vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Numerous times I have attempted to resolve this issue with Transunion. Please be advised that this issue is causing financial damages. Failure to provide an appropriate legal and lawful response will result in further actions. Failure to provide such response within 7 calendar days will be constituted as your acceptance that this account is false and misleading. This is inaccurate. Please verify, validate, and document LEGALLY this account is accurate. Please provide proof that I was late on this account. A simple answer of " been verified '' does not constitute an appropriate legal nor lawful response. Also remove the unauthorized inquiry XXXX XX/XX/XXXX PLEASE UPDATE THE FOLLOWING ( PAID AS AGREED ) NEVER LATE IMMEDIATELY IF YOU ARE UNABLE TO PROVIDE EVIDENCE OF LATE PAYMENTS XXXX XXXX  XXXX XXXX {$20000.00} XX/XX/XXXX ( PAID AS AGREED ) NEVER LATE XXXX XXXX XXXX XXXX credit card {$8200.00} XX/XX/XXXX ( PAID AS AGREED ) NEVER LATE XXXX XXXX XXXX XXXX {$27000.00} XX/XX/XXXX ( PAID AS AGREED ) NEVER LATE

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 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I believe Midland Credit Management , INC violated the FDCPA by publically serving me a summons for a debt they failed to properly attempt to collect on in my native language. Midland Credit Management , INC has been sending me letters in the XXXX  language. 
I do not speak, or read, XXXX. Why would I think anything mailed to me in XXXX  is an important document that I would be required to respond to? I also received numerous calls from someone speaking XXXX, I am now under the assumption that was Midland Credit Management , INC . I embarrassingly had a police officer show up at my door serving me a summons for a debt I did not know existed. The debt has NOT shown up on any of the three credit bureaus, XXXX, XXXX, or XXXX, reports. 
How are they able to cause stress in my life by serving me a summons when they did not properly communicate with me in English? I think this is an extremely deceptive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I checked my credit report and found a hard inquiry on my credit report from a XXXX bank on XX/XX/2022. I have never done any business with a XXXX bank and do not know why they put a hard inquiry on my credit report. I contacted XXXX Bank and but they never gave me a clear answer why there is a hard inquiry on my credit report and asked me to contact TransUnion to remove the inquiry. I tried to contact TransUnion several times but never reached a real person.

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 2023-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
Fraudulent card account has not been cancelled despite notifying the issuer Goldman Sachs, or removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I HAVE QUITE A FEW FRAUDULENT INQUIRES REPORTING ON MY CREDIT REPORT. I NEED THESE REMOVED WITHIN 4 BUSINESS DAYS. THESE INQUIRES AREN'T ATTACHED TO ME AT ALL. EXPERIAN : XXXX XXXX, XXXX XXXX - Inquiry date XX/XX/2022 XXXX XXXX  XXXX XXXX Inquiry date XXXX XXXX, 2022 XXXX XXXX XXXX XXXX - Inquiry date XX/XX/2022 XXXX XXXX XXXX  : Inquiry date XX/XX/2022 2022

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 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the inaccurate information that XXXX XXXX XXXX Bank has reported to the credit reporting agencies about my account. I believe that the bank has violated multiple provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ). 

XXXX XXXX XXXX Bank has failed to report accurate information to the credit reporting agencies, which has led to inaccurate credit reports and has negatively affected my credit scores. This violates Section 623 ( a ) ( 1 ) ( A ) of the FCRA. Additionally, the bank has failed to conduct a reasonable investigation of my dispute regarding the inaccurate information reported to XXXX, which violates Section 623 ( b ) of the FCRA. 

Furthermore, XXXX XXXX XXXX Bank has violated Section 312 of the FACTA by failing to maintain reasonable procedures to ensure the accuracy of the credit report information it provides to the credit reporting agencies. 

The bank has also reported different dates of last payment and last reported dates to XXXX and Equifax, which violates Section 623 ( a ) ( XXXX ) of the FCRA. This inaccurate information can lead to inaccurate credit reports and affect credit scores. 

Lastly, the bank has reported a late payment on XX/XX/2021, to XXXX, when in fact, no late payment was made on the account. This inaccurate information violates Section 623 ( a ) ( 1 ) ( A ) of the FCRA and can affect credit scores and lead to other negative consequences. 

These inaccuracies have had a significant impact on my life. I have been denied credit and have been forced to pay higher interest rates due to these inaccuracies. The inaccurate information has also caused me significant emotional distress and has made it difficult for me to obtain employment and housing. 

