vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My roommate did not pay his half of the rent. I paid what I owed. XXXX XXXX XXXX said that I would not have to worry about this and they would put the collection on XXXX XXXXXXXX XXXX account. I have attached evidence.

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 2023-05-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XXXXXXXX XXXX XXXX I went to Truist Bank after my parents passed to see what my parents had in the way of CDs or IRAs. I spoke with a lady at the bank and was told my dad had three CDs in the amounts of {$56000.00}, {$58000.00} and almost {$100000.00}. She even looked at me and asked what my father did. I told her he was an engineer. When my sister opened up the estate account, she said there was only {$79000.00}. Over {$20000.00} of this amount was from their checking account. I asked my sister about the difference, she told me they said thats all they had. Since she embezzled money from the company my father worked for years ago, I didnt believe her. She wouldnt share anything and would hang up on me when I asked about statements. She said she didnt have to tell me anything. It wasnt until I wrote her lawyer a letter about her behavior, she would create an XXXX spreadsheet that made no sense. I decided to get a lawyer. So far, I have spent {$12000.00} out of my own pocket. I had poor legal representation and now have to pay her court costs. My brother and sister have disowned me because of what Truist told me. I now have no family because of Truist. Truist has caused me to lose the only family I had left, spent thousands of dollars trying to get to the bottom of it and severe anguish and XXXX. This is so wrong they cant get away with this. 
I am a widow of a Chief Warrant XXXX XXXX that was in the United States 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 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, 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 ask you kindly to delete this account since it is not mine since I am quite irate that they are showing up on my credit report. By letting me go through this, they really let me down, and I feel awful about it. I want the company to remove this as quickly as they can off my credit record. Definitely not mine!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

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 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To XXXX XXXX Transunion : I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data field reporting. The information has not been proven to be true, correct, or verified. I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely. You should not keep or report anything that you know is not in compliance with the law or regulations. I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards. For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose. I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report. I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making. The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately.

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 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To Experian XXXX XXXX : I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data field reporting. The information has not been proven to be true, correct, or verified. I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely. You should not keep or report anything that you know is not in compliance with the law or regulations. I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards. For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose. I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report. I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making. The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately.

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 2023-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
Someone opened up an American Express credit card. XXXX were 2023 and it was closed XX/XX/2023. This is not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, 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 ask you kindly to delete this account since it is not mine since I am quite irate that they are showing up on my credit report. By letting me go through this, they really let me down, and I feel awful about it. I want the company to remove this as quickly as they can off my credit record. Definitely 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 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VT

Complaint narrative:
Toyota Financial Services DENIED my request to change my payment due date to the XXXX of the month for more than a year ago. Thus, access my bank account 2 times per month on the XXXX of each month and then REPORTING to the credit bureaus INCORRECT INFORMATION about my payments. I should be compensated for this inconvenience because the INCORRECT INFORMATION has affected my credit score as well. 
I also would like to QUESTION the APR because I was given an APR of 16 %. While my white counterpart who 1 a man and the second a woman with the same credit score got a LOWER APR.

I will like to get REASON ( S ) why my APR was so high when I have a SSD check yearly statement as proof of my INCOME, lived at the same RENTAL since 2014, paid all my utilities gas, water, heat, cable and electric bills as well. One the the white person who received a LOWER APR WAS HOMELESS AND THE OTHER HAD A CREDIT SCORE OF 5.0 I believe that I received a HIGHER CREDIT SCORE as per a NORM for black and Hispanic people who are doing business with Toyota Financial Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: VA

Complaint narrative:
I am receiving 10 to 15 calls a day from Conns XXXX XXXX calling from XXXX ( XXXX ) XXXX They call every single hour while I am trying to work. Even if it goes to voicemail they call again and again. Phone calls are documented and conversations are recorded. 

Customer service representatives refuse to answer questions about their limitations regarding the number of calls their agents or the automated system is allowed to place. They claim and threaten to call as many times in a day/week as they want until you answer and tell them when you will pay. 

According to the FDCPA, a debt collector can not call a debtor more than once per day for each debt. This means that if you only have one outstanding debt, then your debt collector is only allowed to call you one time per day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: GA

Complaint narrative:
I qualified for XXXX XXXX XXXX XXXX almost 2 years ago, and my loans have still not been forgiven. The threshold for forgiveness is XXXX payments, and Mohela currently has my account listed as having made XXXX qualifying payments towards loan forgiveness. I contacted Mohela ( the loan servicer ) today, and no one could give me any concrete information on my account status. 

I have completed all of the necessary forms and continue to update my employment via the XXXX employment certification forms, but no one can tell me when or if my loans will be forgiven. 

My account is now 22 months past the date that I should have been forgiven, and during that time my loans continue to sit on my credit report and limit my ability to receive financing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent.

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 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is the second complaint Ive made regarding TransUnion and the XXXX XXXX XXXX ( XXXX ) account # XXXX ( account ). Please reference complaint # XXXX to see the first complaint. 

TransUnion is furnishing a fraudulent account to my consumer report. I have contacted this company on several occasions via phone, certified mail and their website. Like stated above, I have also filed a CFPB complaint against them. See response below. 

After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. TransUnion has processed your request and forwarded a copy of the Investigation Results through US mail. You should expect to receive those results in approximately 7 business days. 

In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX XXXX-VERIFIED AS REPORTED This response came on XX/XX/2023. It is now XX/XX/2023, XXXX business days later. I have still not received anything. No method of verification, sources theyve interviewed, documents reviewed, nothing. 

The original contract I had with the original creditor was altered without my permission or knowledge. This makes the account fraudulent. Therefore, TransUnion does not have anything that would verify this account. This company is engaging in unfair and unlawful business practices and needs to be reprimanded.

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 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, 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:
15 U.S.C. 1681 section 602 A. states I have the privacy!!!!!! 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency connot furnish a account without my written instruction. consumer reporting agency is also supposed to do a proper investigation to see if the debt is mines by interviewing my jobs and neighbor which they failed to do. Putting in metro 2 software to the other agency to come back verified is not the proper way in law to do.

The accounts and the addresses are not mines i never lived at XXXX XXXX XXXX XXXX ga XXXX and my name is not XXXX XXXX XXXX XXXX or XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
15 U.S.C. 1681 section 602 A. states I have the privacy!!!!!! 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency connot furnish a account without my written instruction. consumer reporting agency is also supposed to do a proper investigation to see if the debt is mines by interviewing my jobs and neighbor which they failed to do. Putting in metro 2 software to the other agency to come back verified is not the proper way in law to do. 
The accounts and the addresses are not mines i never lived at XXXX XXXX XXXX XXXX ga XXXX and my name is not XXXX XXXX XXXX XXXX or 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 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I hope you can help I reached out to the bureaus on XX/XX/2023 and haven't gotten a response. I noticed so incorrect info on my report I'm getting upset! Also I dont know who these creditor are! I will list the accounts below! 

XXXX. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX  XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Identity Theft XXXX  Account Number : XXXX Please investigate and delete from my credit report XXXX. Identity Theft MONTHLY PAYMENT Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. Identity Theft MONTHLY PAYMENT Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Identity Theft MONTHLY PAYMENT Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Identity Theft MONTHLY PAYMENT Account Number : XXXX Please investigate and delete from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
I hope you can help I reached out to the bureaus on XX/XX/2023 and haven't gotten a response. I noticed so incorrect info on my report I'm getting upset! Also I dont know who these creditor are! I will list the accounts below! 

1. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

2. Validate Account XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

5. Identity Theft XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

7. Identity Theft XXXX  Account Number : XXXX Please investigate and delete from my credit report XXXX. Identity Theft MONTHLY PAYMENT Account Number : XXXX Please investigate and delete from my credit report. 
7. Identity Theft XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

8. Identity Theft XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

9. Identity Theft XXXX XXXX Account Number : XXXX Please investigate and delete 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 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to removed /block any accounts listed o. IDtheft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX XXXX Date XXXX : XX/XX/XXXX Balance Owed : {$42.00} and XXXX  XXXX ; INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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