vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I have been getting numerous late payment fees even though you can clearly see in my payment history that I have paid OVER the amount due. I am now paying for late fees that are invalid. I can not speak to anyone because the customer service phone number doesn't work. I honestly feel like they are being shady and not following proper protocols. 

When calling their customer service the robotic AI fails every single time no matter what options I pick and XXXX XXXX 'm sorry I'm having difficulties visit our website for information ' and hangs up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: MI

Complaint narrative:
After reviewing my TransUnion, XXXX and XXXX credit reports, I have identified some inaccurate late payments that needs reporting and correction through your company. Please see attachments below.

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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
After reviewing my XXXX, Experian and XXXX credit reports, I have identified some inaccurate late payments that needs reporting and correction through your company. Please see attachments below.

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 2024-04-16 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:
SEE ATTACHED XXXX AND CEASE & DESIST DEMAND FOR DELETION

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 2024-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: NV

Complaint narrative:
XX/XX/2022 {$990.00} Spring Oaks Capital LLC Company never reached out. I never received any letters. I saw this on my Credit Report when trying to get an apartment. I don't know where this came from

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: PA

Complaint narrative:
After reviewing my XXXX, XXXX and Equifax credit reports, I have identified some inaccurate late payments that needs reporting and correction through your company. Please see attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
XXXX not aware of the student loan someone stole my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: CL Holdings LLC
State: FL

Complaint narrative:
Please see attached as i have been a victim of identity theft, I've sent many letters and ftc reports with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I looked at my report. I sent a letter to experian, XXXX, XXXX on XXXX asking them to reinvestigate these accounts : elan fin XXXX status XX/XX/2023 balance XXXX recent payment XXXX  monthly payment XXXX, high balance XXXX, and XXXX XXXX status update XX/XX/XXXX, past due XXXX, highest balance XXXX monthly payment XXXX they sent me their investigation and said these accounts are complete and accurate. I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Experian really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case

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 2024-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/year> I paid my XXXX mortgage payment with a cashier 's check for the full monthly payment at the Truist branch location in XXXX, MD on XXXX XXXX. Their receipt shows a post date ( PD ) of XX/XX/year> and a check date of XX/XX/year> ( CD ). Regardless, today, XX/XX/year>, I received a phone call from Truist Collections to make arrangements for my late mortgage payment. The gentleman explained to me any time after the XXXX of the month they can put the account in collections. 
I paid with a cashier 's check ; there should be no delay. Their account statement says payments received after the XXXX will be hit with a late fee. There is no way this should be in collections. It appears as though they are intentionally trying to put people in collections.

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 2024-04-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: MD

Complaint narrative:
See attached demand letter ; and police report of notice of ID Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: LA

Complaint narrative:
On XXXX 2023 I disputed this incorrect inaccurate information. According to 15 USC 15 USC 1681 eb / E ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates consumer reporting agency. I have attached documents as proof of XXXX, XXXX and XXXX XXXX violation of 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 2024-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I was on a promotional period agreement with care credit. The account was paid as agreed over XXXX  months. In the final month, I was told that there were some fees I also had to pay, which was an additional XXXX dollars. Before making my final payment at agreed, I was told that the fees will be waived and I would only have to make my final payment, plus XXXX payment on a late fee, which I did on XX/XX/23 and XX/XX/23. Both payments posted. However, on XX/XX/23 I incurred what they call a deferred interest of XXXX. I was told that it was due to the XXXX dollars of fees, even after I was told they were waived. However, the fees are separate from the loan agreement and do not extend the lifespan of the loan. I can pay the XXXX fees, and be done with care credit. However I do not accept XXXX, plus XXXX still being charged late fees, even after I asked them to close the account. They are also illegally updating the balance to a closed acccount, which is terms for deletion off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-16 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: FL

Complaint narrative:
THIS IS THE XXXX  TIMES REQUESTING THIS FRAUD ACCOUNT DELETE FROM MY CREDIT REPORT BY LAW. 


THIS XXXX BANK CHARGED-OFF ACCOUNT WITH A BALANCE OF {$1300.00} IS FRAUD AND SHALL DELETE FROM MY CREDIT REPORT BY LAW. 

I NEVER OPENED THIS FRAUD ACCOUNT AND NEVER LIVED AT THIS ADDRESS ON FILE FOR THIS CARD. 

DELETE THIS INACCURATE FRAUD COLLECTION CHARGED-OFF 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 2024-04-16 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:
My student loans were transferred to XXXX from XXXX on XX/XX/2023, and subsequently forgiven. XXXX is reporting that my loans are current, but that I have a balance. When I check on both XXXX and XXXX 's websites, I see a XXXX balance.s. I'd like to have my credit reports accurately reflect the XXXX balance of my loans.

