vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-14 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: GA

Complaint narrative:
I am writing to request a re-investigation based on new evidence of updates regarding a XXXX XXXX XXXXXXXX XXXX  account reported on my TransUnion credit report with a balance of {$1200.00}. The account is listed as closed and reported as a charge-off, and the recent updates to this account raise concerns about its accuracy. Specifically, I am concerned about the inconsistency of reporting a charge-off status while still reflecting an outstanding balance. If the account has been charged off, it raises questions about why a balance is still being reported. Additionally, I am challenging the accuracy of other details, such as the payment history, payment status, last payment date, and monthly payment amount. These discrepancies introduced by the recent updates are negatively impacting my credit score, and I am requesting a thorough re-investigation to ensure all details are accurate and complete. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to request a re-investigation of any disputed information. I ask that TransUnion conduct a thorough re-investigation of this XXXX XXXX XXXX XXXX account to verify the accuracy of all details. If TransUnion decides to maintain this account on my credit report, I request a detailed explanation of the procedures used to verify the accounts accuracy, as required by FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), and include any supporting documentation from XXXX XXXX XXXX XXXX, such as payment history and account statements. If the information can not be verified or corrected to accurately reflect my account history, I request that the account be removed entirely from my credit report. Thank you for your prompt attention to this matter, and I look forward to your response within the 30-day period as required by the FCRA.

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 2024-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Avant Holding Company, Inc.
State: NV

Complaint narrative:
I was offered a payment deferment with no negative reporting to the credit bureau. I accepted the promotion and received confirmation, which I have attached. I then received an email saying I was past due. I called Avant and they advised me I was past due. I asked why since I was enrolled in this particular promotion and they could not answer. I was transferred to another department who never came to the line. They have now reported the account past due to my bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX # XXXX DATE OPENED XX/XX/XXXX XXXX  XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$220.00} XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX - BALANCE {$30000.00} XXXX XXXX XXXX  # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$3200.00} XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX - BALANCE {$450.00} XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX - BALANCE {$3700.00} XXXX XXXX  XXXX XXXX DATE OPENED XXXX BALANCE {$720.00} XXXX XXXX  # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$670.00} XXXX  # XXXX XXXX OPENED XX/XX/XXXX - BALANCE {$3000.00} XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$500.00} XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$1100.00} XXXX  XXXX # XXXX DATE OPENED XXXX BALANCE {$500.00} Unauthorized inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$1600.00} XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$1800.00} XXXX XXXX XXXX # XXXX DATE OPENED XXXX BALANCE {$6000.00} XXXX  XXXX # XXXX DATE OPENED XXXX BALANCE {$410.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
15 U.S. Code 1692g - Validation of Debts 1. Please provide a detail list of history of payments made by me on this account.

2. Please provide my signature that I put on a contract guaranteeing that I would pay this creditor.

3. Have any insurance claims been filed on this debt.

4. I want Proof you have chain of title to collect on this debt.

still reporting all this incorrect accounts on my credit report have over XXXX credit inquiries in im XXXX XXXX XXXX XXXX that need this removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I wrote to Midland Credit Management ( XXXX XXXX XXXX XXXX XXXX ) " requesting validation, made pursuant to the Fair Debt Collection Practices Act ( FDCPA ) ( section 1692g ) and the Fair Credit Reporting Act, along with XXXX XXXX XXXX Administrative Code ( section 20-493.2 ). XXXX XXXX XXXX regulations require all debt collectors to send specific written documentation validating the debt. Under section 2-190 of the Rules of the XXXX XXXX XXXX XXXX , validation requires all of the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge. '' I received a reply from MCM on XX/XX/XXXX stating " We are uncertain of what you are exactly disputing '' and a request for a " written explanation and documentation demonstrating any errors ''. They further state that the information is accurate because XXXX XXXX says so, basically. 

