vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-12 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: CA

Complaint narrative:
I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( XXXX ) ability of consumer to dispute information directly with the furnisher. What I am disputing is the charged/off account XXXX XXXX XXXX account # XXXX date opened XX/XX/XXXX last updated status of the account has been updated as Paid, Closed. {$990.00} Written off. XX/XX/XXXX of a credit limit of {$700.00} highest balance {$970.00} and therefore it has been turned into a charged off account. According 15 U.S. Code 1666b - Timing of payments a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. As I know the creditor did not notify me 21 days before a statement According to 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. I demand a deletion for XXXX XXXX XXXX on behalf of my credit report. account # 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 2024-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
INFORMATION IS INACCURATE ON Y CREDIT REPORT I WOULD LIKE FOR THIS TO BE UPDATED.

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 2024-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This account is not mine, and I did not authorize its use. Please remove this erroneous account from my records.

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 2024-03-12 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:
As of XX/XX/23 I only owed close to XXXX total on all my student loans. In XXXX I received a check from federal student aide for over XXXX dollars with no explanation. I called my loan servicer Nelnet and was told I got this as part of XXXX student loan forgiveness. When I went to pay student loan off in XXXX my student loan balance has gone up to XXXX plus with no explanation. I spent countless hours on the phone with my loan servicer and they have assured me that the XXXX dollars is mine and that the XXXX will adjust off the current balance. However Ive been responsible for payments at 7 % interest since XXXX. To date this has not happened. I currently owe over XXXX dollars which no one can explain how they came up with that #. 
Several months ago I put a complaint in at federal Student Aid : case # XXXX. After waiting months to hear back from them, I got a email saying they sent complaint to Nelnet who the complaint is about. 
Now after telling me that the XXXX was mine ( this is in all their notes of our calls ), they are saying that not all of the XXXX was not mine and I owe money back. I have asked for a breakdown of what happened and how much I owe..nothing. Meanwhile payments still due, paying for loan I already paid for. I am XXXX XXXX XXXX trying to retire, used this money to get closer to that goal. Its unbelievable that they can tell me something is mine 100 % now ask for it back with no clear explanation of how this happened or what I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
This account was just reported on my credit profile as collection and caused my score to drop by XXXX points. I have no knowledge of this account nor was I notified first of the debt before being place on credit profile. Please remove ASAP as is hurting my credit now. I have also reported this to the credit bureau, but haven't heard back. Please provide proof that this debt is owed by me and that you are the original creditor baring my signature. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Could you kindly review the documents? A few of the mentioned accounts are incorrect, causing me some discomfort.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
My loan was transferred from XXXX to NewRez in XXXX last year 2023, which is basically the same company. When I call their phone number, the automated service asks you to press a number to find which one. In XX/XX/year>. I paid XXXX my mortgage payment but I can't find where it was drafted from my account. Later in XXXX due to the NewRez swap, I realized I was late I made my XXXX and XXXX payment and they decided to give me a delinquent mark. The only reason the payment was late was due to their mess up! Furthermore, My credit is showing XXXX mortgage balances for the same loan under both NewRez and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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 inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries XXXX - XX/XX/year> XXXX  XXXX - 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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Could you kindly review the documents? A few of the mentioned accounts are incorrect, causing me some discomfort.

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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I recently received my award letter from the XXXX XXXX , forgiving all my student loans. However, despite this forgiveness, XXXX continues to report a negative closed account. Not only were the loans forgiven, but the monthly payments were also XXXX dollars and XXXX cents. This situation grossly violates my rights under civil violation codes, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Consumer Financial Protection Act ( CFPA ), Equal Credit Opportunity Act ( ECOA ), and Truth in Lending Act ( TILA ).

