vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-14 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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.

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 2023-12-14 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 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: TX

Complaint narrative:
We closed on a home on XXXX XXXX the original loan went to XXXX XXXX XXXX  which had the first payment due XXXX XXXX XXXX The loan was sold to XXXX before XXXX XXXX. I called XXXX XXXX XXXX to ask about payment due on XXXX. I never received a payment coupon and I was told by customer service if it was sold before the due date no payment would be due. The loan was sold to XXXX late XXXX. Then I got a letter in XXXX that payment was due from the XXXX XXXX XXXX  I did not see the letter until early XXXX since I was in another state for the entire month of XXXX. I immediately called and they said I owed them the first payment due XXXX XXXX. I explained several times 2 people with their company told me no payment was due and I would need to do my research with XXXX  as they showed they had the full amt of the original loan. I asked the rep at XXXX XXXXXXXX XXXX to be sure to note my account and not report anything as this was not my error and I am doing my due diligence to be sure I am paying the correct company. I had trouble with getting someone from XXXX explain and show me the loan amt they paid for my loan. After I filed a compliant someone contacted me to explain. They confirmed they purchased the loan minus the first payment of XXXX XXXX. As soon as I confirmed I called XXXX XXXX to make payment. I asked that late fees be reversed and nothing show. as pass due as it was not my fault and never recieved any calls from anyone. They have reported a late payment to credit agency. I would like to have this removed immeditally. I have worked really hard to keep my credit in good standing.

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 2023-12-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Selene Holdings LLC
State: CA

Complaint narrative:
House is in escrow for $ XXXX. COE date has passed, Approx 45 days ago, I asked for a payoff amount. Was given $ XXXX as correct amount. I then negotiated the junior lienholders liens. After agreements were reached with all XXXX XXXX, the XXXX XXXX XXXX XXXX ( Selene Finance , LP ) said the payoff amount is $ XXXX. Now unable to close escrow. Proof for explanation of change has been inadequate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally complain about the persistent challenges I have encountered in correcting late open accounts and removing charge-offs from my credit file. Despite multiple attempts, the inaccuracies remain on my credit report, causing undue distress and adversely affecting my financial standing. 

I have diligently followed the established dispute resolution process by submitting dispute letters, providing supporting documentation, and engaging in communication with your representatives. However, despite my best efforts, these inaccuracies persist, significantly impacting my creditworthiness and creating obstacles in securing credit and favorable interest rates. 

I request an immediate and thorough investigation into these matters to rectify the inaccuracies on my credit report. I expect a detailed response within the exact timeframe acknowledging the receipt of this complaint and outlining the steps that will be taken to address and rectify the late open accounts and remove the charge-offs. 

Should this matter not be resolved promptly, I XXXX be compelled to escalate my complaint to regulatory authorities and seek legal counsel to protect my rights. I am asking for your assistance to correct this late open account and remove the charge off in my credit file : XXXX XXXX XXXX XXXX : {$5100.00} Date Opened : XX/XX/2020 - You are reporting different information from other bureaus. XXXX FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX XXXX XXXX : {$0.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.

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 2023-12-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: AES/PHEAA
State: NH

Complaint narrative:
I borrowed " originally '' {$25000.00} - I deferred for 10 years - being a single mother raising XXXX children I could not afford to provide the care they needed and pay my student loans. In XXXX, I started working for the XXXX XXXX XXXX XXXX XXXXXXXX, full time. I applied for loan forgiveness, as it was my understanding working for a non-profit company/State or government company would allow for loan forgiveness. I applied for loan forgiveness around XXXX ( maybe earlier ). I received a letter that I " did not qualify ''. I have contacted my lender ( AES ) and they told me my loans are not eligible for loan forgiveness. By XXXX, when I could " almost '' afford to start repaying my loans, my new balance was greater than {$60000.00}. I did receive a few deferments in my early years of repayment but now am told I do not qualify for deferment. I left working for the XXXX XXXX XXXXXXXX  in XXXX and started working for the XXXX XXXX XXXX in XXXX, where I continue to work full time. I am a XXXX XXXX and I worked through the pandemic and while I love my job, working for XXXX XXXX XXXXs not a huge salary. I just put in a new application for PSLF and after filling this out a message came across the screen that " this program ended in XXXX of XXXX. I am frustrated and can't seem to get the answers needed to make this ridiculous loan amount affordable. I have MORE than paid back what I borrowed in XXXX and honestly, will never live long enough to pay this loan off. In the almost 20 years I've been paying on this loan it has only dropped a few XXXX dollars. This makes no sense to me. I really need some help and have no idea how or where to get it. You are my last option at this point. I don't understand how with all the billions of dollars being forgiven by our current political administration, how I, with a 30 year loan, that I have paid on for the last 20, do not qualify for any graces. Any help you can provide would be so greatly appreciated! 
Respectfully submitted, XXXX XXXX ( XXXX XXXX - loan name )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I applied for a Pen Fed Credit Union credit card. I received my denial letter, dated XX/XX/XXXX. The credit card application number is XXXX, and the reason for denial was " We are unable to verify the identity of the applicant and/or the co-applicant ''. 