Therefore, I respectfully request that XXXX XXXX XXXX Bank remove the unverified collection account from my credit report, as required by law. I also request that the bank take all necessary steps to ensure that accurate information is reported to the credit reporting agencies in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.

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 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.

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 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are ( 6 ) student loans being reported under XXXX  XXXX XXXX reporting inaccurate late payments. It clearly indicated on my credit report XXXX PAYMENT MONTHLY DUE. there was NEVER ANY PAYMENTS DUE ON ANY OF THESE LOANS PRIOR TO IT BEING TRANSFERRED. THESE LOANS HAVE BEEN ON MY CREDIT FILE SINCE XXXX. WHICH LRGALLY IS AGAINST MY FCRA RIGHTS anything after 7 years NEEDS TO BE REMOVED FROM MY CREDIT FILE. THE INFORMATION HAS BEEN REPORTED INACCURATE SINCE XXXX  PLEASE REMOVE ALL 6 ACCOUNTS AND ALL LATE PAYMENTS. THERE WAS NEVER ANY MONTHLY PAYMENT DUE.

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 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are ( 6 ) student loans being reported under XXXX  XXXX XXXX reporting inaccurate late payments. It clearly indicated on my credit report XXXX  PAYMENT MONTHLY DUE. there was NEVER ANY PAYMENTS DUE ON ANY OF THESE LOANS PRIOR TO IT BEING TRANSFERRED. THESE LOANS HAVE BEEN ON MY CREDIT FILE SINCE XXXX. WHICH LRGALLY IS AGAINST MY FCRA RIGHTS anything after 7 years NEEDS TO BE REMOVED FROM MY CREDIT FILE. THE INFORMATION HAS BEEN REPORTED INACCURATE SINCE XXXX  PLEASE REMOVE ALL 6 ACCOUNTS AND ALL LATE PAYMENTS. THERE WAS NEVER ANY MONTHLY PAYMENT DUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are ( 6 ) student loans being reported under XXXX  XXXX XXXX reporting inaccurate late payments. It clearly indicated on my credit report XXXX PAYMENT MONTHLY DUE. there was NEVER ANY PAYMENTS DUE ON ANY OF THESE LOANS PRIOR TO IT BEING TRANSFERRED. THESE LOANS HAVE BEEN ON MY CREDIT FILE SINCE 2010. WHICH LRGALLY IS AGAINST MY FCRA RIGHTS anything after 7 years NEEDS TO BE REMOVED FROM MY CREDIT FILE. THE INFORMATION HAS BEEN REPORTED INACCURATE SINCE 2010 PLEASE REMOVE ALL 6 ACCOUNTS AND ALL LATE PAYMENTS. THERE WAS NEVER ANY MONTHLY PAYMENT DUE.

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 2023-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc
State: TX

Complaint narrative:
We mailed a letter to the debt collector in regards to a debt in the amount of {$2200.00} on XX/XX/2022. Attempting to resolve the debt, we requested a written letter sent back agreeing to our resolution or offering a different resolution. We received multiple phone calls although we asked for a written letter as the only form of communication. After receiving multiple phone calls from the company, we gave them several months to send the correct form of communication. On XX/XX/XXXX we sent yet another letter requesting they only mail us in regards to this communication while proposing yet another resolution. They received the letter this morning and are calling yet again to attempt to make contact. We specifically said they can only contact us by mail and included the mailing address in both letters yet we are still receiving phone calls and no letters sent back to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I HAVE QUITE A FEW FRAUDULENT INQUIRES REPORTING ON MY CREDIT REPORT. I NEED THESE REMOVED WITHIN 4 BUSINESS DAYS. THESE INQUIRES AREN'T ATTACHED TO ME AT ALL. XXXX : XXXX XXXX, XXXX XXXX - Inquiry date XX/XX/2022 XXXX XXXX  XXXX XXXX Inquiry date XXXX XXXX, 2022 XXXX XXXX XXXX XXXX - Inquiry date XX/XX/2022 TRANSUNION XXXX XXXX : Inquiry date XX/XX/2022 2022

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 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the inaccurate information that XXXX XXXX XXXX Bank has reported to the credit reporting agencies about my account. I believe that the bank has violated multiple provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ). 

XXXX XXXX XXXX Bank has failed to report accurate information to the credit reporting agencies, which has led to inaccurate credit reports and has negatively affected my credit scores. This violates Section 623 ( a ) ( 1 ) ( A ) of the FCRA. Additionally, the bank has failed to conduct a reasonable investigation of my dispute regarding the inaccurate information reported to XXXX, which violates Section 623 ( b ) of the FCRA. 

