vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-17 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: WI

Complaint narrative:
I notified experian through several disputes concerning the charge off from XXXX in the amount of {$14000.00}. 

According to the IRS publication 4681, if a debt has been cancelled or written off by the lender, you will not need to make any payments on the debt. However, you may be required to pay taxes on the cancelled debt amount reported on the XXXX form. The IRS treats debt as income and income can not be reported on any credit report. 

This is also a violation of my rights according to the Violation of privacy act of 1974.

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 2024-03-17 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: NC

Complaint narrative:
I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. Listed below It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act.

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 2024-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC
State: NJ

Complaint narrative:
RE : ALLEGED DEBT ACCT # XXXX / $ XXXX ACCT # XXXX / $ XXXX BETWEEN XXXX CREDIT MANAGEMENT COMPANY VIOLATED MY CONSUMER RIGHTS UNDER THE FDCPA AND FCRA. CREDIT MANAGEMENT DID VIOLATE BOTH OF THESE ACTS BY FIRST ILLEGALLY PARKING A UNVALIDATED DEBT ON MY CONSUMER REPORT WITHOUT SEND A NOTICE OF DISPUTE. SECONDLY CREDIT MANNAGEMENT USED WITHOUT MY PERMISSION FORMS OF MY IDENTIFIABLE INFORMATION TO ACCESS MY CONSUMER CREDIT REPORTS WITHOUT PERMISSIBLE PURPOSE IN VIOLATION OF 15U SC 1681b. CREDIT MANAGEMENT WAS ISSUED A CEASE AND DESIST, AND AN INTENT TO SUE UNDER THE FDCPA AND FCRA FOR THIER VIOLATIONS. 

THIS COMPLAINT SHALL BE RECORD ADDED TO THE OTHERS TO THIS COMPANY ONGOING ABUSIVE FDCPA, AND FCRA PRACTICES

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: NC

Complaint narrative:
I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. Listed below It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-17 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: NC

Complaint narrative:
I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. Listed below It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act.

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 2024-03-18 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: U.S. BANCORP
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCs 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-03-18 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: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCs 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-03-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: REGIONS FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was forced to chosse only one option as salary payment for working hours. 
Even request the salary payment sucjh as payment stub checcking, my oral request was denied unless receive the debit card by the XXXX XXXX company. 
Since then and now too many issues which costumer service ( XXXX XXXX ) that do not provide accurate information such as : - Limit mount to withdraw cash it is variable depending at every ATM location. 
- Some XXXX XXXX XXXX XXXX XXXX XXXX XXXX  location do not exist even costumer services insist for many times, - According to the costumer service the limit withdraw is XXXX XXXX XXXX XXXX  ) however it is different at every ATM machine - Some ATM machine allow proceed just one transaction per time so next time it is llow to withdraw again - Some of them the costumer ( who use the service ) must to have transportation because it far. 
- It is no possible to request the option of pay-stub check pick at the office of the temp employment office. 
- At emergency case the service carry a fee when the card does not work such as it is not recognize the card.

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 2024-03-18 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: LA

Complaint narrative:
Greeting Please see attached FTC Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX. 
XXXX Greetings to whom it may concern, Credit Bureaus are not accurate and just putting anything on credit and refuse to correct.

Dispute 1 Late Payments Please see attached all documentation.

Please look at the information that I am disputing on my credit report, this information is inaccurate on my credit report. I am sending a copy of my credit report and inaccurate information on my account. This information is wrong and needs to be addressed. Please correct information concerning all these accounts. ( Please see attached ) I am asking for a full investigation. Please fix this report effective and immediately. Also I am disputing the credit inquiries that are not mines and needs to be removed.

Please send me written confirmation, also include proof that youve complied with section 623 ( a ) ( 4 ) of the Fair Credit Reporting Act to the National Credit Bureaus.

Thank you for your cooperation. If you have any questions concerning this matter I can be reached at phone number above. 

Thanks in XXXX XXXX : Please investigate and mark paid as agreed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: WI

Complaint narrative:
I have sent several disputes to this company regarding a charge off from XXXX XXXX XXXX in the amount of {$30000.00}. Account number XXXX According to the IRS publication 4681, if your debt has been cancelled or written off by the lender, you will not need to make any payments on the debt. However, you may be required to pay taxes on the cancelled debt amount reported on the XXXX form. The IRS considers canceled debt as income and income can not be reported as a debt on ones credit report. 

This is also in violation of my privacy according to the Violation of Privacy Act of 1974.

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 2024-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: UT

Complaint narrative:
When UWM paid my annual real estate taxes, they processed 3 transactions. 1 of these was for the correct amount, the other two were errant, sending through 2 additional tax payments for unknown reasons. I have been unable to recoup those payments to this point despite contacting them 5 times over a 3 month period.

Correct Payment : {$2500.00} ( confirmed with my local tax assessor and matches my tax bill ) Errant Payment XXXX : {$4600.00} Errant Payment XXXX : {$2400.00} Total amount owed to me : {$7100.00} XXXX initially messaged them through their secure system on XX/XX/XXXX notifying them of the errant transactions. I received a response about a file they could not open and nothing regarding the complaint, I'm not sure what the representative was referring to so I opted to try calling them. 

