vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am complaining about the way two closed federal student loans are being reported to credit reporting agencies. The accounts shows up as being from from : US DEPARTMENT OF EDUCATION, XXXX XXXX XXXX, XXXX, TX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) The account numbers are XXXX ( Equifax shows this as account XXXX ) and XXXX ( Equifax account XXXX ). Here is a history of the loans : They were in default prior to XX/XX/XXXX. In XX/XX/XXXX I applied for consolidation through XXXX XXXX and this removed them from default by XX/XX/XXXX. The loans were paid in full by consolidation. The debt was then purchased/transferred to XXXX and XXXX XX/XX/XXXX the loans were discharged ( forgiven ) after I qualified for the Biden administration 's Income Driven Repayment ( IDR ) adjustment. 

The issue I have is that during the CARES Act ( Pub. L. 116136 ) pandemic student loan pause, the U.S. Department of Ed had reported the loans as delinquent to credit reporting agencies, even though no payment was due, and loans were not subject to collection. See : https : //studentaid.gov/announcements-events/covid-19 ( " Because of the COVID-19 emergency, we stopped collections for eligible defaulted loans. '' ) However, my Equifax credit report is showing the loans as 120 days past due for the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX The loans show up as being in collection during the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I had filed a dispute with Equifax, and in result they reported " THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE PRIOR PAYING HISTORY IS BEING REPORTED CORRECTLY. '' Thus, I believe that the U.S. Department of Education is incorrectly reporting the history of my loans to consumer credit reporting agencies. Short of a lawsuit, I do not know how to get Ed to correct what they report. 

Federal law prohibited collection of federally-held loans during the pandemic, yet Ed is reporting their loans as being " in collection '' during this period. Subject to the Fresh Start Initiative, the Department of Ed promised not report defaulted loans as in collections anymore. See : https : //studentaid.gov/announcements-events/default-fresh-start ( " Starting in XX/XX/XXXX, we began reporting defaulted loans held by ED as 'current ' rather than 'in collections ' to credit reporting agencies. '' ) This has not happened in my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2023 I sent a letter to the credit bureau. The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, demands that they provide actual proof the information was verified, not a computer generated confirmation. They never provided : 1. The names and business addresses of each individual with whom they verified the information with above, so that I may follow up. 2. The date they contacted the individual furnishers of information. 3. The method of communication they used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. I was never given this information Bureau ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

1. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX 2. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 
3. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
4. Validate Account XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
5. Validate Account XXXX XXXX Account XXXX : XXXX Please supply information on how you have verified this item.

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 2023-09-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Regional Management Corporation
State: SC

Complaint narrative:
We noticed on our credit reports that the information pertaining to the loan was incorrect. Payments had no been reported since XXXX of 2022 and our balance wasn't changing. Reached out to local and corporate branch and they insisted that they were reporting it sine we had never missed a payment. They balance over the phone was almost XXXX less than what is showing on credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: FL

Complaint narrative:
I am writing to bring to your attention a matter of grave concern related to my recent investigation of my credit report. The findings of this investigation have not only caused me severe distress but have also revealed multiple unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were reported with utmost accuracy. 

As stipulated by the Fair Credit Reporting Act, it is imperative that every detail on my credit report is reported with complete precision. This requirement is underlined in 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which clearly outline the necessity for accounts to be reported with absolute accuracy. Regrettably, the credit reporting agencies involved in this matter have stated that these accounts are, indeed, in violation of the aforementioned regulations by not being reported with 100 % accuracy. 

This situation has not only adversely affected my financial standing but has also had a significant impact on my emotional well-being. I am writing to request a thorough investigation into these inaccuracies and violations of federal law, as well as immediate corrective action to rectify my credit report. 

I appreciate your prompt attention to this matter and look forward to a swift resolution in accordance with the Fair Credit Reporting Act.

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 2023-09-27 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: FL

Complaint narrative:
I am writing to bring to your attention a matter of grave concern related to my recent investigation of my credit report. The findings of this investigation have not only caused me severe distress but have also revealed multiple unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were reported with utmost accuracy. 

As stipulated by the Fair Credit Reporting Act, it is imperative that every detail on my credit report is reported with complete precision. This requirement is underlined in 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which clearly outline the necessity for accounts to be reported with absolute accuracy. Regrettably, the credit reporting agencies involved in this matter have stated that these accounts are, indeed, in violation of the aforementioned regulations by not being reported with 100 % accuracy. 

This situation has not only adversely affected my financial standing but has also had a significant impact on my emotional well-being. I am writing to request a thorough investigation into these inaccuracies and violations of federal law, as well as immediate corrective action to rectify my credit report. 