In summary, they totally disregarded my itemized list of requests, violated the above mentioned Federal, State and City laws and are in contempt of the Court Order of XX/XX/XXXX that they are " restrained and enjoined from engaging in any legal collection without providing the Consumer with certain information about the Debt ... [ namely ] a document signed by the Consumer evidencing the opening of the account forming the basis of the Debt ... " within 30 days '' of a request ''. 

On XX/XX/XXXX, I proceeded to reply to MCM reminding them of the laws that they were in violation of by not supplying me with documents signed by me validating the debt and a description of their verification procedure used to determine the completeness and accuracy of their reporting.

I received a reply from MCM on XX/XX/XXXX, stating " We have received ... from you credit reporting inaccuracies exist for the account '' and a request for " written explanation and documentation demonstrating any errors ''. They also double down that the information provided by XXXX XXXX is sufficient for them to " conclude that our information is accurate ... [ and ] has been accurately submitted to credit reporting agencies ''.

This appears to be gross negligence and disregard for the law, for affected consumers like myself nationwide and for the judicial process and The US District Court Southern District of CA. If they are unwilling to cooperate, hopefully the CFPB, US Attorney General and the XXXX Dept of Consumer and Worker Protection can induce a correction of their behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently submitted a complaint here about TransUnions MISMANAGEMENT OF FROZEN ACCOUNTS. Their response was knowingly deceptive. I can not unfreeze my account online - this has been the case for several years. TransUnion is aware that this is occurring for a LARGE NUMBER OF CONSUMERS but offers no definitive explanation. I see documentation on this website that they have been investigated for this at the federal level. Yet, they continue to mismanage our accounts at the detriment of individual consumers who did not choose to do business with them. Their solution offered was that I should call to unfreeze my credit report but calls get dropped when we attempt to unfreeze by phone. So, now you CAN NOT UNFREEZE ONLINE OR VIA PHONE - this is unacceptable. The items in caps are the main issue I want Transunion to fix. Unfreeze by mail is not an acceptable or reasonable option. I do NOT have this issue with XXXX or 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 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On or around XX/XX/year>, my checking accounts was restricted, and I had no access to my accounts, and I was told that I need to submit identity verification, to being told I had 2 profiles in which I do not. I submitted appeals and no response from those appeals.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: NC

Complaint narrative:
On XX/XX/XXXX I opened an account with Aspire Credit Card ending in XXXX, 12 months later I noticed an annual fee of {$49.00} and called and canceled the card on XX/XX/XXXX and was told I would still be charged the {$12.00} fee per month until the account was paid off. I checked my account today and noticed they have charged me a {$49.00} annual fee for the last three years on a " Closed Account '' on top of the {$12.00} per month. This is a total rip-off to charge an annual fee on a closed account. I demand the last three years ' annual fees be credited back to my account. This is an outrage to charge someone these types of fees on a closed account that is not being used.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: NM

Complaint narrative:
My name is XXXX XXXX. I have an online savings account with Marcus by Goldman Sachs. About a year ago I suffered a XXXX. My daughter, XXXX XXXX, has p.o.a. over my affairs. We have submitted to them, 2 notarized copies of ours as well as 2 of theirs that they sent us. We never received any response from them. This process started in XX/XX/year>. In XXXX I felt I had recovered enough to try a more direct approach by calling them. Both my daughter and I spoke with XXXX. After successfully answering their security questions I requested that my account be closed and the funds be transfered to to my local bank account. They have that account on file and it is the account that funds were transfered from originally. We we told the transfer would be done in within 1 business day. It didn't happen. However we were able to access his account finally and get a current balance. After that we were able to access his account online and on XXXX XXXX we tried to do a transfer on line. After several tries it said we need to call. This time I spoke to XXXX (? ). I had difficulty hearing and understanding him but was able to give the last 4 of SSN, birth date plus former and current addresses. After about a hour on the phone my daughter intervened and asked to speak with a supervisor. This time we were given to XXXX, where we once again explained the situation and asked what it would take to get access to my funds. She said the needed to do an identity verification and gave us a case number and somebody would be calling. Nobody has called. I understand in this day and age the importance of security but we have met all that criteria. My XXXX  is suffering because of this situation and I'm concerned that I will not be able to enjoy my life savings! All I'm asking is for the money to be transfered back to my bank account that it came from originally. I appreciate any help you can give.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: CLGF Holdco 1, LLC
State: SC

