vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I requested Experian to do an investigation on the following accounts. I feel as if they did not properly investigate. I received a response back stating it had been updated back in XXXX of 2024. I was not made aware of the findings. They just listed it under reinvestigation Info dispute in XXXX XXXX I do not feel kind they did their due diligence when I requested an investigation. 

Experian Investigated the following accounts XXXX. XXXX charged XXXX XXXX XXXX reported invalid dates 7 times & stated reinvestigation XXXX dispute in XX/XX/year> XXXX. XXXX charged off $ XXXX reported invalid dates 7 times & stated reinvestigation XXXX dispute in XX/XX/year> XXXX. XXXX XXXX charged off $ XXXX invalid dates 7 times & stated reinvestigation XXXX dispute in XX/XX/year> XXXX. XXXX XXXX charged off $ XXXX invalid dates 7 times & stated reinvestigation Info dispute in XX/XX/year> XXXX. XXXX XXXX charged off but account has had a {$0.00} balance. 
XXXX. XXXX XXXX XXXX XXXX XXXX & no status report. Shows no payment history available. States account in dispute under XXXX XXXX Billing Act. With no other explanation. 
XXXX. XXXX Bank XXXX charged off $ XXXX reported invalid dates 7 times & stated reinvestigation XXXX dispute in XX/XX/year> XXXX. XXXX XXXX XXXX charged off $ XXXX reported ND on XXXX month & others are marked as XXXX reported invalid dates 7 times & stated reinvestigation Info dispute in XX/XX/year> They have marked several more of my accounts with this same statement reported invalid dates 7 times & stated reinvestigation Info dispute in XX/XX/year>.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Ive attached a sampling of how experian hub than that. 

Namely, my amount of accounts shows 36 open in score breakdown, but only 5 that are all in good standing ( mortgage, car, one secure card, and two small student loans ) but it is referenced by other creditors as the reason for denial of credit. 

Also, the breakdown of my " poor '' score. 
Also, multiple places that things are reported very differently, and how that is affecting the breakdown of what goes into a " poor '' score rating.

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Ive attached a sampling of how experian hub than that. 

Namely, my amount of accounts shows 36 open in score breakdown, but only 5 that are all in good standing ( mortgage, car, one secure card, and two small student loans ) but it is referenced by other creditors as the reason for denial of credit. 

Also, the breakdown of my " poor '' score. 
Also, multiple places that things are reported very differently, and how that is affecting the breakdown of what goes into a " poor '' score rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: MA

Complaint narrative:
I am permanently XXXX, receive XXXX, and am a XXXX XXXXXXXX XXXX participant. On XX/XX/XXXX, I graduated from XXXX University in XXXX XXXX ( XXXX ) with my XXXX XXXX XXXX. According to information from XXXX XXXX XXXX  I was enrolled either " half-time '' or " full-time '' in a XXXX XXXX XXXX program at XXXX from XXXX. 
On XX/XX/XXXX, I received a XXXX XXXX XXXX XXXX XXXX XXXX and a XXXX XXXX XXXX XXXX loan for full-time enrollment in my first professional degree ( a XXXX XXXX XXXXXXXX Degree ), with an effective date of XX/XX/XXXX. 
I have several student loans with MOHELAXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  totaling {$8300.00} XXXX XXXX XXXX XXXX XXXX, and I have submitted a total of 5 in-school deferment requests directly to MOHELAXXXX and all five have been denied. I submitted in-school deferment requests directly to the XXXX website on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. I filed complaints directly with MOHELA/MOFELP in XXXX and XXXX of XXXX and sent an online message to XXXXMOHELA on XX/XX/XXXX. I even changed my billing correspondence to paper delivery since I was not getting the online notifications of the denials- and included every single piece of information from my XXXX  billing statement on my XX/XX/XXXX ( 5th in-school deferment request ) in-school deferment application only to receive a denial on XX/XX/XXXX that alleges that I " failed to submit a complete application and/or the application was completely missing. In the last application for in-school deferment, I even included a printout of the enrollment verification from XXXX and the last billing statement I received from MOHELAXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I contacted XXXX twice regarding a late payment dispute with my XXXX 's credit card. This happened around XXXX or XX/XX/year>. My credit score dropped due to XXXX  missed payment that I'd simply forgotten to pay. If you look at my credit history, you'll see that I don't have any late payments. I take pride in paying my bills on time. It was just the XXXX payment to XXXX, which was past-due less than 30 days. It was actually late by two weeks. When I disputed the late charge, I was told by XXXX that they'd contacted XXXX and it was up to XXXX to have the late payment removed. They told me that it is up to the company to report a payment under 30 days and they have to follow the company 's reporting. I tried disputing the late payment at another date, but can't remember the date, and got the same response as the first time. My credit score, although has increased over the years, still takes a hit due to that one late payment on my credit history, which stays on the report for seven years. I didn't deserve this. Removing that late payment would increase my credit score, affording me the opportunity to receive better interest rates when financing purchases.

