vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-17 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: PA

Complaint narrative:
Funds were drawn from this account in my name without my consent, and I did not benefit from it in any way, shape or form.

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 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Funds were drawn from this account in my name without my consent, and I did not benefit from it in any way, shape or form.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 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: PA

Complaint narrative:
Funds were drawn from this account in my name without my consent, and I did not benefit from it in any way, shape or form.

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 2024-10-17 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Funds were drawn from this account in my name without my consent, and I did not benefit from it in any way, shape or form.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lloyd & McDaniel, PLC
State: AR

Complaint narrative:
In XX/XX/XXXX, I was notified by the HR Department of my full-time employer that my pay would be garnished to satisfy a debt regarding paperwork filed by Lloyd & McDaniel on behalf of XXXXXXXX XXXX XXXX  The amount of {$280.00} was deducted twice per month during each pay period from XX/XX/XXXX to XX/XX/XXXX. The HR employee told me that the amount of the debt to be collected is {$4600.00}, which was the amount withheld from my paycheck over the 8 month period. I contacted the Payroll Department in XX/XX/XXXX as the garnishment was nearing completion to ensure that my normal pay would resume after XX/XX/XXXX. I was told that the debt would be satisfied at that time. After XX/XX/XXXX, my pay resumed and payroll records show that {$4600.00} was withheld from my paycheck and sent to Lloyd & McDaniel. I was thankful that this matter was resolved and relieved so that I can move on with my life. 

On Monday, XX/XX/XXXX, I received a letter from Lloyd & McDaniel indicating that they had sent the same writ of garnishment filed XX/XX/XXXX to a part-time employer. This writ of garnishment is the same as the one satisfied by payroll from my full time employer for {$4600.00}. It was filed less than one month after the debt had been paid by my payroll from the full-time employer. Additionally, Lloyd & McDaniel added interest fees to this writ of garnishment for {$260.00}. Lloyd & McDaniel have begun collecting money from my second employer, which is a part-time contract basis role. They collected {$130.00} on XX/XX/XXXX. This is clearly an overpayment as this debt was resolved in XX/XX/XXXX through my payroll from my full-time employer. 

I am greatly concerned that Lloyd & McDaniel are trying to collect more money than they are owed for a debt that has been paid as of XX/XX/XXXX. I am requesting that the writ of garnishment sent to the second employer be withdrawn and the employer be provided with instructions to discontinue withholding money from my paycheck. I have included the writ of garnishment filed on XX/XX/XXXX, which was sent to the second employer after the debt was paid in full to Lloyd & McDaniel in XX/XX/XXXX. I also want all overpayments immediately refunded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I am formally lodge a complaint regarding the management of my student loans previously serviced by Navient. My concerns stem from a series of issues, including : 1. Misleading Forbearance Advice : I was repeatedly placed in forbearance, which was misrepresented to me as the best option for managing my loans. This has resulted in a significant increase in my principal balance, which I believe to be an unfair outcome.

2. Incorrect Reporting to Credit Bureaus : Despite being placed in forbearance, my payments were reported as late to credit bureaus, negatively affecting my credit score.

3. Inability to Release Co-Signer : My co-signer passed away in XXXX  and despite my numerous attempts, I have been unable to have their name removed from my loans. This has caused unnecessary distress and complications in managing my loan obligations.

4. Public Service Loan Forgiveness ( PSLF ) Denial : I have attempted to apply for PSLF multiple times, but I was continuously informed that my loans were ineligible. I believe this guidance was misleading, and I may have missed out on a valuable opportunity for forgiveness. 
5. Ongoing Harassment : Despite my loans being transferred to another lender, I continue to receive calls from Navient representatives regarding my account. This is unacceptable and disruptive. 