Complaint narrative:
hard inquires Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-14 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: DreamSpring
State: FL

Complaint narrative:
I contacted the following companies regarding the unauthorized inquiries that are currently being reported on my credit report and asked for them to be removed. According to the FCRA these unauthorized and unverified accounts must be removed. They denied my request and ended the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: GA

Complaint narrative:
I am writing to request a reinvestigation of a collection account listed on my TransUnion credit report. The account is reported by XXXX XXXX XXXX under reference number XXXX, amounting to {$1400.00}, and reported on XX/XX/2024. I dispute this account because I have no contractual agreement with XXXX XXXX XXXX, nor have I received any verification of the debt or assignment transfer contract that legally authorizes them to collect this debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request validation of this debt. Despite this, no validation has been provided, and XXXX XXXX XXXX has failed to produce documentation establishing its legal authority to collect on this alleged debt. Additionally, according to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, it is unlawful to report inaccurate or unverified information on my credit report. The absence of a signed contract, valid assignment, or verification confirms that this collection account is both inaccurate and unverifiable. I request that TransUnion immediately delete this collection account from my credit report due to its inaccurate and unverifiable nature. If TransUnion chooses to maintain this account on my report, please provide me with copies of all documents used to verify the account 's accuracy, including any contracts or agreements bearing my signature and proof of the assignment or transfer of the debt to XXXX XXXX XXXX. Please note that under the FCRA, you are required to conduct a reasonable reinvestigation of my dispute and provide a response within 30 days. Failure to comply with federal regulations may result in me taking further action to protect my rights. I trust that TransUnion will handle this matter promptly and in accordance with all applicable laws. Please confirm that this account has been removed from my credit report or provide the requested documentation verifying its accuracy. Thank you for your immediate attention to this matter.

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 2024-09-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
NAVIENT Original XXXX XXXX Application submitted XX/XX/XXXX Account Number : XXXX I applied for XXXX XXXX repayment, XXXX XXXX XXXX with Navient after I was deemed XXXX XXXX by Social Security for a XXXX XXXX XXXX. Navient sent me a XXXX XXXX form in XXXX and my XXXX  completed the form thoroughly, through " XXXX. '' I received a confirmation that my form was received ( which I have saved. ) I submitted this XXXX XXXX XXXX XXXX XXXX XXXX  form several times in XXXX and XXXX after they claimed that they " didn't see it, '' on my account. Then I was told that I had to be XXXX for at least 5 years in order to qualify, which I did meet because in XXXX I had been XXXX for 6 years. 

I also called several times during the years and requested an update and I was told by Navient repeatedly that it was " in process. '' I was also told that I also had to complete my Income Repayment form as requested, then my XXXX XXXX XXXX XXXX XXXX XXXX would take effect ; however, that NEVER happened and I was given the run around. I was lied to and told it was still in process, which is still pending 10 years later and I am still XXXX XXXX, and have been for a total of 16 years. I did my part and followed Navient 's process. 

After Biden was elected there were loan forgiveness programs for XXXX, I called them and again I was told that I did not have to do anything because it was already in process. I have yet to hear back from Navient. It has been 10 years of credit impacting, I couldn't get an equity line of credit after a few attempts throughout these years because of my existing student loan. I had to file for bankruptcy in XXXX because I could not access my home 's equity to pay for medical bills and debts.

I feel this is dishonest and needs to be investigated. I just read that CFPB was able to finally hold Navient accountable and I wish to be included in the lawsuit against them for this exact reason. I feel they took advantage of the XXXX who are vulnerable to unfair credit practices. 

Thank you so much for your time.

Company response to consumer: Closed with explanation