vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-23 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:
I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX Balance : {$360.00} XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$15000.00} XXXX XXXX  XXXX Balance : {$25000.00} XXXX XXXX  XXXX Balance : {$25000.00} XXXX XXXX  XXXX Balance : {$5800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$2900.00} XXXX  XXXX ( Original creditor : XXXX XXXXXXXX XXXX XXXX ) Balance : {$1400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 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:
I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXXXXXX XXXX XXXX XXXXXXXX, DEPT OF EDXXXX XXXXXXXX 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 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: GA

Complaint narrative:
The inclusion of these unauthorized inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized inquiries : XXXXXXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
On XX/XX/XXXX, I was notified via my online portal and email that my School Misconduct Discharge application was received by Navient. This application was submitted to dispute my private loans and request their discharge due to the mismanagement and misconduct of The XXXX XXXX XXXX XXXXXXXX, where I attended from XXXX to XXXX. XXXX XXXX XXXX is no longer an open institution and has not been for quite some time. I provided all necessary documentation, including detailed responses to all questions, evidence from articles and government-affiliated sources, a signed letter, and transcripts from the community college I attended afterward, showing that none of my credits from XXXX XXXX XXXX transferred due to its lack of accreditation and affiliation with educational institution as it was a for-profit school, and much more. 

On XX/XX/XXXX, I received an email from Navient stating that my loan servicer would be changing to XXXX beginning XX/XX/XXXX. Concerned and confused, I immediately called Navients department that handles school misconduct applications. The representative confirmed that my application was received on XX/XX/XXXX, and assured me that I would receive a response within XXXX business days from that date. 

However, that time has passed, and today, when I logged into my Navient account, I received a notification stating that my administrative forbearance will end in 36 days ; this notification was located in the notification center only. I have not received any communication, whether by email, letter, or phone call from advocate, regarding the status of my applicationneither approval nor denial. 

I am requesting an update on the status of my application, as I believe I have submitted all required documentation correctly and promptly. Despite being informed by a Navient representative on XX/XX/XXXX, that I would receive a response within XXXX business days, I am still awaiting an answer, and I am now faced with the unexpected news that my administrative forbearance is ending soon. 

I have attempted to contact the same department at Navient twice today, but unfortunately, I have not been able to reach anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
I am writing to file a formal complaint against SPS, my mortgage company, regarding the handling of my mortgage account. My account number is XXXX. 

I have been diligently trying to keep my home, but I find myself in a difficult situation where I owe more on the property than it is currently worth. In an effort to find a solution, I have been attempting to negotiate with SPS, but it seems that all I have been offered is an exorbitant repayment plan that I simply can not afford. 

In XXXX, I submitted a complaint to the CFPB, which resulted in SPS postponing a scheduled foreclosure sale date. Since then, I have been trying to review the numbers for a potential repayment plan with SPS. However, during a recent conversation with an SPS employee, I was informed that when I previously attempted to process a short payoff, the offer I made was deemed too low, I was not informed of in the past. The representative I spoke with stated that they could take a new offer over the phone, and I submitted a higher offer. Additionally, there the pending repayment offer was withdrawn. I chose not to accept it at the time because I wanted to see if my new offer would be accepted. 

Unfortunately, I now find myself in a precarious situation once again, as a new sale date has been set for XX/XX/year>. To make matters worse, I have discovered that there is no record of my recent correspondence with SPS on their website, which I believe is highly unfair. I have been making every effort to explore alternative solutions, but it has been challenging to obtain the necessary information. The withholding of this information, I am sure has led to the perception that I am stalling, which is not the case. 

I initially thought that the lack of information on the website was due to a delay, but it now appears that this may have been done intentionally. I believe this is unjust, and although I recognize the seriousness of my situation, I am committed to resolving this matter if given the opportunity. 

I kindly request that the CFPB review my case and intervene where possible to ensure that I am given a fair chance to resolve this situation. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
New Complaint : New FTC complaint Subject : Re-Dispute : Improper Use of Information To Whom It May Concern, I XXXX XXXX am writing to dispute the improper use of my information. The following accounts are not mine and have been included in my previous FTC complaint ( # XXXX ). I have no knowledge of these creditors, and I request that they be removed from my credit profile : XXXX. XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX - Balance : {$300.00} - Status : Account charged off. {$300.00} written off. {$190.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXX - Balance : {$9200.00} - Status : XXXX. {$9200.00} past due as of XX/XX/XXXX. 

Additionally, the following accounts are fraudulent, submitted without my knowledge, and should be removed immediately : 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 These accounts have also been included in my FTC complaint ( # XXXX ). 

