vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to express my annoyance and frustration regarding the inaccurate information on my credit report related to the accounts listed below : XXXXXXXX XXXX XXXXXXXX and XXXX XXXXXXXX. Despite my multiple attempts to resolve the issue, the late payments and negative status continue to be reported on these accounts. It is unacceptable that my family 's exceptional circumstances and financial difficulties due to the death of a close relative are not being taken into account. I want to bring to your attention that I have been in touch with the respective creditors, who have agreed to extend goodwill by removing the reported late payments and updating the status of these accounts. I expect that this agreement will be reflected on my credit report as soon as possible. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to express my extreme annoyance and frustration regarding the accounts on my credit report that I believe are inaccurate. I have already contacted your bureau regarding these accounts, and while they have acknowledged errors and removed them, your bureau has not provided any resolution. I demand that you conduct a thorough investigation into these accounts and remove them from my credit report as they are unverified and inaccurate. I want to reiterate that these accounts contain inaccuracies, and I have reason to believe that there is insufficient information to verify the debts. The other major credit bureaus have recognized this and taken the necessary steps to rectify the situation promptly. XXXX XXXX XXXX XXXX . I am perplexed as to why your bureau has not followed suit. Your bureau 's inaction is not only frustrating but also unacceptable. I urge you to comply with the same standards as your counterparts and rectify this matter immediately. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
It has recently come to my attention that late payments and a negative status are reported on these accounts. I would like to provide context to the circumstances surrounding these late payments. Unfortunately, my family experienced the death of a close relative, and this challenging period resulted in some financial difficulties. I want to bring to your attention that, after discussing my situation with the respective creditors, XXXX XXXX XXXX XXXX has agreed to extend goodwill by removing the reported late payments and updating the status of these accounts. This goodwill gesture is in acknowledgment of the exceptional circumstances and challenges my family faced due to the unfortunate demise of my relative. Given this agreement with the creditors, I kindly request that you promptly update my credit report to reflect the removal of late payments and amend the status to accurately represent the goodwill agreement reached with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} and XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1600.00}. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
2021 requested information from creditor to validate information of accounts, due to being a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: VA

Complaint narrative:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy XXXX Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$390.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXXBalance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXXBalance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 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: FL

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
Received mail from Aidvantage saying I owe money towards a federal student loan. I never received federal or state assistance nor have I ever even qualified for federal assistance with student loans. I have been paying off a private student loan since 2022. I have not taken out any other student loans. The loan through Aidvantage is fraudulent, I need this to be disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: TN

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK
State: VA

Complaint narrative:
I was notified by my lawyer, XXXX XXXX XXXX XXXX, on XX/XX/XXXX that XXXX XXXX XXXX threatened to take legal action against me if I did not pay the full balance of my account within 24 hours. I found out about 2 weeks later they went to court XX/XX/XXXX for wage garnishment. I called XXXX XXXX XXXX 3 times XX/XX/XXXX at XXXX XXXX, XXXX XXXX, & XXXX XXXX. The third time I finally got someone on the phone and they refused to speak with me because they said I had representation. They were notified XX/XX/XXXX by XXXX XXXX XXXX XXXX that I was not being represented by their firm. XXXXXXXX XXXX  XXXX still refused to speak to me until XX/XX/XXXX when I filed for a hearing in court to reduce the garnishment. XXXX XXXX, a lawyer for XXXX XXXX XXXX, told me at the courthouse I needed to call her office and workout a payment plan because they had wiggle room, and could settle my debt for less than I owed, and if I entered into a payment t arrangement they would stop the garnishment. I called that afternoon and couldn't get through. I tried again on XX/XX/XXXX and they told me they couldn't speak to me because I had representation. XXXX XXXX XXXX called me XX/XX/XXXX and said they found the letter from XXXX XXXX XXXX XXXX, and they could not settle the debt for less, so I needed to pay the full balance. They were made aware I had {$820.00} garnished from my pay already, and said I still needed to pay the full balance because they don't have the money, the court has it, and they couldnt get it until the next court date scheduled for XX/XX/XXXX. They told me the balance on my account was {$5100.00}, but the summons I got from XXXX XXXX XXXX said the balance was {$5100.00}. I called them XX/XX/XXXX to verify what the correct amount was, but had to leave a voicemail. My called was returned at XXXXXXXX XXXX on XX/XX/XXXX and the agent I spoke with said she needed to verify with someone else before she could answer that question. As of XX/XX/XXXX, I have not gotten a call back. 

