vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-23 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 2024-11-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
Please be advised this is NOT a refusal to pay, but a notice sent pursuant to the FAIR DEBT COLLECTION PRACTICES ACT 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request your office provide me with competent evidence that I have a legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major bureaus ( XXXX, XXXX, or XXXX ) this action may consult in fraud under both Federal and State laws. Due to this fact, if any negative mark is found on my credit reports by your company, or the company that you represent, I will not hesitate in bringing in legal action against you and your client forbthe following : Violation of the Fair Credit Reporting Act, Violation of the fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during at which time all collection activities must CEASE AND DESIST. Also, during this validation period, if any action is taken which could be considered detrimental to amy of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 

IF YOUR OFFICES FAIL TO RESPOND TO THIS VALIDATION REQUEST WITHIN 30 DAYS FROM THE DATW OF YOUR RECEIPT, ALL REFERENCES TO THIS ACCOUNT MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE AND A COPY OF SUCH DELETIONS REQUEST SHALL BE SENT TO ME IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Complaint Regarding Inaccurate Credit Reporting and Lack of Accountability Dear Consumer Financial Protection Bureau, I am filing this complaint to request your assistance in resolving ongoing issues with my credit reports and the mismanagement of my credit score by credit reporting agencies and creditors. 

Despite maintaining a spotless payment history across all my accounts, paying balances well before their due dates, and consistently staying within my credit limits, my credit score has inexplicably dropped. I have made repeated efforts to resolve this issue with the following companies : Credit Reporting Agencies : XXXX, Equifax, XXXX, XXXX Creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unfortunately, my complaints have been met with deflection and denial of responsibility, leaving me without clear answers or a resolution. This mismanagement is directly affecting my financial reputation and opportunities. 

To address this, I am requesting : A comprehensive review of my credit reports across all bureaus. 
The correction of any errors or inaccurate entries. 
Accountability for ensuring accurate and transparent credit scoring practices. 
I am providing detailed records of my communications with the above companies and my credit reports for your review. 

I trust that the CFPB will act as an advocate to enforce accountability and protect consumers like me from systemic negligence and harm. 

Thank you for your time and attention. I look forward to your support in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Complaint Regarding Inaccurate Credit Reporting and Lack of Accountability Dear Consumer Financial Protection Bureau, I am filing this complaint to request your assistance in resolving ongoing issues with my credit reports and the mismanagement of my credit score by credit reporting agencies and creditors. 

Despite maintaining a spotless payment history across all my accounts, paying balances well before their due dates, and consistently staying within my credit limits, my credit score has inexplicably dropped. I have made repeated efforts to resolve this issue with the following companies : Credit Reporting Agencies : XXXX, XXXX, Experian, FICO Creditors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unfortunately, my complaints have been met with deflection and denial of responsibility, leaving me without clear answers or a resolution. This mismanagement is directly affecting my financial reputation and opportunities. 

To address this, I am requesting : A comprehensive review of my credit reports across all bureaus. 
The correction of any errors or inaccurate entries. 
Accountability for ensuring accurate and transparent credit scoring practices. 
I am providing detailed records of my communications with the above companies and my credit reports for your review. 

I trust that the CFPB will act as an advocate to enforce accountability and protect consumers like me from systemic negligence and harm. 

Thank you for your time and attention. I look forward to your support in resolving 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 2024-11-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WI

Complaint narrative:
I have asked the status of my XX/XX/XXXX refund request for a payment they calculated incorrectly in XX/XX/XXXX three times now within the last couple of weeks. The last status update I received was in XXXX, with the response being that it was pending review. All I want to know is if it still pending review, or if it has been approved or denied. They will not answer the question. This is unrelated to forgiveness, but twice now I've received a standard answer related to forgiveness. I don't know why it's so hard to answer a question that they did answer in XXXX. It should not be this hard to check the status of a refund request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/year>

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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have a PenFed auto loan and it's reporting late payments that should not be there. My due date is the XXXX of each month and I have bank statements as well as loan statements that show my payment was collected and applied before 30 days.

