vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-22 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: IN

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-11-22 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: KY

Complaint narrative:
Subject : Request to remove incorrect information from my credit report Dear Sirs : I am writing to dispute the accuracy of the following information in my credit report, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. After reviewing my report, I have identified incorrect information that unfairly affects my credit score and would like to request removal of this incorrect information. 

Account details in dispute : * Creditor or Institution Name : XXXX XXXX Account Number : XXXX Reason for Dispute : This account contains incorrect information that does not accurately reflect my financial history. Pursuant to Section 611 of the FCRA, I have the right to have my credit report accurate and verifiable. 

Since the information is incorrect, I request that it be removed from my report or, alternatively, that its validity be verified within 30 days. Additionally, pursuant to the FCRA, the credit bureau must confirm that all information provided by creditors is accurate and verifiable. If the creditor can not provide detailed and valid documentation justifying the accuracy of this information, I demand that this account be deleted in its entirety. 

Request for Documentation To validate the accuracy of this account, I request that copies of all related documentation be sent to me, including : * Original contracts signed by me. 
* Communication records showing my relationship with this account. 
* Evidence showing that the account is valid and accurate. 

If these documents can not be provided, the account must be removed from my credit report pursuant to the FCRA. 

Request for Confirmation Please confirm in writing that the account has been removed or, if applicable, that it has been changed on my report. I look forward to receiving a copy of my updated report to verify that the change has been made. 

Thank you for your attention Sincerely, XXXX XXXX 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 2024-11-22 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your 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 explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX and XXXX trying to collect the money out of my bank account and put me in the negative. I'm still receiving emails talking about the account is past due. They also put me in the credit collections such as Transunion, XXXX and 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 2024-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Linebarger Goggan Blair & Sampson LLP
State: TX

Complaint narrative:
I sent a certified mail letter requesting a debt validation in accordance with 15 USC 1692g, specifically asking for proof that I owe the alleged debt, a complete account history, a copy of the original agreement bearing my signature, and evidence that they are legally entitled to collect the debt. Despite my request, they have failed to provide the requested information or remove the alleged debt from their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: FL

Complaint narrative:
These two Student loan accounts do not belong to me. I have been trying to delete them for years. This Is against the law 15 US code 1681 I have also filed identity theft.

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 2024-11-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
My car was total XX/XX/year>, and I report the claim to credit acceptance and gave them the report number to the wreck, I told them I had gap insurance on the car through them, they ask me to send the documents over, I sent it through there XXXX, they said they was going to send the insurance company to look at the car, that never happen, Im still getting harass and threaten to send my gap insurance documents, that I sent 2 times to them! Every time I try to log into the portal, its saying unable!

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 2024-11-22 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: SC

Complaint narrative:
My Credit profile was part of an Equifax breach which was acknowledged by Equifax. Since then I tried on numerous occasions disputing the accuracy of my credit profile. In 2022 a fraud alert was placed on my profile with all three credit agencies specifically informing all creditors to call and verify before running or issuing any credit in my name... since then several accounts and inquiries have been documented on my report without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: FL

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports I notice some accounts I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed I have submitted an FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, FTC complain, XXXX  report showing exposed data breach information, and debt validation letter.

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 2024-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
Mr Cooper continues to provide an abysmal service since acquiring my mortgage in XXXX of XXXX. The continuous system issues with their website and process that makes in next to impossible to get a human being on the phone is unacceptable. I have been unable to get an escrow analysis and my mortgage payment has been fluctuating. I have been trying to access these documents for almost a month. Previous tries were futile after the website was undergoing " maintenance. '' After requesting an escrow analysis through the website on XX/XX/XXXX I was told through the online chat that one isn't scheduled until XXXX of XXXX. I tried going to the documents page and was immediately booted from the system. Mr Cooper has had my mortgage for over 6 months, it should not take 17 months to get a proper escrow analysis, especially after my mortgage went up over {$600.00} a month in the last year. It is also unacceptable they continue to have so many system issues considering this is the primary way consumers manage their account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2024-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I have been getting charges by synchrony banks payment security program ( XXXX ) XXXX since 2018. I did not know I was signed up for this program. They had advised it was part of their deal when I signed up in 2018 and it has to be a verbal or electronic agreement on when I signed up. I asked for proof and I want my money back! I have no need for this progrM

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 2024-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I received a debt collection notice after I won a disputed transaction through my credit card company. The collection notice is {$740.00} while the disputed transaction I won is {$550.00}. 

