vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-01 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: CA

Complaint narrative:
I looked at my report back in XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to reinvestigate these accounts listed below because XXXX XXXX XXXX XXXXXXXX open date is not reporting correctly, this account is not accurate XXXX XXXX XXXX XXXXXXXX open date is not reporting correctly, this account is not accurate They have not responded to me Can you look into 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 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion, XXXX, and XXXX  are reporting incorrect information on my credit profile.

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 2024-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I sent the debt purchasing agency a letter of validation to give me the information that they legally owned the debt in question. They have not responded with such information as of 30 plus days. I filed a complaint with all three bureaus to have these accounts deleted because the third party agency did not provide proof of the ownership of the debt. Letter of validation sent to this company. I also provided this proof to each reporting agencies as well they have not deleted the debt but instead allowed this company to update the statements to closed instead of deletions. 

PORTFOLIO RECOVERY ASSOCIATES ( NMLS XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Dear Sir/Madam XXXX I am writing this letter in response to your recent communication regarding a debt that you claim I owe ON ACCOUNT XXXX AND XXXX. I am requesting validation and verification of the debt in accordance with the Fair Debt Collection Practices Act, Section 809 ( b ). Please provide the following information : 1. The original creditor 's name and address. 
2. The amount of the debt.

3. Verification that I am the debtor for this account.

4. Details of the account history, including the original contract and any relevant documents. 
5. Proof that the statute of limitations on this debt has not expired.

6. The debt purchase agreement with the original debtor.

I am also requesting that all collection activity cease until the requested validation has been provided. Please send the requested information to the address listed above within 30 days of receiving this letter. Failure to provide verification of the debt will result in a request for the removal of the debt from my credit report and possible legal action. 

*IF YOU CAN NOT VERIFY BY MY REQUESTED INFORMATION, I ASK THAT YOU DELETE THE ACCOUNT FROM MY CONSUMER REPORT ASAP. 


Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
XX/XX/XXXX, as if I've yet to discover the company or web XXXX that's allowing this illegal activity of payment of funds. It continues to happen for testing and knowledgeable measures, which is unfair. It's unfair due to noticeability. If I don't notice it or seek corrections, they won't give the money back and accept it as a commissioned payment. 
XXXX XXXX, XXXX, I had a XXXX XXXX XXXX  connected to my Truist bank card. I moved out of the storage unit on the forementioned date. There were previous acts to prevent the payment, like stop payment fee but, they ( the employee in management ) still allowed the payment to go through because of their personal relationships with vendors and intergovernmental affairs before being employed by Truist. A claim was filed, the money was returned, XXXX. Same thing XX/XX/XXXX, different vendor XXXX XXXX, almost the same amount of money XXXX, it was XXXX, the money was returned XX/XX/XXXX, XXXX. 
The XXXX XXXX XXXX  must be completely disconnected. If not, this will fester into involuntary servitude. I have been engaged by a government agency sharing practice for use of politics and personal gain. Which is why I do not manage the account by the internet. Aggressive control methods are used with intergovernmental affairs and, it could cause a style of fighting which could render me helpless, in physical dangers and risk by criminals related to these agents, that are involved with organized XXXX, XXXX XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I looked at my report back in XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to reinvestigate these accounts listed below because XXXX XXXX XXXX XXXX open date is not reporting correctly, this account is not accurate XXXX XXXX XXXX  XXXX open date is not reporting correctly, this account is not accurate They have not responded to me Can you look into this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I looked at my report back in XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to reinvestigate these accounts listed below because XXXX XXXX XXXX  XXXX open date is not reporting correctly, this account is not accurate XXXX XXXX XXXX  XXXX open date is not reporting correctly, this account is not accurate They have not responded to me Can you look into 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 explanation
Consumer complaint received 2024-09-01 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX  XXXX Violation of Fair Credit Reporting Act 15 U.S.C. 1681o ( a ) Dear Equifax XXXX XXXX, I am writing to formally notify you of a potential violation of the Fair Credit Reporting Act, specifically under 15 U.S.C. 1681o ( a ), related to the handling of my credit report. 

I have disputed the XXXX XXXX XXXX # XXXX account XXXX times explaining my case. I've sent you all supporting documentation supporting my claim. Now you are being non-compliance under the Fair Credit Reporting Act. 

As per the FCRA, I believe I have been adversely affected by your willful noncompliance, which has resulted in denial of credit, emotional distress, XXXX XXXX. I am requesting that you investigate this matter and provide me with a resolution. 

In accordance with the provisions of the FCRA, I am seeking 1. Deletion of XXXX XXXX XXXX Account. 
2. Compensation for any damages incurred as a result of this violation.

3. Documentation of your investigation and the results. 

Please respond to this letter promptly. I look forward to your prompt attention to this matter. 

Thank you for your cooperation. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I noticed incorrect information being reported on my credit reports back in XXXX  2024. I have been contacting the credit bureaus and the creditors since then in order to have the information corrected or deleted from my reports. I have done everything they asked in providing supporting documents and clearly explaining the reasons for my dispute. I previously filed a complaint against all parties in XXXX for non-compliance. I followed up in XXXX and they failed to follow the FCRA by responding in 30 days. The incorrect info is still on my reports and they have not done anything to correct the issue. I am considering meeting with a consumer rights attorney if this continues. This reporting is causing me a great deal of stress and making it hard for me to get approved for credit. I am really frustrated with the way the credit bureaus have handled this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I noticed incorrect information being reported on my credit reports back in XXXX  2024. I have been contacting the credit bureaus and the creditors since then in order to have the information corrected or deleted from my reports. I have done everything they asked in providing supporting documents and clearly explaining the reasons for my dispute. I previously filed a complaint against all parties in XXXX for non-compliance. I followed up in XXXX and they failed to follow the FCRA by responding in 30 days. The incorrect info is still on my reports and they have not done anything to correct the issue. I am considering meeting with a consumer rights attorney if this continues. This reporting is causing me a great deal of stress and making it hard for me to get approved for credit. I am really frustrated with the way the credit bureaus have handled this situation.

