vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: NE

Complaint narrative:
I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.

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 2023-09-20 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: AZ

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-09-21 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: NE

Complaint narrative:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 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 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 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 explanation
Consumer complaint received 2023-09-20 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: DISCOVER BANK
State: TN

Complaint narrative:
XXXX  consumer report states 24 potential negative months with Discover Bank. This account original charge off date reflects XX/XX/XXXX, since this date either Discover Bank is reporting on several different dates ( 17 ) as charge off dates when it should only reflect 1 charge off date or Experian is reporting this false and inaccurate information in my credit report. My Experian report also states that Discover Bank has written off this debt per my Experian report. If so, this account should not reflect a balance ( maybe a past due amount but not a balance ). Also, if Discover Bank has written off this debt they was suppose to provide me with a 1099 tax form so that I can or could have file this debt with the IRS. I have already check my account with IRS.gov and checked all transcripts from XX/XX/XXXX-XX/XX/XXXX and it does not have anything from or for Discover Bank . Eitherway this does not meet the FCRA regulations and/or guidelines. This is consider false reporting. Report is attached to validate this errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 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: FL

Complaint narrative:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to delete these inaccurate items in my file. 
XXXXXXXX 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 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 2023-09-21 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: NE

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: U.S. BANCORP
State: TN

Complaint narrative:
XXXX  consumer report reflects 28 different charge off dates with Elan Financial Service. Elan Financial Service is reporting on several different dates as charge off dates when it should only reflect 1 charge off date or XXXX is reporting this false and inaccurate information in my credit report. My XXXX report also states that Elan Financial has written off this debt per my XXXX report. If so, this account should not reflect a balance ( maybe a past due amount but not a balance ). Also, if Elan Financial has written off this debt they was suppose to provide me with a 1099 tax form so that I can or could have file this debt with the IRS. I have already check my account with IRS.gov and checked all transcripts from XXXX and it does not have anything from or for Elan Financial Service . Either way this does not meet the FCRA regulations and/or guidelines. This is consider false reporting. Report is attached to validate this errors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Unauthorized Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Torriere Holdings INC
State: PA

Complaint narrative:
This debt collector contacted my daughter via text message trying to collect an debt. I have never used my daughters number to obtain credit and Im sure in court Im able to prove it from whoever the original creditor is.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 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: NE

Complaint narrative:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2023-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I opened a dispute on XX/XX/2023 under the claim number XXXX. 
The bank NEVER requested more information about the case and the case was closed and denied. I was waiting the letter requesting more information about the case but that never happened. 
I have the invoice/receipt showing that the merchandize must be sent to my address on or before XX/XX/XXXX. That support my case and prove that merchant didnt sent the purchase. 
I called today XX/XX/XXXX to customer service to reopen the case but they refused to help me, saying that my phone number is not elegible to receive verification codes. I received but they couldnt use it forcing me to go to the branch, something is IMPOSSIBLE because im not XXXX XXXX, Im not in the XXXX. I jus travel very often there, also doesnt make sense because I could open the claim by phone. and having many other options to very me, like my pin number, personal information or account information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paramount GR Holdings, LLC
State: MO

Complaint narrative:
I have filed a complaint about Goodleap before. They are threatening to hurt our credit. We have had to move into XXXX XXXX  due to my XXXX that I was diagnosed with approximately 10 years ago. They put a lien on our house immediately after paying the huge loan to pink energy that was done fraudulently and knowing pink energy was failing. Both of are elderly and I believe we were targeted due to our age, our lack of knowledge, my XXXX and the fact that we owned our home. XXXX XXXX and Goodleap could only win. XXXX XXXX got all their money snd Goodleap will get most of our life savings we out in our home and now we need to sell it and no one will touch it because of the over XXXX loan. They are good at twisting it so it sounds like its a problem with XXXX XXXX when the problem is if their tactics of easily giving these huge loans we cant pay. Two companies win and we lose everything because they lie and cheat. We were targeted for this loan. We ask to be released from this loan due to all this. Goodleap has the attorneys. They have the money. They have everything they need to get the money back from XXXX XXXX. We dont and cant. I know pink energy filed bankruptcy but Goodleap has the wherewithal to fix this. Please help us out of this nightmare we are in.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Rubin & Rothman, LLC
State: MA

Complaint narrative:
My sole income is Social Security XXXX and Supplemental Security Income. Rubin & Rothman started sending me collection letters on XXXX XXXX regarding a credit card from XXXX XXXX XXXXXXXX. I sent immediatedly a cease-and-desist email indicating that my sole income were federal XXXX benefits, which are exempted from garnishment by federal law. 

That was not enough for Rubin & Rothman, and they sued me in state court on XX/XX/2023 without serving me the papers. Fortunately, I got to know about the lawsuit on time by checking the courts online database and responded to the court. 