According to 15 USC 1681b - Permissible Purposes of Consumer Reports, these creditors do not have permission to report on my credit. I request that these items be removed promptly.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-08-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Southern Auto Finance Co
State: FL

Complaint narrative:
The IRS has officially discharged and canceled this purported debt/security, as evidenced by the submitted IRS Form 1099-C for debt cancellation. I am supplying a copy of this form to the debtor. Despite this, Safco continues to pursue collection efforts and is making misleading claims regarding a debt that has already been canceled according to IRS records. I request that all communication cease immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting 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: OH

Complaint narrative:
Delate my inquiries of my credit XXXX XXXX  ( FINANCE ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( FINANCE ) XXXX -- XXXX XXXX XXXX XXXX ( FINANCE ) XXXXXXXX XXXX XXXX XXXX XXXX ( FINANCE ) XXXX XXXX XXXX XXXX  XXXX ( FINANCE ) XXXX XXXX XXXX XXXX XXXX ( FINANCE ) XXXX XXXX XXXX XXXX  ( FINANCE ) XXXX XXXX XXXX ( FINANCE ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX VIA DEALER ( FINANCE ) XXXX XXXX XXXX ( BANK XXXX XXXX XXXX XXXX  XXXX ( AUTO ) XXXX XXXX  XXXX ( FIANANCE ) XXXX XXXX  XXXX ( BANK ) XXXX XXXX ( BANK ) XXXXXXXX XXXX XXXX XXXXXXXX ( BANK ) XXXX BANK XXXX XXXX XXXX BANK ) 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 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Delate my inquiries of my credit XXXX XXXX  ( FINANCE ) XXXX XXXX 2024 XXXX XXXX XXXX XXXX ( FINANCE ) XXXX -- XXXX XXXX XXXX XXXX ( FINANCE ) XXXX XXXX XXXX XXXX XXXX  ( FINANCE ) XXXX XXXX XXXX XXXX XXXX ( FINANCE ) XXXX XXXX XXXX XXXX XXXX ( FINANCE ) XXXX XXXX XXXX CREDIT ( FINANCE ) XXXX XXXX XXXX  ( FINANCE ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX VIA DEALER ( FINANCE ) XXXX XXXX XXXX ( BANK XXXX XXXX XXXX XXXX  XXXX ( AUTO ) XXXX XXXX  XXXX ( FIANANCE ) XXXX XXXX  XXXX ( BANK ) XXXX XXXX ( BANK ) XXXXXXXX XXXX XXXX  XXXX ( BANK ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX BANK ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: TX

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, XXXX and TransUnion has declined my request to remove outdated addresses from my credit report which are : XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX And I wish to add my current address which is : XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, Experian and XXXX has declined my request to remove outdated addresses from my credit report which are : XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX And I wish to add my current address which is : XXXX XXXX XXXX XXXX, FL 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 2024-08-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: TX

Complaint narrative:
On Wednesday, XXXX of XXXX at around XXXX, my cash app account sent me a notification that my direct deposit had been deposited into my cash app account. I then changed my debit card that was linked to my account to another card. When I did that I got another notification that my account was locked. Tried to chat with cash app but the app informed me that I needed to call within business hours due to the fact that it was already after XXXX. The following day went through the app again and talked to someone in customer service and was informed that my account was locked down but couldnt provide any information as to why it was locked down and for how long it would be locked. Cash app customer service stated that my case would be expedited and that I would be receiving an email from them shortly. Its has been already a week yesterday since they locked my account. I have called and chatted with cash app everyday and still get the same answer. That I will receive an email. They wont let me talk to any supervisor or anyone in charge about my account. Ive requested their email but I was told they dont have an email to give me but they keep saying thats their main source of communication. I am lost on what to do. I thought it was safe to deposit my check to cash app and now here I am with no way to get access to my money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting 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: LA

Complaint narrative:
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  Experian & XXXX has not responded to the previous dispute within 30 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 2024-08-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: IL

Complaint narrative:
In XX/XX/XXXX Jefferson Capital LL or Jefferson Capital System depending on the credit report used opened a collection account for the creditor XXXX. I have never to this day had any form of communication with the collector. I had medical debt when I was younger and a doctor informed me of the important of not having contact with collectors as that would allow the collector to reset the statue of limitations. This same collector has illegally reset the time as they are now reporting the account was opened in XX/XX/XXXX over a three year difference. This reset without any contact from my behalf is against FDCPA. I am asking this debt collector is investigated and my because of the clear violation of FDCPA that the debt be removed from my credit report altogether as this debt collector can not be trusted to follow regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 


Account Name : 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 2024-08-23 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXXXXXX XXXX amount {$4600.00XXXX XXXX XXXX XXXX XXXX XXXX {$730.00} XXXX amount {$850.00} XXXXXXXX XXXX  {$710.00} XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$890.00} Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that from an alleged identity theft, not later than 4 business day after the date of receipt.

Under 15 U.S. Code 1681e ( b ) And 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts has violated my right.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy pursuant to 15 USC 1681 section 604 A section 2 : Its also states a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above.You are required to do what i am asking and block these transactions from being reported to my consumer report Within 4 DAYS from the date of the receipt of above notice. I LOOK FORWARD TO YOUR RESPONSE.

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