vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-26 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: MD

Complaint narrative:
XXXX is obligated by the FCRA to report accurate accounting. consumer has advised ALL the inquires reported was fraud. said company had XXXX days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX has XXXX days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. if XXXX oes not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. XXXX XXXX file number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i will be filing form 211 treasury omb forms to audit consumers account. 
XXXX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER 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 non-monetary relief
Consumer complaint received 2024-03-26 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: MD

Complaint narrative:
XXXX is obligated by the FCRA to report accurate accounting. consumer has advised ALL the inquires reported was fraud. said company had XXXX  days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX has XXXX  days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. if XXXX oes not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. XXXX XXXX file number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i will be filing form 211 treasury omb forms to audit consumers account. 
XXXX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER 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 non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I received an email from the debt collector on XX/XX/XXXXXXXX  stating I owed {$1200.00} from an account with XXXX XXXX XXXX. I have never had an account with that bank. I believe the only reason why I received the email is because my email address is a simple first name-last name address. 
On XXXX XXXX, XXXX  I mailed a certified letter to the company disputing the charge and stating that they have confused me with another person. I asked to only be contacted via mail and for them to send information on why they think I am the person who owes the debt. I received a letter from the company, dated XX/XX/XXXX XXXX, that included an " account summary which provides verification of debt. '' The summary was a copy of a XXXX  XXXX statement with the person 's name and address. The person has the same first and last name as me but the address is a street in a town where I have never lived. A simple XXXX search of the name and address brings up more information about this person, who is not me, and does not match my residential, employer, or credit report history, and they have a different middle initial. 
As a result of the dispute letter I sent, the debt collector now knows my mailing address which they did not have before. They sent another letter to me about the debt, dated XX/XX/XXXX, stating " Your account was placed in our prelegal collection track on XX/XX/XXXX and remains unresolved with a balance of {$1200.00}. The account will soon be reviewed for further action and may be forwarded to an attorney to review for a possible lawsuit. '' They also emailed me again on XX/XX/XXXX about the debt. 
This is a case of mistaken identity but the debt collector seems to only have an agenda of harassment and most likely eventually suing hoping I do not show up to defend myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

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 XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. 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. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: PA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. It says I have late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. My credit score dropped over XXXX XXXX due to this inaccurate reporting. I am not late on any of my other accounts and always pay on time, before, or extra payments. 

In accordance with the Fair Credit Reporting act Account XXXX has violated my rights. 
15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1666 B : 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 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
I have previously contacted Upstart Network , Inc, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  regarding a loan that has been discharged. I received Copy-B of a 1099-C and the alleged debt is now income. I do not owe any debt to any of these parties. Pursuant to 15 USC 1681a, a consumer report does not include information solely as to transactions or experiences ( ie. payment history, charge off status ) between the consumer and the person making the report. Furthermore, 15 USC 1681s-2 states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. No one can collect on a discharged debt. Income can not be reported on a consumer report. The IRS defines a charge off as income, income does not get reported on a consumer report, meaning the reporting of the account is inaccurate. All parties have been put on notice that they are furnishing inaccurate information. Upstart Network , Inc also violated the agreement by sharing my information with nonaffiliated third parties. I have no contract with XXXX XXXX XXXX or XXXX XXXX XXXX XXXX and do not owe them any debt. Under the Privacy Act of 1974, I have a right to privacy. Im revoking any and all authorization I, the consumer, may have given them written, non written, verbal, and nonverbal per 15 USC 6802. Upstart Network Inc shall promptly return all Federal Reserve Notes I have mistakenly sent them per 12 CFR 1026.11. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX shall stop contacting me about an alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
XX/XX/XXXX entered into a settlement agreement for this loan in the amount of {$24000.00}. 
Around XX/XX/XXXX {$20000.00} was paid and transferred. 
Around end of XXXX XXXX  was paid via cashiers check leaving a balance of {$2500.00}. 

Beginning of XXXX, I became XXXX XXXX XXXX XXXX  several times. I tried to reason with the company XXXX XXXX at that time that the balance was forthcoming. They did not agree and were quite nasty to me and therefore, sued me via law firm XXXX XXXX XXXX i made a settlement plan and paid monthly until XXXX when I was XXXX again. Between the XXXX -collection and law firm they also captured around {$7000.00} of federal tax returns/refunds from me. 
I have heard nothing from them and the matter has been to my knowledge closed and settled. Now on XX/XX/XXXX I receive a collection notice from TSI -Transworld systems in the amount of {$28000.00}. 
This amount is not correct and this debt has been paid as mentioned above. Furthermore, they have sent the info to a wrong address. As far as I'm concerned the {$28000.00} PLUS that they have received satisfies this debt. If they disagree I want a full account audit of ALL of the funds that I Paid XXXX XXXX, XXXX XXXX XXXX XXXX and the amount they garnished and captured from my tax return refunds! 

