vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hollis Cobb Associates
State: GA

Complaint narrative:
Hollis Cobb & Associates : I called the number back to inquire about a debt that was owed. I ask that I be provided a validation of debt. I was informed that they don't provide that. I explained that it is required. They stated that they didn't have it nor were they required to provide. Then they said that they did send it but can't send it again. The debt collector then stated that I " only owed {$20.00} '' I told the caller that I was just told by a previous debt collector it was {$45.00}. He then stated that he would " try and request the form '' and send it via email. I told him that I could sue him for lying and not providing me the required information. I told him that I wanted to receive it by mail so that it is official. He then said that he couldn't hear me and that we were breaking up and disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to 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 2024-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: RI

Complaint narrative:
A little over a year ago I started receiving calls and letters from a lawyers office stating I owed approximately {$1000.00} for an XXXX  visit I had in XX/XX/XXXX. I called the lawyers office right away disputing the bill saying I had health coverage at the time of this visit and it was completely covered by the insurance, they just said okay and filed a dispute. They stopped contacting me after that for about XXXX months and then XXXX day I saw it reported as a collection under my credit report. I then went through all the credit agencies and once again disputed the claim, it came back several months later as claim is accurate debt is still owed the most recent dispute I put in ( XX/XX/XXXX ) I included supporting documents of my health policy at the team and a receipt stating the visit was PAID IN FULL by my insurance. They continue to report the claim as accurate when it is not because it was paid for by insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
In XX/XX/2024, I submitted a report to the CFPB, which has since been closed without any response or correspondence from the corporation regarding the listed violations and associated invoice. Although they sent a copy to the CFPB, they failed to provide me with one. Subsequently, they have initiated flagging my account on XXXX, resulting in an XXXX decrease in my credit score subsequent to the issuance of a cease and desist notice. It is imperative that they refrain from harassing me via XXXX or any other credit bureaus. Despite my notification of numerous violations, they persist in attempting to indirectly demand payment, which constitutes illegal behavior.

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 2024-04-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC
State: GA

Complaint narrative:
XXXX XXXX I borrowed money from the XXXX XXXX as a last resort to help a family member with legal debt. I am XXXX and on a fixed-income, so I was really motivated to pay this debt and have it behind me. I made a few payments late ( only by XXXX to 3 days ). When I noticed that the balance wasn't going down after paying on it for almost a year, I was then told that the loan had no grace period and that because of the late payments the loan was regenerated because they are pawn loans and expected to be paid off in 30 days. This is the most absurd thing that I have ever heard of. HOW am I expected to pay off a loan for that amount in 30 days?! I feel like I've been taken advantage of. I never would have borrowed the money under those conditions. I really need help. I need someone to advocate for me. I want to pay off ONLY what I Originally agreed to and move on. This unfair practice should not be allowed. It's extremely predatory!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: LEXISNEXIS
State: LA

Complaint narrative:
This company has improperly used my personal private information in order to gain profit the violations of 15 USC 1681i ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. This has not been done so and also violates ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. LEXISNEXUS have informed me they have removed the reporting of the requested information and is still being reported on my behalf. The violations of Fair Credit Reporting Act, The privacy act of 1974, and The Gramm-Leach Bliley Act have all been violated and this information need to be urgently removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is a request for my personal information to be updated with XXXX, XXXX and TransUnion. I made this request on XX/XX/scrub> 2024. The information has not been corrected, nor have they responded to my request.

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 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is a request for my personal information to be updated with XXXX, Equifax and XXXX. I made this request on XX/XX/ 2024. The information has not been corrected, nor have they responded to my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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 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 2 out of 3 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 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 2024-04-03 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 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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: TX

Complaint narrative:
I ask each account be delete due to inaccurate information on all tree credit reports

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 2024-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Credit cards on my credit I didnt know about.

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 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

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 2024-04-03 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: KY

Complaint narrative:
I paid off my XXXX XXXX loan from XXXX XXXX on XX/XX/XXXX of this year.. on XX/XX/XXXX XXXX XXXX reports to the XXXX agencies that the account is a charge off and then I owe {$47.00} or did they charged off XXXX and something but still owe XXXX the loan is paid off. I disputed it once came back They said they corrected everything and everythings accurate. it also dropped my credit score by XXXX points..

