vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under XXXX5 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

15 U.S.C. 1681s-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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I ran my credit report on XXXX XXXX XXXX for all 3 company 's and discovered Identity Theft occurred. I was not able to download my XXXX and Transunion report b/c of technique issues I was having. I found I have an unauthorized account that was recently charged off to collections named XXXX  XXXX opened on XX/XX/2022 and charged off and sent to collections for the amount of {$3700.00}. ( see attachments ) I was only able to down load the XXXX Report but it does not show the loan from account services. 

I need to do a credit freeze, and dispute the loan that is on my credit report. I also need my full credit report from all 3 companies b/c they are all showing different things. I am a victim of Identity theft and need to resolve this asap but I am unable to do anything b/c I can not speak to a real live person and I am locked for not having the correct information when requesting it from the other 2 major credit agencies. 

XXXX XXXX XXXX Transunion

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 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I ran my credit report on XXXX XXXX XXXX for all 3 company 's and discovered Identity Theft occurred. I was not able to download my XXXX and XXXX report b/c of technique issues I was having. I found I have an unauthorized account that was recently charged off to collections named XXXX XXXX opened on XX/XX/2022 and charged off and sent to collections for the amount of {$3700.00}. ( see attachments ) I was only able to down load the EqualFax Report but it does not show the loan from XXXX XXXX. 

I need to do a credit freeze, and dispute the loan that is on my credit report. I also need my full credit report from all 3 companies b/c they are all showing different things. I am a victim of Identity theft and need to resolve this asap but I am unable to do anything b/c I can not speak to a real live person and I am locked for not having the correct information when requesting it from the other 2 major credit agencies. 

Equal Fax XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: JDJ Investments, INC.
State: GA

Complaint narrative:
XXXX {$2400.00}, Reported to the 3 Bureau Agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
My son, a XXXX needed immediate dental work. He was in a lot of pain. When I initially took him to the dentist, they intimated they had a payment plan. He has some dental insurance but not enough to cover the cost in its entirety. The dentist offered care credit and said it would cover the cost of the procedure and I wouldnt owe anything for a year. Once I used it to pay for him and I did owe, I made consistent payments but the balance never reduced because they charge security fees totaling {$100.00} a month. Once paid off, you are still paying the fees each month. You will never be debt free with this company.

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 monetary relief
Consumer complaint received 2023-12-27 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I reached out to LVNV Funding LLC regarding a debt collection appearing on my credit report totaling {$810.00}, a matter I had previously disputed. During our conversation, the collector disclosed someone else 's personal information, including an incorrect phone number. Initially, I was informed of an outstanding debt on a XXXX XXXX  credit card ( dated XX/XX/XXXX  ) amounting to {$2100.00}. To verify this claim, they provided me with another person 's phone number. 

Having contested this account, I am now alarmed by the potential privacy violations and breaches of consumer protection laws stemming from this error. I possess a personal recording of the call as evidence. 

This communication transpired on XX/XX/XXXX at approximately XXXX XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: TN

Complaint narrative:
I have two issues to complain about - 1. In early XXXX I requested a refund of my payments for XXXX and XXXX. Because I wasn't given my loan bill in an adequate amount of time as required by law, I was placed in a forbearance. I called MOHELA and I was told that they would be refunded. On XX/XX/XXXX I received one payment but I am due one more. I would like that payment immediately to be credited to me. 

2. On XX/XX/XXXX I submitted my final XXXX XXXX via XXXX. My employer filled this out quickly and it is listed as completed and sent to servicer within one day, but it hasn't been reflected. I requested a forbearance while MOHELA completes my loan forgiveness and that so far, has also not been applied. The timeline is such that a payment will be due in XXXX because of the slow service provided to me- which will likely affect my credit score. 

I have called, and not gotten answers, the wait time for any call is XXXX. I have used the secure message feature, and I have NEVER had a message replied to. I feel service this poor can only be intentional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
This debt hit my credit i did not live in XXXX XXXX at the time of service for XXXX. In fact ive never had XXXX  before. And i live in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
My name is XXXX. My original creditor was XXXX XXXX XXXX. A third party collection agency LVNV funding LLC purchased old Inaccurate fraudulent debt from XXXX XXXX XXXX which is illegal to do. I knew nothing of LVNV funding. They never reached out to me prior to this. And to make matters worse they have now threatened and sued me for Debt that is inaccurate. I tried to contact there office and no one has gotten back to me to look into this matter. Im very upset about this because no one should have to pay a debt that is inaccurate. I do not consent to paying a third party collection agency that has inaccurate data on my old past debt. I also do not appreciate LVNV Funding LLC threats of suing me. I have never been sued a day in my life and I try to live my life in a very respectful / honest way. LVNV LLC does not operate in a honest way. They are money hungry -third party collection agencies trying to make a quick dollar by suing innocent people. LVNV does not deserve to be operating as a third party collection agency. 

They need to stop harassing innocent American people. Enough is enough! 

