vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-22 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:
This is regarding CFPB complaint XXXX. Due to be XXXX XXXX negligence and incorrect reporting in accordance with FCRA regulations, I have moved forward with getting an attorney to sue your company. Your response to the aforementioned complaint was that you sold the account and then repurchased it due to it being out of the statute of limitations according to the third-party vendor. The complaint in itself was to make you aware that it was obvious that this debt is uncollectible due to the statute of limitations, and you still have a balance of {$1100.00} reporting on a closed account that has been uncollectible since XXXX. In your complaint you stated that in XXXX, the account was recalled. Even still, the statute of limitations is 4 years in the state of Texas, and you are still reporting inaccurate data and trying to collect this alleged debt. This complaint is to make your CEO/VP aware that I will be seeking litigation due to your clear and obvious gross misconduct. Furthermore, there was never notice sent to me years ago that this account was being sold. I never received a 1099c form which is illegal, and I was informed be the IRS to file form 3949a for illegal tax violations. The following account XXXX should be removed from my credit report IMMEDIATELY. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617 and I will be moving forward with the filing of form 3949a as advised.

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 2024-01-22 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: IL

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: MA

Complaint narrative:
Erroneous items on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: DE

Complaint narrative:
loan serviced by Mohela - late XXXX - amount of repayment amount is too high for my current income level {$440.00} - submitted recertification for income-driven repayment plan on XX/XX/XXXX - email message from Mohela on XX/XX/XXXX, subject " Correspondence Processing Delay '', stating that the recent request had been received and is expected to be processed within the next 10 business days.

- I sent the following message within the Mohela site on XX/XX/XXXX : " I submitted an application to be considered/recalculated repayment through the SAVE program in XXXX for lower payments than what I am currently expected to pay. The status of the application on my end appears to be " processing. '' I have since received a notification that my next payment will be due within the next two weeks. What are my options for submitting lower payments, while I wait for my application to be processed? Thank you. '' - paid {$440.00} on XX/XX/XXXX - submitted recertification for income-driven repayment plan on XX/XX/XXXX - called Mohela on XX/XX/XXXX to get movement on processing of recertification ; still no response to my message from XX/XX/XXXX ; awaiting call back from Mohela after being on hold 40 minutes

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Credit Collection Services has been harassing me via text and mail in regard to a debt that I do not owe them. 
I have never opened an account with them and do not owe them anything. 
The collection is in the amount of {$710.00}. 
I have requested a debt validation letter requesting the payment address if the original creditor. I requested the Original Signed Contract between me and the original creditor. I requested a full payment history of the account " Not a copy of 1 Statement ''. I requested proof of ownership, assignment, authority to collect, license to collect and license to collect in my state of Texas. 
I have not received any of those items. 
I never entered into a contract with Credit Collections Services. 
I have not received any of the items requested. 
They sent threating letters stating they are going to report adverse credit information to the credit bureaus.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I have a loan with this company and it is the worst loan I ever gotten. It is a title loan and I only XXXX or more with fees and interest. I got one or maybe two months behind because of me being off work for XXXX, yet now I am current. When I asked for one payment to be put on the end of loan I was denied. I received several disturbing phone calls more than three to four times daily, not respecting me or my work hours, being that I work starting at XXXX in the mornings. The messages are aggressive and mean. I was also a victim of debit card theft and it took me a minute to straighten out my bank account. I am thriving to get my title back, so I can remove myself from them calling my phone number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: CA

Complaint narrative:
My information was sold and brought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 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: Rosebud Economic Development Corporation
State: TX

Complaint narrative:
Denied credit through My Quick Wallet app and was denied!

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 2024-01-23 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: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX Balance : {$9.00} XXXX XXXX XXXXXXXX Balance : {$53.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX Balance XXXX {$39.00} XXXX XXXX Balance : {$11.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX Balance : {$16000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$720.00} 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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX was paid in full and refuses to remove me from the credit report they were not only paid they made between XXXX to {$3000.00} in interest and agreed to the settlement I want them to remove the negative from the current 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
Consumer complaint received 2024-01-22 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: IL

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it 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 2024-01-22 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: Westcreek Financial
State: FL

Complaint narrative:
Identity Theft and Financial Fraud Report I, XXXX XXXX XXXX XXXX, residing at XXXX XXXX XXXX XXXX FL, XXXX, wish to file a report regarding a case of identity theft and financial fraud that occurred on XX/XX/2023. A credit of {$5300.00} has been requested with Koalafi without my consent. The transaction is associated with the XXXX XXXX XXXX XXXX store at XXXX XXXX We need an itemized list of every fraudulent transaction Please upload your spreadsheet of fraudulent transactions. Be sure to include : date, amount charged, merchant name, and any other details about the transaction. 
Please list all the fraudulent transactions. 
Are you filing this report for documentation purposes only? Are you willing to testify in court and prosecute criminally? 
Tell us about your business Business name Business address Business phone number What is your title/role at the business? 
XXXX XXXX, XXXX, FL XXXX, where I have never been. Attached, you will find relevant documentation, including information provided by the financing company. I am willing to fully cooperate in any necessary investigation. I appreciate your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: Grain Technology, Inc.
State: MA

Complaint narrative:
My information being reported is erroneous and needs to be corrected. I have a lot of my consumer rights violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: Higher Education Servicing Corporation, Inc.
State: MA

Complaint narrative:
My information being reported is erroneous and needs to be corrected. I have a lot of my consumer rights violated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: MI

Complaint narrative:
XX/XX/XXXX Ive never authorized nor gave consent to the companies in collections to have my information.

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 2024-01-22 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive never authorized nor gave consent to the companies in collections to have my information.

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 2024-01-22 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: DC

Complaint narrative:
Equifax data breach victim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: CA

Complaint narrative:
I received emails from the company Chime on XX/XX/year>XXXX  that an account was opened with my email and that I am one step away from completing my account before a credit card would be mailed to me. I called Chime on XX/XX/year>XXXX  and spoke to someone from their fraud department. They asked me to verify my identity and confirmed an account had been opened with my personal email. They then told me that they would close the account. While on the call with the fraud department I received another email stating a direct deposit had been opened with a checking and routing number. A few minutes after the fraud department cancelled the account I received yet another email that the account 's email had been updated to my email with 3 additional numerical digits added. I called Chime 's fraud department back on XXXX/XXXX/204 to see if the account was still opened, which they confirmed it was. I requested the account be close immediately and to confirm what information had been used to open the account. They stated they can not disclose that information and will be sending me another email from their surveillance team on how I can receive this information, but have yet to receive this email.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I am not liable and refuse to pay this debt with XXXX XXXX, I have no contract with Portfolio Recovery Associates in regards to account # XXXX. The information on my credit report is inaccurate and I demand that it be investigated and removed immediately to avoid further legal actions against all parties involved. Thanks in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 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: MO

Complaint narrative:
I mailed certified letters to XXXX, XXXX, and Transunion stating that the information that they are reporting is not accurate and the information that they are reporting is error. Like my Name, Address, Late Payments, and Closed accounts, the consumer reporting agencies said that the accounts were accurate. the law says 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.ALSO 15 U.S Code 1681a ( 5 ) ( A ) ( i ) ( ii ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) 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.

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