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 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have been having a problem with a financial services provider since XXXX ... Contacted them multiple times, filed with CFPB, and filed with Experian. NONE or them will correct the inaccuracy. Under FCRA, the function of a credit repository is to insure the " accuracy and completeness, '' per Experian 's OWN information they've now sent me XXXX ( XXXX ) times ( copy attached ). However, they will NOT enforce the " completeness '' portion regarding XXXX XXXX XXXX DESPITE the fact I have provided them documentation MULTIPLE times. They repeatedly response that the creditor ( XXXX  ) has verified the info is correct. Yes, the one " good '' line ( loan ) is, and the XXXX ( XXXX ) delinquent loans XXXX is reporting are accurate. HOWEVER, despite the fact I provided loan numbers AND documentation, Experian apparently does NOT want to upset a " dues-paying member '' ( i.e. XXXX  ) by forcing them to report COMPLETELY, so they just continue reporting that XXXX  " verified '' ( lied about ) the accuracy ... What about the COMPLETENESS of their reporting tho, the other XXXX " good '' loans that are missing, no credit for my XXXX score??? I then sent them ( Experian ) a XXXX page letter ( copy attached ), which they received last Thursday, XX/XX/year> ( verified ). However, they have NOT only again refused to update their records to reflect COMPLETE information, they have ALSO NOT included my XXXX personal statement ( within the XXXX word limitation allowed under FCRA ). I am confident it is not included in my report because I have called them out in my statement as being complicit ( with XXXX ) by not requiring completeness. IF they are not going to report COMPLETELY, I at least want my personal statement I submitted included as part of my report, and as I am allowed to submit under FCRA, and as ( I believe ) they are REQUIRED to include as part of my 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 2024-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2 out of 3 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 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 2024-04-03 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:
I have a hard inquiry from XXXXXXXX XXXX XXXX  from date of XXXX that was not performed by myself.

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 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: NC

Complaint narrative:
Law firm has full file. Student loans from XXXX  and earlier paid off in full w service provider keeps being reported NOW by new providers like Edginancial against me?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: MO

Complaint narrative:
Back in XXXX  Public Service Loan Forgiveness ( PSLF ) Program Limited Waiver Until XX/XX/XXXX, XXXX I applied for this waiver. The dept of education denied it saying the forms were not signed by my employer. I refaxed the forms and they still have not reviewed it and have put me back into making monthly payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Resurgent capital services set up a payment plan for XXXX seperate accounts totalling XXXX XXXXXXXX. XXXX XXXX XXXX made XXXX XXXX payment plan for me.

I also have a payment plan with XXXX XXXX XXXX XXXX  threatened me several times with court appearances. I was told that I was not cooperative, and that I was not acting like I wanted to clear this matter up. They said they would let the judge decide if I should go to jail.

I felt That I had no choice, I was going through the system at a homeless shelter. I was trying to make my life better and felt any negative marks would make it much harder to get housing.

I have been making these payments for XXXX or more months. It is causing me hardship. I live on a XXXX XXXX monthly XXXX XXXX XXXX. I can not get food stamps. I go to as many food pantries as I am able. 
I have hired XXXX XXXX to help me clear this mess up

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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 2 out of 3 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 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Im an XXXX XXXX service member and received orders to Louisiana. Request XXXX  Benefits under Louisiana State Law. I have had three separate credit card accounts with Barclays and am submitting three complaints. These are not duplicates.

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 2024-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
The debt education never removed off my credit after XXXX  yeara

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX 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 non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: WY

Complaint narrative:
Midland Credit XXXX has submitted all of their paper work to XXXX and I have also mailed and emailed and faxed all of my consumer reports about all XXXX accounts being paid. they have not taken care of these and updated these to reflect my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
kindly request your assistance in expediting the removal of these erroneous entries from my credit file. This action is crucial to restoring my financial integrity and ensuring that I am not unjustly penalized for activities that I did not authorize or participate in. 

I understand that rectifying this matter may require cooperation between your company and the credit bureaus. Therefore, I urge you to take swift and decisive action to resolve this issue and provide me with confirmation once the erroneous entries have been successfully removed from my credit report. 

Your prompt attention to this matter is greatly appreciated. Please feel free to contact me at XXXX or XXXX if you require any further information or assistance. 

Thank you for your cooperation and understanding. 

Sincerely,

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