vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-28 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 writing to file a formal complaint regarding the continued presence of fraudulent items on my credit report. Despite submitting disputes and providing supporting documentation on multiple occasions, these fraudulent accounts persist, and my previous attempts have not resulted in their removal. I am deeply concerned about the accuracy and integrity of the information contained in my credit report. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies thoroughly investigate and promptly correct any inaccuracies brought to their attention. 
However, your agency has consistently failed to fulfill these legal obligations in handling my case. The ongoing presence of these fraudulent items on my credit report has caused significant distress and financial harm. It has adversely affected my credit score and has impeded my ability to access credit and financial services. I would be appreciate if you would help me conducts an immediate and thorough review of my dispute and expedites the removal of the fraudulent items from my credit report. Furthermore, I request written confirmation detailing the steps taken to address this matter and the resolution thereof. With this, I am asking for your assistance to remove the fraudulent items : New Inaccurate Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-28 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: OH

Complaint narrative:
I reviewed my XXXX XXXX and noticed that there are many inaccuracies and late payments on my account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX I have not been late on payments for the accounts. ( XXXX XXXX ), ( XXXX ) has different dates of late payments. STRIDE, XXXX is shown as " closed '' for the account from XXXX while " XXXX '' from Experian. I contacted XXXX and confirmed with them that the account should be open. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as i was not Late, and remove the STRIDE from showing as " closed '' and current the dates for this as well as it shows different dates for payments being 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 2024-06-28 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:
I am writing to file a formal complaint against Credit Bureaus regarding their persistent failure to correct inaccurate information on my credit report. Despite my repeated attempts to resolve these issues over the past several months, totaling many separate requests, the credit bureaus has not taken the necessary actions to correct the late open accounts and remove the charge-off entries. Despite providing evidence that these accounts were not opened late, they remain incorrectly reported on my credit report. These entries are inaccurate and should have been removed after my initial dispute. However, they persist on my credit report, negatively impacting my credit score and financial standing. Despite my efforts, the credit bureaus has failed to correct the inaccuracies or provide a satisfactory explanation for their refusal to do so. I respectfully request for your intervention to ensure that the credit bureau/institution complies with the Fair Credit Reporting Act ( FCRA ) by accurately reporting my credit information. With this, I am asking for your assistance to correct the late open accounts and remove the charge off from my credit file : 1. XXXX XXXX Balance Owed : {$4000.00} Please check the Payment History and Status information on this account and adjust accordingly. 
2. XXXX XXXX Balance Owed : {$0.00} I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item 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 2024-06-28 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: GA

Complaint narrative:
I am writing to file a formal complaint against Credit Bureaus regarding their persistent failure to correct inaccurate information on my credit report. Despite my repeated attempts to resolve these issues over the past several months, totaling many separate requests, the credit bureaus has not taken the necessary actions to correct the late open accounts and remove the charge-off entries. Despite providing evidence that these accounts were not opened late, they remain incorrectly reported on my credit report. These entries are inaccurate and should have been removed after my initial dispute. However, they persist on my credit report, negatively impacting my credit score and financial standing. Despite my efforts, the credit bureaus has failed to correct the inaccuracies or provide a satisfactory explanation for their refusal to do so. I respectfully request for your intervention to ensure that the credit bureau/institution complies with the Fair Credit Reporting Act ( FCRA ) by accurately reporting my credit information. With this, I am asking for your assistance to correct the late open accounts and remove the charge off from my credit file : 1. XXXX XXXX Balance Owed : {$4000.00} Please check the Payment History and Status information on this account and adjust accordingly. 
2. XXXX XXXX Balance Owed : {$0.00} I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I've had the same issue with Nelnet on two occasions. I applied for the SAVE IDR plan through the federal student aid website on XX/XX/XXXX, and Nelnet put my account on Administrative Forbearance, leading to interest accruing on my account despite it being on Administrative Forbearance. The SAVE plan was approved on XX/XX/XXXX, but it was effective from XX/XX/XXXX. During this time, my interest grew to over {$400.00}, and even though the SAVE plan was active, the accrued interest was never removed.

I contacted Nelnet in XXXX and XX/XX/XXXX about this issue but got no result. 

On XX/XX/XXXX, I consolidated all my loans into one, causing the accrued interest to merge with the principal amount. I reapplied for the SAVE plan, got approved, and it is set to be effective from XX/XX/XXXX. However, during this time, my account is still on Administrative Forbearance, and I'm getting daily interest charged, causing the interest amount to grow day by day. I'm concerned that this will continue until XX/XX/XXXX. 


There is an announcement stating that borrowers should not accrue interest during Administrative Forbearance. Nelnet failed to comply with this on two occasions on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: PA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
Nissan Motor Acceptance Corporation has acknowledged that the account reported by XXXX has been settled and closed paid/ Never late. We request XXXX to accurately reflect this updated information on the credit report. 

Furthermore, Nissan Motor Acceptance Corporation is being accused of engaging in corporate malfeasance, including detrimental credit reporting practices and the unauthorized repossession of a vehicle owned by the consumer. While the account in question has been closed, the inaccuracies surrounding the incident have not been rectified. 

In addition, it should be noted that I have not previously raised this issue with XXXX. This communication serves as formal notice that inaccuracies present in the credit report are adversely affecting the consumer. Despite being aware of the disputed nature of this account and its involvement in legal proceedings, XXXX has persistently maintained the erroneous reporting. 

I am hereby requesting a compensation of {$3000.00} for the harm caused by these inaccuracies. Failure to address this matter adequately will compel me to seek redress through appropriate legal channels, utilizing this communication as evidence to support my claim.. 

