vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-30 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: IL

Complaint narrative:
I recently found a late payment on my credit report that I don't recognize. According to the Fair Credit Reporting Act ( FCRA ), payments are not supposed to be listed. I believe it's a mistake, and I request it be fixed.

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 2024-01-30 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: OH

Complaint narrative:
I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 

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 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 2024-01-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: CashRepublic Holdings, Inc.
State: TX

Complaint narrative:
XXXX violated the XXXX by selling add on products in relation to the loan. This includes debt cancellation for {$750.00}.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: RI

Complaint narrative:
I never had any business with that company. They tried to said I owe them {$4200.00}. I never live in that places. I tried to reasoning with this company but they still not prove to me that I was in fact the renter. The acct number they provided for me was from XX/XX/XXXX acct # XXXX. At that time I was living in mass.

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 2024-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing a complaint regarding inaccuracies in my credit report for the accounts : XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), and XXXX XXXX ( XXXX ). The first account is outdated and closed, requesting an update or removal of late dates. The second account has never been late, urging an investigation for accurate details, and the third account requires the prompt removal of the reported late date.

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 2024-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
My account is frozen for no apparent reason. Yet I called cash app they say there was fraudulent activity on my account. They froze my account without my knowledge or alert to check if indeed it was me. They hang up on me and have not explained anything. I deposited a few checks that were in my name don't know if they didn't accept the type of check I deposited but I don't see how that is fraudulent if it's mine. Their actions are fraudulent I feel like the are disregarding my worries

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: IA

Complaint narrative:
On XX/XX/2024 I was charged by XXXX XXXX for a purchase I didnt make. On XX/XX/2024 I filed a dispute for the charge. On XX/XX/2024 I recieved a confirmation of the dispute and was notified that my card would be shut off until the dispute was finalized. On XX/XX/2024 and XX/XX/2024 I called inquiring about the status of my dispute to which I was notified that there was no update. On XX/XX/2024 I emailed inquiring and update to which I got no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: IN

Complaint narrative:
I requested inaccuracies regarding my name, address and employer be verified and corrected with proof of verification and correction. 
I disputed multiple inaccuracies on my credit report, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). After a thorough review, I have identified the following errors : Incorrect Name on Report : [ XXXX XXXX, XXXX XXXX XXXX, these should be removed Correct Name : [ XXXX XXXX ] Incorrect Address on Report : [ All Addresses Listed besides correct address below should be removed from my credit report ] Correct Address : [ XXXX XXXX XXXX XXXX XXXX, IN XXXX ] Incorrect Employment Information on Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, these should be removed Correct Employment Information : [ XXXX XXXX XXXXXXXX ] Incorrect Phone Numbers : REMOVE ALL PHONE NUMBERS FROM MY CREDIT REPORT They replied saying the above inaccuracies were completed and removed but they are not, they are still on my reports. 

These inaccuracies may be causing significant harm to my creditworthiness and financial standing, and I request your immediate attention to rectify these issues. 
Enclosed with this letter, please find copies of documents supporting the correct information, such as my driver 's license, utility bills, and employment verification documents. 
I request that you conduct a thorough investigation into these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ), Sections 611 and 613. The FCRA mandates that consumer reporting agencies ensure the maximum possible accuracy of the information contained in their reports and allows consumers the right to dispute inaccuracies. 
I am also aware that, under the FCRA, you are required to complete the investigation within 15 days and provide me with a written summary of the results. I kindly ask for your cooperation in adhering to these legal obligations. 
Please remove the inaccuracies in my credit report promptly and provide written confirmation of the corrections made, including an updated credit report, as required by law. 
Thank you for your immediate attention to this matter. I appreciate your prompt resolution of these discrepancies to ensure the accuracy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 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: GA

Complaint narrative:
I reported fraudulent activity on my credit report to XXXX Regarding them reporting a fraudulent account that was opened in my name along with a police report showing proof and its still on my credit report negatively affecting my credit and inability to obtain credit. Which is in violation of my rights from XXXX under the FCRA law.

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 2024-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have previously submitted documentation and successfully had these accounts removed from other credit bureaus. However, they continue to appear on your report, causing ongoing damage to my creditworthiness. I want these fraudulent accounts to be remove as what other bureaus have done. I am confused how these accounts keeps on persisting on your report when other bureaus already fixed the issue. Account Information : XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$21000.00} and XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$17000.00}. It is perplexing and unacceptable that your bureau persists in reporting these accounts, which not only violates my rights under the Fair Credit Reporting Act ( FCRA ) but also hinders my ability to secure credit and financial stability.