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 2025-01-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Enium Capital Group LLC
State: NC

Complaint narrative:
I am writing to formally express my dissatisfaction with the lack of transparency and misleading information provided during my purchase of solar panels and a new HVAC system through your company. 

When I signed the agreement, I was explicitly informed that the total cost of the system would be {$17000.00} with no payments required during the first year and 0 % APR FOR THE FIRST YEAR. However, my account recently went 30 days past due because I missed a {$15.00} payment, and when I contacted your office to inquire about my total balance, I was shocked to learn that it amounts to {$70000.00}! I was told there would be rebates to apply to my loan from my state to bring my payment down and there are none available. There are only tax credits!! 

This is not the price I agreed to when I signed the statement, and it is an egregious departure from the terms I was led to believe were in place. At no point was I made aware of such a drastic discrepancy, and had I known, I would never have proceeded with this agreement. 

I believe this situation is the result of either poor communication or intentional misrepresentation, both of which are unacceptable. I request an immediate explanation of how this figure was calculated and why the terms I was given at the time of signing are not being honored. Additionally, I demand a review of the contract and resolution of this issue to reflect the agreed-upon terms of {$17000.00} for the system, as this is what I was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: AZ

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX Balance : {$930.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: TX

Complaint narrative:
XXXX and Equifax continue to violate federal law not investigating the errors, security frauds, and identity done by XXXX XXXXXXXX auto finance as well as the inaccuracies being reported on the credit file. XXXX removed the reporting reference Report # XXXX, now transunion and equifax needs to remove this reporting within 3 days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX, MA XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Personal Information Dear Sir/Madam, I am writing to dispute inaccurate personal information that is being reported on my credit report by your agency. Upon reviewing my credit report, I have identified discrepancies in the personal information section that require immediate attention and correction. 
The inaccurate information is as follows : Address : XXXX Academy Terrace, XXXX MA XXXX XXXX XXXX XXXX, XXXX, MA XXXX Employer : XXXX XXXX and XXXX XXXX I hereby request that you investigate and correct the inaccuracies in my personal information as soon as possible. It is imperative that the information on my credit report is accurate and up-to-date to ensure fair and accurate assessment of my creditworthiness. 
Please provide written confirmation once the necessary corrections have been made to my personal information. Additionally, I request that you provide me with a copy of the updated credit report reflecting the corrected information. 
I appreciate your prompt attention to this matter and look forward to your timely response. Thank you for your cooperation in resolving this dispute. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: NJ

Complaint narrative:
Under 15 U.S Code 1681e ( b ) Accuracy of report whenever a Consumer Reporting Agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( a ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the Consumer Reporting Agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item information as appropriate based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 7 ), which entitles me to request the method of verification used to investigate. I previously disputed the accuracy of this/these account ( s ) on my credit report, and I recently received your response stating that the disputed items were " verified. '' However, I am requesting a detailed explanation of the following : The method and process you used to verify the accuracy of the disputed information.

The name, address, and contact information of the person or organization you contacted during your investigation.

All supporting documentation or evidence provided by the furnisher of the information to support the continued reporting of the item.

As required by law, please provide this information within 15 days of receiving this request. If you can not substantiate or verify the disputed information, I request that you immediately delete or correct the inaccurate information, as mandated by 15 U.S.C. 1681i ( a ) ( 5 ). Please remove the following items from my credit report immediately 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 2025-01-11 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: AL

Complaint narrative:
" I am a victim of identity theft and have a police report or FTC ID theft. '' In the comments section, paste the following : " I am a victim of a data breach and identity theft.

Kindly block and delete the account within 4 business days as required by FCRA 605B, 15 USC 1681c-2. Please find the attached FTC reports and other relevant documents.