This is predatory and outrageous! And why the nearly 10 year gap of communication!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: NY

Complaint narrative:
Recently i looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit.It 's My understanding that Equifax will investigate this account for me to ensure accuracy here is the account i am asking you to verify as accurate Account name XXXX Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
During COVID I was in forbearance. In 2022 told me that my options were to pay off or do a loan modification, the servicer told me that the loan modification was my best option. Fast forward to now and I was trying to get help from the Mortgage Relief Program and they told me my loan needs to vibe a deferral. I didnt understand and thought that is what I had because my old servicer told me the money was going to the back end of my loan. What they in fact did was add the money I owed to the total amount owed and added XXXX  years to my mortgage so they could get there interest back. I feel duped. I did not know I could have just got a deferral of my forbearance amount that had to be paid if I sold etc and would have to pay a. Additional XXXX  years of interest on that amount also. My loan went to XXXX  years in XX/XX/2022. My loan has now been bought by XXXX XXXX. I can provide those documents too.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Army and Air Force Exchange Service
State: IL

Complaint narrative:
I asked Military Star Card to update my account status to XXXX and submit the correct information but they have not ; the payment status still states XXXX past due, making my account look delinquent ; the account was paid in full on XX/XX/2019 ; however, this account on XXXX keeps stating 120 days past due on status. I contacted Military Star to correct it but they keep stating they sent the letter but I have not received the paid in full letter nor have they update my credit to proper status but continue to change info to incorrect further dropping my credit score

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 2024-03-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
There are XXXX issues I have encountered with Nelnet. XXXX is that when trying to make an online payment through their portal/website I encountered an issue wherein it would not process the payment for that day and was threatening a late charge despite me making my payment timeline. I promptly emailed their customer service through their " contact us '' feature on the website ( this email was sent on XX/XX/2024 at XXXX XXXX  PST ). Because I did not hear back and their phone agents were not reachable I paid via their telephonic bill pay system ( confirmation # XXXX ). Despite making this payment before XXXX XXXX  PST on XX/XX/2024 my payment was not processed until XX/XX/2024 making it late. Customer service has since informed me that they have payment cut off times based on EST hours but that is not listed anywhere in the several pages of statement provided. 

The bigger issue I have is with their intentionally misleading information provided in the email below. Noting that their system had an error and was not calculating payment dates correctly and that my loans would be put in an administrative forbearance during which time no payments would need to be issued and would not be accruing interest. However, they then only list 1 day as the XXXX percent interest period. When I inquired about this via their telephonic customer service the representative told me that was not accurate information and it was applied for a month long period, but could not provide my any where to see that information. Additionally, the statement issued by Nelnet makes no reference to the forbearance period or XXXX  % interest and lists the interest as the same as previous payment periods. This confusion and misleading information is unfair to borrowers who are being forced to spend time making sense of issues Nelnet is having with servicing loans and makes it impossible for borrowers to plan financial steps and decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: NJ

Complaint narrative:
Late payments reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 0 4 a 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 an account under an open end consumer credit plan 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 2024-03-26 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Late payments reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 0 4 a 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 an account under an open end consumer credit plan late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: NJ

Complaint narrative:
Late payments reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 0 4 a 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 an account under an open end consumer credit plan 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 2024-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SOFI TECHNOLOGIES, INC.
State: WV

Complaint narrative:
Sofi fraud case ID : XXXX Date filed : XX/XX/XXXX Last valid transaction : XX/XX/XXXX ( payment : {$1200.00} ) Suspected fraudulent activity : XX/XX/XXXX - XX/XX/XXXX Phone number on file is outdated- On XX/XX/XXXX - I called XXXX ( Sofi Customer service line ) - I do not know why it has not been updated. You can check on XX/XX/XXXX at XXXX ( 8 minutes outgoing call ) I have requested to change my phone number from : XXXX to XXXX. See screenshot XX/XX/XXXX I called in with my new phone number as well. So, please check your systems before denying my claim. If you called me anytime after XX/XX/XXXX then I did not receive it. I don't have access to the number ending in XXXX! A letter supposedly written and sent out on XX/XX/XXXX, BUT I didn't even get it until XX/XX/XXXX! Keep in mind, I'm a XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX I'm sorry it took me at least 4 days to get back, but I've tried to respond to it as soon as possible. The letter is attached as a reference. I've sent the requested informations to XXXX but I get no response/confirmation. I have timestamped emails - see screenshots as well. XXXX XXXX, XXXX - I received a letter, supposedly sent on XX/XX/XXXX? Stating that they have completed their investigation and that they have determined the transactions were valid and authorized. I am dumbfounded. Please check your emails - I emailed to the designated email address you have provided in the letters. - I called Sofi Fraudulent department today, they had informed me that they can't disclose any information or details on the case and wanted me to call someone named XXXX XXXX at XXXX for more information on the case. I've done everything I could to help with the investigation. It is Sofi 's responsibilities to keep customer 's information up to date and safe when it is provided to them directly. As a victim of identity theft - I am seriously disheartened how this credit card company is ran and I hope CFPB will be able to help. I'm just one person going against a huge corporation/company like this one. You can see my account is in good standing, I've been paying everything on time and never late payments.

Company response to consumer: Closed with explanation