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 2024-09-01 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: LA

Complaint narrative:
I noticed incorrect information being reported on my credit reports back in XXXX  2024. I have been contacting the credit bureaus and the creditors since then in order to have the information corrected or deleted from my reports. I have done everything they asked in providing supporting documents and clearly explaining the reasons for my dispute. I previously filed a complaint against all parties in XXXX for non-compliance. I followed up in XXXX and they failed to follow the FCRA by responding in 30 days. The incorrect info is still on my reports and they have not done anything to correct the issue. I am considering meeting with a consumer rights attorney if this continues. This reporting is causing me a great deal of stress and making it hard for me to get approved for credit. I am really frustrated with the way the credit bureaus have handled this situation.

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 2024-09-01 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: Credit Control, LLC
State: TX

Complaint narrative:
Credit Control LLC accessed my credit report without permissible purpose as defined by the FCRA XXXX XXXX XXXX ( b ) on dates XXXX XXXX and XXXX XXXX. This is a violation of the Fair Credit Reporting act and I never gave permission to view my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Someone use my information and was trying to get loans in my name and use XXXX XXXX XXXX to enhance my credit when I was in 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 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX, XXXX, & Equifax continue to report incorrect information on my consumer report. My name XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX Texas XXXX this is the only correct information that should be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX, Experian, & XXXX continue to report incorrect information on my consumer report. My name XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX Texas XXXX this is the only correct information that should be on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
My loan servicer is Mohela. 

I recently consolidated my federal student loans with the Dept. of Education and at the same time submitted an application for an income driven repayment plan ( XXXX  ). The Department of Education website shows that my application was processed on XX/XX/XXXX with a monthly payment of {$0.00} cents per month but, Mohela has me on standard payment plan of over {$860.00} per month since XXXX. 

If my XXXX application has been processed, which it has, I should be in an interest free/no payment due administrative payment pause due to the legal issues with the XXXX plan, not on a standard payment plan that is incurring interest. I have sent multiple messages to Mohela requesting that my XXXX application is correctly processed ( no satisfactory result so far ). 

Secondly, the only reason I applied for a consolidation last XXXX was because I was advised to do so on the Dept. of Education website. At the time I owed XXXXXXXX XXXX and my payment was {$0.00} cents per month ; now, XXXX months later, after consolidating, I owe {$150.00} XXXX and I am no longer on the XXXX plan, so interest ( over {$1000.00} per month ) is accruing all the time. I am very much worse off thanks to following the advice to consolidate my loans. 

Additionally, since I can't afford the payments of the standard payment plan, now my months in deferment won't count towards PSLF. I am a XXXX XXXX XXXX  and working towards PSLF forgiveness ( income XXXX : {$44.00}, XXXX ). 

V/r XXXX XXXX '' XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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: UT

Complaint narrative:
I recently reviewed my credit report and I have the news that I still have this fraudulent account that had previously been removed and this reappears and is hurting my credit and my opportunity to have opportunities and this is against the law to obtain credit please remove these fraudulent accounts from my report 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 explanation
Consumer complaint received 2024-09-01 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: GA

Complaint narrative:
I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) to request that Equifax, the credit reporting agency, block information on my credit report that is the result of identity theft and fraud. This fraudulent, inaccurate, and false information includes : A personal credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX, with account number XXXX Collection accounts opened at XXXX XXXX on XX/XX/XXXX, with account numbers XXXX ( balance {$680.00} ) and XXXX ( balance {$510.00} ) These fraudulent accounts have led to several hard inquiries and collections that are also fraudulent. I have attached a list of these hard inquiries and a copy of my consumer XXXX credit report from XXXX that shows these fraudulent items. 

I do not recognize these accounts, collections, or hard inquiries. I did not open, make, or initiate these accounts, collections, or hard inquiries. They are all the result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal Complaint from the U.S. Federal Trade Commission as proof that these accounts, collections, and hard inquiries are the result of identity theft and fraud.

Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I request that Equifax block this fraudulent information within 4 business days of receiving this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 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: Self Financial Inc.
State: FL

Complaint narrative:
Someone use my information and was trying to get loans in my name and use credit builder program to enhance my credit when I was in jail

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal Credit Union is alleging I owe a debt I do not. Banks are not allowed to lend money from their assets or their depositors assets so how is it that they extended this credit transaction. They did not my signature created the money for this transaction and Navy Federal Credit Union continues to allege I owe a debt. This is my final complaint to this credit union to provide evidence that I lawfully owe this debt or consider this your notice of a potential lawsuit for damages you have caused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diverse Funding Associates LLC
State: KY

Complaint narrative:
I have no clue what this debt is for. Nor have a had the chance or options to dispute.

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 2024-09-01 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: CA

Complaint narrative:
On XX/XX/2024, i looked at my credit report and noticed that a new collection had been added from the collection agency XXXX XXXX XXXX. I went ahead and called XXXX XXXX XXXX and was asked questions about myself they should have already had the answers to. 
The collection in question was from XXXX XXXX  and i have never conducted business with XXXX. 

I do not know if XXXX XXXX XXXX is a reputable collection agency. Or it was just a person trying to scam me. But the collection being put on my credit file is fraud.

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