vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-09 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: NY

Complaint narrative:
I have a problem with not changing or updating my documents with Experian and XXXX!!! 
Not showing up on the internet screen when companies do an credit report!! 
They see derogatory information when I'm receiving 10 documents being deleted, it's been a long 2 yrs and Experian and XXXX still hasn't updated, the internet correct updates that deleted all the negative information!! 
XX/XX/XXXX  XXXX XXXX ( XXXX SSN )

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 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
Credit inquiry without consent. I received an alert from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 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: NY

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
WELLS FARGO SAID I HAVE BEEN A MEMBER SINCE XXXX. NEVER OPENED AN ACCOUNT WITH WELLS FARGO IN XXXX. HAVE A CURRENT ACCOUNT WHICH WAS OPENED IN XXXX AND WHEN I RECIEVED MY DEBIT CARD ON THAT CARD IT SAYS MEMBER SINCE 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 2023-12-09 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: NY

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ONLINE Information Services, Inc.
State: KY

Complaint narrative:
Received notification that a new account was added to my credit report from monitoring service via my credit union. Credit Report was from XXXX. Report contained the following information : account balance {$870.00} account number XXXX address XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX NC XXXX creditor name online information service industry type other collection agencies I have no knowledge of this company or any outstanding balance connected to the account. From the information I received wasn't sure if I should start with the complaint or contact XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
Dear Sir and Madam, The reason I am sending this complain regarding a company name : XXXX and XXXX XXXX. 

The first time I ever heard from this company is that I received a debt letter over the mail from them claiming I owe them : {$4600.00} around XX/XX/23. 

I have No Business Relationship with XXXX and XXXX ( lack of standing ) or sign any contract agreement with them. 

They did not provide me proof of the debt including validation notice from the XXXX days of the first contact. 

My understanding is that If the collection agency failed to validate the debt, it is not allowed to continue collecting the debt. 

Please see XXXX XXXX XXXX XXXXXXXX After I reply back to them ( XX/XX/23 ) in the 30 days respond under the law term with a Verification of Debt Request, they provide with some documents with lots of missing/lack information. Here is some of the missing info : 1 ) Failure to respond by not providing all document requested from the Verification of Debt request sent to them via priority mail.

2 ) Did not provide proof of license in the state of NYS to collect Debt 3 ) Did not provide or Tell me when the creditor claims this debt became due and when it became delinquent.

4 ) Identify the date of the last payment made on this account with the original creditor.

5 ) Chain of Titles/Chain of Assignments 6 ) The name of the creditor to whom the debt is currently owed ; the account number used by that creditor, and the amount of the debt.

7 ) The amount and age of the debt, including a copy of the last billing statement with date sent to me by the original creditor.

8 ) Provide me with proof of Good Standing under the laws of New York and the Secretary of State along with information regarding your Registered Agent for Service of Process. 

Please see also the enclosed copies of letter from them including the response and the verification debt request sent to them. 

Thank you for your consideration in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 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: OH

Complaint narrative:
Transunion is reporting an account that keeps appearing on my credit report that account is XXXXXXXX XXXX  XXXX XXXX XXXX XXXX in the amount of {$120.00} dollars, this account has appeared on my credit report, three different times with at least three different open dates, This Collection is reappearing and never go away.

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 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
To whom it may concern, I hope this message finds you well. I am writing to bring to your attention a matter of deep concern regarding our account with Exeter Finance, specifically concerning the late fees adversely affecting our credit score. 

In numerous conversations with Exeter representatives, we have attempted to address what appears to be an issue stemming from an unexplained payment reversal in XX/XX/2023. Unfortunately, we were not promptly notified of this occurrence and only became aware when seeking clarification from Exeter. Despite our proactive attempts to resolve the matter, we have been advised to " just pay it, and the late fees will fall off. '' Regrettably, this advice has not proven effective, and the lingering late fees persist, significantly impacting our credit score. 

As of XX/XX/2023, our account records clearly indicate that we are not behind on any payments. However, Exeter continues to report that we are late on payments, which is inaccurate and damaging to our creditworthiness. 

We urgently request your immediate attention to help us rectify this matter. It is imperative for us to have these late fees corrected promptly to prevent further detriment to our credit score. We kindly seek your assistance in ensuring our account is accurately reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 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: IN

Complaint narrative:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) require the XXXX credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX, IN XXXX XXXX  XXXX XXXX Balance Owed : {$480.00} XXXX XXXX Balance Owed : {$200.00} XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$560.00} XXXX XXXX  XXXX Balance Owed : {$9300.00} XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$10000.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$7400.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-12-09 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: IN

Complaint narrative:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 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: HI

Complaint narrative:
On XX/XX/XXXX @ XXXX Hawaii XXXX. I called TransUnion at XXXX and spoke with XXXX from XXXX XXXX XXXX. I asked to XXXX ) speak to a supervisor and she states " I can't transfer a call from this department ''. She instructed me to hangup and a supervisor will return my call. XXXX insisted that she can help me. She suggested that I 2 ) use an old account " XXXX '' XXXX ) an create a " New Password '' I informed her that I have already created a new account! She XXXX ) give me a temporary password " '' XXXX '' via email and XXXX ) temporary code " XXXX '' via email. XXXX ) She said to use the New Password and that she will give me what I need to put in " XXXX '' I said " This is unethical. '' Why do you need access to my account! I hung up and c/b to speak to another supervisor " XXXX '' XXXX Who deleted the old account, created a new account. I informed her that I was XXXX ) blocked from using TransUnion. XXXX had me use another brower XXXX ). I was able to purchase a credit score 9 ) Informed XXXX that I will file a complaint XXXX ) XXXX says that she will followup with the XXXX XXXX opened on XX/XX/XXXX and Hawaii XXXX XXXX XXXX XX/XX/XXXX, both account still not updated, XXXX ) haven't heard from XXXX and I haven't seen any changes. XXXX ) STILL trying to update my information. XXXX ) Notified XXXX XXXX XXXX on XX/XX/XXXX spoke with XXXX via phone, by law the banks has 15 days to report a new account and XXXX XXXX spoke with XXXX via phone XX/XX/XXXX and TransUnion Via phone XX/XX/XXXX @ XXXX spoke with XXXX XXXX XXXX will XXXX ) send me a letter to confirm current address ( see attached ) letter rcvd and confirmed. XXXX ) unable to update my information on TransUnion website bc I'm blocked.

