vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-08 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 2024-05-08 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
All credit bureaus have me as excellent!! they all took off my bankruptcy that was from XXXX last year. Trans Union also took it off last year!! but last week they put it back on and deducted XXXX points from my credit score with no explanation. 
total misinformation about my years of credit cards, the amount of credit that I even had and why they put the bankruptcy back on after a year when no other credit bureau has done that. They did not give me any points for having XXXX XXXX years of XXXX XXXX on time payments and having a much higher credit limit than they originally thought. 
They acted unprofessional because I have worked so hard to build my credit and all the other of the bureaus had me as excellent so instead of giving me more points for correct information they put the bankruptcy back on and took away those XXXX points

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 2024-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed 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 non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
Basically theres a scam going on changing my federal loan forgiveness and I called the number and they changed my password and used my social

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: IL

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history.

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 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: IL

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history.

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 2024-05-08 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: MS

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

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 2024-05-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Issues with fees connected to the loan
Company: Education Principle Foundation
State: OH

Complaint narrative:
The Department of Education has discharged my son 's federal student loans that were borrowed for his education at XXXX  XXXX XXXX. The department has determined that XXXX  XXXX XXXX made pervasive and widespread substantial misrepresentations to students. The federal loans did not cover his full XXXX  year education. My husband and I have taken out private loans to cover the balance. I have reached out to the Dept of Education, to the borrowers defense support, to XXXX  XXXX XXXX, all of these organizations work on behalf of the federal loans only. XXXX  XXXX XXXX had to pay {$96.00} XXXX dollars back on behalf of those students, due to a class action law suit that was filed. Why are they not liable to pay back the private loans? Why is it okay to discharge only a small portion of the money borrowed? Should not matter where the money came from, federal or private. XXXX  XXXX XXXX was paid. I'm not sure anything can or will be done, but I need to be heard. When something is wrong, its WRONG. 
Thank you for your time. 
XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2024-05-08 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: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
I am writing to dispute the accuracy of the information on my credit report that was recently obtained without my consent. Pursuant to the Fair Credit Reporting Act ( 15 USC 1681 section 602 ), I did not authorize the release of my personal information or credit history to your agency. 
Additionally, I would like to bring to your attention that under the Electronic Fund Transfer Act ( 15 USCS 1666b ), any financial institution is required to obtain written consent before sharing any sensitive information about an individual 's financial history. 
I request that you investigate this matter further and provide me with documentation proving that I gave consent for the credit report to be conducted. If you are unable to provide such documentation, I ask that you remove the erroneous information from my credit report immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-08 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Kindly eliminate this erroneous entry from my credit report. I did not authorize or acknowledge this account. The supporting documents validating my claim are enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I AM making a goodwill attempt to have you clear up my late payment record. If you are able to execute a goodwill adjustment, I can continue building my credit score & remain in good standing with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: VA

Complaint narrative:
Urgent Compliance Notice : Immediate Attention Required for FCRA Violations I am writing to formally address a serious matter concerning the unauthorized disclosure of my credit information. As an individual deeply impacted by my upbringing and surrounding environment, the safeguarding of my personal data is of utmost importance to me. My unique circumstances have instilled in me a strong awareness of privacy and the critical need for consent in sharing sensitive information. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - " Permissible purposes of consumer reports, '' it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned. It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information. 

Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court.

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 2024-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: TX

Complaint narrative:
Subject : Formal Complaint Regarding Unauthorized Debt Collection Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint concerning an unrecognized debt being collected by a third-party agency. I have recently become aware of a collection account totaling {$200.00}, for which I have no knowledge or responsibility. 

**Key Points of the Complaint : ** 1. **Unrecognized Debt : ** The debt in question is linked to an address at which I have never resided. I had no knowledge of any transaction or obligation that could have led to the creation of this debt.

2. **Third-Party Involvement : ** The agency attempting to collect this debt is a third-party company with whom I have never entered into any agreement or contract. 
3. **Need for Verification : ** I have not been provided with adequate verification of the debt, as required by law, despite my lack of recognition of this financial obligation.