Furthermore, XXXX XXXX XXXX Bank has violated Section 312 of the FACTA by failing to maintain reasonable procedures to ensure the accuracy of the credit report information it provides to the credit reporting agencies. 

The bank has also reported different dates of last payment and last reported dates to XXXX and XXXX, which violates Section 623 ( a ) ( 5 ) of the FCRA. This inaccurate information can lead to inaccurate credit reports and affect credit scores. 

Lastly, the bank has reported a late payment on XX/XX/2021, to XXXX, when in fact, no late payment was made on the account. This inaccurate information violates Section 623 ( a ) ( 1 ) ( A ) of the FCRA and can affect credit scores and lead to other negative consequences. 

These inaccuracies have had a significant impact on my life. I have been denied credit and have been forced to pay higher interest rates due to these inaccuracies. The inaccurate information has also caused me significant emotional distress and has made it difficult for me to obtain employment and housing. 

Therefore, I respectfully request that XXXX XXXX XXXX Bank remove the unverified collection account from my credit report, as required by law. I also request that the bank take all necessary steps to ensure that accurate information is reported to the credit reporting agencies in the future. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent TransUnion a letter over 30 days ago and have not gotten a response in regards to all of the incorrect information they have reporting on my credit. They have incorrect addresses, and jobs that I wrote to have deleted and they are still there. No response no letter no nothing.

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 2023-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: PA

Complaint narrative:
Ever since the government started promising to forgive student loans, my interest rates have risen on both my American education services loan and my private XXXX loans. I feel they are doing this to get the most out of the government forgiveness prior to being forgiven and increasing amounts due to them from the borrower, in the meantime.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: WI

Complaint narrative:
I have a consolidated federal student loan with mohela and I qualify for PSLF under the limited waiver. Unfortunately, I can't seem to get my payment counts updated now for over a year despite multiple contacts with mohela and studentaid.gov. 

I applied for PSLF in XX/XX/2022. My employer was deemed qualified and I should have had well over 120 eligible payments under that employer at that time. However, my payments remain not fully counted now over a year later - specifically payments from XXXX have not been counted. 

I'm still not sure if this is a mohela of DoE problem. I have chatted and called with mohela and studentaid.gov more than 10 times over the last few months. I have escalated through mohela 's pslf line. I have filed a complaint through studentaid.gov. I have been told many different things, including that mohela recognizes that there is a problem and said they would fix it ( on XX/XX/XXXX over the phone with mohela they said all my counts would be updated within 14 business days, which didn't happen - this is documented in the notes in my account ). I chatted yesterday with mohela and they said to just wait longer. I called yesterday with mohela and again they said there was a problem that they would handle by sending an email to someone. I asked to speak with a supervisor and they refused. They also said that they would send me a form in the mail within 30 days so that I could send them evidence of my payments made and I might hear something back 90 days after that but there was no guarantee. I would appreciate any help resolving this issue. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am filing again this complaint and informing you to do an investigation on this account XXXX XXXX XXXX XXXX that is appearing negatively on my report that I am not aware where it came from. This is my 2nd time filing a complaint because my first complaint was closed without proper investigation. I am attaching the letter I have sent to the bureaus.

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 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am filing again this complaint and informing you to do an investigation on this account XXXX XXXX XXXX XXXX that is appearing negatively on my report that I am not aware where it came from. This is my 2nd time filing a complaint because my first complaint was closed without proper investigation. I am attaching the letter I have sent to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I made a deposit at the Chase ATM and there was a problem, they gave me a receipt that said to call a number to check that my deposit was made correctly, I called that number and they told me that they were going to give me a credit, while they checked if the money was in the ATM, and I said Okay. Later they told me that the technician checked and that the money was not in the ATM, and I told them that it was wrong because I deposited the money, that they should check the cameras of the bank and the ATM and they said that they could not do that and I told them that Since they couldn't review that and then what could I do and they said that nothing else can be done, that was all. And then I told them where my money is and the lady who helped me said that she didn't know anything, and that she didn't have any more information than that it was all she had in her notes. 

Note : this problem had already happened before and the money always appeared. The drive true ATMs are always out of order in the 2 branches in the area where I live and the only one that works sometimes is the one inside the bank. And I think that this time the money " disappeared '' because I put some reviews on XXXX maps telling the truth, but they were negative comments towards the institution and I think they didn't like it very much.

Company response to consumer: Closed with explanation