vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
This company, XXXX XXXX, has called, emailed and mailed me about an alleged debt of {$10000.00}. I have never done business nor have I signed any contract with this company yet theyre reporting a false amount on my credit reports. I requested a debt of validation from this company about this alleged debt in which they failed to provide me with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX. I would like to request a copy of my consumer file and report from all 3 credit reporting agencies. I attempted to request online but the page will not load.

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 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
Upon inspection of my credit report, I noticed the following information is incorrect : Address - Any other addresses are undeliverable, and I have no access to them. Please remove these incorrect addresses immediately. 

Attached is the supporting documentation to validate my dispute. Please update your records 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 2023-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have requested 4 times Transunion reveal the method of verification on an erroneous XXXX XXXX XXXX  they've been reporting on my credit profile for nearly 4 years. They never reveled the method of verification only updated it as valid. The last three requests have been ignored altogether without a response.

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 2023-09-17 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: OH

Complaint narrative:
I HAVE NOT RECIEVED ANY VERFICATION OF DEBT REPLY. COMPANY VIOLATED THE CEASE AND DESIST BY REPORTING TO CREDIT BUREAU WITHOUT PROVIDING ME WRITTEN PROOF AS REQUESTED. I HAVE NOT RECIEVED ANY PROOF OF DEBT OR SIGNED DOCUMENT BY ME THAT VALIDATES THE DEBT AND ITS BEEN OVER 90 DAYS. LAW 15 USC 1681 HAVE BEEN VIOLATED BY THE COMPANY 'S ACTIONS AND I REQUEST YOU TO REMOVE THESE NEGATIVE ACCOUNTS FROM ALL BUREAUS IMMEDIATELY. I WILL BE LOOKING TO SUIT AND COMPLAINTS WITH THE FTC BECAUSE MY RIGHTS AND LIVELIHOOD HAVE BEEN AFFECTED BY THEIR ACTIONS!

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 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: GA

Complaint narrative:
Upon inspection of my credit report, I noticed the following information is incorrect : Full name- There should be no other names listed on my report. Please remove all the other names you have listed as they are incorrect. 

Date of birth Current address - Any other addresses are undeliverable, and I have no access to them. Please remove these incorrect addresses immediately. 

Employer - This is not my employer, please remove employer from my report. 

I do not wish to have any telephone numbers on my report. 

Attached is the supporting documentation to validate my dispute. Please update your records promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17 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: LA

Complaint narrative:
I have made several attempts to resolve the inaccurate information that is on my credit report. Each time then results is stated as verified correct. How is the information verified correct if I received a letter from the financial institution with the correct information on the letter and have sent the letter to the credit bureau several times. I would like to know how is the information being verified? Im in the process of purchasing a house and this inaccurate information causes higher interest. I just want my credit updated correctly

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 2023-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
My problem is with USAA savings bank I closed the card credit card account and they have charged me with a {$1000.00} debt that I don't owe so they did not close the account right away they have charged to the credit bureaus a complaint that I owed {$1000.00} on this unsecured card which is not true the card that I have with them was a prepaid credit card secured with {$1000.00} of my money in contacting the company when I found out the card had not been canceled and that they were claiming that I owed {$1000.00} for this card I spent approximately XXXX months back and forth on the phone with USAA savings bank and finally had them look through their archives and find that they did in fact have a {$1000.00} deposit in that they put in a CD to secure the credit card when I cleared the card and attempted to close the account the card account they never closed it they didn't close the account right away so there was some charges that came up on the card that I c when I attempted to contact USAA and straighten out this matter they would not address the issue because the phone number that I had when I had that account I no longer had that phone number so even though I verified all of my information could not prove whether they were my charges or not because the card had been closed and the bank account closed for about a year so all documents when I purged my file was drawn away or destroyed they are still claiming that I owe {$1000.00} in credit of debt to them even though I had them go to their archives and find my {$1000.00} that I put down as a deposit to secure this card this credit card was closed or canceled in XXXX of XXXX maybe actually about XXXX of XXXX I found out in XXXX of XXXX that they had not canceled the card and that there were charges that came up on the card being that I could not prove that these charges were not mine I accepted those charges but I continued to ask them to remove the false claim of {$1000.00} from my account and from the credit bureaus I thought that was gon na be done in XXXX of XXXX I saw that they were still claiming that I owed {$1000.00} for this credit card which again was a secured credit card secured by a {$1000.00} deposit that I put down which USAA savings bank put in ACD to secure this credit card my phone number is XXXX my phone number is XXXX XXXX The system is not allowing me to change the phone number

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 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: MD

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-09-17 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: MD

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
THIS ACCOUNT REACHED IT'S 7 YEAR EXPIRATION DATE IN XX/XX/XXXX, YET IT STILL APPEARS ON MY CREDIT IN CLEAR VIOLATION OF THE FCRA LAWS!!! 

DO NOT SEND ME ANY PHONY LETTERS DEMANDING I IDENTIFY MYSELF! I HAVE DONE WHAT THE CFPB REQUIRES ON THIS SITE WHEN FILING THIS COMPLAINT! 

YOU ARE IN CLEAR VIOLATION OF THE FCRA LAWS FOR ALLOWING OUTDATED NEGATIVE INFORMATION TO REMAIN ON MY CREDIT PAST ITS TIME! 

