vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-29 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: Helvey & Associates, Inc., Warsaw, IN Branch
State: OH

Complaint narrative:
Requesting documents. 1099 XXXX  form and the original charging instrument these documents will show I'm not involved in a contract with this company or they are not the issuer of funds and this must removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please remove these inquiries. I don't have any knowledge regarding this and the company did it without my 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 2024-03-29 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: IN

Complaint narrative:
These solicitations are not approved by me and are irrelevant to my financial activities. I request their brief removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: IN

Complaint narrative:
These solicitations are not approved by me and are irrelevant to my financial activities. I request their brief removal 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 2024-03-29 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. 

XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX  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 an 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 2024-03-29 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: NY

Complaint narrative:
This is my second time filing a complaint about this account .CFPB Complaint # XXXX i received closed on my complaint and iam not understanding why XXXX XXXX will not fix this. with the laws of Physics if i pay {$380.00} twice a month for the last six months adds up to {$770.00} for the month.so there is no way i can be 30 days late for XXXX and XXXX. no way. i have been a week yes in the pat not 30 days. my account was out 30 days late when i pay every XXXX weeks. so there is no way i should be 30 days late for XX/XX/2024 and XXXX XXXX i deferred a few payment in the pass during XXXX and was toll it was being to the back of loan. the mature date was in XXXX. and i still was paying every two weeks. not gave me no info that i had to make a modification payment plan on ending balance. i was still making monthly payments. so until i saw my credit report that i was put down for 30 days late for 2 months XX/XX/2024 and XX/XX/2024 which is not true. i untanned a modification payment plan now for remaining balance so Iam asking you to please remove the two 30 lates off my report it is stopping me from purchasing a home. 
making 2 payments of {$380.00} a month satisfied my payment for the month. This is not right!!! Account # 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 2024-03-29 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: NJ

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 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: FL

Complaint narrative:
I filed a dispute with Experian on XX/XX/2024, about incorrect student loan balance being reported on my credit report. 

Experian shows over {$28000.00} in loans from XXXX XXXX XXXXXXXX. This is not correct. I sent Experian a written dispute by mail, I included the balance sheets from my student aid portal and from XXXX both indicating my current student loan balance is only about {$5000.00}. 
Experian returned the dispute as accurate as is. They are failing to correct my balance on my reported student loan account even after I provided documentation from this particular creditor. The FCRA requres credit agencies to reports accounts accurately, Experian refused to make the correction

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 2024-03-29 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: TX

Complaint narrative:
These deals don't have a place on my credit report, and I have no relationship with XXXX XXXX XXXX XXXX XXXX. I rapidly request that they be normal out from my attestation 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 2024-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: UPGRADE, INC.
State: FL

Complaint narrative:
I believe the account is invalid. UPGRADE INC needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.UPGRADE INC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: MI

Complaint narrative:
I urge you to swiftly remove these fraudulent accounts from my credit report. I did not initiate or authorize them, and it is unfair for me to be held accountable. Please take prompt action to rectify this mistake.

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 2024-03-29 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: CarMax, Inc.
State: OH

Complaint narrative:
I was looking to buy a new car and looked at two online sites XXXX and CARMAX. They both offered prequlification which I thought would be useful so I could keep myself within a certain price point, and it was advertised as having XXXX impact on credit report. When I finally decided which car to purchase CarMax requested to run a single hard request and was denied credit which I did not understand why until a few weeks later denied applications from multiple lending companies that I had neither heard of nor applied to began to pour in. Over XXXX in total which also ended up as hard inquiries on my credit report dropping my score to XXXX -over XXXX points in total. It has been XXXX months since this incident and I am still in the process of disputing with the credit agencies to get these items removed. I contacted carmax and XXXX and they said I authorized the check however I was unaware they were impacting my credit report so much and the soft inquires ended up as hard inquiries as well. I was unable to get a vehicle and am exhausted by this process. The businesses messed up but I am having to clean up the mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: Kriya Capital, LLC
State: TX

Complaint narrative:
I have disputed multiple inaccuracies on my credit due to third party companies having my information; closed accounts in open status with active balances, incorrect balances and reporting ; incorrect spelling of my name; incorrect addresses ; inaccurate late payment reporting after negotiating terms with creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I have disputed multiple inaccuracies on my credit due to third party companies having my information; closed accounts in open status with active balances, incorrect balances and reporting ; incorrect spelling of my name; incorrect addresses ; inaccurate late payment reporting after negotiating terms with creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
Mr. Cooper overcharged me on final claim, then again in XX/XX/2022. 

