vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
Company has been requested to send all contractual agreements and debt validation. They have been asked to cease reporting until all compliance is met with the original debtor. They are still reporting and this is an inaccuracy. Another cease and desist has been sent today via certified mail

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have a XXXX c that XXXX this debt for {$21000.00}. This XXXX c was accepted by the IRS on XX/XX/XXXX. On my credit report it says that the balance has been paid off but this collection still remains on my report and will remain until the year XXXX. I went to Experian.com and uploaded the XXXX c that was submitted to discharge the debt. I also uploaded the email to XXXX showing that the IRS accepted it. XXXX said that they have 30 days to review everything. On XX/XX/XXXX I got a notification on my Experian account stating " The incorrect account with XXXX XXXX XXXX that starts with XXXX has not been changed and will remain on your credit report ''. This information will be attached. When i received my dispute report in the mail, the results were shown as accurate and in alignment with the XXXX XXXX XXXX. My Experian account has the balance as paid off as you will see, yet its still reflecting negatively against me. Prior to ever reaching out to XXXX I reached out to XXXX XXXX XXXX and they said they're no longer servicing the loan. XXXX is refusing to correct inaccurate information despite me providing them with the XXXX c and a copy of the email stating the XXXX was accepted by the IRS. This is in direct violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I got a personal devt consolidation loan from XXXX and made monthly payments of approximately XXXX per month on AutoPay. In the summer of 2024, I made a large payment to pay off my loan early. This large payment covered all the principal of the loan but a small amount was remaining on the balance for accrued interest from the last month. Then I called XXXX several times for the following reasons : 1 ) their automated system issued a statement showing a remaining balance of XXXX but amount due XXXX ( the typical monthly instalment ). I called to check if this was correct. They assured me that the account was on AutoPay and that AutoPay would only charge my checking account for the remaining balance not the full monthly payment. They said I do not need to take any other action. 
2 ) two months later I got a notification from credit monitoring stating that there was a missed payment reported by XXXX. My account was on AutoPay but they did not take the XXXX. I called them and said that I had the loan on Autopay and I think their automated system had a technical bug where my large payment may have turned it off ( although on my online account it still showed AutoPay was turned ON ). I asked them to process the payment for the full remaining balance minus late fees. They had added late fees to the most recent statement but I told them the late payment was due to their system malfunction so I will not pay that. They agreed and processed the balance. Then they sent me a letter stating my loan was fully paid.

3 ) I also asked them to fix the credit reports to remove the late payment because their system malfunction caused it and it was now hurting my credit score. They told me to file disputes with the reporting agencies, which I did. But my reports are still showing late payments. 
4 ) I was applying for a mortgage and the late paument was hurting my score and impacting the mortgage rates offered. I asked XXXX for a letter where they admit to their AutoPay malfunctioning and that the late payment was not my fault. They said they would send me this letter so I could give it to the mortgage brokers to improve my offered rates. XXXX did send me a letter but it did not admit to any system malfunction, it merely listed the dates that I had missed payments and when the account was paid off. This just made it look like I missed payments and it did not even mention their AutoPay.

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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I got a personal devt consolidation loan from XXXX and made monthly payments of approximately XXXX per month on AutoPay. In the summer of XXXX, I made a large payment to pay off my loan early. This large payment covered all the principal of the loan but a small amount was remaining on the balance for accrued interest from the last month. Then I called XXXX several times for the following reasons : 1 ) their automated system issued a statement showing a remaining balance of XXXX but amount due XXXX ( the typical monthly instalment ). I called to check if this was correct. They assured me that the account was on AutoPay and that AutoPay would only charge my checking account for the remaining balance not the full monthly payment. They said I do not need to take any other action.

2 ) two months later I got a notification from credit monitoring stating that there was a missed payment reported by XXXX. My account was on AutoPay but they did not take the XXXX. I called them and said that I had the loan on Autopay and I think their automated system had a technical bug where my large payment may have turned it off ( although on my online account it still showed AutoPay was turned ON ). I asked them to process the payment for the full remaining balance minus late fees. They had added late fees to the most recent statement but I told them the late payment was due to their system malfunction so I will not pay that. They agreed and processed the balance. Then they sent me a letter stating my loan was fully paid. 
3 ) I also asked them to fix the credit reports to remove the late payment because their system malfunction caused it and it was now hurting my credit score. They told me to file disputes with the reporting agencies, which I did. But my reports are still showing late payments.

