vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-02 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:
Experian the Credit Bureau out of all other 3 Bureaus is refusing to help with a dispute for an account that is not mine. I'm attempting to dispute a notice from XXXX XXXX XXXX XXXX XXXX for a bill of {$400.00}. Since this bill is now in collections, it was showing on my credit report throughout each bureau. I made it VERY clear on my dispute notes that this was a mix up in which this debt is for my father and not me. I myself, has NEVER had services with XXXX XXXX and the lack of help that they are giving me is unfair and harming my credit.

So far I filed a total of 3 disputes with them and each came back with the same result, " verified as accurate '' within 3 business days MAX. Commonly known, if someone was to file a dispute, the investigation would take a total of 30 days. If properly investigated, you should expect your results by the XXXX or XXXX week from filing. Even after providing documentation EACH time, Experian was the ONLY bureau that is verifying this mix up as accurate. Which causes me to wonder if they are actually doing their due-diligence and FULLY investigating the situation. When asking about my IDs, they stated that my ID was legible and my father 's ID was hard to read. However, both IDs images were sharp but Experian was the ONLY Bureau to deny this claim. How is this possible if I provided the same IDs to other bureaus without this problem?? Over the phone, a representative actually admitted to changing the IDs from in-color to black and white in order to meet their standards. Which could be a reason as to how this appeared to be a problem with them reading it properly in the first place. The last dispute I filled with them, I fixed the IDs to be black and white still there was no positive outcome with my results. 
Please help me in this situation because this is unjust and should be a simple solution. This is highly frustrating as I am getting mistreated by Experian Credit Bureau along with the original creditors and collection services! I can provide as much information as possible if needed, thank 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 2023-11-02 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: NC

Complaint narrative:
I have been affected by the XXXX XXXX data breach. I have had some identity theft with accounts since XXXX. Then the identity theft expanded dramatically during the pandemic to include apartments and evictions. It has many accounts and collection accounts. the accounts and then the collection accounts for the same debt are both listed on all 3 credit reports. I have a police report documenting this and an FTC report. I have submitted dispute after dispute but in XXXX hrs the credit reporting agencies come back with creditor states account is valid. The creditors do not provide any evidence of this and it is unlikely anyone even reached out as some of the resolutions to the dispute happen in less than an hour. 
I have attempted to enroll in the credit restoration services that I supposedly could get but those are expired and the code to enroll was actually only good for 2 months and I have now called the enrollment number 3 times and they just transfer me to a number that is no longer in service. The ID restoration service is completely fake. The phone number you are ultimately sent to is no longer in service. 
All 3 bureaus are refusing to actually investigate and remove items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: NY

Complaint narrative:
I have an old XXXX auto loan on all 3 of my accounts that shows as charge off. 
There is and have been errors i tried to correct & dispute. 
between XXXX, XXXX, XXXX XXXX TransUnion. 

XXXX XXXX XXXX Date opened XX/XX/2017 XXXX has enough legal issues on credit reporting where i should not have to be trying to fix this issue for over a year. 

Especially just one of the cases enforced by you " CFPD ' plus others EX : https : //www.consumerfinance.gov/about-us/newsroom/consumer-financial-protection-bureau-settles-with-santander-consumer-usa-inc-for-credit-reporting-violations-in-connection-with-its-auto-loans/

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account 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 explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
There was a old balance reporting on my credit report by Credence Resource Management in the amount of {$270.00}. It was not impacting my score, but I decided to pay it. I called to settle the amount, and was told I had to pay with the original creditor. This was done XX/XX/23 in full. Credence stated the process to remove this from my report takes XXXX weeks. I have made at least XXXX calls to the company any and have been shuffled around. Since paying the amount owed ut negatively impacted my credit score  by XXXX points. I have suffered a tremendous drop in my score and credit worthiness as a result of this company 's lethargic process and anemic efforts to remove this and help. Each individual I have spoken with have shown little to no effortor concern to remove this.I last spoke with the creditor and the collection agency on XX/XX/23. The creditor indicated the balance is a XXXX balance and that communications had been sent to the collection agency on XX/XX/23 to delete and remove the mark from my credit report. I spoke with XXXX XXXX, a XXXX of Credence Resource Management LLC on XX/XX/23 and on another occasion. Even though he did his best assist, he also informed me of other news. I was informed that EVEN THOUGH CREDENCE RESOURCE MANAGEMENT LLC, IS ABLE TO SEE THE BALANCE HAD BEEN PAID IN FULL AND IT NOW HAD A XXXX BALANCE, THEY WOULD NOT DELETE IT FROM MY CREDIT REPORT UNTIL THE CREDITOR PAID THEM OR IT WAS ( UPDATED ). I asked why must I continue to be held hostage while the creditor and collection agency resolve their business agreement. The creditor states there was nothing more for them to do. The debt collection company refuses to budge and remove the blemish on my credit report causing damage to me, my credit worthiness, and any potential job opportunities that review credit as a criteria for positions. I have suffered damage, and harm. The collection agency refuses to do their part and remove the negative mark from my credit report, evn though they admitted seeing it shows paid and with a XXXX balance. The collection agency has been uncooperative, unwilling to assist, and continue to report a debt that has been paid which is a direct violation of the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
I got a rental car from XXXX XXXX XXXX XXXX in XXXX FL, my total price for the rental was supposed to only be {$1200.00} total because I had the rental for 2 months and under the corporate agreement code I had, I was to be charged no young driver fee, and I was supposed to get a rate of {$600.00} flat per month, XXXX ended up charging my credit card over {$2900.00} total which is not the price that I agreed to at all. When reaching out to XXXX they were extremely unhelpful and told me to reach out to my bank for resolution. Current always claims to investigate these claims but denies every single one of them. I want my money back. All {$2900.00} worth, I did not consent to being charged more than {$1200.00}, therefor these funds were stolen and the bank is refusing to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX. The Late Payment Status is incorrect. 
XXXX XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Identity Theft XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX  XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 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:
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 non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian has mixed my credit file with many other people. They did not even have my correct SSN on my report. I called and spent over an hour on the phone with someone XXXX weeks ago disputing all of the incorrect information. Experian stated they performed their investigation and the information they have on my report will stay. The issue is, as I explained AGAIN today, is they have several other people mixed in to my report and because of that, I've had collection agencies put garnishments on me and try to summons me at my address when it should be for either XXXX XXXX or XXXX XXXX. I spoke with a specialist today by the name of XXXX with Experian who said she could see that files were mixed and she would work to get them split and corrected. I also informed her that I have been trying for XXXX weeks to upload documents that prove my address for the last XXXX  years, my SSN and the fact I'm on XXXX and the website is rejecting them. I was told I needed to send the files to a XXXX XXXX XXXX I'm not comfortable sending copies of my personal information to a XXXX XXXX XXXX I should be able to send them via certification so Experian can not dispute they received.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: OH

Complaint narrative:
On XX/XX/2023 I sent in a letter to XXXX asking them to reinvestigate some inaccurate information I found on my report. I asked them to provide me with verifiable proof of these inaccurate accounts, and if they couldnt to Delete the accounts. To this date I have not received a reply.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I strongly request a swift update to my account since I've consistently paid on time. The present issue is causing me significant stress and concern.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 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:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

Inquiry from XXXX on XX/XX/2022. 
Inquiry from XXXX on XX/XX/2022. 
Inquiry from XXXX XXXX on XX/XX/2022. 
Inquiry from XXXX XXXX XXXX on XX/XX/2022. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there and it's giving me 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 2023-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I strongly request a swift update to my account since I've consistently paid on time. The present issue is causing me significant stress and concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I strongly request a swift update to my account since I've consistently paid on time. The present issue is causing me significant stress and concern.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: OR

Complaint narrative:
I submitted Feedback Case # XXXX on XX/XX/XXXX to FSA regarding incorrect counts towards PSLF. I have been employed at nonprofits since XX/XX/XXXX which all has been certified to FSA and Mohela. It seems that the months of XX/XX/XXXX through XX/XX/XXXX, XX/XX/XXXX through XX/XX/XXXX and XX/XX/XXXX through XX/XX/XXXX are missing in my counts. My loans are currently serviced by Mohela due to PSLF and they are in administrative forbearance forced by them and they claim they didn't receive my change in income documentation that was submitted to FSA when I applied for an IDR plan, which I have resubmitted. I do understand that they are extremely busy with loans going back into repayment after the pause, but it is stressful. I have attached all of the employment certifications.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. 

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

The following inquiries are unauthorized, and I ask that you DELETE them : 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I applied for an auto loan and relieved a check in my name to buy the car. I found a truck I liked which ended up being a lemon, The loan was never returned and was left to me during covid. The original rate on the truth in lending statement was at 7.19 % which was an affordable payment. 

After 6 months There was no title to be sent in as collateral they then changed the interest rate to 18 % making it ver unaffordable to continue paying this back. The payment used to be XXXX then jumped to XXXX. I payed this for the last XXXX years and the loan has not moved an inch but as a matter of fact gotten worse with having to defer payments and push them to the back of the loan. this has been nothing but a nightmare ruining my credit. 

The loan is still currently being reported to my credit as an auto loan but there is no auto. because of this no bank will approve me for a car to even find a job. the Interest rate increase made it impossible to keep up with. 

I have contacted Navy federal they refuse to help me they do not want to lower the rate they refuse to alter the loan toa personal and inorder to settle they want me to come up with XXXX right away and give me a XXXXXXXX XXXX plan of 12 months to remain paying additional XXXX / XXXX  month XXXX per month IMPOSSIBLE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: MD

Complaint narrative:
Once I made complaints of the varies attempts to get this off my credit report. Companies continue to reissue the same information on my reports when I make disputes. Continue to issues notices to my mail address, continue to ignore this identity theft on my report. This has cause me to be denial housing, employment, credit, and homelessness. My denial letter is attach base on this situation I was denied housing. Been a victim of identity theft.

Company response to consumer: Closed with explanation