I request that Navient takes immediate corrective action by : Discharging all of my student loans that were serviced by Navient, given the history of mismanagement and misinformation. 
Correcting any inaccurate reports made to credit bureaus regarding late payments. 
Confirming in writing that my co-signer has been removed from my loan account due to their death. 
Ceasing any further communication with me regarding these loans, as they are no longer serviced by Navient as by the email received by Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I, XXXX XXXX XXXX, XXXX XXXX XXXX, have been a victim of identity due to several data breaches, including XXXX, XXXX, and the Louisiana DMV. I try to keep up with my credit report, but due to my eyes, I can barely see at times, and I have a XXXX. I noticed there were several injuries on my credit report, including an address I never lived at and an account that is a result of identity theft and is not mine. 



These addresses are not mine, and for accuracy, my credit report shows only my living address, including where I pay utilities. My only address is XXXX XXXX XXXX, XXXX XXXX, XXXX, LA, XXXX is my old address. I have attached my lease for accuracy and will update the credit bureau with my utility bill. 

These are not my address below. 

XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single-family XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX type XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX Resident type Single-family XXXX XXXX XXXX XXXX, LA XXXX Resident type Post office box XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single-family -- - These are not my account and it's a result of identity theft due to the data breach. 

LA XXXX XXXX XXXX XXXX Account number XXXX Balance : {$5100.00} Date opened XX/XX/year> XXXX XXXX Account number XXXX Date opened XX/XX/year> Balance {$10000.00} these are not mine and i have no knowledge of them.

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 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2024-10-17 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: CA

Complaint narrative:
THIS COMPANY IS NOT FOLLOWING THE LAW AND IS VIOLATING MY RIGHTS. I SENT A LETTER TO XXXX XXXX  TO LET THEM KNOW THAT THIS WAS NOT MY ACCOUNT AND THEY NEVER RESPONDED WHICH I THEN SENT A LETTER TO THIS COMPANY TO TELL THEM TO REMOVE THIS XXXX XXXX  ACCOUNT BECAUSE LAW STATES THEY NEED TO REMOVE IF THE ORGINAL CREDITOR DOES NOT VALIDATE THIS ACCOUNT. I ATTACHED PROOF OF XXXX  LETTER, MAILING, AND TRACKING DELIVERY OF THIS LETTER. EVERYTHING IS TIMESTAMPED AND DATED SHOWING HOW LONG IVE BEEN TRYING TO GET THIS XXXX ACCOUNT REMOVED OFF MY ACCOUNT BUT THIS COMPANY KEEPS IGNORING ME AND BREAKING THE LAW WHICH IS HURTING MY LIVELIHOOD. PLEASE FORCE THEM TO FOLLOW THE LAW AND REMOVE THIS XXXX ACCOUNT OFF MY REPORT PERMANENTLY.

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 2024-10-17 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:
THIS COMPANY IS NOT FOLLOWING THE LAW AND IS VIOLATING MY RIGHTS. I SENT A LETTER TO XXXX  XXXX  TO LET THEM KNOW THAT THIS WAS NOT MY ACCOUNT AND THEY NEVER RESPONDED WHICH I THEN SENT A LETTER TO THIS COMPANY TO TELL THEM TO REMOVE THIS XXXX XXXX  ACCOUNT BECAUSE LAW STATES THEY NEED TO REMOVE IF THE ORGINAL CREDITOR DOES NOT VALIDATE THIS ACCOUNT. I ATTACHED PROOF OF XXXX  LETTER, MAILING, AND TRACKING DELIVERY OF THIS LETTER. EVERYTHING IS TIMESTAMPED AND DATED SHOWING HOW LONG IVE BEEN TRYING TO GET THIS XXXX  ACCOUNT REMOVED OFF MY ACCOUNT BUT THIS COMPANY KEEPS IGNORING ME AND BREAKING THE LAW WHICH IS HURTING MY LIVELIHOOD. PLEASE FORCE THEM TO FOLLOW THE LAW AND REMOVE THIS XXXX ACCOUNT OFF MY REPORT PERMANENTLY.

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 2024-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
I have a flag on my credit report showing I owe a debt from a company I have never heard of- AMSHER COLLECTION SERV for a {$200.00} debt. 

I have not received any notices in the mail or any calls or emails regarding this debt. I have never not paid any of my debts so this seems fraudulent. 

