vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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

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

I have not received any responses yet

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: TX

Complaint narrative:
You are reporting incorrect information for the account XXXX XXXX XXXX. XXXX is reporting that I was late on this account 19 times, while Equifax is reporting XXXX late payments. XXXX reports that this account was paid off. How is this accurate reporting. XXXX XXXX informed me that they submitted a request to update the tradeline on XXXX XXXX so why is this incorrect information still reporting? This is a violation of the FCRA and if this account is not removed due to inaccurate reporting, I will be taking legal action against your company. Please see the attached response letter from XXXX XXXX and the credit report showing the inaccurate reporting. The data being furnished on my credit report is not credible and therefore has to be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

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

I have not received any responses yet

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: GA

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

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

I have not received any responses yet

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
The State Employees ' Credit Union bank ( NCSECU ) failed to provide sufficient notice of balance on inactive credit account. This resulted in an unforeseen late report which could've been resolved. I paid the balance and closed the accounts immediately but was unfortunately only notified by a 3rd party credit score monitoring service. I have disputed this report with the bank as well as state and federal agencies. My concern remains that communication to customers from the NC SECU prior to taking credit-impacting action is insufficient. I was only provided a single mailed letter. Being out of town at the time, this was not received for weeks. The credit union has an account messaging system that was not used to provide notice. My contact information including accurate email and phone number was not used to provide notice. Engagement to the customer was minimal to the point of negligence. Removal of " late '' status from reporting and my credit history is requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: WI

Complaint narrative:
On XX/XX/2023 I submitted a complaint through the cfpb website portal. Asking Spring Oaks Capital LLC to send me the original contract aggreement documents showing that I owe any debts to their company. And their company did not comply because I haven't received the documentation that I requested from them at all. But their collection agency is still reporting this unverified false information to XXXX credit reporting agency. Now they are violating my consumer rights under the Fair Credit Reproting Act and according to the Fair Debt Collection Practices Act. And I demand this account be deleted from my XXXX credit report immediately for their non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: SC

Complaint narrative:
I recently pulled a copy of my credit report and noticed a series of inaccuracies being reported as late payments. During the pandemic, prior to experiencing a hardship I reached out to the creditors to make an accommodation on the accounts to ensure my credit would not be impacted due to lay offs. Furnishing the late payments to my profile is in violation of 15 USC 1681 S-2 ( F ). Not only were the late payments covered by the CARES act during these periods, but I paid as agreed on the following accounts, XXXX XXXX, XXXX XXXX XXXX, and XXXX. Further furnishing late payments is also in violation of 15 USC 1666B, specifically with XXXX account. I've reached out to the CRA ( XXXX, XXXX, and Equifax ) attempting to resolve and have this information updated in XX/XX/2023 and XX/XX/2023. I requested verification and have not received a timely response. The late payments being reported are severely affecting me purchasing a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: CA

Complaint narrative:
I applied for the XXXX plan in XX/XX/XXXX to prepare for repayments restarting in XX/XX/XXXX I received a letter from Nelnet on XX/XX/XXXX that my XXXX  application for XXXX was approved and payments would begin XX/XX/XXXX with a payment of {$570.00} When I logged into my Nelnet XXXX that week my minimum payment was over {$1000.00}. 

I called Nelnet and they told me that they did not receive an application for XXXX even though I got a confirmation letter from them in XX/XX/XXXX. They recommended that I place my loan in forbearance while I apply to SAVE. 

I received a second confirmation letter from Nelnet that my XXXX application was accepted XX/XX/XXXX but my loans are still in forebearance. 

Since XX/XX/XXXX I call Nelnet two or three times a week, wait on hold for hours, only to have my call dropped before speaking to a customer service rep. 