**Request for Action : ** I respectfully request the intervention of the Consumer Financial Protection Bureau to : - Ensure a thorough investigation into the legitimacy of this debt. 
- Require the collection agency to provide comprehensive proof of my alleged agreement and the origin of the debt. 
- Enact any measures necessary to correct inaccuracies in my credit report stemming from this issue. 

I trust that the CFPB will assist in resolving this matter promptly and justly. Thank you for your attention to this urgent issue. 

Sincerely, 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 2024-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
ALL PARTIES INVOLVED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SANTANDER CONSUMER FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO-SIGNER, SSN : ***-**-XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , SSN : ***-**-XXXX On XX/XX/2023 I purchased a XXXX XXXX XXXX XXXX XXXX XXXX ( VIN XXXX ) at XXXX XXXX XXXX XXXX XXXX in XXXX, TN . After vehicle purchase, I was involved in an accident, and my insurance company ( XXXX ) deemed the vehicle as a total loss. The title never made it to my lien holder after I secured the vehicle. 

After some investigation and due diligence on my part, I discovered that the vehicle title had not been properly maintained before I began the vehicle purchase process. The engine in the vehicle had been replaced, and the car was involved in an accident during transit that was never reported to the TN Department of Revenue, which is the governing body for titles in Tennessee. The mileage on the vehicle is also incorrect between the title and the purchase agreement by almost XXXX miles. The title was never updated to reflect any damages to the vehicle, or " rebuilt '' to reflect correct mileage and the dealer as the primary owner for the vehicle. 

As a result of the negligence by the dealer, the lien holder is unable to guarantee title, and the insurance company will not release the settlement on my claim. I have attempted multiple times to correct this with the dealer with no avail. This has negatively affected my credit, as well as my ability to care for myself, as I am a XXXX veteran that is now left without transportation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 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: GA

Complaint narrative:
LITIGATION IN PROCESS ACT IMMEDIATELY YOU ARE IN VIOLATION THIS IS A NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.I have been trying to resolve this matter for some time with your agency, and the corporations and debt collectors you allowed to fraudulently place inaccurate items on my credit report without permissible purpose, along with violating many other rights I am able to enforce as a natural person. Moreover, you continued to report items that are not XXXX XXXX  accurate ( the most important job as a credit reporting agency ) as well as without my permission. I have had to forcefully study to find out the numerous ways that I have been violated, but my perspicacity and indefatigability assisted me to this very moment. I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), FTC REPORT, CFPB COMPLAINT, BBB COMPLAINT, ATTORNEY GENERAL COMPLAINT, SOCIAL MEDIA HANDLES, AND FEDERAL COURTS IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIAL EVIDENCE, in your ability to willfully neglect the laws that have been put in place to refute situations such as mine.These items should be deleted immediately while in litigation pursuant to FCRA guidelines. If you fail to comply with Federal Law and not delete these items after receiving this paperwork will result in your company owing XXXX per violation.

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 2024-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group
State: AL

Complaint narrative:
Collections account are still being reported on my credit report that havent been properly reviewed and verified

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 2024-05-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: Block, Inc.
State: CA

Complaint narrative:
An account was opened up using my name and email address. I was alerted of this in XXXX and immediately reached out. It is nearly impossible to get ahold of anyone at Square via phone, and I was forced to resort to sending a message via their XXXX page. I continuously receive emails from Square savings with a link to my monthly statement. I WANT THIS TO STOP and I want firm confirmation that all of the accounts associated with any of my information are closed because they are all fraudulent. The email being used is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Hello I was charged {$6.00} for a XXXX purchase that I didn't make in XX/XX/XXXX and XXXX, they reimbursed me for XXXX and did not reimburse me for XXXX. Venmo is suppose to drop this reoccurring charge because I never made it, and XXXX has no idea where the fee is being charged. I continue to make complaints about this and absolutely nothing is being done about it. Why isn't Venmo being held accountable for continuing to allow these fees to be charged. A representative from XXXX tried to figure out where the transaction was coming from and he couldn't find it and he emailed me an email to send to Venmo which I did that states that they can remove the reoccurring fee. Yet they do not. They continue to charge me since 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 monetary relief