4 ) I was applying for a mortgage and the late paument was hurting my score and impacting the mortgage rates offered. I asked XXXX for a letter where they admit to their AutoPay malfunctioning and that the late payment was not my fault. They said they would send me this letter so I could give it to the mortgage brokers to improve my offered rates. XXXX did send me a letter but it did not admit to any system malfunction, it merely listed the dates that I had missed payments and when the account was paid off. This just made it look like I missed payments and it did not even mention their AutoPay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I got a personal devt consolidation loan from XXXX and made monthly payments of approximately XXXX per month on AutoPay. In the summer of XXXX I made a large payment to pay off my loan early. This large payment covered all the principal of the loan but a small amount was remaining on the balance for accrued interest from the last month. Then I called XXXX several times for the following reasons : 1 ) their automated system issued a statement showing a remaining balance of XXXX but amount due XXXX ( the typical monthly instalment ). I called to check if this was correct. They assured me that the account was on AutoPay and that AutoPay would only charge my checking account for the remaining balance not the full monthly payment. They said I do not need to take any other action.

2 ) two months later I got a notification from credit monitoring stating that there was a missed payment reported by XXXX. My account was on AutoPay but they did not take the XXXX. I called them and said that I had the loan on Autopay and I think their automated system had a technical bug where my large payment may have turned it off ( although on my online account it still showed AutoPay was turned ON ). I asked them to process the payment for the full remaining balance minus late fees. They had added late fees to the most recent statement but I told them the late payment was due to their system malfunction so I will not pay that. They agreed and processed the balance. Then they sent me a letter stating my loan was fully paid.

3 ) I also asked them to fix the credit reports to remove the late payment because their system malfunction caused it and it was now hurting my credit score. They told me to file disputes with the reporting agencies, which I did. But my reports are still showing late payments.

4 ) I was applying for a mortgage and the late paument was hurting my score and impacting the mortgage rates offered. I asked XXXX for a letter where they admit to their AutoPay malfunctioning and that the late payment was not my fault. They said they would send me this letter so I could give it to the mortgage brokers to improve my offered rates. XXXX did send me a letter but it did not admit to any system malfunction, it merely listed the dates that I had missed payments and when the account was paid off. This just made it look like I missed payments and it did not even mention their AutoPay.

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 2024-12-11 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Re : Feedback on XXXX XXXX XXXX  Complaint ID : XXXX Dear CFPB, I am writing to provide feedback regarding the response from Equifax about the inaccuracies reported on my XXXX XXXX XXXX account with account number ending in XXXX. While Equifax has claimed to update the payment history and other fields, significant inaccuracies remain, causing continued negative impacts on my credit report. 

Ongoing Issues with XXXX XXXXXXXX XXXX Reporting : Inconsistent Charge-Off Reporting : Equifax states that the creditor reported the status as correct, but the reported charge-off date and balance inconsistencies persist. My records show a different timeline and amount, which has not been rectified. 

Incorrect Account Details : Despite Equifax updating payment history and other fields, the balance and negative available credit remain inaccurate. The reported charge-off amount and available credit are inconsistent with my records and the initial dispute documents.

Ongoing Reporting Discrepancies : Equifax has failed to fully address my concerns regarding the first delinquency date, which still appears inaccurately on my credit report. The continued inclusion of incorrect historical account data continues to affect my creditworthiness. 

Incomplete Dispute Resolution : While Equifax claims adjustments have been made, the non-monetary relief falls short of fully resolving the dispute. The adjustments do not align with the factual evidence I have provided and continue to reflect inaccuracies.

Request for Further Review and Correction : I respectfully request that the CFPB review Equifaxs investigation and ensure that all inaccuracies are corrected in compliance with the Fair Credit Reporting Act ( FCRA ). Accurate and complete reporting is critical for maintaining a fair and accurate credit report. 

Thank you for your attention to this matter. I look forward to a thorough resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: NY

Complaint narrative:
Please remove this account from my credit report since it is unauthorized and unrelated to me. I urge you to investigate and resolve any additional inaccuracies.

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 2024-12-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Control, LLC
State: KY

Complaint narrative:
The credit control company contacted someone else giving them my personal information. Including social security number and that is unexceptionable. A coworker of mine contacted me and told me they did it to him and his girlfriend. They sent me screenshots of the msgs they were getting for me. No telling how many other people they sent my personal information to. 
I have already contacted XXXX numerous times telling them I sent in the equipment they wanted. I shouldnt be charged for it.

