vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of debt XXXX  and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXXXXXX XXXX XXXX XXXX XXXX bal. {$1100.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I was approved by the Dept of Education for a federal loan discharge on XX/XX/year> due to the court case against the XXXX XXXX ruling there was misconduct, and I later read in a XXXX article that I should apply for the private loan forgiveness as well. My servicer Navient was trying to conceal this option ( they don't have this type of application on their website and the applicable check box isn't available when uploading the doc ). I found the application online through the article and applied with Navient and was denied. I called to ask about this, and they claimed I was denied because my loan was a consolodated loan ( with Navient ) and would never qualify for discharge. However, I confirmed that my loan was a Signature Student Loan ( with Navient ) before consolodating, and they said that type of loan would have qualified. Navient had pressured me to consolodate, claiming that I did not have another option, knowing that it would disqualify me for future forgiveness. They now will not give me further information, an appeal process, or anyone else to talk to. I think my loan should be eligible for discharge since it was determined by the courts and the Deptartment of Education as a case of misconduct, and because my loan was a qualifying Signature Student Loan with Navient until they pressured me to consolodate. It doesn't make sense and is not just.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: 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.

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 2024-07-22 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: NC

Complaint narrative:
I refinanced my vehicle from XXXX in XX/XX/XXXX. I received a notice that a late payment would be reported to the credit bureaus if payment was not made by XX/XX/XXXX. My payment was received on XX/XX/XXXX for the full payoff amount. XXXX later reported my final Payment as late causing my credit score To drop significantly. I disputed the inaccurate information immediately following the negative 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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I refinanced my vehicle from XXXX in XX/XX/XXXX. I received a notice that a late payment would be reported to the credit bureaus if payment was not made by XX/XX/XXXX. My payment was received on XX/XX/XXXX for the full payoff amount. XXXX later reported my final XXXX as late causing my credit score To drop significantly. I disputed the inaccurate information immediately following the negative report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: MI

Complaint narrative:
I had just came home a few days before my payment was due I remembered and I was paying online. Im mistakenly put in the wrong account number twice after realizing what I have done. I contacted the company Discover card and paid it online. They did receive their money and they did, cut my card off for fraudulent activity they said it because I put the account number in there wrong twice. They did not offer to reopen my account. They continue to build me every month and they wont give me my car back even though I was paying on time. I am aware that they have taken my application and turned it into a security on the secondary market and they have been fully compensated from securities on the secondary market because of my and other applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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.

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
Consumer complaint received 2024-07-22 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.

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 2024-07-22 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: HW Holding, Inc
State: GA

Complaint narrative:
In XX/XX/year> I moved to condominium in XXXX XXXX XXXX. I was placed on XXXX XXXX. While I was there the shower caved into a garage. My car was towed because the management gave me expired tags. The floor was dug up by contractors I was locked out and served and with eviction notice. The placed had been unoccupied for years and not maintained. The pipes were leaking inside the walls. I filed multiple complaints with XXXX XXXX XXXX and XXXX. They threaten to evict and sue me if I didnt give them {$8000.00} XXXX XXXX XXXX The pipes the flooding and floors had nothing to to do with me. All I did was live there. I was there 3 months. I received letters of threats from neighbors because the walls was leaking. The plumber threatened me. I gave them {$6000.00} and they filed for eviction. Now hunter warfield has me in collections for the property. I am uploading one of the many documents regarding this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I opened an account with a XXXX  site and spent about {$200.00}. 
Within about a month I was missing close to XXXX which was charged by the site in numerous transactions that I did NOT authorize All of these transactions occurred in XXXX of this year. 
I filed a complaint with Chase bank and they returned almost XXXX back to my account but I'm still missing almost XXXX. Two transactions were for XXXX and I wasn't notified or called by Chase bank to ask if it was me that was making this purchase, they just continued and approved all of the purchases. I have been really stressed out about this and even tried to commit suicide once because I'm backed up with my rent, utilities and all other bills. 
I am not happy with Chase bank for letting this happen and when I called their fraud department again they basically said that they were dismissing my case. I don't know what to do anymore but I want this resolved before I do something crazy. I need my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: AL