Furthermore, it is imperative to highlight that XXXX XXXX actions may be in violation of the U.S. Code concerning late payments, specifically 15 U.S. Code 1666b. This violation is pertinent as the transaction in question was conducted using a credit card and a negotiable instrument. Such non-compliance with federal regulations further underscores the gravity of the inaccuracies in the credit reporting system and their detrimental impact on the consumer. 
XXXX CONSIDER THIS YOUR OPPORTUNITY TO CURE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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:
XXXX XXXX XXXX XXXX has acknowledged that the account reported by XXXX has been settled and closed paid/ Never late. We request ExperianXXXX to accurately reflect this updated information on the credit report. 

Furthermore, XXXX XXXX XXXX XXXX is being accused of engaging in corporate malfeasance, including detrimental credit reporting practices and the unauthorized repossession of a vehicle owned by the consumer. While the account in question has been closed, the inaccuracies surrounding the incident have not been rectified. 

In addition, it should be noted that I have not previously raised this issue with Experian. This communication serves as formal notice that inaccuracies present in the credit report are adversely affecting the consumer. Despite being aware of the disputed nature of this account and its involvement in legal proceedings, XXXX has persistently maintained the erroneous reporting. 

I am hereby requesting a compensation of {$3000.00} for the harm caused by these inaccuracies. Failure to address this matter adequately will compel me to seek redress through appropriate legal channels, utilizing this communication as evidence to support my claim.. 

Furthermore, it is imperative to highlight that XXXXXXXX XXXX actions may be in violation of the U.S. Code concerning late payments, specifically 15 U.S. Code 1666b. This violation is pertinent as the transaction in question was conducted using a credit card and a negotiable instrument. Such non-compliance with federal regulations further underscores the gravity of the inaccuracies in the credit reporting system and their detrimental impact on the consumer. 
XXXX CONSIDER THIS YOUR OPPORTUNITY TO CURE

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 2024-06-28 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: MO

Complaint narrative:
I am writing to follow up regarding their persistent failure to remove fraudulent items from my credit report. Despite my repeated attempts to resolve these issues, totaling XXXX separate requests, the credit bureau/institution has not taken the necessary actions to remove the fraudulent entries. I have provided extensive documentation to support my claims, including an FTC Identity Theft Report, police reports, and correspondence from creditors confirming that these entries are fraudulent. Despite providing evidence that these accounts were fraudulently opened, they remain incorrectly reported on my credit report. I trust that that you will take swift and decisive action to resolve this matter. I have enclosed copies of all correspondence and documentation related to my disputes for your review. The following items should be remove as soon as possible : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXX XX/XX/year> XXXX. XXXX XXXXXX/XX/year>.

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 2024-06-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Opportunity Financial, LLC
State: TX

Complaint narrative:
I have sent two different correspondence ( XXXX XXXX & XXXX XXXX ) informing that the information pertaining to XXXX/OPPLNS acct # XXXX, is incorrect and reported wrong on my credit report. These inaccurancies are highly injurious to my credit rating. I have asked for them to be removed but that has not happened The high balance listed is : XXXX - {$0.00} XXXX - {$1500.00} XXXX - {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: NV

Complaint narrative:
I went to check my credit profile and found some inquiries that are not mine.

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 2024-06-28 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 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: MD

Complaint narrative:
I viewed my credit report and noticed that there are fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: MD

Complaint narrative:
I viewed my credit report and noticed that there are fraudulent accounts.

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 2024-06-28 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts XXXX FEDERAL XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-06-28 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts XXXX FEDERAL XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XX/XX/year> : I opened checking and saving accounts with BMO online and transferred two {$26.00} from XXXX XXXX checking account to BMO checking account and saving account respectively. 

XX/XX/year> : when I was trying to set up direct deposit via XXXX with BMO, I was informed that my account was frozen, I called the BMO customer representative and I was told that BMO fraud department was doing the investigation, I shall get a letter by mail within 90 days.

Until earlier this week, I just realized that I haven't got any letter by mail from BMO, it has been over 90 days ( 6 months already.. ) I called the BMO customer service multiple times over the past days ( FYI : there is no BMO branch in XXXX  ), the answer I got was that the fraud department closed my accounts on XX/XX/XXXX, the funds should have been return to the issuer ( XXXX XXXX ) , I was checking all activities from last XXXX until current from my XXXX  account, there was no funds returned from BMO. So I called BMO again this morning and got connected to BMO 's fraud department, the lady told me to reach out to XXXX  to process it and they could do nothing at this point. I went to XXXX XXXX in XXXX XXXX during my lunch break, the XXXX XXXX helped me to connect the person from back office, I was told that XXXX  can not recall the deposits I made last XXXX as it's been over 60 days per their protocol, and XXXX doesn't have option to talk or reach out to another bank 's fraud department. these two {$26.00} transfers were authorized by then, they were sorry about my frustration.

I'm really thankful if you can help out to reach out to BMO fraud department and move it forward. I'm really XXXX that BMO closed my accounts without informing me as customer, the accounts were closed back in XXXX, I receive nothing from them, no letter, no email, nothing! After I spent hours on multiple calls with different representatives this week, they still can not resolve the problem, I just need my money back. this is the worst banking experience so far in my life.

Please feel free to reach out to me if you need additional information from me.

Thanks!

Best,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-28 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:
Hi, I am a victim of identity theft and I was just on the phone with XXXX XXXX XXXX they told me this fraud account shall delete from my credit report. I never have any knowledge about this fraud and nothing is correct about this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation