vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-02 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: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate

Company 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 2023-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
Made payment towards bill. Bank took payment. Company took the money still placed a hold on my card and couldn't use it. Still can't use it. Customer service does nothing but give you the XXXX number which they hangup on you constantly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 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:
I disputed an XXXX XXXX account/tradeline on or around XXXX XX/XX/2023 with Experian. Experian alleges they conducted a re-investigation and provided the results on XXXX XX/XX/2023. Experian claimed " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. '' To be clear the " updated '' information is alleged to be for the same account/tradeline. It is clear Experian did not conduct a re-investigation because the comments for the dispute reference the account/tradeline XXXX XXXX XXXX with the comment SEND ITEM ALREADY MATCHES THE DISPUTE REQUEST. Therefore, Experian did NOT conduct a reasonable reinvestigation compliant with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Now, reasonable procedures under 1681e ( b ) are not proof of a reasonable re-investigation under 1681i ( b ). The re-investigation requirements under 1681i ( a ) mandates a more thorough investigation than 1681e ( b ) ( see. Chaitoff v. Experian Information Solutions , Inc., No. 21-2632 ( 7th Cir. 2023 ) ). While a CRA 's liability under the two sections may diverge depending on the facts, and while 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires more than a cursory examination investigation into a dispute, even a cursory examination of the documents I supplied to Experian for the disputed account/tradeline show the XXXX account XXXX as reported to Experian, is false/misleading/inaccurate because they are documents from XXXX for the same account that provide contradictory explanations for the errors in reporting, which XXXX acknowledges being aware of, but have failed to fix ( see XXXX XXXX XX/XX/2023 response in XXXX XXXX XXXX '' attached ). At this point Experian knows, or should know, the account/tradeline is false/misleading/inaccurate. Since Experian failed to conduct a reasonable re-investigation, the XXXX account/tradeline needs to be removed.

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 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please remove the late payment from my account. 
I always pay on time. This is causing me a lot of stress.

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 2023-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: IL

Complaint narrative:
First, the company has misclassified my student loans so that I missed out on the interest freeze and the repayment freeze. I am currently trying to contact them as they have miscalculated my income-based repayment ( trying to charge me 50 % of my monthly income on an IBR plan which is only supposed to be between 10 and 15 % ). There is no way to contact them. You can not fix this on their website, and I have called them 5 times, during their business hours, and the automated system continues to hang up claiming that the call center is closed. I started calling at XXXX XXXX  XXXX XXXX. THey are supposed to be open until XXXX XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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 have attached an FTC report with fraudulent unauthorized inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 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: NC

Complaint narrative:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. DPT EDXXXX XXXX Balance Owed : {$1400.00} ; DPT EDXXXX XXXX Balance Owed : {$920.00} ; DPT EDXXXX XXXX Balance Owed : {$4200.00} ; DPT EDXXXX XXXX Balance Owed : {$9100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$19000.00}.

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 2023-10-02 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: PRESTIGE FINANCIAL SERVICES INC
State: TX

Complaint narrative:
Hello down believe I will be attaching a file of all the inquiries that I didnt approve of none of these are me and they have all been done fraudulently I have been trying to reach out to get them removed and no information has been provided to be for these to be accurate please remove these in a time manner

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: United PanAm Financial Corp.
State: NC

Complaint narrative:
I purchased a product on or about XX/XX/XXXX of XXXX l then used the same vehicle on a road trip after getting it mechanically inspected. The vehicle made the trip no problem, upon the return the vehicle developed a heater hose issue. I parked the car and notified the dealer in which the vehicle was purchased. His idea of assistance was to offer a used motor for an additional {$1000.00}. When I told him that I could not afford that option, he reminded me that we did sign a 1-year warranty agreement. I then attempted to exercise this agreement, but the warranty department did not return any of my attempts to contact them. The licensed mechanic that discovered the motor issue did make contact with the company. He then forwarded the email to me ; I still have this email in my files. The company asked him to get the owner 's approval to begin the work so that they can see which parts are warrantied. Now, this is unacceptable, for one the mechanic told them that he recommended a new motor and two, I would have to incur the cost of the mechanical exploration in order for them to assess what they would cover. I had this vehicle for less than 90 from the purchase date, I did nothing to exacerbate this situation, but now my credit is in jeopardy. It would be better if this deal had never been done. Please help me resolve this, I do not mind paying my portion, but they should honor the arrangement or return my investment. They have no problem calling me daily to attempt to collect payment, which I willingly admit I withheld to get someone from the warranty department to contact me. This effort has failed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have attached an FTC repot with fraudulent unauthorized inquiries

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 2023-10-02 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: MN

Complaint narrative:
I contacted Experian because they continue to report incorrect information about XXXX old loan accounts I had with XXXX. I disputed these inquiries ( with documented proofs ) using Experian 's online dispute form, and was contacted about a week later saying Experian resolved the dispute. However, when I logged-in to see the resolution, all Experian had done was send me a note saying I should call XXXX. When I originally submitted the dispute with Experian, I informed them that I had already attempted to resolve this issue with XXXX but XXXX has not removed the incorrect information, nor have they done anything else to correct the error. The last time XXXX updated my file with Experian was almost 1 year ago, and in the past year XXXX closed my account when they transferred my accounts to XXXX, where both my loans was subsequently completely paid and my accounts closed. I submitted all this information to XXXX and Experian but they will not correct these errors in my credit report file.