XX/XX/XXXX at XXXX pm, I requested the name in writing from the first Cust svc agent at XXXX. The agent refused, but instead shuttled me to the inside XXXX call center. XXXX has refused to provide me with a credit report, because they have false information on my report, have refused to remove it and demand that I present false ID that matches what they have on it. That call resulted of course, in nothing. 

XX/XX/XXXX at XXXX XXXX, I requested the name on my denial letter in writing from the second Customer service agent, at XXXX. XXXX stated the same, " We collect our information from XXXX. I can't email you anything, but we can give you the number for XXXX. '' I declined that as it is not what I requested or needed and XXXX has denied three requests plus false IDs. I asked for a supervisor. 

XX/XX/XXXX at XXXXXXXX XXXX the Pen Fed supervisor called me. I explained the same requirement as described in the Fair Credit Reporting Act. When a consumer is denied credit, the! ) Reason and 2 ) Source must be included in the denial letter. This supervisor said " We typically don't do that. '' I repeated that it is Federal Law, and I am entitled to that same form with the listed reason " Unable to verify identity '' along with XXXX as the source. She stated that she would see what she could do, because typically they get all their information from XXXX. I demand this properly formatted letter with XXXX as the source from PenFed Credit Union and a cease to their violation of the law.

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 2023-12-14 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: GA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX  XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX , GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$450.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$410.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$8400.00} ; XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/2019 Reference # : XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-12-14 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX , GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$450.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$410.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$8400.00} ; XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/2019 Reference # : XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to dispute and request the removal of inaccurate and fraudulent information from my credit reports, as well as to address the ongoing false claims made by collection agencies. The following addresses and accounts were created in fraud, and I have legal documentation to support my claims. 

Fraudulent Address : XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, PA Fraudulent Accounts : LVNV FUNDING LLC XXXX {$2400.00} - Went to court** Legal proceedings related to Case Docket XXXX File No XXXX, XXXX, PA Court . I won in court, proving I never lived at the address. The person who stole my identity used a fraudulent internet account for payments and credit increases. 
LVNV FUNDING LLC XXXX {$1200.00} - XXXX XXXX* LVNV FUNDING LLC XXXX {$440.00} - XXXX XXXX* LVNV FUNDING LLC XXXX {$920.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$1600.00} - No Data** Court Case Reference : Case Docket : XXXX File No : XXXX Location : XXXX, PA Court I have attached the necessary court documents proving my innocence and the fraudulent nature of these accounts and addresses. XXXX has failed to remove the address XXXX XXXX XXXX XXXX, XXXX, PA, and I request its immediate removal. 

Moreover, I have disputed the collection claims through the collection company and the credit bureaus, and the information has not been removed. This false reporting is holding my credit hostage. 

If the collection agencies choose not to remove these false reports, I demand that the cases be moved to arbitration. THE collection agencies need to initiate an arbitration proceeding with XXXX or XXXX I do not want my case made public, as I have already been through one case publicly for something I am not at fault for, and the experience was degrading. 

I expect your prompt attention and cooperation in resolving these matters. Please confirm in writing the removal of specified accounts and addresses and provide guidance on initiating arbitration proceedings. 

Thank you for your immediate attention to these serious matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime has not been reporting my Credit Score to the Financial Bureaus. I have a long history of using chime a my primary bank account for about 3 years. and they have failed to create a credit score for me. 

Applied for the Chime Credit Card on XX/XX/2021 ( Email Print out Attached ) I am also attaching the documentation of the disputes filed with chime on this and they have replied with " everything is correct '' - which it is not. 

Because of this whole mess, I had to open up a new credit card with XXXX as an authorized user which costs {$350.00} annually. Hence I would like to get my credit score updated from by filing this disputed with XXXX, XXXX and XXXX. I also want Chime to cover the {$350.00} I had to spend to open this new account. 

Please find all the attached Credit Card statements that chime has not reported to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to express my deep dissatisfaction with your decision to decline my identity theft claim. It is essential to clarify that your organization lacks the authority or legal position to determine whether I have been a victim of identity theft. Only I, the individual directly affected, can ascertain this fact. 

The following accounts are NOT MINE XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

Your refusal to acknowledge my identity theft claim compels me to take this matter very seriously. Should you persist in declining my position, I will not hesitate to consult with my attorney to pursue all available legal remedies to rectify this situation. I trust that it is in both of our interests to avoid such an unnecessary legal course of action. I reject your offer & advise you to process my dispute per FCRA laws. Otherwise, we will be seeking a legal remedy in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: Collection Management Services, Inc.
State: AZ

Complaint narrative:
I just looked at my consumer reports and noticed a collection on an account that is not mind. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never had this account and did not provide written consent to report the account : COLL MGMT SR : [ XXXX ]. 

Please investigate and provide proof with statements showing that this collection is mine and proof that I authorized the reporting of this information. If proof can not be provided I demand these collection accounts be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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. 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.

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