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 2025-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MO

Complaint narrative:
A friends XXXX Account was hacked- XXXX XXXX XXXX. She posted that she was selling a bunch of items for her XXXX uncle who was going into a XXXX home. XXXX of the items was a hot tub. We texted on messenger and she solicited a XXXX deposit to hold the hot tub until we could meet next week to look at the hot tub and either take it or get a refund. Weve been friends for 20 years so I really didnt think much of it or thought it was in any way unusual. I couldnt get a XXXX deposit to go through on Zelle, only XXXX. Then she wouldnt give me the last XXXX digits of the phone number to send the rest through XXXX. I started to get suspicious because the Zelle person and the XXXX person were different people. Then she agreed to do an XXXX  request, but it came from a XXXX number, which is not a XXXX  or XXXX  area code, which is where XXXX and I both live. Thats when I got suspicious. So I texted another friend, XXXX, to see if shed send me my XXXX ( XXXX ) number, so I could verify that this XXXX number was, in fact, XXXX. Thats when I was told by XXXX that XXXX account was hacked and I should NOT send any money because it was a scam. I asked the scammer why these people were all different and was told they are my relatives. I called XXXX and confirmed she was hacked and that other people may have been defrauded of their money. Then I disputed the charge to my bank, which probably doesnt amount to much and Im guessing Ill never get my money back. I reported the profile on XXXX and reported the post. I think XXXX has finally taken the profile down.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK
State: GA

Complaint narrative:
This agency is violating my Consumer rights by using false misleading, misrepresentation, and deceptive means.I have made numerous attempts to fix these issues directly with them.High credit limit amount is not the same for reporting, credit limit is different amounts. They are violating my rights and I'm entitled to {$1000.00} for every violation, they either pay me or delete these accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I disputed a charge of {$270.00} by mailing my dispute, calling, and filling out their online dispute forms. However, after XXXX billing cycles, ( 60 days ) they have not completed their job. For any dispute in progress, all the banks give temporary credit and no interest charges on the amount, but Wells Fargo hasn't done that. 
I have called 3 times and spoken with a supervisor on XXXX occasion. I see a trend of ignorance lack of professionalism and perhaps favoritism to big corporations and ignoring customers.

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 2025-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Loan company used my name on a loan that I never did apply for, and used my father 's social security number to get the loan. Saying that me and my father is XXXX of the same. And we aren't the same people. My name is on the deed of the house, my father removed his name off in XX/XX/XXXX. He add me and my mother name on the deed. A loan was tooking out using my name on it in XX/XX/XXXX. I never signed it. And the loan company print a name on the signature. That's mortgage fraud, forgery, and identity theft. Due to all the lies and deception I lost my house. I'm homeless and don't have anywhere to get. They even had me listed dead on my social security number. I need very much justice and sue them for money on everything I lost. The loan was XXXX at first, but then it went up to XXXX. Wasn't aware of none of this. Talk to the company an They said that. The house belongs to your dad not you. It's time to end this for good.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have received multiple attempts to collect a debt that I do not know is mine. I have disputed with the credit agencies and the debt collector has failed to provide the original purchase agreement, given me a 1099 C form for taxes or verified this debt is mine. The debt is from XXXX and the debt collector is Portfolio Recovery Associates. They have called repeatedly and I have asked them to stop calling and to please provide everything via written communication. They have not shown me how they verified this debt and did not have my permission to get any of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: GA

Complaint narrative:
Experian, XXXX and XXXX are reporting my XXXX XXXX  XXXX delinquent. It is not I had XXXX payments deferred.

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 2025-01-11 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: MS

Complaint narrative:
I submitted a certified letter to Experian that was delivered on XX/XX/year>, requesting detailed information about how my dispute regarding accounts from XXXX and XXXX was investigated. I am attaching a copy of the letter for your reference. 

It has been 7 days since the certified letter was delivered, and I have yet to receive any response from Experian. Under the FCRA, specifically 15 U.S.C. 1681i ( a ), when a consumer requests information about how their dispute was investigated, the credit reporting agency is required to provide that information, including details of the investigation procedures. The lack of response from Experian suggests they may not have this information, raising serious concerns about the validity of these accounts, particularly since they appear to be inaccurate or unsubstantiated. 

As a consumer, I am entitled to have my rights protected, and I am extremely frustrated with Experian 's continuous failure to adhere to the law. This includes both failure to respond within the required timeframe and failure to provide the necessary information regarding how my dispute was handled. At this point, it is clear that Experian is not in compliance with the FCRA, and I ask your office to take action to resolve this matter. 

This is my second complaint regarding this matter and I am seeking an update on the status of my case. Experian must be held accountable for their violations of the law, and as a consumer, I request your immediate assistance in ensuring that my rights are upheld.

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