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 2023-10-02 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: PA

Complaint narrative:
I am a victim of identity theft. I am not liable for this XXXX XXXX Account. 

Attached is FTC 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 2023-10-02 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: PA

Complaint narrative:
I am a victim of identity theft. I am not liable for this XXXX XXXX Account. 

Attached is FTC Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 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: Chime Financial Inc
State: OH

Complaint narrative:
Subject : Unauthorized Transactions and Request for Temporary Credit Dear Consumer Financial Protection Bureau Representatives, My name is XXXX XXXX, residing at XXXX XXXX XXXX, XXXX XXXX, OH XXXX. I am writing to report a serious concern with my account with Chime, where two unauthorized transactions have been made that I emphatically deny. 

I have approached Chime regarding this matter, but a response or resolution is yet to follow. In accordance with the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ), I requested a provisional credit during the investigation of these transactions, but this has not been granted. 

Hence, I insist on an immediate refund of the funds unauthorizedly withdrawn from my account, as well as the issuance of temporary credit, which is my right by law during the investigation of this incident. 

I am seeking your assistance in resolving this situation as I am a victim of financial fraud and my legal rights are at risk. I request your intervention to regulate this situation and ensure the adherence to my rights as per applicable laws and standards. 

Thank you for attending to my concern. I stand ready to provide all necessary documents and information for further investigation into this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There's great concern regarding inaccurate information that has persistently appeared on my credit profile. I have diligently disputed these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) on more than three occasions. Despite my efforts and the clear violations of these laws, the concerns have been consistently ignored. This prolonged period of inaccurate information on her client credit report has had a detrimental financial impact on her life.

It's worth noting that 15 U.S. Code 1681, which outlines Congressional findings and the statement of purpose, emphasizes the importance of accuracy and fairness in credit reporting. The intent of the law is to ensure that credit reporting agencies maintain the accuracy of consumer information. Furthermore, 15 U.S. Code 1681b mandates that credit reporting agencies must employ reasonable procedures to ensure the accuracy of the information they collect and report.

Pay attention that 15 US CODE 1681i stipulates that credit reporting agencies are obligated to delete inaccurate information from consumers ' credit reports. Furthermore, 15 US CODE 1681 emphasizes the importance of privacy in credit reporting, and 15 USC 1681s-2 explicitly prohibits the furnishing of inaccurate information related to a consumer if there is knowledge or reasonable cause to believe that the information is inaccurate.

Additionally, 15 US CODE 1681e-b mandates that any collection or account information must be 100 % accurate across all credit reporting agencies. Please take immediate action to rectify these violations, remove the inaccurate information from credit report, and ensure that her rights as a consumer are upheld in accordance with these legal provisions.

*** Understand 15 usc 1681 section 604 ensures her that you need her written instructions, my client stated that she never gave you her written consent or oral consent 15 U.S. Code 1681a, and last but not least you violated 15 U.S. Code 1681b - Permissible purposes of consumer reports.

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 2023-10-02 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 have no affiliation with these creditors and I did not make this inquiry. 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 2023-10-03 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXance Owed : {$0.00}.

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 2023-10-02 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX # XXXX, has violated my rights. 

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 2023-10-03 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: IL

Complaint narrative:
EQUIFAX is obligated by the FCRA to report accurate accounting. consumer has advised the bankruptcy is not accurate. said company had 4 days according to LAW to remove such items.

Consumer is now requesting EQUIFAX to provide the documentation used to determine bankruptcy was indeed the consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is not asking for an e-oscar report. If EQUIFAX does not have documentation to show the facts of this bankruptcy it must be removed asap. 


SAID company is liable under the SEC to follow certain rules. EQUIFAX Commission file number XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX. 


I will be filing form XXXX treasury omb forms to audit consumers account. EQUIFAX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: NC

Complaint narrative:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX Balance : {$880.00} XXXX XX/XX/2023.

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 2023-10-02 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: PA

Complaint narrative:
I am Not liable for these accounts listed XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX. Theses account are Fraudulent. 

FTC Report 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 2023-10-03 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: TX

Complaint narrative:
Kindly update my account this causing me a lot of stress 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 non-monetary relief