To date I have no credits for $ XXXX and they are sending me to foreclosure. 

But they owe me XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: AZ

Complaint narrative:
They keep placing me in adminstrative forbearance for no reason. I am a government employee months away from my PSLF forgiveness and I am worried this will delay my forgiveness. Wait times to get anyone on the phone exceed XXXX minutes to an hour.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: MD

Complaint narrative:
M & t Bank is furnishing inaccurate information on my credit report. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my way of living and my ability to obtain credit for personal and house purposes. The inaccurate reporting has damaged my personal my life. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX verified an inaccurate account. How do you verify a charge off account? 

As defined by the IRS even if you dont receive a form 1099-C, you must report that as gross income on your tax return. The IRS clearly defines a charge off as gross or ordinary income, income does not get reported on the consumer report! You are hearby put on notice that you are furnishing incorrect inaccurate information.

15 U.S. Code 1681i - Procedure in case of disputed accuracy 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX is furnishing inaccurate information on my credit report. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my way of living and my ability to obtain credit for personal and house purposes. The inaccurate reporting has damaged my personal my life. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Experian verified an inaccurate account. How do you verify a charge off account? 

As defined by the IRS even if you dont receive a form 1099-C, you must report that as gross income on your tax return. The IRS clearly defines a charge off as gross or ordinary income, income does not get reported on the consumer report! You are hearby put on notice that you are furnishing incorrect inaccurate information. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy 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.

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 2024-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alorica Inc.
State: TN

Complaint narrative:
I received a debt collection letter from SST ( Systems Services and Technologies , Inc. on XX/XX/XXXX. I was unaware of any debt that would have been sent to collections as everything to my knowledge was current. I went to create a logon with the company on XX/XX/XXXX and canceled the login as the legal verbiage included permitting the company 'the right to change the amount owed at any time. ' I mailed a debt validation letter to SST on XX/XX/XXXX through certified XXXX mail. The company signed for the letter on XXXX. Since XX/XX/XXXX, I have yet to receive a response to the debt validation letter and the company has called my phone XXXX times, sent XXXX letters, and XXXX texts until I chose to finally block the numbers in XXXX. In multiple voicemails, the company says they are 'calling on behalf of XXXX XXXX ' however, my loan with XXXX was closed, XXXX deleted all their records regarding this matter, and will not speak to me regarding this issue. ( I have attached a majority of these letters and communications to this complaint ). I was not notified by either company that anything was being transferred. I had to resort to XXXX to understand that XXXX had closed all their loans and left the personal lending market. XXXX sold these loans to several collection companies. However, the only information I have ever received about this was XXXX letters from SST in " an attempt to collect a debt ''. Now, SST has reported this debt to credit agencies causing my score to drop XXXX points without any debt validation or proof of ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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:
These deals don't have a place on my credit report, and I have no relationship with the recorded credit advance managers. I rapidly request that they be normal out from my attestation report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: NC

Complaint narrative:
Im begging you please remove this to the 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 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to address the matter concerning XXXX XXXX and XXXX XXXX. Enclosed, you will find XXXX XXXX 's rebuttal to the judgment submitted by XXXX XXXX. 

It has come to my attention that XXXX XXXX 's actions are not reflected in my credit report. Therefore, I request the dismissal of this correspondence and the case associated with it. 

Attached, please find a copy of my credit report and supporting documents for your reference. We firmly believe that XXXX XXXX XXXX response deserves thorough review and consideration by the relevant authorities. 

We trust that you will carefully examine the details of this case in an impartial manner. Should you require any additional information or clarification, please don't hesitate to contact me. Thank you for your 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