vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-07 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: TX

Complaint narrative:
Experian is reporting an incorrect balance on my student loans with XXXX. They are reporting I owe {$100000.00} between XXXX accounts. I owe XXXX {$78000.00} as of XX/XX/year>. I have disputed this multiple times with Experian. I have provided documentation and they refused to correct the errors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: IL

Complaint narrative:
XXXX and XXXX is not reporting any late payment remarks. You are the only company reporting this account that have late payment. In line with the Fair Credit Reporting Act, I am formally requesting a thorough investigation into these inconsistencies. Attached herewith are supporting documents that unequivocally refute the existence of late payments on the aforementioned 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 2024-03-07 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: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: GA

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Stewart Information Services
State: MD

Complaint narrative:
My father passed away in XX/XX/XXXX. I inherited his home. 
After his death, during COVID, I took out a loan from XXXX XXXX. In XXXX, I thought I sold the home for the equity to XXXX. That's not what happened. The Massachusetts AG found XXXX engaged in deceptive and fraudulent practices last XXXX. 

In short, on my settlement statement, they listed the purchase price as {$440000.00}. However, they also listed approximately {$410000.00} in " fees. '' Stewart Title performed the underwriting for the transaction. They failed to escrow ANY money. 

XXXX XXXX filed a claim against the title insurance ( that I was encouraged to buy by XXXX ), and Stewart Title, in turn, filed a claim against me for their failure to withhold the money. 

Today, Stewart filed a Bank Garnishment against my employer, the State of Maryland, and me to recover the fraudulent claim. XXXX XXXX Circuit Court XXXX XXXX. XXXX I filed a counterclaim in XXXX, but Stewart Title failed to answer the complaint. I asked the Court for a default, and the court has yet to respond. 

I don't believe the attorneys who filed the complaint received authorization from Stewart Title to do so. I believe they thought they could collect an easy debt. 

The attorneys who filed the complaint are : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX The more you dig into the case, the more you can see why Stewart Title failed to answer. The notary who signed the purchase deed for XXXX XXXX lives in Florida. The representative for XXXX XXXX lives in Washington State, and the representative for XXXX lives in New York. 

Maryland is not a reciprocal state with Florida for Title Insurance Producers. This means that the notary must have the State 's permission before notarizing loan documents. Stewart Title is aware of this and this is why they failed to answer the counterclaim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hey, On XX/XX/XXXX, I made transfers totaling {$500.00} and {$600.00} using my debit card through XXXX. However, my bank account shows XXXX transactions of {$400.00} each disappearing. I've tried to resolve this with XXXX but couldn't get any information. I then filed a dispute, but it was closed in less than XXXX hours without any further explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: AR

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: GA

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) against Portfolio Recovery Associates LLC due to their failure to respond to my dispute. 

On XXXX, I mailed a dispute letter to Portfolio Recovery Associates LLC via USPS with tracking number XXXX XXXX XXXX XXXX XXXX XXXX. The letter was successfully delivered on XX/XX/XXXX. However, despite the confirmation of delivery, I have not received any response from Portfolio Recovery Associates LLC regarding my dispute. 

As per the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), debt collectors such as Portfolio Recovery Associates LLC are required to investigate consumer disputes within 30 days and provide a response. Portfolio Recovery Associates LLC 's failure to respond to my dispute within the mandated timeframe constitutes a violation of both the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: IL

Complaint narrative:
I am writing to formally dispute certain information contained in my credit report, as obtained from your bureau. After a thorough review of the report, I have identified inaccuracies that require your immediate attention and correction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: NC

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: IL

Complaint narrative:
I have reviewed my credit report and found inaccurate information. I request that you help me dispute these inaccurate information I have included in the letter I attach to this complaint. The letter contains my intention to investigate each items and how I would like them to conduct investigation and provide me proof how they look into these accounts in error listed on my credit report. 

I have filed an FTC report with report number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Professional Recovery Management
State: NC

Complaint narrative:
I received the following text message from the phone number ( XXXX ) XXXX : Fox Collection Center. You have account XXXX in our office. Call XXXX www.payfoxcollection.com Reply Stop to opt out And I do not have any outstanding debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: PA

Complaint narrative:
In XX/XX/2023 I transferred my student loans from Nelnet to XXXX for repayment. After my loans were transferred to XXXX, Nelnet failed to " close '' or " transfer '' my loan accounts on my credit report. I have contacted Nelnet three times by phone to have this complete and even filed a dispute with Nelnet to have them close the accounts. They sent me a statement in the mail that says their accounts are correct and have been transferred when they are not. My credit report is taking a hit because it is reporting that I owe double the amount of student loans when I have only one servicer for them, which is XXXX. I should not have an open account with Nelnet as I have not had them for my loan servicer since XX/XX/2023. This is affecting my daily life as I have tried to apply for other loans and can not be approved because my debt ratio is too high due to the incomplete task that Nelnet is failing to accomplish on my behalf. I filed a dispute on XXXX for all my Nelnet accounts, which came back that the consumer disagrees with my statements. I have paper work stating when XXXX took over and that my accounts with Nelnet were transferred. 

I have already sent a complaint through CFPB. Nelnet responded with a letter stating that they have put a " suppression '' on my accounts and that once they evidence from the Education Department that my accounts should be closed, then they will take the corrective actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: PA

Complaint narrative:
In XX/XX/2023 I transferred my student loans from XXXX to XXXX for repayment. After my loans were transferred to XXXX, XXXX failed to " close '' or " transfer '' my loan accounts on my credit report. I have contacted XXXX XXXX times by phone to have this complete and even filed a dispute with XXXX to have them close the accounts. They sent me a statement in the mail that says their accounts are correct and have been transferred when they are not. My credit report is taking a hit because it is reporting that I owe XXXX  the amount of student loans when I have only XXXX servicer for them, which is XXXX. I should not have an open account with XXXX as I have not had them for my loan servicer since XX/XX/2023. This is affecting my daily life as I have tried to apply for other loans and can not be approved because my debt ratio is too high due to the incomplete task that XXXX is failing to accomplish on my behalf. I filed a dispute on Experian for all my XXXX accounts, which came back that the consumer disagrees with my statements. I have paper work stating when XXXX took over and that my accounts with XXXX were transferred. 

I have already sent a complaint through CFPB. XXXX responded with a letter stating that they have put a " suppression '' on my accounts and that once they evidence from the Education Department that my accounts should be closed, then they will take the corrective actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I reviewed a copy of my credit report and I noticed there were some fraudulent inquiries listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. I am requesting for these following inquiries to be removed from my credit report : FRAUDULENT INQUIRIES Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX  INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX  INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX  INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX INquiry Date : XX/XX/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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I reviewed a copy of my credit report and I noticed there were some fraudulent inquiries listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. I am requesting for these following inquiries to be removed from my credit report : FRAUDULENT INQUIRIES Inquiry Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX  INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX NA INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX INquiry Date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Please update my account and remove the inaccurate late payment. I always pay on time and never missed a payment. I'm begging you please 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