vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-06 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: GA

Complaint narrative:
I am writing to express my dissatisfaction and frustration regarding the multiple unsuccessful attempts to correct the late opening of my accounts and remove the charge off. My accounts are expected to be opened, but despite my persistent efforts to rectify the situation, it remains unresolved. 

Initial attempt to open the accounts are made, but I encountered an issue with the process. 

Contacted customer service and was informed that the issue would be resolved promptly. 
Followed up on the progress, only to find that the problem persisted. Customer service assured me that it was being addressed. 

Another attempt to open the account was made, yet the issue persisted. 

Numerous calls were made to customer service, each time receiving assurances that the matter was being escalated and would be resolved urgently. 

Despite these efforts, the late opening of my account has caused inconvenience and frustration. I have patiently cooperated with your representatives, but the lack of resolution is unacceptable. 

I understand that errors can occur, but the repeated assurances without tangible results are disappointing. As a customer, I expect a higher level of service and a timely resolution to such matters. 

I kindly request the following actions : Immediate investigation into the root cause of the issue.

Transparent communication regarding the steps being taken to resolve the problem.

Assurance that this issue will not affect my account 's functionality or standing once it is resolved. 
Compensation for the inconvenience caused during this period. 
I appreciate your prompt attention to this matter and expect a resolution within the exact timeframe from the date of this letter. Failure to address this matter promptly will compel me to escalate my complaint through appropriate regulatory channels : XXXX XXXX XXXX Balance : {$1200.00} - My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. 

XXXXXXXX XXXX XXXX XXXX Balance : {$37000.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 
XXXX XXXX XXXXXXXX Balance : {$16000.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 
XXXX XXXX XXXX : {$7900.00} - This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE 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 2024-02-06 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: GA

Complaint narrative:
I am writing to express my dissatisfaction and frustration regarding the multiple unsuccessful attempts to correct the late opening of my accounts and remove the charge off. My accounts are expected to be opened, but despite my persistent efforts to rectify the situation, it remains unresolved. 

Initial attempt to open the accounts are made, but I encountered an issue with the process. 

Contacted customer service and was informed that the issue would be resolved promptly. 
Followed up on the progress, only to find that the problem persisted. Customer service assured me that it was being addressed. 

Another attempt to open the account was made, yet the issue persisted. 

Numerous calls were made to customer service, each time receiving assurances that the matter was being escalated and would be resolved urgently. 

Despite these efforts, the late opening of my account has caused inconvenience and frustration. I have patiently cooperated with your representatives, but the lack of resolution is unacceptable. 

I understand that errors can occur, but the repeated assurances without tangible results are disappointing. As a customer, I expect a higher level of service and a timely resolution to such matters. 

I kindly request the following actions : Immediate investigation into the root cause of the issue.

Transparent communication regarding the steps being taken to resolve the problem.

Assurance that this issue will not affect my account 's functionality or standing once it is resolved.

Compensation for the inconvenience caused during this period.

I appreciate your prompt attention to this matter and expect a resolution within the exact timeframe from the date of this letter. Failure to address this matter promptly will compel me to escalate my complaint through appropriate regulatory channels : XXXX XXXX XXXX Balance : {$1200.00} - My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. 

XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$37000.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 
XXXXXXXX XXXX  XXXX Balance : {$16000.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 
XXXX XXXX XXXX : {$7900.00} - This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I have been trying to fix the discrepancies reported by Nelnet since XXXX to no avail. Ever since then I have been caused so many damages and emotional distress because the information, they are reporting to the public is making me look bad and I'm not getting approved for anything. Also, I had a full XXXX  audit done on my loan from XXXX and so far, Nelnet has accrued about {>= $1,000,000} on a loan note they sold and traded on the secondary market and still asking me for money as if they are the owners of the promissory note still.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: GA

Complaint narrative:
I am writing to file a formal complaint regarding fraudulent items associated with my account or the activities of your company/organization. I believe these items are fraudulent, and I request their immediate removal and resolution. 

I trust that Credit Bureaus takes this matter seriously and will conduct a thorough investigation into the fraudulent items in question. I expect a prompt and diligent response, and I reserve the right to take further legal action if the issue remains unresolved. 

Please acknowledge receipt of this complaint in writing within the exact timeframe, and provide a contact person and their direct contact information for further communication. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX 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 XXXXXXXX Balance : {$990.00}.

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 explanation
Consumer complaint received 2024-02-06 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: FL

Complaint narrative:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been trying to fix the discrepancies reported by XXXX since XXXX to no avail. Ever since then I have been caused so many damages and emotional distress because the information, they are reporting to the public is making me look bad and I'm not getting approved for anything. Also, I had a full Forensic audit done on my loan from XXXX and so far, XXXX has accrued about {>= $1,000,000} on a loan note they sold and traded on the secondary market and still asking me for money as if they are the owners of the promissory note still.