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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My student loans were transferred to XXXX from XXXX on XX/XX/2023, and subsequently forgiven. XXXX is reporting that my loans are current, but that I have a balance. When I check on both XXXX and XXXX 's websites, I see a XXXX balance.s. I'd like to have my credit reports accurately reflect the XXXX balance of my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My student loans were transferred to XXXX from XXXX on XX/XX/2023, and subsequently forgiven. XXXX is reporting that my loans are current, but that I have a balance. When I check on both XXXX and XXXX 's websites, I see a XXXX balance.s. I'd like to have my credit reports accurately reflect the XXXX balance of my loans.

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 2024-04-16 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: NJ

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
On XX/XX/2024 I spoke to Mohela about my Loan XXXX being paid in full but still showing I owed XXXX cents and my payment was overdue yet the balance said - {$0.00}. The representative told me not to worry about it and that it was paid in full. Today, XX/XX/XXXX, the balance is now 31 days late and showing a balance of {$0.00} on a loan I PAID OFF between XXXX XXXX. Here are the screenshots to prove the loan is paid off according to correspondence from Mohela as well as my payoff of {$0.00}, just to cover my XXXX in case Mohela sent it to credit bureaus. Fix this NOW.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I am writing to formally dispute an erroneous collection entry reported on my credit report by Transworld Systems XXXX and to request its immediate removal to preserve the accuracy and integrity of my financial records. 

Upon reviewing my credit report from XXXX on XX/XX/2024, I noticed an unrecognized debt collection entry linked to Transworld Systems Inc. I have never engaged in any transaction that would justify this debt, nor have I received any communication from Transworld Systems regarding an outstanding obligation. 

My initial attempt to resolve this issue involved disputing the entry directly with XXXX on XX/XX/2024. Despite my dispute, Transworld Systems maintained that the debt was valid. Subsequently, I contacted Transworld Systems directly on XX/XX/2024 to inquire about the nature of the alleged debt. During this conversation, representatives from Transworld Systems could not provide any details regarding the origin or the substance of the debt. Moreover, they confirmed that they had never previously contacted me via mail, email, or phone concerning this debt. Additionally, I was not informed of my right to dispute this debta fundamental violation of the Fair Debt Collection Practices Act. 

Given these circumstances, it is clear that this debt does not belong on my credit report. The lack of substantiation of the debt and the failure to communicate any such debt to me prior to reporting it are grossly unfair practices. These inaccuracies are not only damaging my XXXX XXXX but are also causing significant personal distress and potential financial harm. 

Therefore, I am requesting the intervention of the Consumer Financial Protection Bureau to facilitate the prompt removal of this inaccurate collection entry from my credit report. I don't have any documentation from Transworld systems regarding this, as they have NEVER contacted me regarding this debt, but have XXXX cases with XXXX regarding this dispute ( XXXX & XXXX ) I appreciate your immediate attention to this matter and look forward to your swift response to correct this significant error on my credit report. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC

Complaint narrative:
I was affected by XXXX and the XXXX at XXXX XXXX  apartments wasn't taking the XXXX funding from the government to help with back rent that was owed due to 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 2024-04-16 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 rights have been violated. I didnt give these companies consent or written permission to report in accordance to 5 USC 1681b.They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in XXXX days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. see attachments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: TX

Complaint narrative:
My rights have been violated. I didnt give these companies consent or written permission to report in accordance to 5 USC 1681b.They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in XXXX  days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. see attachments

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 2024-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: SELECT PORTFOLIO SERVICING, INC.
State: NM

Complaint narrative:
I have a new servicer. The servicer is trying to gouge me with extra charges to make a payment. The automated system does not work. They force me to use a system that charges. I do not want to set up automatic payments because I am living on the edge and can not guarantee payment every month at the same time. I have XXXX and this causes me to XXXX with automatic payments. I asked for the system that makes payments for free. They tell me only the automated system does that, but if it does not work, then I will have to pay, or set up automated payments. They are XXXX  me, and XXXX that they can charge what they want, and I will have to pay, because it is legal to do this. They give me no other option, even though I have XXXX and feel it is too stressful to have automated payments I can not guarantee. I am being gouged. Last month they took XXXX dollars from me. I feel it should be returned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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:
XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Date of Birth : XX/XX/XXXX XX/XX/XXXX CAPITAL XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT Attn CFO : Attn. Chief Compliance XXXX Account # XXXX To Whom It XXXX Concern : I recently received a copy of my Experian, XXXX and XXXX XXXX report, and I noticed some late payments furnished on my consumer report : List of the accounts with late payments along with their account numbers. 

XXXX OPEN LATE PAYEMENTS XXXX CLOSED ACCOUNT LATE PAYMENTS Late payment status reporting inaccurately Update this non metro XXXX compliant account to paid as agreed because the Date Last Active : XXXX XXXX- XXXX XXXX XXXX XXXX reporting inaccurately and XXXX with all three consumer reporting agencies.

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