This is unacceptable because I should not be accruing interest under the federal government 's XXXX plan. But due to Nelnet being unable to make timely changes I have had months of interest accrue on my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: OK

Complaint narrative:
THE ITEMS LISTED ON MY REPORT ( XXXX XXXX C/O XXXX XXXX, XXXXXXXX XXXX AND XXXX XXXX ) ARE NOT MINE AND IS CAUSING DIFFICULTY WITH MY ABIITY TO PURCHASE A HOME. I HAVE MADE NUMEROUS ATTEMPTS TO HAVE THIS CORRECTED AND AM HAVING NO LUCK THROUGH THE CREDIT CHANNELS. I HAVE PROVIDED ALL INFORMATION REQUESTED FROM THEM AND DONE ALL STEPS THEY REQUESTED FROM ME AS WELL AS PUT A FRAUD ALERT ON MY ACCOUNT TO BE NOTIFIED WHEN ANY CREDITOR ATTEMPTS TO RUN MY CREDIT OR OPEN A NEW ACCOUNT AND THAT HAS NOT HAPPENED. PLEASE HELP ME, I HAVE EXHAUSTED EVERY OPTION POSSIBLE. THIS IS RUINING MY LIFE!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: GA

Complaint narrative:
I was doing an investigation of my credit and what I found really scared me. It has been effecting my health ever since, because I do rely on my credit to assist in my life, and my rates are now through the roof because of the many errors in the reporting of my account and inquiries. This is having a very bad impact on my physical and mental health, because of this I am worried about getting food and even my medications.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Oliver Adjustment Co.
State: WI

Complaint narrative:
On XX/XX/2023 Oliver ADJUSTMENT CO is reporting that I owe XXXX. This companys are reporting that I owe them those balances. I need the audit trial of the balance. Also I need them to provide me with the agreement that grants them to collect this allege debt. Also provide with the master bill of sale

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
After being released from XXXX in XXXX I obtained a copy of my credit reported and noticed someone has been accessing accounts in my name. My personal information was compromised including my driver 's license and social security card during my incarceration due to my prior living arrangement. I contacted XXXX, XXXX, and Transunion via phone and mail in XX/XX/XXXX and XX/XX/XXXX in attempt to get this issue resolved. I have not received a response. These accounts and credit inquiries are impacting my credit and preventing me from getting a home. Furnishing this information to my account is in violation of 15 USC 1681B and 15 USC 1681 C-2, not only have I not given any permission or any written consent to furnish this information. Furthermore, no accounts or inquiries should be furnished to my credit profile due to identity theft. These accounts that I am referencing are, XXXX XXXX XXXX XXXX XXXX. I have no affiliation or knowledge of these accounts. I also noticed inquiries that I have not authorized such as XXXX XXXX XXXX, and XXXXXXXX XXXX XXXXXXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: EQUIFAX, INC.
State: SC

Complaint narrative:
After being released from XXXX  in XXXX I obtained a copy of my credit reported and noticed someone has been accessing accounts in my name. My personal information was compromised including my driver 's license and social security card during my incarceration due to my prior living arrangement. I contacted XXXX, Equifax, and XXXX via phone and mail in XX/XX/XXXX and XX/XX/XXXX in attempt to get this issue resolved. I have not received a response. These accounts and credit inquiries are impacting my credit and preventing me from getting a home. Furnishing this information to my account is in violation of 15 USC 1681B and 15 USC 1681 C-2, not only have I not given any permission or any written consent to furnish this information. Furthermore, no accounts or inquiries should be furnished to my credit profile due to identity theft. These accounts that I am referencing are, XXXX XXXX XXXX XXXX XXXX I have no affiliation or knowledge of these accounts. I also noticed inquiries that I have not authorized such as XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Fig Tech Inc.
State: TX

Complaint narrative:
First of all, the company provided absolutely NO way to communicate with a LIVE representative. The ONLY form of Communication was through TEXT. What kind of organization is this? They charged off my account for a loan of {$1000.00} ; but I NEVER received a 1099. By law ; they are obligated to mail one. They are indicating a specific balance of {$1800.00}, on my Consumer Credit Report ; again this is another violation. After many attempts to have this item removed, they refuse. I am reverting to you seeking for justice. I am requesting that they remove this item from my Consumer Credit report immediately, as well as provide compensation for the violations they have committed based of the Consumer / Privacy Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
As you may be aware, it is against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant to 15 U.S.Code 1691 ( c ) you assume civil liability pursuant to 15 usc 1691 ( k ) American Express has violated my federally protected consumer rights. 