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have been trying to fix the discrepancies reported by XXXX since XXXX to no avail. Ever since then I have been caused so many damages and emotional distress because the information, they are reporting to the public is making me look bad and I'm not getting approved for anything. Also, I had a full XXXX  audit done on my loan from XXXX and so far, XXXX has accrued about {>= $1,000,000} on a loan note they sold and traded on the secondary market and still asking me for money as if they are the owners of the promissory note still.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: IL

Complaint narrative:
I have been trying to fix the discrepancies reported by XXXX since XXXX to no avail. Ever since then I have been caused so many damages and emotional distress because the information, they are reporting to the public is making me look bad and I'm not getting approved for anything. Also, I had a full XXXX audit done on my loan from XXXX and so far, XXXX has accrued about {>= $1,000,000} on a loan note they sold and traded on the secondary market and still asking me for money as if they are the owners of the promissory note still.

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 2024-02-06 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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. 
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.

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 2024-02-06 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: NC

Complaint narrative:
ALL THIS STARTED WHEN XXXX XXXX APPROACHED ME TO HIRE THEM TO COMBINE ALL MY CREDIT CARD PAYMENTS INTO ONE BACK IN XXXX  2023. I TOLD XXXX XXXX I COULD NOT AFFORD TO HIRE THEM I DID NOT NEED THEIR SERVICES. THEY ACTED WIHOUT MY PERMISSION AND CLOSED ALL XXXX CREDIT CARDS, CAPITAL ONE PLATNUM # XXXX, QUICK SILVER XXXX, WALMART XXXX, AND XXXX XXXX  XXXX AND XXXX XXXX  XXXX AND THOSE COMPANIES REPORTED ACCTS CLOSED SAYING I CLOSED THESE ACCTS I DID NOT AND LATE PAYMENTS ON SOME BUT I HAVE BEEN UP TO DATE AND WORKING ON A PAYMENT PROGRAM FOR ALL CARDS. THEY CRASHED MY CREDIT REPORT TO XXXX SCORE. I'M ON SEC 8 HOUSING AND I CAN NOT KEEP MY APARTMENT WITH BAD CREDIT. THERE IS NO 2ND CHANCE TO RE~ATTAIN SEC 8 HOUSING EVER AGAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Clear Recovery, Inc.
State: NE

Complaint narrative:
The debt collectors, Clear Recovery Collection is supposed to call me before they withdrawal any funds from my account that was the agreement and they don't have a judgment/lawsuit against me in this debt. They took money out of my account without contacting me to confirm payment. I've been paying them every month for the last year plus. Every single time they've called and confirmed that I am authorized them to charge my account one time. Until this month I received no phone calls and no notice of a pending withdrawal from my bank account without my permission or a judges ruling. There isn't anything far as I know being filed in court for collections of this debt. I don't understand how they can garnish my checking account without a ruling from a judge to which I have not received a court order. So their legal standings to withdraw from my account, without my permission. Is as far as I've gathered reading the laws they're violating my rights for fair treatment for this debt I've been paying. 
Again The name of the company is Clear Recovery Collections.

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 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Please rectify the error on my account by removing the incorrect late payment notation. I have always made timely payments and have never defaulted. This issue is significantly impacting my well-being and disrupting my sleep. I implore you to address this matter promptly and correct my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: TX

Complaint narrative:
There's several important information details that's incorrect in my credit profile with the credit bureau. They have the wrong social security number and several addresses I've never seen before. Also can't upload a copy of my FTC Identity theft report to dispute several fraudulent accounts.

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 2024-02-06 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: TX

Complaint narrative:
There's several important information details that's incorrect in my credit profile with the credit bureau. They have the wrong social security number and several addresses I've never seen before. Also can't upload a copy of my FTC Identity theft report to dispute several fraudulent accounts.

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 2024-02-06 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: GA

Complaint narrative:
I am writing to file a formal complaint regarding fraudulent items associated with my account or the activities of your company/organization. I believe these items are fraudulent, and I request their immediate removal and resolution. 

I trust that Credit Bureaus takes this matter seriously and will conduct a thorough investigation into the fraudulent items in question. I expect a prompt and diligent response, and I reserve the right to take further legal action if the issue remains unresolved. 

Please acknowledge receipt of this complaint in writing within the exact timeframe, and provide a contact person and their direct contact information for further communication. I am asking for your assistance to remove these fraud items in my credit file : XXXXXXXX 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 XXXXXXXX Balance : {$990.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AVANTE
State: PA

Complaint narrative:
XXXX, XXXX along with AVANTE interntionally ignored.your findings of filed .CFPB dispute 's

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: FL

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 non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group
State: WA

Complaint narrative:
I paid the debt in full and actually paid {$25.00} over the amount and they have it written as a charge off and closed. I have called them several times, written letters to them requesting that it be changed and removed like they promised as well as disputed it multiple times. I have been dealing with this situation since they first got my file back in 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