vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TX

Complaint narrative:
XX/XX/XXXX - I saw Jefferson Capital Systems on my credit report and when I attempted to dispute through XXXX I was routed to XXXX, I see that its on my report as a negative collection but when I attempted to dispute it it shows me that I don't have any Collections on my credit. I need for them to remove the debt from my credit if I have no knowledge of them. 
This is on my credit report : Most Recent Account JEFFERSON CAPITAL SYSTEMS | XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On my VENMO account they have been charging me double for transactions. They take money out for a pending transaction and then they turn around and take it out again, once the transaction is complete. They have been doing this on my account for at least a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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:
I am refilling this complaint to EXPERIAN with report number XXXX for allowing inaccurate and erroneous information on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account still reporting on my credit report and no further actions have been taken. I have refilled this complaint as a proof that I am sincere and focus in having the account corrected accordingly.

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 2024-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RockLoans Holdings LLC
State: PA

Complaint narrative:
I wrote a letter to company requesting them to provide me a 1099-c for a debt they are reporting on my credit report. Since this was written as a LOSS and Irs requires me to submit a 1099-c for any canceled debt which debt qualifies for. I send a certified letter to the company and got no replies from there. and they are still reporting a inaccurate information on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER - XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Service has not yet deleted two collection accounts that are past the Statue of Limitation in the State of Texas, where I reside. I closed the original accounts more than XXXX  years ago. Attached documents show that these inaccuracies were supposed to be deleted from all my credit files by XX/XX/year>. It is past XX/XX/year>.

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

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
On or around XX/XX/XXXX I submitted information to establish a savings account with Synchrony Bank online. On XX/XX/XXXX small deposits and withdrawals were made and verified that I was an account holder at XXXX XXXX and I received an email that the account was approved. On XX/XX/XXXX I transferred funds from XXXX to fund the account. I received a " welcome '' mailing. I then attempted to link another bank account to the Synchrony account to access the funds and was denied access to online use. I have called Synchrony several times and have been told nothing about why I am locked out of my account or how long it will take for them to grant access. I was warned that all attempts to log in and all phone calls asking for clarification are " red flags '' and will delay the process. I was told that XXXX isn't a bank and therefore Synchrony can't accept funds from them, however, I received a statement for the period ending XX/XX/XXXX that shows all of the above activity and interest added but I am still not able to access the account online. I even asked for the funds to be returned to XXXX but that was denied. Today I was on hold for 15 minutes waiting to talk to a supervisor, was told it would be another 20 minutes holding and I should call back when they aren't so busy. At this point Synchrony is keeping my money, won't tell me why or when/if I will get it back. I have not been given any information as to why this delay is happening. Despite sending money from a verified account at XXXX and providing all kinds of information to establish my identity, I am being treated like a scammer, like I am guilty of trying to steal my own money. It really feels like Synchrony Bank intends to steal my money.

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 2024-04-04 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: IL

Complaint narrative:
I ask for my bankruptcy to be deleted off my credit report because public records does not report bankruptcy to the credit bureau

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 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.

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 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Kindly eliminate these inquiries ; I lack any information on them, and the company proceeded without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent. dispute letters to Transunion, XXXX and XXXX to validilate these accounts that thru verifiable proof however, These Companies have neglected to provide the original agreement with my signature as well as they are not following their own policies and responding back within XXXX  days

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

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-04 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-04 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
In summary, I have two complaints regarding deception and overall bad business practices from my student loan servicer, MOHELA XXXX XXXX  XXXX XXXX XXXX XXXX ). Here is the summary : 1 : MOHELA put my loans in forbearance when I had not requested them to be. I had requested a lower monthly payment via the SAVE program.

2 : MOHELA sent me an email lying about some or all of my loans being discharged when in fact none of them were. It was a ploy to send me a message saying that the forbearance they granted me ( which I didn't even ask for ) would only last for 2 months. 

I'll elaborate. 

I can't find the exact date, but last month ( XX/XX/XXXX ) I had requested an income driven repayment plan on my loans. This morning ( XX/XX/XXXX ) I woke up to an email from MOHELA with the tagline " Some or All Loan ( s ) Discharged ''. I couldn't believe it. " Discharged '' would mean " forgiven ''. I immediately became suspicious. I opened the email and looked at the address to make sure it was actually MOHELA and not a phishing scam ( it was MOHELA, the email came from XXXX ). 

The email opened with the following : " The U.S. Department of Education ( ED ) recently determined that some or all of your loan ( s ) will be discharged.

The electronic notification which can be found in your MOHELA account, provides more information. '' I logged into MOHELA to see the message. I checked my inbox and sure enough, there was a message titled " Some or All Loan ( s ) Discharged ''. I clicked the attached pdf which reads as follows : " The deferment or forbearance to postpone payments on the loan ( s ) listed below will end on XX/XX/XXXX. '' The document then showed my list of loans and made no mention of loan discharge or forgiveness. I had no idea I had even been put on forbearance nor did I request it. I looked at my other messages and saw I had one from XX/XX/XXXX titled " Your Forbearance Has Been Approved ''. The attached pdf reads as follows : " MOHELA placed an Administrative Forbearance on your account when processing your Income-Driven Repayment ( IDR ) request. '' The pdf then listed the terms of forbearance. I have attached both PDF 's below. This was the first time I had known I was placed in forbearance and it had nothing to do with loan discharge. 