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 2024-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I purchased a brand new, large 3d printer via XXXX in XX/XX/XXXX. I purchased it from XXXX XXXX, a dealer in XXXX, Iowa. I picked up the printer from the Manufacturer in XXXX, Indiana on XX/XX/XXXX. The pickup date made available to me was later than I was promised and the machine was very faulty from the beginning. After 28 days of attempting to use the machine I asked for a refund. XXXX refused. On XX/XX/XXXX I filed a dispute with XXXX. In XXXX I provided to XXXX documents from three industry experts explaining the printer was significantly not as described. On XX/XX/XXXX, XXXX told me XXXX agreed to provide a refund. XXXX instructed me to return the item to the manufacturer ( not the seller ) with tracking information and to require a signature. As I was preparing to ship the printer, I contacted the proposed receiver to ensure they would be available for the delivery. They told me at that time they would not accept the item back and would refuse any attempt of delivery, sight unseen. They also told me to delay shipment until it was sorted out, a direct contradiction to what XXXX instructed me. I contacted XXXX with this information and they told me to ship it anyways ; the receivers attempt to refuse the delivery " was not my problem ''. So that is what I did. The freight company made two attempts to deliver and obtain a signature but the receiver would not make themselves available. Finally, I instructed the freight company to deliver without signature. The item was delivered on XX/XX/XXXX. The freight company said it was " delivered okay ''. Days later the seller filed new information with XXXX stating the printer had been damaged during shipping. On XX/XX/XXXX XXXX denied my dispute claim and refused to provide the refund they promised. I believe this is wrong because XXXX acted in bad faith during the return process. They forced me to take responsibility for the item arriving damaged without giving me the option to deliver the item myself ( which is how I received it ) and they did not force the seller to be available to receive the item where the receiver could have denoted the machine was damaged during shipment. The seller 's bad faith was then rewarded by XXXX denying my claim. Part of this purchase was placed on my credit card from Wells Fargo. After XXXX refused to help, I filed a chargeback with Wells Fargo on XX/XX/XXXX. Wells Fargo has rejected the chargeback due to the merchant 's return policy. They will not give me additional information. I was within the merchant 's return policy and I have shared that information with them, but they refuse to change their decision. Specifically, this is Wells Fargo Case Number 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 2024-12-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
I am on the SAVE repayment plan, which means I am in automatic forbearance. I received a letter stating I am accruing interest while in forbearance, however, that should not be the case. I can not get in touch with anyone at Mohela. I've tried to call multiple times and recently submitted an email through their system. I need confirmation on whether I am accruing interest or not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-12-11 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:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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 non-monetary relief
Consumer complaint received 2024-12-11 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: EQUIFAX, INC.
State: VA

Complaint narrative:
This is the same complaint as the existing complaints XXXX and XXXX. Written notice to Equifax to place a credit freeze was sent to Equifax via certified mail on XX/XX/XXXX. The pending complaint to which no action has been taken is that rather than notifying that the credit freeze was places as requested, Equifax once again responded by saying it had no record of me and asked again for identifying information which has been previously provided not to mention the existing complaint for the same refusal to process the freeze request by asking yet another time for identifying information. 
How and why has CFPB been unable to have Equifax simply placed the credit freeze and stopped refusing to do so on the grounds it ever heard of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: MI

Complaint narrative:
Unfortunately, I have noticed an account open on my consumer report at this account does not belong to me. I would like for you to be removed immediately. XXXX XXXX XXXX Account Number : XXXX Date opened XX/XX/year> these account was opened and furnace as the result of a data beach/identity theft. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.. This account is reported in accurately on the balance present and is not up-to-date. This account must be removed from my consumer report immediately, which is my right as a federal protected consumer. I have the right to dispute a lawful validation of debt pursuant to 12 CFR 1006.34 Notice for validation of debts under the FDCPA. Persian to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) They Are PROHIBITED BY LAW to furnish any public information without informing me about my consumer rights which Portfolio recovery Associates did continue to furnish my public information without having permissible purposes, pursuant to 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. This company is in violation of the following Laws ; 15 U.S. Code 1681a ( e ) - Definitions ; rules of construction 15 U.S. Code 1692c ( c ) - Communication in connection with debt collection 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. 15 U.S. Code 1681 q - Obtaining information under false pretenses. 18 U.S. Code 1028A - Aggravated identity theft. Until this alleged debt is validated by proof of contractual agreement it is illegal for this company To continue to furnish this alleged debt on to my consumer reports. This company may be held liable pursuant to federal law title 15 USC 16810 and title 15 USC 1681N for negligence. Pursuant to FCRA 605B and 15 USC 1681C-two I demand that these accounts be removed within four business days as permitted by federal law.

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