and approximately after 2 months they made investigation and refuse to help me help. They decided that nothing wrong with transaction even it was scam. I provided all details about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
A XXXX Dollar charge was made to XXXX XXXX XXXX in XXXX pa. in which an investigation needs conducted that's fraud roughly 5 years ago. 
XXXX. Was lost to XXXX XXXX and XXXX. Was lost to XXXX XXXX. 
XXXX at XXXX XXXX XXXX nc. is supposed to be working on this. He is not!! 

Next is M and T bank XXXX. Was unauthorized fraud transaction at XXXX XXXX, pa by XXXX XXXX XXXX XXXX XXXX XXXX XXXX They should have whole transaction on CAMERA!! 
M And T headquarters is in XXXX new York!! Please contact them!! 

NOW, XXXX IS NOT CREDITING MY ACCOUNT AND BRINGING IT UP TO XXXX. I HAVE TRIED TO FILE FRAUD CLAIMS. AND THEY ARE TAKING THIER SWEET TIME!! 
HEADQUARTERS NEEDS CONTACTED!! Please! 

On Thursday. Of last week I got XXXX XXXX XXXX XXXX XXXXXXXX. Trying to get XXXX. Drs here in u..s WILL NOT ORDER IT!! SO I AM TRYING XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX IN XXXX. 
THAT IS GOING TO XXXX COST!! 
PLEASE HELP!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2024-05-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX  ACCOUNT XXXX I DONT HAVE CONTRACT WITH XXXX XXXX XXXX XXXX THEY NOT PROVIDE ME WITH THE ORIGINAL APPLICATION I LIKE ASKED.

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 2024-05-22 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: MI

Complaint narrative:
ED/Nelnet the U.S Department of Education Resolution Group wrote they did not give me IDR Loan Forgiveness because they do not own the 2 consolidation loans and they sent the 2 consolidations back to the previous holders. ED/Nelnet are you the current holder of the 2 consolidation ID XXXX and XXXX as written. letter enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Real Time Group, Inc.
State: AZ

Complaint narrative:
There is an app, company called XXXX and Ive been current on the payments Within 30 days. 

However, on at least four occasions they have sent a debt collector called Real Time solutions, Inc to collect. They claimed they have the right to collect payments, but they are not 30 days overdue every month. 

They are harassing me and using scare tactics for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have reviewed my consumer reports and notice that I had XXXX late payments on the account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account that I have included in the screenshot inside the complaint in on the dates ( XX/XX/20 ) and ( XX/XX/20 ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments to be updated to paid as agreed on time as they should be, due to the fact I was never late. Thanks. Please see screenshot attached :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have reviewed my consumer reports and notice that I had XXXX late payments on the account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account that I have included in the screenshot inside the complaint in on the dates ( XX/XX/year> ) and ( XX/XX/year> ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments to be updated to paid as agreed on time as they should be, due to the fact I was never late. Thanks. Please see screenshot attached :

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 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.

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 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please take urgent action to remove the fraudulent ACCOUNTS from my credit report, as they were not authorized by me and are causing me significant distress.

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 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please take urgent action to remove the fraudulent ACCOUNTS from my credit report, as they were not authorized by me and are causing me significant distress.

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 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

XXXX XXXX AUTO 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 non-monetary relief