vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-08 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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need 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 2024-10-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 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: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-10-08 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: NC

Complaint narrative:
I'm reaching out for help regarding the inaccurate account listed on my credit report. This issue has caused harm to my reputation, and I rely on your assistance to address it. Due to your mismanagement of my credit information, my credibility has suffered. I urge you to remove these mistakes from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 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: MD

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2024-10-08 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-10-08 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:
I have requested the appropriate investigation of the accounts that do not correspond to me and the company has not solved this problem for me. I sent a certified letter and requested the elimination of the accounts mentioned below. 
XXXX XXXX XXXXXXXX does not have an account number. I need you to eliminate this account from my credit report. 
I do not have an account, I never had an account with XXXX. This account appears to me with a XXXX balance but this account does not correspond to me. I request the immediate elimination of these accounts. I demand the certification signed in its entirety by me that proves that I had an account with the banks mentioned below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts do not correspond to me and I demand their immediate elimination. The credit bureau companies must send a certification signed by these banks that I have an account with them. This does not exist. Because I have not had an account with them. I demand under the consumer protection law that you eliminate this from my credit 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 non-monetary relief
Consumer complaint received 2024-10-08 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: IL

Complaint narrative:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/year> - {$0.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: FL

Complaint narrative:
See the previous complaint filed in XXXX where I was sent to collections and reported by Sallie Mae to credit agencies. This was while I was supposed to be on administrative forbearance. While the collection issue was resolved and the negative reporting removed, Sallie Mae and XXXX closed my XXXX claim before the XXXX  original deadline to submit my paperwork. I submitted the required paperwork on XXXX but the claim was closed unknown to me until I once submitted the paperwork again on XXXX  and contacted Sallie Mae 3 times on XXXX XXXX closed this claim during the CPFB complaint on XXXX. That was a full month before the deadline and now Sallie Mae will not allow my paperwork for review and XXXX has closed the Claim at XXXX. I contacted Sallie Mae asking for a new claim to opened so I can submit this papwerork. This claim should never have been closed before the deadline.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need 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 2024-10-08 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: MO

Complaint narrative:
Dear Sir or Madam, I am writing to formally file a complaint against XXXX XXXX regarding the handling of my account, which ends in XXXX. Despite having paid off the account, XXXX XXXX has erroneously reported that I was delinquent on this account. This reporting is inaccurate, and it has negatively impacted my credit score and financial standing. 

Additionally, XXXX XXXX sent me a letter acknowledging that they made mistakes on my credit report due to a technical error. In the same letter, they stated that they would correct the issues on my credit report. However, no such corrections have been made to date, and the inaccurate information remains on my credit report. 

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that XXXX XXXX corrects the errors on my credit report and takes responsibility for the harm caused by their negligence. 

Thank you for your time and attention to this matter. I look forward to your prompt response. 

Sincerely,

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 2024-10-08 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: TN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-10-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have requested the appropriate investigation of the accounts that do not correspond to me and the company has not solved this problem for me. I sent a certified letter and requested the elimination of the accounts mentioned below. 
Bank XXXX XXXX does not have an account number. I need you to eliminate this account from my credit report. 
I do not have an account, I never had an account with XXXX. This account appears to me with a zero balance but this account does not correspond to me. I request the immediate elimination of these accounts. I demand the certification signed in its entirety by me that proves that I had an account with the banks mentioned below. 
Bank XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX These accounts do not correspond to me and I demand their immediate elimination. The credit bureau companies must send a certification signed by these banks that I have an account with them. This does not exist. Because I have not had an account with them. I demand under the consumer protection law that you eliminate this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
For several years I was getting the run around from XXXX and their underwriters office changing my repayment plan and its amount, not forwarding correspondence to me regarding my loan, not returning my emails and answering my questions and concerns as a loyal borrower and repayor of the student loans. From XXXX to XXXX XXXX refused to put me on an income driven repayment plan and increased my loan repayment amount without reason when they finally did put me on an XXXX XXXX XXXX. Close to {$20000.00} in payments were received by XXXX from myself during the time period they were my lender. XXXX has since removed all my account login capabilities to review statements and documents pertaining to my repayments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Dave Operating, LLC
State: GA

Complaint narrative:
I have been waiting on a response from this company about a dispute I submitted back in XXXX. I have requested updates and the only thing I have been told is what is documented in the uploaded document which means wait longer. Its gong on XXXX. ********* After reading many XXXX reviews, I saw a trend in which Dave will finalize the dispute but close your account so you can't access the funds due to you, and I want to make sure this does not happen to me. I have not been sent an new debit card as one would be sent when your account has been compromised, so I don't feel as if they are going to do right by me. ************ I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as well as the XXXX XXXX XXXX XXXX XXXX  and I sent the documentation over to them along with my identification card. *********** XXXX XXXX XXXX ( XXXX : XXXX ) is a leading XXXXXXXX XXXX and XXXXXXXX XXXX serving millions of everyday Americans. XXXX uses disruptive technologies to provide best-in-class banking services at a fraction of the price of incumbents. XXXX partners with XXXX XXXX XXXX XXXXXXXX, a XXXX  member. For more information about the company, visit : XXXX For investor information and updates, visit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-10-08 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One will not accept a transfer of reward points back into my account. On Saturday, XX/XX/XXXX, I transferred the points to pay for an advertised fare on XXXX XXXX. After transferring the points, I was unable to purchase the fare. I called XXXX XXXX, which informed me that the advertisement was a glitch and not actually available. They confirmed that, until I transferred the points, I would not have been able to see that it was a glitch. They would not honor the fare. But they would transfer the points back to the originating card. Over the next several days, XXXX XXXX attempted to transfer the points back to my Capital One Venture XXXX  card. On Tuesday, XX/XX/XXXX, XXXX XXXX stated that Capital One was reviewing the attempt to transfer the points and would not accept the points. I called Capital One on Thursday, XX/XX/XXXX, and was told that my request was under review. I was told that process could take 10-12 days. I called back on Monday, XX/XX/XXXX. I was told that the request had been escalated, but was still under review. I called back on Thursday, XX/XX/XXXX, Tuesday, XX/XX/XXXX, and Monday, XX/XX/XXXX, and was told the same thing. I transferred XXXX points, which is a very significant amount and valued at roughly {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
THIS FRAUDULENTS ACCOUNT CAUSES MY XXXX AND XXXX. I WANT TO RID THIS OFF TO MY CREDIT REPORT IMMEDIATELY!

Company response to consumer: Closed with explanation