Rubin & Rothman knew that my case was an automatic dismissal, but they continued with their harassing letters threatening me with future legal action if my financial situation improved even if they could not collect currently. 

I filed for bankruptcy on XX/XX/2023, which orders an automatic stay while the case is resolved, and submitted the corresponding evidence to the state court. 

Rubin & Rothman wrote a collection letter on the same date of my bankruptcy filing and another the following day after the bankruptcy court notified all my creditors of my filing. 

Two months later, Rubin & Rothman had no option but to petition the state court to dismiss their lawsuit, and I received my discharge one month later.

This complaint is about three violations : ( 1 ) attempting to collect a debt from exempted income even after the debtor notified Rubin & Rothman in writing ; ( 2 ) inflicting emotional distress by threatening a XXXX debtor with future reviews of the case, including legal actions ; and ( 3 ) sending repeated collection letters, one day after the other, with the sole purpose of intimidating the debtor in violation of the automatic stay from the bankruptcy filing.

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 2023-09-21 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:
My credit report is showing late payments to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.

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 2023-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I have requested in writing to Credence Resource Management, mailing address XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, on several different occasions, that the account place on my credit report on XX/XX/2021 is not my account. My Validation of Debt has been met with silence and I am at a loss of what to do without them providing proof of my debt. They have refused to provide me with Proof of Ownership of this account. I have been diligently requesting this data and have no resource other than filing an official complaint. I am requesting as my right, to have this debt validated. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
Aidvantage is my new loan servicer for a parent plus loan. Their IDR plan is {$150.00} a month higher than my previous loan provider XXXX. There's no way I can afford repayment amount. It was a struggle previously ( prior to the gov't paused ). And now with the skyrocketing cost of living and exhaustion of savings I just can't afford the amount they are asking. I see no way of navigating around this to make payments. 
I'm am XXXX with a chronic illness and have other household expenses ( i.e. mortgage, car loan, other debts etc ) that prevents me from paying the full amount. My income has decrease since I retired 4 years ago, however, its not reflected in payment amount. I feel like Aidvantage is extorting money from me. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I called and sat on hold 10 minutes to talk with a call centered outside the US. Said it was lowered because of my current credit score which i am trying to increase. I saved for 3 months to make a lump sum payment of {$1200.00} and havent been late but one month. I am rewarded with them lowering the credit score by 50 %. I asked how to make a complaint and they hung up on 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 explanation
Consumer complaint received 2023-09-21 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:
I am writing to express my ongoing concern regarding an inaccurate late payment entry on my credit report, which HAS NOT BEEN CORRECTED DESPITE MULTIPLE REQUEST FOR RESOLUTION. This matter pertains to an alleged late payment of {$3200.00} on XX/XX/2022, as reported by XXXX XXXX with account # XXXX. I wish to emphasize that this late payment entry is in error, and I have provided substantial evidence demonstrating my consistent, on-time payments to XXXX XXXX XXXX Despite my previous communications and the supporting documentation I have submitted, the inaccurate late payment entry persists on my credit report. Please have this account REPAIRED : 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 explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: NE

Complaint narrative:
I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.

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 2023-09-21 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
First dispute filed XX/XX/XXXX for the amount of {$1100.00} claim # ending XXXX was repeatedly being denied finally was ruled to my favor till XX/XX/XXXX nearly 8 months. Second dispute XX/XX/XXXX for the amount of {$2700.00} claim number XXXX was being denied till XX/XX/XXXX was ruled to my favor after 3 months. Third dispute XX/XX/XXXX {$860.00} claim number ending in XXXX was being denied repeatedly till XX/XX/XXXX over 4 months of disputing. Forth dispute XX/XX/XXXX {$1500.00} claim number ending in XXXX disputed for XXXX weeks till XX/XX/XXXX. My favorite one been disputing since XX/XX/XXXX for the amount of {$5200.00} claim number ending in XXXX and Im Ive yet to receive my money back today is XX/XX/XXXX Ive filled a police report number ending in XXXX a ftc claim number ending in XXXX a fdic claim number ending in XXXX and XXXX separate CFPB claims numbers ending in ( XXXX ) - ( XXXX ) - ( XXXX ) and yet havent received anything yet this is ridiculous if any one bothers to ask I may want to ad BofA has a huge security problem with their prepaid cards and someone needs to address this immediately!!!

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 2023-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: OPTUM BANK, INC.
State: OH

Complaint narrative:
I attempted my card at a drugstore in my home town for a medical ailment that Optum bank should be well aware that I have and since I have used other times for supplies for the same ailment. 

I have over XXXX of funds on the card they are my funds that I deposited.

Company response to consumer: Closed with explanation