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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital one auto finance has reported false information to my credit report 3 to 4 times already. XXXX has dropped my credit tremendously, yet failed to provide an actual date for the false late payments, that capital one finance has sent out. My reports on all 3 credit bureaus are different. This is a clear violation of the FCRA 15 .U.S Code 1681e id like to have the false late payments as well as any points, taken from my credit report placed back on due to this violation of my right. I shall attach the proof as well. Capital one reports the end of each month. Lastly my balance is XXXX $ this account has been payed down XXXX less than a year and XXXX may gotten an XXXX point increase. Its absolutely ludicrous and unbelievable how unfair and inhumane the credit system is. Drop me XXXX points for missing a falsified XXXX $ payment. But gives XXXX points for XXXX in payments

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: SC

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 : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2024-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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 : XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX, etc

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 2024-03-12 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Under the regulations set forth in 15 USC 1666b, late payments linked to accounts identified as XXXX and XXXX must be removed from my credit report. Furthermore, pursuant to 15 USC 1692g and in accordance with the updated Fair Debt Reporting Act ( FDRA ) guidelines, the account referenced as XXXX is to be expunged from the report. Additionally, in accordance with XXXX5 USC 1681c-2, all inquiries are mandated to be removed from my credit report. Moreover, as per 15 USC 1681B and in adherence to section 604, all charge-offs must also be expunged from the 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 2024-03-12 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: LEXISNEXIS
State: CA

Complaint narrative:
Under the regulations set forth in 15 USC 1666b, late payments linked to accounts identified as XXXX and XXXX must be removed from my credit report. Furthermore, pursuant to 15 USC 1692g and in accordance with the updated Fair Debt Reporting Act ( FDRA ) guidelines, the account referenced as XXXX is to be expunged from the report. Additionally, in accordance with 15 USC 1681c-2, all inquiries are mandated to be removed from my credit report. Moreover, as per 15 USC 1681B and in adherence to section 604, all charge-offs must also be expunged from the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX and have no access to paypal or accou ts attached but can give other unique identification but they refuse as well as admission that fraud may have occurred

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: EQUIFAX, INC.
State: NE

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within XXXX  days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I have a dispute with a collection account on my credit report with XXXX XXXX XXXX my original contract was with XXXX CAPITAL ONE N A I didn't authorize them to allocate my personal information to a third-party also XXXX CAPITAL ONE N A  canceled my original account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: CA

Complaint narrative:
Trying too retrieve debt from me that was already closed in collections and it is not mine nor do I a company I have no contract with, please remove from my credit report ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
Received a warning of wage garnishment. I have not received any prior notice of this debt or the intent to garnish wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to file a complaint against Equifax concerning their failure to respond to my dispute regarding inaccuracies on my credit report. 
On XX/XX/year>, I mailed a dispute letter to Equifax, requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my report. Despite my efforts, I did not receive any response from Equifax regarding the investigation results. 
As per the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It is evident that Equifax has violated my consumer rights by failing to conduct a reasonable investigation upon receipt of my dispute, as required by the FCRA. 
Enclosed with this letter, please find a copy of the dispute letter that I sent to Equifax for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 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: Certegy Holdings, LLC
State: CA

Complaint narrative:
Under the regulations set forth in 15 USC 1666b, late payments linked to accounts identified as XXXX and XXXX must be removed from my credit report. Furthermore, pursuant to 15 USC 1692g and in accordance with the updated Fair Debt Reporting Act ( FDRA ) guidelines, the account referenced as XXXX is to be expunged from the report. Additionally, in accordance with 15 USC 1681c-2, all inquiries are mandated to be removed from my credit report. Moreover, as per 15 USC 1681B and in adherence to section 604, all charge offs must also be expunged from the 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 2024-03-12 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I ask XXXX and XXXX please review the address and phone number associated with Wellsfago credit card account is not mine. I dont recognize nor have have I ever lived at the address associated with the Wellsfago credit card account. This account was fraudulently opened without my knowledge. XXXX has done a thorough investigation and acknowledged that the Wellsfago credit account was fraudulently opened and XXXX has removed it from my credit record. Please help me and do the same as XXXX did. Its been frustrating for years of disputes with XXXX and XXXX and has gone nowhere. Because of this credit remark, I have been turned down by apartment rental agencies, I cant find a decent place to live. I have been denied by loan companies and car rental companies. I have filed multiple police reports with local police department and online police reports. I have sent both credit bureaus all my documents including all my police reports and consumer finance complaint reports. I dont know what else I could do to help my situation. Please understand and help me remove the Wellsfago credit card from my credit record. Thank you for your time and your understanding, have a wonderful day.

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