XXXX Before proceeding with a formal lawsuit, I am open to a meaningful resolution to address the issues mentioned above. Since the letter I received is both proof and evidence that I have been discriminated against, they are criminally liable. American Express should resort to reasonable procedures to rectify this affair and compensate me for the use of my securities. Otherwise, this would be considered securities fraud since I have received no benefits. 

So it shall be unlawful for any creditor to discriminate against Any applicant with respect to any aspect of credit transaction for the damages that have been done to my mental distress and financial reputation. 

I expect your response within a reasonable time frame, ideally within 15 business days from the receipt of this notice. Failure to address these concerns or engage in good-faith negotiations may result in legal action to protect my rights and interests as a consumer. 

AMERICAN EXPRESS CREDIT ACCOUNT XXXX XXXX XXXX File Number of Depositor/Registrant : XXXX American Express Receivables XXXX XXXX XXXX XXXX XXXX as Depositor of the Trust By : /s/ XXXX XXXX Name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: NC

Complaint narrative:
The XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) failed to provide sufficient notice of balance on inactive credit account. This resulted in an unforeseen late report which could've been resolved. I paid the balance and closed the accounts immediately but was unfortunately only notified by a 3rd party credit score monitoring service. I have disputed this report with the bank as well as state and federal agencies. My concern remains that communication to customers from the NC XXXX prior to taking credit-impacting action is insufficient. I was only provided a single mailed letter. Being out of town at the time, this was not received for weeks. The credit union has an account messaging system that was not used to provide notice. My contact information including accurate email and phone number was not used to provide notice. Engagement to the customer was minimal to the point of negligence. Removal of " late '' status from reporting and my credit history is requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: NC

Complaint narrative:
The XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX failed to provide sufficient notice of balance on inactive credit account. This resulted in an unforeseen late report which could've been resolved. I paid the balance and closed the accounts immediately but was unfortunately only notified by a 3rd party credit score monitoring service. I have disputed this report with the bank as well as state and federal agencies. My concern remains that communication to customers from the XXXX XXXX prior to taking credit-impacting action is insufficient. I was only provided a single mailed letter. Being out of town at the time, this was not received for weeks. The XXXX XXXX has an account messaging system that was not used to provide notice. My contact information including accurate email and phone number was not used to provide notice. Engagement to the customer was minimal to the point of negligence. Removal of " late '' status from reporting and my credit history is requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Here is my past complinat which tjey are ignoring. They still will not release XXXX to me this has been since XX/XX/2023. 
XXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/2023 PRODUCT Checking or savings account ISSUE Problem caused by your funds being low We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT i sold my house the closing was XX/XX/2023. at the closing i got a truist check ( it was in a businsess name, and when i submitted it to my bank they put my account on lock and withheld my incoming pay. they made me wait 10 more days before they would tell me they they had denied the check, then closed my accounts so i took it to another bank and opened a business account and other accounts with advice from the bank teller on exactly how i should set everything up. i then got a call from Truist stating that everything had been explained to them and i could now take my check back to them and resubmit it. it was too late i had taken it somewhere else. Truist still put a hold on this money and will not release my funds to me, its been its been 41 days now and they will not tell the maker of the check anything or release my funds to me. At this point i need this fixed Now XXXX has put holds on all my accounts until this money is returned to them nad they may close all my accounts. Truist will NOT TELL ANYONE anything and they have ALL my money. Its not their money to keep. 

View full complaint

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: NY

Complaint narrative:
We requested proof or verification of debt. Company unable to provide such. 

Per 609 Law, credit error must 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 non-monetary relief