LVNV funding LLC license number is XXXX They are Suing me in the amount of {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In late XXXX early XXXX I had noticed that there had been a large amount of spending on XXXX on my chase card.. So i confronted my girlfriend who is an authorized user and she denied the spending. We looked at her XXXX account together and found that all her charges were on our joint XXXX XXXXXXXX account, everything was legit. However none of the charges on our chase card lined up with anything on her XXXX card. So I contacted chase bank. I disputed all of the charges on my chase credit card that were from XXXX and they credited the account and opened an investigation. a few weeks later they had charged back all of the credits and sent a letter stating that i was responsible. I got back on the phone with them and asked how they came to this conclusion. they stated that they had got a document from XXXX showing that my card had been used and that shows i was responsible. i asked where these items were being shipped to and they stated an address on XXXX XXXX in XXXX XXXX florida. we have never had any association with anyone there nor would have sent anything to an address in that area for any reason. i asked to speak to a supervisor and i asked him how could they do a actual investigation and come up with my being liable when no one has even bothered to reach out to me asking if this address had anything to do with me. he said that because there are so many charges over a long period of time it looks suspicious on my end and that proving otherwise would be a challenge. he agreed to open up the investigation again and look into this, a week later i got the same answer. i am liable for all these charges. he said i would need to get with XXXX for any further help. I will agree that i made the mistake of paying my chase credit card bill every month without verifying that the charges were all legit. my issue is that the charges are all relatively small however they added up to around XXXX XXXX dollars in a 9 month span. i pay my credit card every month and thought it was my girlfriends regular spending. after confronting her about it is when i found out these were all unauthorized charges. Chase bank has told me that there isnt anything they can do about it after the investigation. 

I have an XXXX account and so does my girlfriend. the card in question is not associated on either of our accounts. I can prove that. The charges on the card all have items shipped to an address in XXXX XXXX florida, i have nothing to do with that address. these are clearly fraudulent charges on my card. but chase is telling me i am stuck footing the bill for these because they can't prove that these are not fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

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 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I submitted a claim to Barclays Bank about an unauthorized charge of {$600.00}. On XX/XX/ XXXX I received a letter stating that the matter was with a dispute specialist, and it could take up to 45 days to resolve. 
On XX/XX/XXXX I called to check on the progress of my claim and learned they closed the case citing that I did not answer a phone call from them. I was told to resubmit a letter requesting that the claim be reopened. 
On XXXX XXXX I mailed a letter requesting they reopen my claim. 
On XX/XX/XXXX I spoke to the dispute department, who transferred me to the fraud department who then transferred me back to the dispute department where XXXX assured me that a manager would call me within 48 as they do not have managers on site. I never received a call. 
On XX/XX/XXXX I spoke to XXXX in the fraud department who sent my call to XXXX in disputes. XXXX said the manager would call me within 24 hours. Again, I did not receive a call. 
On XX/XX/XXXX I spoke to XXXX who said a manager would call me within 48 hours. 
As of today XX/XX/, I have still not received a phone call from a manager at Barclays Bank nor has the charge been removed from my account. 
I find their handling of my claim unprofessional and dishonest ; I would like this charge removed and reimbursement for the interest that I have been charged.

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 2023-12-27 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: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
On XX/XX/ XXXX  as a federally protected consumer I requested to opt out of any and all authorization I the consumer may have given written, unwritten, or non-verbal per 15 usc 6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: NV

Complaint narrative:
On XX/XX/XXXX I reached out to XXXX to cancel my loan application a day before class started on the day of their deadline. If they were to have processed my request, the loan amount would have been independent of the school. They simply stated that my email " came from an unknown address ''. They told me to reach out to the school, and I did. Then, the school told me to reach back out to them. This went on for multiple weeks. 

The latest communication I received was an apology from a manager at XXXX who said she understood the situation and would reach out to the school for the issuance of a full refund. That is the first email in the chain I will attach below. I reached out several times after, but I was unable to hear back. 

Both parties assured me that the loan would not fund until XXXX XXXX. I submitted my request well in advance on XXXX XXXX, for the 3rd time to cancel my loan. I was not worried about them taking so much time, because I did not think it would come down to all of this. 

XXXX verified that my loan cancellation was not submitted to them by my school until XX/XX/XXXX. This was over an ENTIRE 2 weeks after I submitted for the 3rd time, and an ENTIRE week after the loan was funded! 

After the deadline from my original email passed, XXXX  has been saying that I need to contact the school for a full refund, but the school has said to talk to XXXX 

Additionally, the fees and terms on the website of the XXXX XXXX XXXX XXXX say that they will '' refund all amounts received from the enrollee less a {$400.00} processing charge and less the cost of training materials shipped ( {$850.00} ) totaling {$1200.00}. '' They never received any funds from me, let my loan fund, and then are now trying to charge me for it. 

The amount that reported to my credit report said I paid XXXX of a XXXX loan!!! I disputed with TransUnion and they simply changed the loan amount. 

I never received ANY goods or services, nor " Shipping Materials '', and the amount they are charging me is over $ XXXX well beyond the scope of their hidden : '' conditions ''. I just XXXX and was trying to extend my education and legitimately can not pay for this. 

I am genuinely worried this will go to collections and drop my credit score from XXXX to below XXXX. 

I know the Bureau 's mission is to make sure consumers are " treated fairly ''. This has gone beyond unethical business practices and is extremely unfair. I do not know where else to go. Please help me...

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 2023-12-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Prosper Marketplace, Inc.
State: OH

Complaint narrative:
Hello, XX/XX/, I requested a settlement for the amount due to prosper loan. I was told there is a settlement amount of XXXX that is due. The amount was not reflect correctly on prosper.com website. I communicated via email and now received letter via mail from 3rd party company. 

Tried to call received no answer I believe due to high call volume. Overall, I do not owe the amount displayed on bill and website. In addition prosper is reporting to credit bureau incorrectly with the incorrect amount. 


Letter, also says I paid XXXX towards balance in which is highly incorrect more that XXXX was paid during the duration of this loan. Unfortunately, I experienced unforeseen circumstances that prevented me from making payments ; in which, as expressed upon completion of settlement amount that was created XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
These is not mine XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX They are being reported incorrectly. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

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