I WILL BE WELL WITHIN MY LEGAL RIGHTS TO SUE YOU UNDER THE FCRA LAWS AND WILL FOLLOW THROUGH ON IT WITH THE PROOF OF MY CREDIT REPORT FOR XX/XX/XXXX WHICH I PULLED TODAY AND THE OUTDATED ACCOUNT REMAINS DUE TO YOUR REFUSAL TO REMOVE IT PER THE FCRA LAWS!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX. I would like to request a copy of my consumer file and report from all 3 credit reporting agencies. I attempted to request online but the page will not load.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX. I would like to request a copy of my consumer file and report from all 3 credit reporting agencies. I attempted to request online but the page will not load.

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 2023-09-17 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: FL

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ; I filed disputes due to me being a victim of XXXX XXXX and identity theft with Equifax and they are refusing to take my proof of being a victim of XXXX  XXXX. This is shocking because from the dates of XX/XX/XXXX until XX/XX/XXXX the documentation that I had to submit every time I filed a dispute was considered valid and proved I was victim and now all of sudden Equifax is saying that my documentation proves nothing. They are simply refusing to remove any adverse action that resulted because of me being a victim of both XXXX. I have attached proof that they accepted the documentation last on XX/XX/XXXX and I have attached where they are now saying those documents aren't good enough. Which it is absolutely insane that I have to submit XXXX XXXX  documentation every time I file a dispute instead of like with XXXX and XXXX, this information is already on file and they already are able to see I'm victim by pulling up my information. It's sickening that this company is now putting me through this and refusing to remove items my attackers used my information to get.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CA

Complaint narrative:
I can't log into my new online account on EdFinancial. I can log into my old account, but not the new one. EdFinancial has a new system. I got an email saying my new account is ready. I logged in correctly and it's still not letting me in. I correctly put my password and username. It's says I'm not in the system. Other people have this problem. I have contacted EdFinancial but they have not reply to my emails or calls. I even used their chat line and they completely ignored me. How am I suppose to pay my loans if I can't even log in to my account? I need this fix now. I want access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Well I made a dispute with Wells Fargo regarding a {$4000.00} transaction with a merchant I made a purchase through but I didn't receive the product as promised so I reached out to the merchant to see if we can come to a resolution of a refund the merchant declined and then cut me from all of the services I have paid for and so I follow it up with Wells Fargo which to make a dispute regarding this issue and I was denied from Wells Fargo about this dispute as of yesterday.

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 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I noticed that my personal information is not currently matching up with my I dentification. I would like to get my address corrected and update the city. I have included documents below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
Please see the attached notice of arbitration & statement of claims, arbitration demand, and all exhibits. We are now in active litigation and will be assigned a case number soon. This is the official notice of arbitration and will also be mailing out another notice

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: OPORTUN FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had a savings account with Oportun online bank for XXXX years. On XXXX  XX/XX/XXXX at XXXX, I closed my account and received an email from the stating my remaining balance of {$370.00} should arrive in bank account by XX/XX/XXXX. On the evening of XX/XX/XXXX, i sent an email stating I have not received my money and asked why haven't I received my money and when can I expect it. The customer service agent responded that the bank has til XXXX XXXX " on the last business day ''. The other information presented was to check the help section of the website for what happens when you close your account. 

I've never had a problem receiving withdrawals from Oportun into my XXXX account previously and I'm trying to find out what the issue is not but they refuse to look into the matter. I even contacted XXXX and they stated they haven't received any other deposits from Oportun.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
I spoke to citizens bank on the phone and contacted them to close my checking account. I do not have access to this checking account because they locked me out of it and I can't even reset the password to the account. I was told my account is being closed but I just received an overdraft notice on an account that should have been closed months ago.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-17 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: FL

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ; I filed disputes due to me being a victim of XXXX XXXX and identity theft with Equifax and they are refusing to take my proof of being a victim of XXXX XXXX This is shocking because from the dates of XX/XX/XXXX until XX/XX/XXXX the documentation that I had to submit every time I filed a dispute was considered valid and proved I was victim and now all of sudden Equifax is saying that my documentation proves nothing. They are simply refusing to remove any adverse action that resulted because of me being a victim of both crimes. I have attached proof that they accepted the documentation last on XX/XX/XXXX and I have attached where they are now saying those documents aren't good enough. Which it is absolutely insane that I have to submit XXXX XXXX  documentation every time I file a dispute instead of like with XXXX and XXXX, this information is already on file and they already are able to see I'm victim by pulling up my information. It's sickening that this company is now putting me through this and refusing to remove items my XXXX  used my information to get.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 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: FL

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ; I filed disputes due to me being a victim of human trafficking and identity theft with Equifax and they are refusing to take my proof of being a victim of human trafficking. This is shocking because from the dates of XX/XX/XXXX until XX/XX/XXXX the documentation that I had to submit every time I filed a dispute was considered valid and proved I was victim and now all of sudden Equifax is saying that my documentation proves nothing. They are simply refusing to remove any adverse action that resulted because of me being a victim of both crimes. I have attached proof that they accepted the documentation last on XX/XX/XXXX and I have attached where they are now saying those documents aren't good enough. Which it is absolutely insane that I have to submit human trafficking documentation every time I file a dispute instead of like with XXXX and XXXX, this information is already on file and they already are able to see I'm victim by pulling up my information. It's sickening that this company is now putting me through this and refusing to remove items my attackers used my information to get.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I noticed that my personal information is not currently matching up with my I dentification. I would like to get my address corrected and update the city. I have included documents below.

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 2023-09-18 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: IL

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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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