I made calls to UWM attempting to resolve this and get a refund on : XX/XX/XXXX XX/XX/XXXX ( XXXX calls ) XX/XX/XXXX XX/XX/XXXX The XX/XX/XXXX call was the first to acknowledge that they had finally confirmed the error and would be refunding me the additional payments. Each time I called, they could never give me clear dates or how long it would take to process, they simply told me they would reach back out to me ( never once happened ). I called to check in on XX/XX/XXXX and the representative said it would take until end of XXXX to recover the funds as they had sent them to a clearing house for processing where they got rejected as an overpayment. 

Today is XX/XX/XXXX, and I have been owed {$7100.00} for over 4 months. This was a very clear and obvious mistake by them and it is not small amount of money. This is incredibly concerning and unethical that a company this large is unable to immediately address the situation and refund the money like any normal business would. If you make a mistake of this nature and overcharge a customer, you fix it immediately, you don't make them wait 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: NY

Complaint narrative:
I have already submitted one complaint with you XXXX. You emailed me stating it was resolved as it wasnt resolved. 

I need the dispute comments removed from the report and they have not been removed. I have contacted the company several times. I need them removed for mortgage reasons. Its for the XXXX account and to XXXX accounts. I have pictures I took today that I logged into the account and it shows the comments are still there. Please help me get them removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
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 2024-03-17 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: PA

Complaint narrative:
XXXX and XXXX are marked as ineligible for XXXX monthly payment counts, despite these being months that were placed in administrative/processing forbearance. XXXX, my account was in administrative forbearance due to the issue with XXXX billing. XXXX my account was placed in administrative forbearance due to a delay in processing my IDR renewal. My account does not show they were in administrative forbearance, but are just marked as regular forbearance and this arent counting them. Ive been calling about the XXXX issue since XXXX, and it still has not been fixed. Now XXXX is showing up with the same issue. 

( Side note : my monthly billing statements are also not showing up correctly. Its now showing {$79.00} for XXXX and I have no idea where that amount came from. Each month is getting more and more messed up. It should be the full {$240.00}, assuming the refund from XXXX and XXXX payments were issued? )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: OK

Complaint narrative:
I recently reached out to receive my TransUnion credit report. I called on three different occasions. I was told air would be fixed and it still has not been. Ive been charged for access on my credit card but still can not get it.

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 2024-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC
State: MO

Complaint narrative:
I applied and was approved for a credit card on XXXX XXXX for an Indigo Credit Card. I never received anything on the credit limit so I called the number XXXX which is the number given for them on the Internet and it transfers me to a message that it is a Debt Collector. 
I dont know how to get ahold of the Credit Card company to find out the real information or this credit card. 
I dont know if they just got my information or I am getting a card?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: WI

Complaint narrative:
After sending this company several disputes they still continue to report the derogatory information on my credit report. They are reporting a charge off from XXXX XXXX XXXX in the amount of {$29000.00} account number XXXX. 

According to the IRS publication 4681, if your debt has been cancelled or written off by the lender, you will not need to make any payments on the debt. However, you may be required to pay taxes on the cancelled debt amount reported on the XXXX form. The IRS treats the cancelled debt as income that needs to be reported on your tax return. Income is not to be reported as debt on a credit bureau. 

This also violates my privacy according to the Violation of Privacy Act of 1974. May I also add that it is illegal to report transaction history

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 2024-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OH

Complaint narrative:
Mohela recently transition to a new platform. The platform was not a seamless transition. You had to recent a new username and password to get to your account. Then when you got to your new account you could not see any of your past payments. In fact, I think my loan information is incorrect because the loan is higher and I have been paying more than what is required, but Im unable to tell because non of previous payments are available for me to see. I tried to contact Mohela to resolve the issue and the wait times were over an hour. So I decided to do an email instead and the messaging system says that there is an error after repeated attempts to send a secure message/and email. This process has been very frustrating. There is also no option for me to pay down my principal rather than the interest. If I had an option, I would pay the principal down first before interest but the loan system wont let me do that. Which of course will generate more interest for me. My mortgage company allows me to do this and Im not sure why a student loan wouldnt do the same. It unfairly causes the loan to balloon on small amounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: SC

Complaint narrative:
Unauthorized inquiries I've recently checked my credit report and noticed some inaccurate accounts reporting.

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 2024-03-17 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: AL

Complaint narrative:
I disputed XXXXXXXX XXXX prepaid card reported opened XX/XX/2023. XXXXXXXX XXXX, XXXX did not report the date closed for this prepaid debit card. XXXX reports this prepaid debit card as a secured credit card. XXXX does not report and original credit limit because the card is a prepaid debit card. Prepaid debit cards are secured credit cards. No security deposit was paid to XXXX to secure and credit limit and is reporting inaccurate information to the credit bureaus as a reporting subscriber. The previous investigation results are inaccurate and in violation of FCRA 15 USC 1681e ( b ) maximum possible accuracy, investigation results as updated, modified, verified or remains is not maximum possible accuracy of reported information, XXXX must report the date the account was closed, no info means that XXXX can not accurately verify the account.

Company response to consumer: Closed with explanation