The account in question was from XXXX of XXXX, exceeding the statute of limitations on legal action taken per VA law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: IL

Complaint narrative:
I am submitting this complaint to formally request the correction and update of my personal information on my credit report. Specifically, I am seeking the removal of any unverified, outdated, incorrect, or potentially harmful information that could cause significant inconvenience and harm to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 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: NY

Complaint narrative:
On the date of XX/XX/XXXX and XX/XX/XXXX I notified XXXX, XXXX, and Transunion about this account that does not belong to me, The companies agreed to delete the account after the investigation was concluded but the attached document will show that this account is still being reported on my consumer report. 
I explained I am a victim of identity theft, I made it clear to XXXX, XXXX and XXXX that this account is not mine. 
All XXXX bureaus have continued to report this XXXX XXXX account XXXX inaccurately on my consumer report which violates my consumer rights. 
This account should be immediately removed from all XXXX bureaus as the agreed resolution states. 
After the investigation conducted by XXXX, XXXX and XXXX they concluded that the account was to be deleted but the attached document of my newly updated credit report XX/XX/XXXX is still showing this inaccurate account on my consumer report. 
They claim to have conducted an investigation which has been proven to be false. This inaccurate information is inhibiting me from obtaining funding for a home purchase which is causing emotional distress and damages for me and my family. 
Yet again, you have failed to accurately report information on my consumer report after being notified repeatedly that this account is being inaccurately reported. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, and XXXX  should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$10000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On the date of XX/XX/XXXX and XX/XX/XXXX I notified XXXX, Experian, and XXXX about this account that does not belong to me, The companies agreed to delete the account after the investigation was concluded but the attached document will show that this account is still being reported on my consumer report. 
I explained I am a victim of identity theft, I made it clear to XXXX, Experian and XXXX that this account is not mine. 
All XXXX bureaus have continued to report this XXXX XXXX account XXXX inaccurately on my consumer report which violates my consumer rights. 
This account should be immediately removed from all XXXX bureaus as the agreed resolution states. 
After the investigation conducted by XXXX, Experian and Experian they concluded that the account was to be deleted but the attached document of my newly updated credit report XX/XX/XXXX is still showing this inaccurate account on my consumer report. 
They claim to have conducted an investigation which has been proven to be false. This inaccurate information is inhibiting me from obtaining funding for a home purchase which is causing emotional distress and damages for me and my family. 
Yet again, you have failed to accurately report information on my consumer report after being notified repeatedly that this account is being inaccurately reported. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, and XXXX  should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$10000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
THIS IS XXXX XXXX AND I AM DISPUTING THE ALLEGED ACCOUNT WITH DIVISION XXXX XXXX XXXX AND XXXX XXXX XXXX AND COMENITY CAPITAL BANK. I AM REQUESTING VERIFICATION UNDER OATH OF THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR FOR THIS ALLEGED DEBT. I AM INVOKING MY SPECIFIED REMEDY AS THE ORIGINAL CREDITOR AND DEMAND FOR XXXX XXXX XXXX AND COMENITY CAPITAL BANK TO CEASE AND DESIST ALL COMMUNICATION WITH ALL THIRD PARTIES ; XXXX, XXXX AND XXXX IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 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: National Credit Adjusters, LLC
State: FL

Complaint narrative:
2021 requested information from creditor to validate information of accounts, due to being a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
2021 requested information from creditor to validate information of accounts, due to being a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: FL

Complaint narrative:
I have requested to XXXX XXXX XXXX to validate and verify the negative account they are reporting different information compared to other bureaus. This account is only reporting in EXPERIAN. If your record-keeping had been accurate, this account should have never been erroneously reported. Per FCRA, reporting of account information must be accurate ; I need this account removed immediately.They have refused to comply or provide copies of documentation verifying this account, yet they have been willing to put this unverifiable debt on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC.
State: MI

Complaint narrative:
Exeter Finance is a car loan that was paid off by insurance due to an accident. They are still trying to collect charges they added to the payoff after the payoff was sent to the insurance company for payoff. This debt needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: MD

Complaint narrative:
I opened a Wise account, went through the verification process ( Wise requested a copy of my Driver 's License front and back sides as well as a selfie ). Then I had to initiate a transfer from my bank account to deposit {$20.00} in my Wise account. Among other options ( XXXX, ACH, Wire, credit card ), transfer by debit card was also an option, and I went with it. I provided my debit card information and successfully deposited {$20.00} ( it took about 6 hours as opposed to seconds, as advertised by Wise ). Then, I attempted to transfer {$1200.00}, the amount I intended to transfer out of my Wise account to pay for something that I purchased. My debit card was declined and apparently the transaction did not go through, however on the home page the transaction appeared as " Adding '' = a pending transaction without ANY information about when my bank was contacted, how long it was going to take for the funds to arrive and be available for transaction. I called Wise twice. The first time I got disconnected and the second time the agent told me that despite debit card being displayed as a payment option, it is not. This was the first time I tried using their services and I am having a very unsettling feeling about Wise and am worried that no payment will be able to be made in a timely fashion ( which is the very reason I signed up for their services ). Also, there is absolutely NO WAY to delete the debit card information I provided. It is also very unclear what is going on and whether I should cancel this " pending '' transaction and try to pay for a product/service using a different method. Very unclear and conflicting information that keeps the consumer in the dark about the process and status of their transactions.

Company response to consumer: Closed with explanation