Complaint narrative:
This account has inaccurate reporting. The company has failed to properly investigate. These accounts do not belong to me. If not resolved, I will sue for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Westlake Services, LLC
State: LA

Complaint narrative:
Balance of {$12000.00} Creditor/Violator : Westlake Financial XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, California XXXX On or about XX/XX/year> Westlake financial entered into an agreement with me to reduce by outstanding loan liability to half after I lost my vehicle in a flood. They wrongfully submitted a letter of guarantee to the insurance for full payment instead of the agreed reduction of half, collected and pocketed the entire amount and refuse to acknowledge the settlement contract between us. Westlake was also involved in usuary loan and excessive interest rates under original loan. I made an amicable demand for settlement/case file but the corporation ignored all my request. 

The settlement agreement was via emailed with an installment plan that was initially paid and began before they received a payout from insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: TomoCredit Inc.
State: TX

Complaint narrative:
I paid a company a membership fee in exchange for credit report to help Boost my credit profile after two months and no results they continue to offer more products and discounts but not do what they claim to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to express my serious concern regarding the inaccuracies on my credit report. Despite multiple requests for investigation, I have yet to receive a satisfactory resolution or corrective action. These disputed accounts are having a severe impact on my credit file and significantly affecting my daily life. 

The inaccuracies have caused immense hardship, and I am now compelled to request your immediate assistance in addressing this matter. Please conduct a thorough investigation into each of the disputed accounts and take prompt action to update and correct my credit report. 

Restoring the accuracy of my credit file is crucial for my financial well-being, and I urgently need your help to rectify this situation without further delay. Your swift action and cooperation in resolving this issue would be greatly appreciated. 

Thank you for your understanding and prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2024-07-22 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: CA

Complaint narrative:
Please take my complaint seriously, there are information that are false and not the maximum possible accuracy that is being reported on my credit report. This errors are causing me extreme stress, affecting me unfavorably.

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 2024-07-22 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: MI

Complaint narrative:
I am a victim of XXXX XXXX of Debt bondage and would like for all listed accounts to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: MD

Complaint narrative:
unfortunately, I am a victim of human trafficking of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-07-22 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 express my serious concern regarding the inaccuracies on my credit report. Despite multiple requests for investigation, I have yet to receive a satisfactory resolution or corrective action. These disputed accounts are having a severe impact on my credit file and significantly affecting my daily life. 

The inaccuracies have caused immense hardship, and I am now compelled to request your immediate assistance in addressing this matter. Please conduct a thorough investigation into each of the disputed accounts and take prompt action to update and correct my credit report. 

Restoring the accuracy of my credit file is crucial for my financial well-being, and I urgently need your help to rectify this situation without further delay. Your swift action and cooperation in resolving this issue would be greatly appreciated. 

Thank you for your understanding and prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: TX

Complaint narrative:
Hello all, please see supporting correspondence for my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: TX

Complaint narrative:
Hello all, please see supporting correspondence for my complaint.

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 2024-07-22 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: NY

Complaint narrative:
I am writing to formally express my deep concern regarding the disputed accounts currently listed on my credit report. Despite repeated attempts to address these inaccuracies, I have yet to receive any satisfactory resolution or corrective action. These errors are significantly impacting my credit profile, causing severe hardships and affecting my ability to manage my financial affairs effectively. 

The inaccurate accounts in question have tarnished my credit file and are unjustly impeding my daily life. Therefore, I urgently request your immediate assistance in conducting a thorough investigation into each of these disputed accounts. It is crucial that the necessary steps are taken promptly to rectify and update my credit report. 

I kindly ask that you initiate the investigation process without further delay and ensure that all erroneous information is corrected in accordance with the Fair Credit Reporting Act. Restoring the accuracy and integrity of my credit file is essential for me to regain control over my financial well-being. 

Your prompt attention to this matter is greatly appreciated. I look forward to your swift response and the resolution of this issue at the earliest convenience. 

Thank you for your cooperation and understanding.

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