What upsets me the most is because there is NO FAX OR EMAIL on the notice. 

The collection agency ( XXXX ) gave me 40 days to respond either by writing or calling to either XXXX or XXXX ( the creditor ). I immediately called each of them 3 times. 

Knowing that they can easily deny my respond, each time I called and left messages, I specifically asked them to write me an email that acknowledged my respond. 

Unfortunately, the life agents of both companies refused to send me an email or any formal letter that acknowledged my respond. 

So, the only way for customers to get written proof of their respond by certified receipts mail. That will be time consuming, laborious, and expensive. 
I feel that it was arranged that way in order to trap to vulnerable people. For example, senior citizens with diminishing mental capacity, mentally XXXX, and limited English speaker. 

Most vulnerable people will not spend extra postage for return receipt, let alone to line up for hours at the post office, just to get written proof of their responds. 
So, I filed a complaint with XXXX ( to get the creditors fax number and get written proof of my respond ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: MA

Complaint narrative:
Took out a XXXX through Sallie Mae. Initially had issues with them not deferring payments as they were supposed to. Then through practice of threats paid off some of the debt and began a payment plan. Paid on plan for 5 years. In those years only paid off the {$10000.00} of fines and interest ( on a total loan of {$20000.00} ) When Sallie Mae went under the loan just stopped payments and we received no information about the new debtor, still do not know who purchased the initial loan even after requesting documents. XXXX year later we got sent to Debt Collection through XXXX and XXXX Attorneys at law in XXXX Ma. So after Sallie Mae Crashed we were given no new documentation then the next we heard of the loan it was at a debt collection agency a year later with a final date threatening to take us to court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I did not sign up for overdraft protection on this account, and yet, they paid {$8.00} and {$10.00} transactions and then charged me {$36.00} SIX times plus added a {$34.00} service charge for the excess transactions which they initiated not me. 

I have now lost {$250.00} to Truist Bank! It's like they stole money from me and I'm helpless to recover it. I called and they told me an algorithm says they can not return any of these fees... They literally stole over {$250.00}!

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 2024-11-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: Amsher Collection Services, Inc.
State: UT

Complaint narrative:
After repeated early calls and calls while working, and throughout the day, I tried to ask this company why they were calling. They never explain what debt they are claiming, use aggressive language, refuse to send information in writing and keep calling multiple times a day. I told them do not call me again or i will file a harassment complaint with the ftc on XX/XX/XXXX, yet they still call every day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I recently reviewed a copy of my credit report. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information 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 non-monetary relief
Consumer complaint received 2024-11-22 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: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-22 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: TN

Complaint narrative:
Fraudulent credit card opened in another state under my name. Card opened at " XXXXXXXX XXXX  '' XXXX # XXXX is still bening used by fraudulent individual. Bank submitted balance to collection agency " XXXX XXXX XXXX '' which also may be fraud. They are pressuring me to pay this fraudulent balance. The bank and this collection agency may be in collusion to defraud consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I was charged interest prematurely on my account, the payment is due in XXXX or XXXX weeks and the billing cycle just closed on the XXXX of this month. The customer service persons XXXX and XXXX the supervisor were stating it was coming from the previous statement balance of XXXX which is untrue since I paid it in full, on time. My current statement clearly stated the interest is for XXXX. I havent been given the opportunity to actually pay this so I dont get charged interest because they already included it off the bat.

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