vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-27 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: MI

Complaint narrative:
In XX/XX/XXXX, I obtained a credit card through XXXX XXXX XXXX XXXX. I have always made my payments on time. In XX/XX/XXXX, I requested to be put on a payment plan and to close the account. The account was then placed on a payment plan and I was sent a letter with the new contract agreement. Per the contract, the monthly payment would be a set amount of {$47.00} starting XX/XX/XXXX. Per the contract, no interest or late fees would be applied. Per the contract, I would need to make to payments of {$47.00} in XX/XX/XXXX on XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX, I made a payment of XXXX to cover both payments, however that payment I cancelled via my bank as well as called XXXX to cancel that payments to stick to the agreement. Although, I cancelled the payment, XXXX continued to collect that payment amount several times which depleted my amounts that I had in my account at that time to cover the XXXX {$47.00} payments. In short, On XX/XX/XXXX, and on XX/XX/XXXX a payment of XXXX were made by myself and was collected by XXXX per the agreement. On XX/XX/XXXX, another payment of XXXX was made per the agreement. In short, XXXX continues to show an additional amount of {$27.00} on my account plus the {$47.00} which shows me owing more than the agreement amount. XXXX has been promising to correct this amount and refund my account and correct the late data since XX/XX/XXXX. To this date, it is still showing inaccurate information, and is reporting inaccurate information on my credit report. This has impacted my credit report greatly and is damaging my credit worthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: NM

Complaint narrative:
I recently received a message from XXXX who I use to monitor my credit report. The debt notice is from Wakefield & Associates for a debt I am unaware of. I requested a validation of the debt but have not received any information. Nor have I ever received any written documentation from Wakefield and Associates regarding this debt and who the original creditor was. It wasn't until the message from XXXX saying my credit score was lowered and that XXXX XXXX notified of me of a decreased credit card limit due to debt on the credit report that I took a deep dive into my credit report. 

Wakefield & Associates claims this debt was opened on XX/XX/XXXX for the amount of {$1500.00} as of XX/XX/XXXX. The original creditor from the first credit report is listed as APP OF NEW MEXICO XXXX XXXX. Doing an online search shows this name is associated with a psychiatric office in XXXX, NM. I contacted the billing office and they do not have me as a patient in their system. I have never received services from them. 

So, I disputed the credit report through XXXX and today received an update. The report update is dated XX/XX/XXXX. The amount is now {$1500.00} and is considered past due. Now the original creditor is listed as XXXX XXXX XXXX XXXX. This company is registered in the State of Washington. I am in New Mexico. 

The information for XXXX XXXX XXXX XXXX is listed as a foreign limited liability company in the state of Washington with a branch in Delaware. The registered address is listed as XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX. The agent name is listed as XXXX XXXX XXXX  XXXX with the address as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX. No phone number is listed to request a dispute or a validation of the debt. XXXX XXXX XXXX XXXX also lists branches in Rhode Island, North Dakota, Colorado, Iowa, and Idaho. I have not lived nor received services that would warrant any debt in these states.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 

Details of the accounts are as follows : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Securus J Holdings, LLC
State: VA

Complaint narrative:
I have prepaid for XXXX XXXX minute video phone calls with my son who is currently XXXX in a XXXX XXXX XXXX XXXX in Idaho. The company I paid is Jpay I was approved for the video calls and Jpay sent me a sign in link on XX/XX/2024 I followed log in instructions and when I clicked on start call I was transferred to another Jpay page with another link I needed to download to start my phone call which was already supposed to be in progress. The link took me to a page not found error. I tried again and again but while Jpay deducted my account I was never even close to being able to access the prepaid visit with my son. There is no way to get a person on the phone at Jpay just a computer with no information about Jpay video connect. I have sent an email every day trying to get help from Jpay but the only reply I get is a Covid precautionary reply promising a reply someday. I have another pre paid video phone visit on XXXX when I will have my grandson here to talk to and see his father. I am desperate to get a useful reply from Jpay before we miss another chance I already paid for to see my son. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
XXXX XXXX  does not have power of attorney over my file and said so in an email to me. I previously provided this to the cfpb. 

Afte eno help from anyone at amex or XXXX  XXXX XXXX I was able to get in the online portal and tried to make a payment from an old account that was the {$50.00} payment it worked but that account is no longer active and i can not make payments nor could i prior as the system will not allows payment methods to be added. 

aside from that when i call to pay XXXX they refuse to accept payment and still say consumer direct has power of attorney. that is false information. no other party has power of attorney but me. 

