vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-22 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: OH

Complaint narrative:
I cant delete accounts directly, but I recommend reaching out to the support team of the platform you're using. They should be able to assist you with account deletion. If you need help finding the right contact information, let me know!

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 2024-09-22 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TAG Intermediate Holding Company, LLC
State: NY

Complaint narrative:
On Saturday, XX/XX/XXXX, an agent called around XXXX pm est. XXXX was calling me to collect the payment that was due this past XXXX, XX/XX/XXXX. I explained to the agent that I could not pay it until I get paid this following week. I am only XXXX payment past due and not even a week past due. The agent stated that if I couldn't make a payment then that my account would be at risk of repossession. XXXX auto group doesn't seem to train their employees on the FDCPA guidelines. When I asked the agent about if he knew the guidelines he responded no. The agents with this company will say anything to scare you into paying the account and not care that they aren't abiding by specific regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: GA

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. 

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 informationisinaccurate. 
Please remove these Inquiries 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 2024-09-22 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Under 15 U.S. Code 1681s2 Dear Consumer Financial Protection Bureau, I am writing to bring to your attention the responsibilities of data furnishers under 15 U.S. Code 1681s2, specifically regarding their obligation to provide accurate information.

It has come to my attention that Equifax has reported inaccurate information to XXXX XXXX 's Platform. Despite having actual knowledge of these inaccuracies. As outlined in the law, furnishers of information are prohibited from reporting information if they know or have reasonable cause to believe it is inaccurate. 

I have made several attempts to resolve this issue directly with Equifax. This situation not only affects my creditworthiness but also violates my rights as a consumer. 

I urge the CFPB to hold [ Equifax ] accountable under the provisions of the Fair Credit Reporting Act and to ensure that they are compliant with their responsibilities as data furnishers. Additionally, I would appreciate any guidance on further actions I can take to resolve this matter effectively. 

Thank you for your attention to this important issue. I look forward to your prompt response and assistance. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: CA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: W&A Intermediate Co., LLC
State: IL

Complaint narrative:
I contacted Wakefield and Associates regarding my debt. I asked him what the debt was for and they stated that it was for an emergency room visit from the doctor. But they did not have the doctors name or the hospital name. They told me to contact my insurance company. I did contact my insurance company and ironically, I had a doctor visit on the same date. However, this was approved by my insurance company and was paid for. Just for good measure, I contacted the doctor just to make sure I didnt have a balance which she stated I did not. So I have no idea what the stat is for. I opened a dispute but was told that the debt was accurate. I appealed that dispute. The appeal also came back as the dispute is accurate. I have been trying to contact XXXX, but no one seems to be able to help me. I have also contacted Wakefield and associates several times. And they are no help either.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: FREEDOM FINANCIAL NETWORK
State: VA

Complaint narrative:
Freedom debt relief collected over XXXX dollars to help me with debt from XX/XX/XXXX through XX/XX/XXXX. They paid off XXXX debt of XXXX dollars and then negotiated with another personal loan of XXXX dollars said they settled it but took about XXXX dollars and then took out a loan to pay it without telling me. They also negotiated another credit card and paid XXXX dollars on it I called them to cancel with them. They said they didnt care what I did and let me talk to a representative that practically cuss me out and wanted more money they told me they would refund me over XXXX dollars that was in my account. They havent settled yet and didnt pay what was settled. They charged me over XXXX dollars for no work done. I feel this company lied about their policies and what they were going to do for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: WSFS FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am getting to the end of my mortgage term and I want to pay it off early. I always make my payments early and with extra toward the principal. Up until XX/XX/year> the banks payment summery coincided with my on line bank payment history. Staring in XXXX, the bank payment summery was all over the place and not able to be understood by me. It used to simply show XXXX entries per month, XXXX for the payment due with the interest and principal breakdown and XXXX with the extra principle that I pay each month. Starting in XXXX there are multiple entries on the banks statement with debits and credits all over the place, sometimes up to XXXX different entries. I can no longer compare my payment history with their payment summery and it make any sense. It looks to me the I did not get credit for some of the principal payments I had made. I went into the bank and explained- they said the loan dept. wont speak to customers directly, that they would act as a go between. The answers I had gotten was this was all because I was also ahead of the monthly payment by over a month and the new software calculate it this way. I'm sorry but that is a ridiculous answer. I requested a payoff quote along with a clear document of the payment summery. They sent me a copy of the summery that I already had that make no sense and a payoff quote which was appox {$3200.00}. I sent an email to the asking why the payoff quote was {$250.00} higher than the balance- I had gotten no response. I then decided since they said I was ahead of my payment by over a month and I should not do this, I decided to skip the XX/XX/year> payment and see what happens to their statement. Well XXXX of what I thought was lost principal payment now reflects as a payment on XX/XX/year> on their summery and I also received a missed payment letter with a late payment fee. It then changed my estimated payoff amount which makes me confuse how they determined the original payoff quote, which now changed, without my paying more money? I really am uncomfortable on what I really owe to pay off my loan and the manor in which this is determined. A customer should be able to understand and follow the process. In short I think there is still at least XXXX more principal payment that is not showing up however I can prove it with the documents XXXX way or the other. I want to pay off my loan and be done with this!

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 2024-09-22 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: MI

Complaint narrative:
I have sent multiple certified letters to resurgent capital aka lvnv asking for verification of this debt on multiple accounts which they failed to provide lvnv owns this debt not me they purchased the debt from the original creditor and I have no contract with them for the money they claim I owe them..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: MI

Complaint narrative:
Diversified ADJ SVC balance {$1300.00} Opened XX/XX/XXXX I have no knowledge of this Account This closed accounts, I have no knowledge of XXXX XXXXo {$920.00} XXXXXXXX XXXX {$430.00} XXXXXXXX XXXX {$580.00} XXXX  {$130.00} XXXX  {$65.00} These accounts are hindering my credit file. Please remove.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I was XXXX XXXX XXXX just trying to go to college when I was forced to sign paperwork and told a bunch a lies at the first school I went look at which was XXXX XXXX. They told me all the nice things that they wanted me to hear and told me that I would only have federal loans, but I didnt end up with just federal loans I had private loans as well and didnt notice until I got older. Looking back, I signed paperwork that I didnt even get a chance to read because they snatch it back so fast. My program at the school was a scam, they took the program away from us and had us go to another program which really wasnt a good fit for me. Next thing I know Im XXXX almost XXXX XXXX XXXX with all this debt that is so hard to pay back when I was used by this school as well as many others. My federal loans has been discharge due to the fraudulent behavior by this school, but my private loans have not. Navient denied my application. Its so hard to find a place to stay or even do things I want to do with all of this hanging over my head. I just want these loans to go away so I dont have to spend the rest of my life struggling and stressed out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightened my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: CA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2024-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
Transworld systems reported to my XXXX after balance was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: CA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2024-09-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OH

Complaint narrative:
XX/XX/year> Can not access my account online. Website looks suspicious- blurry MOHELA icon, email links to pay dont always work, email was inverted in colors, log in not allowing me to access my account or any thing through MOHELA. This is not the first time this has happened, but I can not recall other specific dates. Customer service never gets me to a human or I get disconnected. 
Reminder emails to pay at the end of the month arrive at the beginning of the month, reminding me to pay soon but then no reminders again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: FL

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: FL

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2024-09-22 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: FL

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2024-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: PA

Complaint narrative:
Penn credit is reporting to my credit as balance being owed after I paid the collection in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightened my concern regarding the security and handling of my personal information.

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