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 2024-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Per the FCRA as a federally protected consumer, I have opted out from any written, unwritten, verbal or non verbal authorization as per 15USC6802-5. XXXX XXXX HASNT FURNISHED ANY 1099-C Documents to ensure this charge off was reported to the IRS. INCOME Transactions can not be reported and since a charge off is income selling it as a debt is unlawful and violates privacy act of XXXX as Portfolio recovery has done. Also XXXX XXXX  has done

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: CT

Complaint narrative:
I have exhausted my attempts at requesting that my personal loan with my credit union be corrected to show that it is an open account and a current account Equifax has not contacted the credit union to verify They continue to show this loan as closed I have contacted my credit union and they confirm that Equifax has not contacted them Also XXXX XXXXXXXX is not my account I have contacted XXXX XXXX XXXX They confirm that my social security number is not in their system XXXX and XXXX have fixed this issue in their system but Equifax has not I also believe they are not contacting XXXX XXXX XXXX If they contact them they would verify that account has a similar name and a different social security number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: GA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
American express has abused their authority to collect a debt. 1099-C has been furnished to the company for method of discharge as per the arbitration agreement and Per 15 usc 1681604 15usc6802-5 also 16CFR313.2 PER FCRA as a federally protected consumer I have opted out in any authorization of the following communication ( Unwritten, written, verbal, or non verbal ) As per 15USC6802 AMERICAN EXPRESS has shared my information with third party non affiliates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: FL

Complaint narrative:
I am writing to formally submit a complaint against Mohela Student Loan, and XXXX XXXX XXXXXXXX XXXX regarding my accounts. I am invoking my rights under the Truth in Lending Act, specifically 15 U.S.C. 1635, which grants me the right to rescind the loan agreement due to failure to provide required disclosures,. 

I hereby notify the persons of my intention to rescind the loan agreement and request that they acknowledge this rescission in writing. I expect all related documentation to be provided to me within the statutory time frame. 

Additionally, I am invoking my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692c ( c ), to request that the persons cease and desist all collection activities and refrain from any further credit reporting related to this account. I do not wish to be contacted regarding this matter, and I expect all collection efforts to stop immediately. 

Please ensure that this complaint is processed and that I receive confirmation of the actions taken in response to my requests. I appreciate your attention to this matter and look forward to your prompt response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had my Mortgage Loan with Truist Bank on XXXX, without any problems or issues. Then at the beginning of the year they sold my Loan to XXXX XXXX XXXX, at the time the entire transanction was done I was not in XXXX at my house and was not receiving the mail correctly, therefore I continued to make payments to Truist until XX/XX/year>, the problem is that all the payments that I made till XXXX were transferred correctly to XXXX XXXX, except the payment that I send on XX/XX/year>, this payment was not applied to the Truist Account or to the New Lender ( XXXX XXXX ). I had a previous complaint with you # XXXX ( and I received an e-mail yesterday telling me that case was closed and resolve/ which is not true ). The amount of the payment is {$1200.00}, I am attaching receipt from my Bank with the information of the payment and also the transaction number. I honestly don't know what to do anymore, I am a retired person and can't afford to lose this money. Can you please tell me what to do???

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 2024-11-23 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: FL

Complaint narrative:
i have submitted disputes to you and i didnt get response within 30 days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXXXXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-11-23 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX  Account number - XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Account number XXXX {$930.00} XXXX Original creditor : XXXX XXXX XXXX XXXX Account number XXXX - {$1300.00} INQURIES XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date Sep 2026 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate. 

15 U.S.C 1681 C-2 15 U.S.C 1692g 15 U.S.C 1681IS-2 15 U.S.C 1681i 15 U.S.C 1681b 15 U.S.C 1681i 15 USC 1681b - 15 U.S.C 1681IS-2 15 U.S.C 1692g 15 U.S.C 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e-

Company response to consumer: Closed with non-monetary relief