amex is predators and will not allow me to pay my account. their portal does not work and they are still not offering me a way to make a payment. This isnt solved as im still stuck being told i can not pay my own account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Hi, In XXXX I called NelNet once I received an alert on my credit report for a XXXX decrease in my credit score. I was informed that my loans payment was due from the deferment. I explained 1. I filed bankruptcy in XX/XX/XXXX, my loan was added to the debt amount per the appointed judge and my attorney. 2. I was also laid off XX/XX/XXXX. The agent placed my loan on another deferment and advise I apply for school related discharge. Instead, I called my attorney, and he advised the loans are to be closed per appointed judge agreed the repayment would impose undue hardship on me and my dependent. I called Nelnet back on XX/XX/XXXX, I was then informed to submit a detail letter to XXXX with my full bankruptcy journals. I did that same day and called back due to me not getting the ETA of the request I was sending. Then the 3rd agent informed me NelNet isn't responsible for handling this type of request and they send them to XXXX, I then asked why I wasn't advised this on the previous call. It doesn't seem like the servicing company knows anything about bankruptcy or is giving the runaround. The servicing company received the notice of bankruptcy from the attorney office. I called XXXX on XX/XX/XXXX also and was told by that agent XXXX has no determination to discharge under my bankruptcy, and they are a general customer service company that assist with other issues. As stated in my letter to Nelnet Claims department my student loans have been discharged with my bankruptcy as of XX/XX/XXXX. On XX/XX/XXXX, I also, told by the XXXX agent to file a complaint on Federal Student Aid, due to the incorrect information given by NelNet which I completed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XXXX of 2023 I purchased a XXXX XXXX  XXXX new and used XXXX XXXX XXXX as my lender. The lender and XXXX handled the process on the backend to ensure everything was set up properly. I was approved, paid my down deposit, and was good to go. I set up automatic recurring payments to my bank account to make sure I wouldn't miss a payment and created an account with XXXX XXXX XXXX to alert me if anything was amiss. In XXXX of 2023, one of my car payments bounced back. I was never alerted or contacted by XXXX XXXX of this missed payment. No email, no phone calls, and no letters. In XXXX of 2023, I got an alert that my credit report was hit with a delinquent report with XXXX XXXX. I immediately contacted XXXX XXXX and was told that I had missed a payment and they tried to call me but got no answer. I immediately paid in full the amount that I owed. As it turns out, they had the XXXX number for XXXX on my file. I asked if they emailed or sent mail to me which they replied " we took every effort to contact you. '' When I checked my email, they never sent me a single email or letter even though both of those were correct on my file. I contacted their financial department to dispute this case. I included all of the above information and I got a reply from them 30 days later saying that they found nothing wrong and we're not going to change their decision. This is an outrageous abuse of my credit history and XXXX XXXX XXXX should do better.

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 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This started back in 2021. I called multiple time and they could seem to realize what the issue is. It came down to them saying I had a split account. They deleted my old account i had to create a new one. Fast forward and its back doing the same thing. There is no notice of outage or anything. It stopped working last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: TX

Complaint narrative:
I paid a bad debt collection off in full, XXXX XXXX XXXX. they in turn said that once it was paid off they would submit to credit bureaus and delete off my credit report, they have not. I am trying to buy a home and this is preventing me from doing this. Can you please reach out and delete this off all of my credit reports. 

Thank you

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 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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 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 2024-03-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Rosebud Economic Development Corporation
State: AZ

Complaint narrative:
This company is conducting business practices that do not align with the FTC. On XX/XX/XXXX, I applied for this " installment loan. '' They had my cell phone number during the verification process but insisted on calling my job. They called my job two times during the verification process ( XXXX days ). I told them after calling my job once to not call again and they " documented it '' and swore they wouldn't. Well, next day they called my job again. This time I wasn't nice and told them call again and see what happens. They approved me for the loan and that was that. 

Unfortunately, I fell on tough times and defaulted on the loan. They were reaching out to me via cell phone number and I answered each time trying to come to an agreement with them that worked for both of us to get it paid off. They refused to agree to my terms ( {$50.00} biweekly ). On XX/XX/XXXX they proceeded to call my cell phone at XXXX to speak to me, which is against the FTC XXXX. I still called back and spoke with them at XXXX like nothing. On XX/XX/XXXX at XXXX, I spoke with a manager ( name I do not know ) who proceeded to tell me that if I didn't set an agreement then they would call my job to speak with HR ( why I do not know ). I reminded her that she will not call my job since I mentioned that several times already. She also tried to get me to admit that I was refusing to pay the loan and I explained I was not. On XX/XX/XXXX, my boss approached me and told me that that XXXX  at approximately XXXX, he received a call from these people asking for HR. Again, against the guidelines as I told them to not call my job repeatedly ( I was told they have it documented several times by different agents ) and it was XXXX which again goes against the FTC XXXX I then called the company back after that and admittingly went off on them as I got in trouble with my boss for this call. I got an " I apologize '' from the agent. This company needs to be held accountable.

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 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Just within the past 2 months I have asked all three credit bureaus for my credit reports I have yet to receive them as I've had identity theft from Financial breaches to credit bureau breaches to healthcare breaches to communication breaches there's false information on these reports I'm suffering from identity theft which I've reported I'm not getting help from anywhere and I'm in a hole with credit card debt that I should not have if it weren't for identity theft and breaches as well as my information being found on a dark web as well as Accurate background check producing inaccurate 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 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Just within the past 2 months I have asked all three credit bureaus for my credit reports I have yet to receive them as I've had identity theft from Financial breaches to credit bureau breaches to healthcare breaches to communication breaches there's false information on these reports I'm suffering from identity theft which I've reported I'm not getting help from anywhere and I'm in a hole with credit card debt that I should not have if it weren't for identity theft and breaches as well as my information being found on a dark web as well as Accurate background check producing inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Westlake Services, LLC
State: CO

Complaint narrative:
In XXXX of 2022 a cease & desist was put on communication for my account. They told me it could be as simple as saying these calls annoy me. But, they did not disclose what was actually said to initiate said XXXX & XXXX order. My auto pay schedule got cancelled, again not sure how. I know its my responsibility to pay attention to my finances, but somehow months went by without my payments being made. My loan was defaulted on, and my truck is up for repo. I only know this because I called them. They never sent a legally binding notice of default, or a repossession notice. They claim that the XXXX XXXX XXXX order prevented them from that, yet it allowed my account to go so far into default. State of CO law says my truck cant be repossessed without notice, but they argue differently. Im trying to resolve this, but they will not budge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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:
I am writing to follow up on the dispute I recently submitted regarding the negative accounts listed on my credit report. Despite my efforts to address these discrepancies, I have not yet received a satisfactory resolution 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 2024-03-27 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: NV

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 :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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: PA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Incorrect Name - XXXX XXXX XXXX Incorrect Address - XXXXXXXX XXXX XXXX XXXX  XXXX, GA, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, GA, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX GA, XXXX EMPLOYER XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief