vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-26 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: NV

Complaint narrative:
A few months ago i noticed that i had a bankruptcy reporting on my credit report. I did some investigation and found out that my mother had filed for bankruptcy. I disputed the bankruptcy with all 3 bureaus and only 1 bureau took it off. XXXX and equifax did not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: LEXISNEXIS
State: NV

Complaint narrative:
A few months ago i noticed that i had a bankruptcy reporting on my credit report. I did some investigation and found out that my mother had filed for bankruptcy. I disputed the bankruptcy with all 3 bureaus and only 1 bureau took it off. XXXX and XXXX did not remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IN

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: WI

Complaint narrative:
I am writing to deleted the following information in my file. The items I need are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. I reported theft of my identity to the federal Trade commission and I also enclosed copies of the federal trade commission Idenitity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible its holding my life back Im in the process of purchasing an home for me and my family

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: KY

Complaint narrative:
I XXXX XXXX consumer who is a victim of identity theft. Transunion, XXXX and XXXX has used and furnished my consumer report without my authorization consent or written instruction. My information was shared to non public personal information without my consent and also used that information to furnish. Congress makes it clear that the consumer has a right to privacy which XXXX, Transunion and XXXX has violated my federal protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their responsibility with respect to the confidentiality of my personal information. The Fair Credit Reporting Act was intended to insure that consumer reporting agencies exercise their responsibility with fairness, and respect to the consumer right to privacy! Under the Gramm Leach Bliley Act of 1999. I enclosed all documents social, ID, and statement.

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 2023-10-26 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
On XX/XX/2023, I submitted my regular ontime payment via XXXX, a 3rd party payment processor, as I have done for at least the past 6 months, and on XX/XX/2023 the payment was returned due to invalid account number, which is absolutely an error due to the fact all of my past payments were processed under the same account number and I was not informed that my account number changed. On XX/XX/2023, my bank sent a balance transfer payment for the complete balance amount via snail mail to the same account number to the payment address on my credit card statement. After XXXX business days my account was NOT updated to reflect that the payment actually posted, so I sent secured messages at the Comenity Full Beauty website, and on XX/XX/2023, Comenity sent me 2 letters, the first claiming it would investigate the dispute, and the second letter requesting more information on the payment. On XX/XX/2023, I received the proof and letter from my bank with verification of the payment, the account number, and payment address. O sent this information via certified letter and uploaded it to the secure message site as well. I also researched Comenity 's defective business and operational practice of failing to process snail mail payments it claims as a valid payment option for XXXX 's of consumers. I have discovered that Comenity 's claim to consumers that snail payments are a valid payment option, are in fact actually unfair and deceptive business practices in that Comenity knows but doesn't report to consumers that it actually has no intention to process snail payments and in the alternative frustrates the process by not confirming receipt and processing such snail payments to fraudulently induce consumers ( and their banks as in my case ) to only accept online via Comenity 's website electronic payments and all others to fraudulently claim no record or receipt of consumers ' snail payments which has caused me countless hours of time and energy and frustration only to find out that this is a fraudulent business practice including failing to correct some Artificial Intelligence technology or through it's IT Department to correct the problem so consumers can have their snail payments processed properly and without undue countless frustrating efforts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-26 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: MA

Complaint narrative:
I received a notification on XX/XX/23 of a new hard inquiry on my credit report from XXXX on XX/XX/23. I contacted XXXX ( XXXX XXXX XXXX XXXX ) who referred me to XXXX XXXX, issuer of the XXXX XXXX XXXX. I called XXXX XXXX and the woman refused to transfer me to the Fraud Department or provide any electronic means to get in touch with someone. She instructed me to send a fax to XXXX stating that a fraudulent application had been submitted in my name. She instructed me to include date of birth and last 4 of my XXXX, neither of which I was willing to do. I typed the letter summarizing the situation and attempted to send the fax and the number is not in service.

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 2023-10-26 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: WA

Complaint narrative:
In pursuant to 15 USC 1681 a2 The credit reporting agencies have not been fair to me in their duties and have violated my consumer rights. I am stating I did not give any written consent/permission to have any information furnished on my consumer report 15 USC 1681b .

They have assumed this vital role and have infringed upon my right to privacy, In Pursuant to 15 USC 1681 ( 4 ). This has been a total invasion of privacy and damages have been done, resulting in severe harm and discrimination.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 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: WA

Complaint narrative:
In pursuant to 15 USC 1681 a2 The credit reporting agencies have not been fair to me in their duties and have violated my consumer rights. I am stating I did not give any written consent/permission to have any information furnished on my consumer report 15 USC 1681b .

They have assumed this vital role and have infringed upon my right to privacy, In Pursuant to 15 USC 1681 ( 4 ). This has been a total invasion of privacy and damages have been done, resulting in severe harm and discrimination.