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 2024-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I call wells fargo XX/XX/2024 about my account that they have double charged me and in the middle of me asking a question the customer service rep hung on me. I just don't understand i been with them so long and now I'm just now having major problems with the company. It should not 10 business days for me to get my money because it took like two seconds for my money to be taken out my account. Also they need to the fees are ridiculous i will be changing banks this time.

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 2024-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to express my dissatisfaction regarding fraudulent accounts on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account : XXXX  ) , ( Account : XXXX  ) and XXXX XXXX ( Account : XXXX  ) were opened without my consent, causing financial and emotional distress.

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 2024-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Identitytheft.gov confirmed identity theft, and the bank acknowledged it, demanding immediate removal of fraudulent accounts. Other bureaus acted swiftly ; the bank agreed to fix errors. Demand immediate deletion of these accounts from my credit report. 
XXXX XXXXXXXX. 
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 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please eliminate this account from my records as it's not associated with me, and I'm highly disturbed to see it reflected on my credit report. I express my disappointment with the company for subjecting me to this situation and urgently insist on the removal of this entry from my credit history. This is unequivocally not my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I made over {$44000.00} in voluntary payments to Nelnet in XXXX during the payment pause ( see attached ). Since then, my loan servicer changed to XXXX. I requested a full refund from XXXX in XX/XX/XXXX and so far have only received {$110.00} from Dept of Treasury.

After several calls and emails to both Nelnet and XXXX regarding my refund, I finally submitted a complaint to CFPB, focusing first on XXXX. Per the " company response '' section on CFPB, I received the following message from XXXX on XX/XX/XXXX : " Upon review of the National Student Loan Data System ( NSLDS ), there are several loans that were Paid in Full as of XX/XX/XXXX. These loans were serviced by Nelnet and were Paid in Full prior to your transfer to XXXX. XXXX would not be able to issue a refund on loans that were Paid in Full prior to transfer as we do not have the payment history or loan records for these loans. Please note that the deadline to request a refund of the payments made during the Covid-19 administrative forbearance period was XX/XX/XXXX. This information is verified at https : //studentaid.gov/XXXX. If you contacted Nelnet to request a refund of the payments made during the Covid-19 administrative forbearance period before the deadline, please reach out to Nelnet regarding the status of your refund. '' I had already spoken to a supervisor at Nelnet ( XXXX on XX/XX/XXXX ) before submitting the complaint to CFPB. During the call on XX/XX/XXXX he told me XXXX has the ability to request refunds from the Dept of Treasury for any voluntary payment made in XXXX, even if the loan was paid through Nelnet. He also mentioned during the call on XX/XX/XXXX the cutoff to request a refund from Nelnet was XX/XX/XXXX, and they have no record of me ever making a request. XXXX also notified me the messages I send through the " contact us '' section on the Nelnet website don't always attach to my account, even if I am logged in, therefore they deny any record of me ever requesting a refund. Nelnet does not have a " sent '' folder within my online account, so I am unable to provide screenshots of the emails. I did ask XXXX how they could be sure I never made a request if my emails are not archived by Nelnet or saved in a " sent '' folder, and he did not have an answer. 

I realize the deadline to request a refund has passed, but my original request was initiated in XXXX, as soon as I learned about the refund option. The back and forth between these servicers, the repeated instruction to allow XXXX weeks at a time for " further review, '' and the misinformation I received has delayed the entire process for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: TX

Complaint narrative:
My information was sold and brought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit report effective immediately. I am attaching proof that XXXX has admitted that I was in fact, a victim of this data breach and Trans Union has done nothing. Please help me delete these illegal accounts from my credit reports. 

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 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 I WAS A Victim of the XXXX data breach. I want these items Deleted 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 2024-01-30 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: FL

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 2024-01-30 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: FL

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Last XX/XX/08 my brother send me {$20.00}, via XXXX from his Bank of American cheeking account but I never received. 
Since then weve been complain with XXXX and Bank of American but no one wants to take the responsibility. Now, where is my money? 
XXXX is a company that was credited by 6 bank 's, including Bank of America. So, they own XXXX but when we go to the Bank they tell us to call XXXX and vice verse.Now what do I do? Please help me get my money back. Is not a lot but is my. 
Kindly - 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 2024-01-30 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: GA

Complaint narrative:
Company failed to exercise their grave responsibilities with fairness, impartiality, and a respect for my right to privacy. Company failed to adopt reasonable procedures for meeting the needs of commerce for my credit and other information in a manner which is fair and equitable to me, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the law. 

For more detailed complaint, please see attached evidence and documentation of failure to abide by the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 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: TX

Complaint narrative:
I request the deletion of this account from my records since it doesn't belong to me. I'm upset to see it on my credit report and am disappointed in the company for causing me this inconvenience. I urge the business to promptly remove this entry from my credit history. It's completely unrelated to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: FL

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-30 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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief