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

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-10-10 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: Early Warning Services, LLC
State: MD

Complaint narrative:
Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER personally used this account for fraud : Bank : XXXX  XXXX XXXX ( Open Date : XX/XX/year> ) Account # : XXXX Routing # : XXXX Im a victim of identity theft and fraud. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX

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

Complaint narrative:
XX/XX/year> reached out to Nelnet via phone to check on status of refund for payments made under the XXXX XXXX XXXX XXXX. Rep stated my refund had been sent over to processing but they could not tell me how much the refund was for. 

XXXX Reached out to Student Aid Ombudsman with the DOE and did not receive a status either. 

XX/XX/year> - Send follow-up email to DOE Ombudsman checking on status of Nelnet 's refund claim. No communication or response. 

XXXX Called Nelnet again. Got rep named XXXX on the line. She confirmed that my refund HAD NOT processed and there was not information at all about a refund. Nor could she provide an approximate time line. She also could not provide information as to why I was lied to by the other representative back in XXXX. I emailed this to the DOE Ombudsman as well, still have no received communication or status update.

The payments have been lost over time due to the age of the loan. But my refund should be approximately in the range of {$4000.00} to {$6000.00}. It is unacceptable that a loan servicer straight lies to a customer to get them off the phone line and never follows through with any communication or information. This is causing myself and family a lot of financial and emotional hardship.

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

Complaint narrative:
Im honestly stunned by what I saw this morningincorrect accounts on my credit report! I have no idea why theyre there. I check my credit regularly, and everything was fine until now. I tried refreshing my browser thinking it was some kind of mistake, but no, the inaccurate information stayed put. Its really unsettling, and I urgently need you to go over the documents I provided to resolve this, so I dont have to keep stressing over it.

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 2024-10-10 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: MI

Complaint narrative:
I'm seeking your help to address the incorrect account reflected in my credit report. This concern has affected my personal reputation, and I need your cooperation in resolving it. The mishandling of my credit has devastated my reputation, and the inaccurate information must be removed immediately.

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

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-10-10 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: SC

Complaint narrative:
I am writing to express serious concerns about several issues I have encountered with the credit bureau, including false account entries, multiple unauthorized inquiries, inaccurate credit reporting, billing discrepancies, and accounts that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to express serious concerns about several issues I have encountered with the credit bureau, including false account entries, multiple unauthorized inquiries, inaccurate credit reporting, billing discrepancies, and accounts that are not mine.

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 2024-10-10 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: United PanAm Financial Corp.
State: CA

Complaint narrative:
Identity theft was made with my name I had no acknowledgment of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I noticed on XX/XX/year> that there were a few hard inquiries on my credit report that I dont recognize. The first one was from XXXX XXXX XXXX XXXX XXXX XXXX The second one was from XXXXXXXX XXXX XXXX XXXX XXXX XXXX The third one was from XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX The fourth one was from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I dont recognize any of these inquiries or details about them. Theyre all noted down on my hard inquiries and its made my credit score go down immensely. I hope that you can help get them removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I went to Wells Fargo Bank today and asked if I could have a copy of my escrow account ledger report from XXXX XXXXXXXX XXXX XXXX set this account up and received funds from the sale of my home. They also paid myself, ex-husband, liens, judgements, mortgage, commissions, and etc. from this account. The bank said I would need Authorization from XXXX XXXXXXXX or a guy by the name of XXXX to get a copy of what I asked for since they are the people that set the account up. Can you please help me to get a copy of these documents since it was my house, my proceeds. 
Thank 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 explanation
Consumer complaint received 2024-10-10 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: AK

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2024-10-10 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: IL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Inaccurate Late Payments under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX XXXX XXXX XXXX  Dear CFPB, I am writing to formally file a complaint against XXXX  XXXX XXXX XXXX for inaccurate information on my credit report related to late payments. These late payments have been erroneously reported and are inconsistent with the protections provided under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). CARES Act During the national emergency period due to COVID-19, I applied for and was approved for a
financial relief program provided by XXXX XXXX XXXX XXXX Under the CARES Act, my account was supposed to be reported in a favorable status as a payment deferral was granted. Despite complying with the terms of this program, my credit report shows late payments, which constitutes a violation of this law.

Fair Credit Reporting Act ( FCRA ) Under the FCRA, creditors and credit reporting agencies are required to report accurate information. In this case, the information on my credit report is inaccurate and is unfairly damaging my credit history. I request that the CFPB intervene to ensure that a proper investigation is conducted and that the incorrectly reported late payments are removed.

Truth in Lending Act ( TILA ) Under the Truth in Lending Act ( TILA ), creditors are required to provide clear and complete terms, as well as accurate communication regarding any loan modifications. I was not adequately informed by XXXX XXXX XXXX A about how the relief program would impact my credit history, which is a violation of TILA.

Request For these reasons, I request that the CFPB intervene to investigate this matter and ensure the removal of the inaccurately reported late payments from my credit report. I am attaching supporting documents that demonstrate I was part of a financial relief program and that these negative reports should have been avoided.

I trust the CFPB will take immediate action to resolve this issue in accordance with the applicable laws and in the interest of consumer protection.

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXXXXXX XXXX. {$3200.00}. XXXX XXXX  bal. {$0.00}.

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 2024-10-10 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: IL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

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

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Update : previous complaints filed. XXXX deducted XXXX XXXXXXXX after authorization was withdrawn within XXXX minutes of their refusal to honor the agreed upon interest rate. 

Bank of America allowed XXXX to remove XXXX XXXXXXXX from my checking account on an overdraft, sending my checking into a negative balance of $ XXXX less the cash I had in there. All of my transactions began to bounce, and I could not pay bills or even authenticate an outside bank account in order to move money or pay my BOA credit card with other funds as my funds were unlawfully denied access. 

Meanwhile, initiated transfer to get my money out of BOA, after notifying them of unlawful XXXX transaction, which they refused to " flag ''. Initiated money transfer XXXX  XX/XX/XXXX. XXXX did not go through. Authenticated through fraud unit which then stated the money would transfer, but it didn't. Did this twice, then the transfer terminated. Initiated another transfer. Called to see why transfer was not going. Told money was on hold with internal fraud department and phone number could not be provided. Went to bank to withdraw money at BOA XXXX XXXX XXXX XXXXXXXX XXXX. Told I could not have the money. Told the money would transfer, after BOA in XXXX had already told me the money would not transfer due to some " internal hold ''. 

Meanwhile, XXXX allegedly returned the XXXX XXXXXXXX. Still my money was not available to me. Called XXXX to get police to file police report. XXXX at BOA, the same woman who refused to file the dispute on Monday, XX/XX/XXXX, deliberately misdirected police, indicating the money was releasing, and denying the XXXX XXXXXXXX transaction, even printout out the savings account, when the overdraw was in the checking. 

Police officer claimed it was my own fault for engaging in internet banking, that I should go to the branch, and that this was just a timing issue. Further, wanted my passwords to my bank accounts from my phone, which I have never set up for obvious reasons. Claimed I didn't have any " paperwork '', given all of this was done electronically, and he could not proceed without verification, despite the fact that the printout provided by XXXX showed my money " gone '' and a zero balance, and the money was not at the transfer bank. Meanwhile, repeatedly told him BOA was not going to send the money per their fraud department, as they had already failed to complete the transfer twice before. 

I don't have my money.

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