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 2023-10-26 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: AZ

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2023-10-26 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 am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$6300.00} XX/XX/XXXX XXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$7700.00} XX/XX/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 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
In XXXX of XXXX, I requested that XXXX update my student loan balance. I sent them the balance statement and the forgiveness letter. XXXX stated they gave this information to XXXX and that it is XXXX that is refusing to update the information. XXXX keeps sending me an old balance from XXXX of XXXX, and now they are refusing even to let me dispute the amount stating " We have investigated, and this is the balance owed ''

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 2023-10-26 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: AZ

Complaint narrative:
In XXXX of XXXX, I requested that XXXX update my XXXX loan balance. I sent them the balance statement and the forgiveness letter. XXXX stated they gave this information to XXXX and that it is XXXX that is refusing to update the information. XXXX keeps sending me an old balance from XXXX of XXXX, and now they are refusing even to let me dispute the amount stating " We have investigated, and this is the balance owed ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
This debt was sent to a debt collector XXXX XXXX has deleted the debt and refunded my money XXXX  out the debt But NCA refuses to relinquish the debt NCA is trying to collect a debt that has been canceled by the original debtor

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: FL

Complaint narrative:
I am writing to file a formal complaint regarding a collection account labeled " XXXX XXXX, XXXX XXXX and XXXX. XXXX, XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX.

To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing.

The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX  that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.

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 2023-10-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: LA

Complaint narrative:
I just got back in town from work. While going through my mail, I come across this letter dated XX/XX/2023 informing me that I have an unpaid bill of {$170.00} with XXXX XXXX XXXX ( XXXX  ). This is the second time I have received this letter and have informed them that I still have an active account ( internet and mobile ) with this company. I consider this as harassment and trying to get money from me illegally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: MO

Complaint narrative:
The credit reporting agencies XXXX and Transunion have some information/accounts on my credit report that I have no knowledge of and it has damaged me from by using my first home

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 2023-10-26 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: FL

Complaint narrative:
There are accounts, date of accounts, amounts, and various incorrect and incomplete information on the XXXX credit report that I have been disputed over the course of the last six month. Most recently submitted XXXX XXXX XXXX XXXX 

The consumer name associated with said account has been affected by the Equifax breach settlement engagement number XXXX 

I only wish Equifax to provide the appropriate documentation and methods used to verify the information they claim is accurate. The inaccuracies have been extremely detrimental to getting jobs, as well as properly operating in commerce and accesses credits. 
The most recent dispute was mailed XX/XX/ requesting verification on alleged remarks and errors on the credit report. I encourage XXXX XXXX and Equifax to resolve these issues to avoid civil proceedings for violations pursuant to FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: AL

Complaint narrative:
Prior to the current student loan servicer, I reached out to XXXX for an audit of my account on several occasions, but never received one. Upon further review of my account, my payments over the life of the loans, capitalized interest, unpaid interest, and loan balances do not add up and some initial loan amounts have the wrong amount borrowed. I have incorrect XXXX forms. 

XX/XX/XXXX - I received an email from AidVantage ( new student loan servicer ) that my IDR was approved for {$500.00} from XX/XX/XXXX to XX/XX/XXXX. 

XX/XX/XXXX - I received another email stating my IDR monthly amount was {$580.00}. 

XX/XX/XXXX - I logged into my account and discovered that the payment due is {$2000.00} ; so I tried calling them and was on hold for XXXX minutes without speaking to anyone. 

XX/XX/XXXX - I tried calling again at XXXXXXXX XXXX  CST and was on hold for XXXX hours and XXXX minutes without speaking to anyone. 

XX/XX/XXXX - I emailed the them to the email I received stating my IDR was approved, but received an automated response that this was email account that is not monitored and to either call or login my account and send them an email. 

XX/XX/XXXX - I logged into the account and sent a message for an explanation of why my monthly payment is showing to be {$2000.00} due XX/XX/XXXX when I have an approved IDR for either {$500.00} or {$580.00}. I received an automated email stating that I can expect a response from one of our Customer Care Specialists within XXXX business days. No response to date. 

XX/XX/XXXX - I logged into the account and tried chatting with a representative ; the chat session ended automatically with a message to try back later. 

XX/XX/XXXX - I sent another message within the account requesting an explanation of my accounts and payment. I received an automated email stating that I can expect a response from one of our Customer Care Specialists within XXXX business days. No response to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P.
State: WI

Complaint narrative:
I am writing to deleted the following information in my file. The items I need are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. I reported theft of my identity to the federal Trade commission and I also enclosed copies of the federal trade commission Idenitity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible its holding my life back Im in the process of purchasing an home for me and my family

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: FL

Complaint narrative:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a collections account that has been negatively affecting my credit report and causing me undue stress. The collections account in question is identified as XXXX XXXX XXXX XXXX XXXX XXXX and I believe it has been erroneously reported on my credit report. I have taken steps to contact the credit bureaus in an attempt to rectify this situation, but the issue persists. I became aware of the collections account XXXX XXXX XXXX XXXX XXXX XXXX when I reviewed my credit report. To my astonishment, this account was negatively impacting my credit score, and I had no prior knowledge of its existence. The account in question has significantly affected my ability to secure favorable financing terms, obtain credit, and achieve my financial goals. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) are being violated, as I have not received adequate verification of the debt 's legitimacy, and the collections account continues to damage my creditworthiness unfairly.

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