vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-26 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2022 I submitted a dispute and a complaint with the CFPB about The 3 Consumer reporting agencies XXXX and XXXX and Experian are reporting and furnIshing inaccurate Information on my Consumer report. All 3 are reporting inaccurate and different information FRCA States all Information Reporting Must be Accurate in 4 days from todays date which is XX/XX/2022 it will be almost 60 days since I submitted my dispute and complaint with the CFPB to all three consumer reporting agencies only XXXX has responded since XX/XX/2022 which is XXXX and XXXX in the qualified time Frame. Now I have not heard a not one response from ( Experian ) at all whatsoever though i understand that each consumer reporting agency does not communicate with each other I do not see why it is taking so long for them to produce results to this inaccurate information i that i found from Experian when i placed the same dispute and complaint with XXXX and XXXX at the same time. 

I WANT TO KNOW WHAT IS THE VALIDATION VERIFICATION METHOD USED TO VALIDATE THIS INFORMATION __________________________________________________________________________________________________________________________________________ ENCLOSED BELOW IS PROOF OF EACH INACCURATE ACCOUNT IN PDF FORM EVERYTHING THAT I HIGHLIGHTED IN XXXX IS INCORRECT AND INACCURATE AND BY LAW MUST BE REMOVED!!!

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 2022-07-26 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: MD

Complaint narrative:
I have sent disputes regarding the attached matter and have not been provided the desired remedy nor was I provided specific documentation requested to validate that a proper investigation was done.

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 2022-07-26 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have sent disputes regarding the attached matter and have not been provided the desired remedy nor was I provided specific documentation requested to validate that a proper investigation was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Made deposit to cover transactions showed sufficient funds immediately after deposit. It was credited yet was charged an overdraft fee erroneously and it literally shows that had positive balance and the fee is what actually takes me negative. I have worked in banking XXXX yrs and am very proficient in such knowledge of processing ect.

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 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2022, I called transunion to complaint about several unauthorized inquiries on my credit report. XXXX XXXX XX/XX/2022, XXXX. XXXX XXXX XX/XX/2022, XXXX XXXX XX/XX/2022 and XXXX XX/XX/2022. I informed the representative that I had spoken to each of of the companies that made the inquiries and was informed that any fraudulent inquiries needed to be taken up with the reporting agency. XXXX informed me that they had already requested to transunion that their inquiry be removed 3 weeks ago. Transunion has failed to remove these fraudulent inquiries and failed to address my concerns in a timely manner. All the while hurting my credit score and there by costing me more money in paying higher interest rates.

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 2022-07-26 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. My information was also impacted by the XXXX data breach and they have got into the hands of the wrong person. I demand that this incorrect, inaccurate, and unverifiable information on my credit report be immediately removed, this is a violation to FCRA. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 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 2022-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP
State: KY

Complaint narrative:
I traveled to California to visit family the last week of XXXX. I was at my neighbor 's house for XXXX of XXXX and received an email saying that my account was low and that my transaction was sent. When I opened up my account to find out I had only {$13.00} in there. It showed that payments went through XXXX and one through XXXX. {$500.00}. {$600.00}. {$180.00}. {$500.00}. {$200.00}. And {$400.00}. Those were unauthorized transactions. 
I then called the fraud department and filed my report with them, she asked me about the XXXX {$200.00}. deposits that where put into my account from XXXX XXXX XXXX I was not working at that time so I had nothing to deposit. I did tell her that and that I didn't authorize any of those transactions and that I did not deposit any checks. 
She said my report was now filed and that my mobile banking was on hold and would only receive direct deposits and that I would hear from them within 7-10 business days.

I called them around the 7 day mark to get an update on my report and they said it was still under investigation. I did receive copies of those two deposits in the mail, but because they were fraud I did not deposit them. I took them into my local branch and they disposed of them. I did call the fraud department again on XX/XX/22 to let them know they sent me those checks and that it was not my money, he said that he would fix that and put it into the report. 
On XX/XX/22 I received letters in the mail stating that they denied my claims. I called them to find out why and she said that the report had no notes in it other then the two deposits. She asked if I told the whole story to the other person I had spoken to and I said yes, but they never added it into the report. She told me that because it went through XXXX, through the app that they said I authorized it. I told her that they were all unauthorized transactions and she said I can dispute the denial and try it again but it's going to be a very slim chance that I'll get anything back.