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 2023-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Under the pretense of offering watches, jewelry, and other items, this seller has failed to fulfill orders, leaving me in a predicament after I made a payment of {$220.00} for a watch. Despite more than a week passing since the transaction, the seller has been unable to fulfill the order. Instead of refunding the purchase, they resorted to deception by sending a false product in the maila mere piece of paper. This constitutes a blatant attempt to avoid returning the funds for the unfulfilled order, amounting to clear fraudulent behavior. PayPal is has made no attempts to get my funds back. I have filed complaints and sent pictures, etc. and they continue to drag it out rather than punishing this behavior as they should.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 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: IN

Complaint narrative:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 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: FL

Complaint narrative:
I have XXXX public student loans that transferred from XXXX to XXXX in XX/XX/XXXX. The total amount of these loans is {$180000.00}. I reviewed my credit report after being rejected from refinancing private loans I hold and discovered that the XXXX loans that were paid out and transferred to XXXX were listed as open. Due to this error, my credit report incorrectly shows I have an additional {$180000.00} in debt. 

I contacted both XXXX and Experian to try to remedy the issue. First, I contacted XXXX through their online portal but was told that there was no issue with their reporting. I had not included my credit report because their online reporting function does not provide the option. To remedy this I sent, through certified mail, a copy of my credit report which showed the XXXX loans as open, the payout statement from XXXX, and a statement from XXXX stating my loans would be transferred to XXXX. This file was sent on XX/XX/XXXX and I received the confirmation of receipt by XXXX on XX/XX/XXXX. I have not received a response from XXXX on this issue as of XX/XX/XXXX. My credit report currently lists these XXXX loans as open and the report shows the last update from XXXX is XX/XX/XXXX. 

I sent Experian the same information as well. I received a response that there are no issues with the active status and as such my credit report still lists the XXXX loans as active and shows that I have an additional {$180000.00} in debt that is just my federal student loans duplicated. 

I believe that this inaccurate reporting may have impacted my ability to refinance private student loans. 

I have attached the information sent to both companies.

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 2023-12-09 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: MI

Complaint narrative:
On XX/XX/2023 I went to dealership to look into purchasing a vehicle. I noticed my wallet was missing. Later that day I discovered that the wallet was not inside my home either. I went immediately to check my credit and noticed there were all kinds of fraudulent activity going on my report. I immediately went to the police to report the activity I notice. I then began to send the credit bureaus the police reports and identify theft reports to get these things removed, and they never responded to me at all. These fraudulent activities are holding me back from purchasing a new home and vehicle.

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 2023-12-09 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: MI

Complaint narrative:
On XX/XX/2023 I went to dealership to look into purchasing a vehicle. I noticed my wallet was missing. Later that day I discovered that the wallet was not inside my home either. I went immediately to check my credit and noticed there were all kinds of fraudulent activity going on my report. I immediately went to the police to report the activity I notice. I then began to send the credit bureaus the police reports and identify theft reports to get these things removed, and they never responded to me at all. These fraudulent activities are holding me back from purchasing a new home and vehicle.

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 2023-12-09 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: FL

Complaint narrative:
A payoff payment was made to my Best Buy Account as of XX/XX/2023. Best Buy is claiming this payment was returned. I have supplied Checking Statements from XXXX - XX/XX/2023, which shows the payment was withdrawn from my account and never returned. Best Buy is stating the payment was returned in XXXX, yet my checking Statement for XXXX does not reflect this. I have requested documentation from Best Buy that would support that the payment was somehow returned or not made, yet they have not been able to furnish any documentation. They have harassed me, calling me every day, even on weekends to make a payment that I have already made. Which I understand they are not permitted to do. Yet they do not want to take the time to further investigate the mistake on their end. I do not owe the balance shown on the account as it has been paid since XXXX. I need my account updated to reflect a zero balance and my credit report updated accordingly. As they have sent inaccurate and misleading information to the credit bureau

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 2023-12-09 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: FL

Complaint narrative:
I sent my dispute XX/XX/23. Experian updated my Experian portal saying they can not process my dispute. I sent in all of my verification documents ( drivers license, social, and utility bill ) They are refusing to give me my results while continuing to report negatively on my credit report. This is a problem and needs to be fixed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
I never received any documentation pertaing to the debt, the debt just popped up on my credit report. 
I never received documents pertaing to a judgment order, thru the courts. 
A thirty day notice of intent to vacate was given to property manger and signed by myself and proper manger on XX/XX/2022. 
The unit was vacated and all keys was turned over to the property manger XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: MI

Complaint narrative:
XXXX approved loans over XXXX XXXX XXXX be forgiven and my loans fall within those guidelines, but I have not received any forgiveness.

Company response to consumer: Closed with explanation