I disputed this with XXXX  and called the collection agency where they told me to call a lawyer called XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have sent letters of dispute to Transunion on four separate occasions to rectify incorrect information on my credit report. I initiated the letter back in XXXX of 2024 but I have not heard any information from them and my credit report remains in the same negative status. I have attached the documents that I sent to Transunion personally.

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 2024-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-10-17 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: SC

Complaint narrative:
Im asking for your help with the incorrect account that is being shown on my credit report. This issue has been damaging to my reputation as a customer, and I need your help. I want these accounts removed because they are inaccurately reported and have a negative effect.

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 2024-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Bank closed the account because of some past checks that were deposited. But before all those checks there was {$1500.00} in my checking account and {$500.00} in my savings account Wells Fargo only gave me back {$57.00}. Called them back to see what happened to the funds and told me that they couldnt figure it who the funds belong to and kept {$1400.00} from the checking and and {$510.00} from the saving and that money was already in there before those past checks that were deposited.

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 2024-10-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Dear Sr/Madam, I am writing this letter to formally dispute the validity of a debt collection letter I have received from your organization asserting that I owe a debt related to the account. Under the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to request validation of the debt that you allege I owe you. This is not a request to verify the debt, but rather a request for you to provide complete and competent evidence of my contractual obligation to provide payment due to you. Can you supply me with a contract or agreement signed with your company or the Creditor Please provide the following alleged information to me within thirty ( 30 ) days from receipt of this letter. 

1. The name and addresses of the original and current creditor Verification of the debt amount that you are seeking to collect showing that a contract exists create the amount that you claim is owed.

2. All the assignments showing the debt transfer from the original creditor to the current creditor. 
3. Please provide me XXXX proof the debt was securitized by the original creditor. 
4. Please show the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
5. Please show documentation on your licensing : Please provide me with your agencys licensing and registration information, as requested by the relevant state and federal lawyers. 
Pursuant to my right under FDCPA, please cease and desist from collecting on this debt until you have validated the debt. Please consider this letter as a formal dispute of the debt, and I kindly request that you respond to this dispute in writing within 30 ( Thirty ) days of receiving this letter. Failure to provide the requested information within this time limit will be considered a violation of the FDCPA which will result in the removal of the account from all XXXX ( Three ) credit bureaus. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  XXXX Account Name : XXXX  XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX Account Name : XXXX  XXXX Account Name : UXXXX XXXX XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX UNAUTHRORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Bright Capital Inc
State: TN

Complaint narrative:
I downloaded the Bright App and looked around the app saw it wasnt what I needed. I DID NOT sign up for a membership. When I checked my bank account I was in the negative and noticed it was because I was charged {$97.00} for some sort of membership fee through Bright. I did not sign up for any membership. I contacted bright and had a very sketchy conversation with a XXXX XXXX. I was told my refund would be back in 3-5 days and if I was hit with an overdraft fee that would also be refunded. After I did some digging and found SEVERAL alarming reviews where others had money taken out of their account when they did not sign up for a membership. Some did get their money back after several months most dont appear to have gotten their money back. This practice is dishonest, disgusting and frankly down right alarming. Im writing in to ensure my funds are IMMEDIATELY returned to me. Bright confirmed via XXXX that they can view your bank balance before charging. If this is the case they wouldve seen this charge wouldve put me well into the negative. My complaint will be withdrawn once my funds are back into my account for every day past the 5 working days that they are no back into I will be opening up complaints through this and the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: IL

Complaint narrative:
PLEASE ALL ACCOUNTS! AS PER THE THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX DEBT BONDAGE, WHICH FALLS UNDER XXXX ACCORDING TO XXXX DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A XXXX XXXX XXXX XXXX OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX  XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX {$9600.00}, XXXX {$3800.00}, XXXX XXXX {$0.00}, XXXX {$1700.00}, XXXX {$2500.00}, XXXX XXXX  XXXX {$2300.00} XXXX XXXX XXXX {$4300.00}, XXXX XXXX  {$5200.00}

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