I appreciate your prompt attention to this matter and look forward to a swift resolution in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 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: GA

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-09-27 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: KY

Complaint narrative:
I sent certified letter requesting under 15 usc 1681c-2 block of information from identity theft. that the accounts they are reporting on my consumer report are not mine and result of identity theft. inresponse they sent back letter stated they were verified and where mine, if so required by FCRA they are by law to verify that its mine they are to have a verified contract with my wet signature on file that proves its in fact that they are my accounts and to show me by law how and what procedure was used who in their company verifed these, where is the verifed documents and if they can not provide such proof it must be deleted. 

please see attached documents required by law by me the comsumer to have these accounts deleted from my credit report Accounts to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 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: KY

Complaint narrative:
I sent certified letter requesting under 15 usc 1681c-2 block of information from identity theft. that the accounts they are reporting on my consumer report are not mine and result of identity theft. inresponse they sent back letter stated they were verified and where mine, if so required by FCRA they are by law to verify that its mine they are to have a verified contract with my wet signature on file that proves its in fact that they are my accounts and to show me by law how and what procedure was used who in their company verifed these, where is the verifed documents and if they can not provide such proof it must be deleted. 

please see attached documents required by law by me the comsumer to have these accounts deleted from my credit report Accounts to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-27 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: FL

Complaint narrative:
Im writing to your company to report XXXX, XXXX and Transunion on the bases that they are furnishing incorrect information on my report and to complete the dispute process. Im demanding that the following information be deleted from my credit report as referenced in The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( b ) ( i ) ( c- ) ( f ) ( FCRA ). These items were supposed to be deleted no LESS than 4 days after my intial dispute due to their origin in nature ( Identity Theft as stated in US Code 1681 c-2 ). As stated in US Code 16819 ( i ), as investigation must be done to prove the validity of the accuracy of information being reported which has not been done/ The items I need deleted have been listed in the form of a letter sent to all three credit reporting services as of XX/XX/XXXX and again on XX/XX/XXXX. I am a victim of identity theft because I did not authorize these charges or accounts and they have been furnished on my report without my consent or knowledge. I did not make these unauthorized charges or open these fraudulent accounts. I ask that the items be deleted to correct my credit report. I would appreciate it if you deleted these items immediately as it is incorrect and thus hindering me from utilizing my own credit to afford essential expenses for myself and my family. This issue is frustrating and I just ask that I can be assisted in any way to help my situation.

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 2023-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
Wrongful foreclosure banks committed fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
a representative from the XXXX XXXX called several times over the last 6 months or so. They claim I owe debt to wells fargo, they have my social security number and previous addresses. they claim the debt to be XXXX XXXX XXXX XXXX  it does not exist. they will not send me information about the debt and are threatening law suits and bank seizures.

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 2023-09-27 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: FL

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 XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

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 an 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-27 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: Paypal Holdings, Inc
State: LA

Complaint narrative:
On XX/XX/2023 my Paypal issued debit card was stolen along with the pin number. Several charges that were not authorized by me had shown up after this totaling over {$1000.00}. After following the online dispute process provided by paypal they permanently disabled my account, without replacing my debit card. I am told my funds will be locked by paypal and I can not obtain my funds for 180 days. This is a violation of the law, evident also by the class action lawsuit currently taking place against Paypal for these exact situations. I request my account be unlocked and my disputed unauthorized moneys be returned to me by Paypal immediately, or I will be forced to take legal action for compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: MA

Complaint narrative:
Hello, I have been trying to eliminate incorrect information from my credit for some time and it has been very difficult for me, I have tried many ways and nothing has helped me, please verify all this information and if it is not mine, please delete! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
I was a XXXX XXXX XXXX customer I ended my relationship with XXXX on XXXX of XXXX I was told over the phone after I paid the rest of my balance that I did not owe any money then they wanted me to pay the whole premium for the next 6 months I declined and decided to go with another insurance company but again my balance on that call was paid in full. I received a letter of XX/XX/XXXX about a payment owed and they would cancel my policy which I assumed was in error as my policy was already canceled back in XXXX and I owed no money. After the 2nd letter I decided to email XXXX because I was confused because I didnt owe any money they said it was a payment from XXXX of XXXX. Which was odd since it was a year later since I made that payment and again my policy was paid satisfactory at the end of the premium. I would like to have it on record that I do not owe the money as I had paid the amount. After on email telling them that I was not going to pay another dime towards their company as it was already paid and not to contact me again the company sent it to the credit company credit collection services. I received a letter today regarding it and they threatened to send it to my credit report after I had informed the person of this situation in attempt to dispute it. I also wrote a letter to dispute it as I do not owe the money they are referring to. The reference number is XXXX their phone number is XXXX XXXX XXXX address to creditor is XXXX XXXX XXXX XXXXXXXX XXXX XXXX Their email is XXXX I would again thank your for your time looking into the matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I have contacted XXXX XXXX due to a collection account on my credit reports. I did not have a XXXX account, i informed ic system that this is a fraud matter and they refuse to remove it from my credit reports.

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