I am asking you, the Consumer Financial Protection Bureau, to expose these shady and deceptive practices from MOHELA and hold them accountable financially and legally for their lies and deception. Thank you for your time. Please contact me if you need more information.

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

Complaint narrative:
Subject : Notice Of Dispute - XXXX XXXX XXXX To Whom it May Concern, I am writing to express my significant dissatisfaction and concern regarding the handling of the reporting of the account XXXX XXXX XXXX on my credit report. It has recently come to my attention that there are multiple clear violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. As such, I am requesting immediate action to address and rectify these issues. 

I hereby formally request a comprehensive debt validation, which should encompass the following details : Original Contract : I demand a complete copy of the original contract between the purported creditor and myself regarding the account XXXX XXXX XXXX. 
Original Creditor : Please clearly identify the name and contact information of the original creditor linked to this account. 
Original Open Date : Provide the precise date when the account XXXX XXXX XXXX was initially established. 
Date of Last Payment : Specify the exact date of the most recent payment made concerning this account. 
Date Account Was Closed : Indicate the official closure date of the account XXXX XXXX XXXX. 
I am fully aware of my rights under the FCRA, and it is evident that your company has failed to fulfill its obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to address these discrepancies. 

Failure to comply with this request within 15 days from the date of this correspondence will leave me with no choice but to pursue legal action to enforce my rights under the FCRA. Please consider this letter as a formal notice of my intent to proceed accordingly.

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 2024-04-04 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: IL

Complaint narrative:
Subject : Notice Of Dispute - XXXX XXXX XXXX To Whom it May Concern, I am writing to express my significant dissatisfaction and concern regarding the handling of the reporting of the account XXXX XXXX XXXX on my credit report. It has recently come to my attention that there are multiple clear violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. As such, I am requesting immediate action to address and rectify these issues. 

I hereby formally request a comprehensive debt validation, which should encompass the following details : Original Contract : I demand a complete copy of the original contract between the purported creditor and myself regarding the account XXXX XXXX XXXX. 
Original Creditor : Please clearly identify the name and contact information of the original creditor linked to this account. 
Original Open Date : Provide the precise date when the account XXXX XXXX XXXX was initially established. 
Date of Last Payment : Specify the exact date of the most recent payment made concerning this account. 
Date Account Was Closed : Indicate the official closure date of the account XXXX XXXX XXXX. 
I am fully aware of my rights under the FCRA, and it is evident that your company has failed to fulfill its obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to address these discrepancies. 

Failure to comply with this request within 15 days from the date of this correspondence will leave me with no choice but to pursue legal action to enforce my rights under the FCRA. Please consider this letter as a formal notice of my intent to proceed accordingly.

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 2024-04-04 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: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2024-04-04 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: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I am being pursued by Portfolio Recovery Associates regarding an old account charged off by XXXX. 
The account that Portfolio Recovery Associates provides is # XXXX. 
I have reviewed my credit reports today and I see that Portfolio Recovery Associates listed the account incorrectly and alleged the delinquency date as sometime in XX/XX/XXXX not sometime in XX/XX/XXXX as the documents Portfolio Recovery Associates provided me as exhibit A in their court summons reflect. ( Attached ) So the dispute is they have incorrectly reported this debt as new when it is in fact much older and that is verifiable by their own documents provided to me. 
I provided these documents as part of my recent complaint filed on XX/XX/XXXX regarding this same account. 
Their inaccurate dates imply the account should remain on my credit report beyond the last date of activity, and the entire allegations that I owe the debt buyer anything is thrown further into question because they have shown they are dishonest when reporting dates of delinquency/last action. 
The date they allege the account fell behind is not the accurate date of delinquency, it is the date they ( allegedly ) obtained the debt.

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

Complaint narrative:
Please REMOVE Charged off accounts off my credit report according to 15 US Code 1601 .... Late Payments 15 US Code 1666B... Collections 15 US Code 1692C Hard Inquires 1028A. If these items arent deleted according to 15 US Code 1681 I am owed 1000.00 per item Civil Liability DO YOUR JOB REMOVE THESE ITEMS AND UPDATE MY CREDIT REPORT AND SCORE ACCURATELY and CORRECTLY. THESE THINGS THAT ARE REPORTED I DIDNT GIVE THEM PERMISSION OR GAVE THEM MY INFORMATION SO BY LAW IT IS ILLEGAL!!!! FIX IT OR IM SUING EVERYONE BECAUSE THE PAPER TRAIL IS THERE!

Company response to consumer: Closed with non-monetary relief