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 2022-07-26 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: MN

Complaint narrative:
I disputed a dismissed bankruptcy on my credit report and it is still showing. I inquired about filing a bankruptcy but I never paid for the service or even signed any papers to have the guy to file on my behalf. I've had no luck contacting the company that I was working with to file the bankruptcy which is called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MN XXXX. The guy that I worked with name is XXXX XXXX. I still have all the same debt that I had before I spoke with him about filing. Nothing happened with this except the fact that it was placed on my credit report causing an even more damage to my credit than the things I currently have on there. I really need this removed. Thank you very much!

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 2022-07-26 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I disputed a dismissed bankruptcy on my credit report and it is still showing. I inquired about filing a bankruptcy but I never paid for the service or even signed any papers to have the guy to file on my behalf. I've had no luck contacting the company that I was working with to file the bankruptcy which is called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MN XXXX. The guy that I worked with name is XXXX XXXX. I still have all the same debt that I had before I spoke with him about filing. Nothing happened with this except the fact that it was placed on my credit report causing an even more damage to my credit than the things I currently have on there. I really need this removed. Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I recently checked my credit report and discovered a lot of billing errors. mistakes in billing under U.S. 15. Code 1666 ( b ) the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit extended to the debtor. a computation error or other accounting mistake made by the creditor on a statement. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor didn't send me a statement 21 days beforehand. I demand to see specific documentation from the creditor 's bank accounts proving that I failed to pay and were considered past due because these are obviously billing errors. Below are the list of the disputed accounts. 
XXXX XXXX Balance : {$680.00} CXXXX XXXX XXXX Balance : {$570.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX and Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX  BANK Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-07-26 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
( Original Creditor : ) XXXX Balance : {$24.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
On XX/XX/2022, I was looking at ads on XXXX XXXX. I came across an ad for puppies that needed a home. I contacted the seller XXXX XXXX and was told the puppies were {$650.00}. That I should send a down payment of {$250.00}. She wanted it sent to XXXX. XXXX did not recognize that email so they changed to a friend. XXXX XXXX. Trustingly I sent money after asking for picture of my puppy and where they are located. They said XXXX and sent pictures that looked old. 
The next morning she texted and said she needed to pay the vet for DNA test, shots etc so puppy would be ready for on the XXXX of XXXX. Another {$250.00} sent to a XXXX on XXXX. XXXX originally sent it but then reversed the transaction. So XXXX asked me to send to same person on XXXX as before. Reluctantly I did. 
The next day she asked for {$150.00} for legal papers which after being fussed at I sent again to XXXX XXXX. 
The next message wanted {$230.00} for a kennel the vet required. Money would be refunded at pickup. I refused payment and was told I had hurt her feelings. She has now blocked me on XXXX. 
I called Regions and was told they have no dispute process and basically neither XXXX nor Regions Bank would help recover the money. I just wanted them to investigate it. They said they would but I doubt it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I opened a XXXX XXXX dispute with the CFPB and XXXX XXXX did not resolve my issue. The complaint was closed out. But they did provide me with documentation regarding the loan in question. The documents that they provided me do not match what they are reporting to the credit bureau. The amount being reported is {$7200.00}. Please remove this inaccurate information ASAP as pursuant to FCRA that my credit report must have accurate information at all times. Please have XXXX  XXXX provide the documentation that verifies and matches the exact balance that is being reported. 

Acct. 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 2022-07-26 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$360.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Hi, I have a few late payments on my Nelnet account and i was XXXX at the time with no way to receive mail or notifcations. 
Even after submitting proof, nelnet still would not remove late payments which is significantly affecting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I recently checked my credit report and discovered a lot of billing errors. mistakes in billing under U.S. 15. Code 1666 ( b ) the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit extended to the debtor. a computation error or other accounting mistake made by the creditor on a statement. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor didn't send me a statement 21 days beforehand. I demand to see specific documentation from the creditor 's bank accounts proving that I failed to pay and were considered past due because these are obviously billing errors. Below are the list of the disputed accounts. 
XXXX XXXX Balance : {$680.00} XXXX XXXX XXXXXXXX Balance : {$570.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I recently checked my credit report and discovered a lot of billing errors. mistakes in billing under U.S. 15. Code 1666 ( b ) the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit extended to the debtor. a computation error or other accounting mistake made by the creditor on a statement. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor didn't send me a statement 21 days beforehand. I demand to see specific documentation from the creditor 's bank accounts proving that I failed to pay and were considered past due because these are obviously billing errors. Below are the list of the disputed accounts. 
XXXX XXXX Balance : {$680.00XXXX XXXX XXXXXXXX XXXX Balance : {$570.00}

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 2022-07-26 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation