vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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 non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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 2024-06-10 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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-06-09 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: GA

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 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:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
This is XXXX XXXX with my last & final complaint before I commence litigation. 
FirstPoint Collection Resources , Inc. & XXXX XXXX XXXX XXXX deleted the first alleged account pursuant to 15 USC 1692c ( b ) but is still continuing to furnishing the second alleged account. I am demanding that FirstPoint Collection Resources cease & desist all communication with me & this alleged account through any & all mediums with all third parties- ( XXXX XXXX XXXX XXXX XXXX XXXX once again. Failure to comply with the following provision shall result in litigation pursuant to 15 USC 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I had the internet service from XXXX XXXX, I sold my house and I cancel the service with XXXX, I send back the boxes by mail, a few months later I receive a letter from a credit collection services that I owe {$50.00} dlls to XXXX, I ask why this is on collection if I send back the materials to XXXX, they dont have an aswer for me, I request something in writting of why I owe money, this was like 3 or 4 weeks ago I still dont receive any documents on my house, I this collections has to be delete from my credit report, and if I owe the {$50.00} dlls I can paid them but I need to know why and if I pay they need to erase the collection from my credit report because I think is nor fair, thank you

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Debt collector cannot verify debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: OH

Complaint narrative:
Im trying to charge my card not working XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-06-09 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: NJ

Complaint narrative:
I was checking my report and came across accounts that I do not recognize.

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 2024-06-09 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
In a response on XX/XX/year> to a complaint about an illegal lawsuit the company agreed to contact their attorney and cancel the suit. 10 days later no paperwork has been filed with the court supporting this and the hearing is still scheduled for XX/XX/year>. 

The attorneys for ford motor credit company have typically electronically filed documents which typically are approved by the court within 24 hrs. 

It appears the agreed upon and documented first steps in resolving this matter ( canceling the lawsuit action ) have not taken place in a reasonable amount of time, especially with the court date quickly approaching. 

This has delayed my defense actions unreasonably and causes me to continue to incur costs associated with the defense. 

This information can be referenced from complaint id XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: OK

Complaint narrative:
I pulled my free annual credit report because i was in the market to buy a home and my family when I received my report i was shocked to see what was on it. It caused me great XXXX because i hade no idea that the accounts on my credit report was not mine so i filed a identy report to have those items removed from my credit report and I notified my bank and had them to freeze all my accounts until further notice

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 2024-06-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Fraudulent inquiries were placed on my credit report without my knowledge.Below will be attachments and proof of the following fraud which was committed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 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:
XXXX XXXX XXXX and equifax are disingenuous Additionally, XXXX entrepreneurs ' credit requests are three times less likely to be approved than XXXX  entrepreneurs. These statistics underscore the persistent economic disparities. However, entities like XXXX, XXXX, and Equifax are disingenuous in their practices. Despite having a FICO score of XXXX, XXXX still required more information from me, such as my Social Security number and pay stubs. This kind of behavior undermines trust and adds unnecessary hurdles for individuals who are already facing economic disparities. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And that's what they're doing : lying.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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:
XXXX trans union and XXXX are disingenuous Additionally, XXXX entrepreneurs ' credit requests are three times less likely to be approved than white entrepreneurs. These statistics underscore the persistent economic disparities. However, entities like XXXX, TransUnion, and XXXX are disingenuous in their practices. Despite having a FICO score of XXXX, XXXX still required more information from me, such as my Social Security number and pay stubs. This kind of behavior undermines trust and adds unnecessary hurdles for individuals who are already facing economic disparities. It highlights a systemic issue of racism within the credit industry, where algorithmic biases can perpetuate discrimination against marginalized groups like Hispanics. And that's what they're doing : lying.

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 2024-06-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
SOUTHWEST CREDIT SYSTEMS ( XXXX ) XX/XX/XXXX This is my third attempt to dispute an account from XXXX XXXX and their debt collectors on my credit report that are the result of IDENTITY THEFT.

I have summited all the required documents including : 1 ) POLICEREPORT 2 ) IDENTITYTHEFTREPORT 3 ) PROOFTHATIWASUNDERFEDERALCUSTODY 4 ) PROOFTHATIWASRELEASEDONSUPERVISEDRELEASEINNEWYORK XXXX ) PROOFTHATIWASLIVINGINNEWYORKUNDERSUPERVISIONUNTIL XX/XX/XXXX XXXX ) OTHERDOCUMENTS It is an impossibility that I had been able to open a credit card let alone buy a car when I was in XXXX XXXX and then a XXXX XXXX and XXXX Release living in XXXX XXXX New York XXXX My brother XXXX XXXX was living in XXXX XXXX and had access to my information since the day of my XXXX  and all during my time in XXXXXXXX XXXX XXXX XXXX He has admitted having stolen and used my identity and he is now on the run with a warrant for his arrest. There is NO way, no possibility that I could have access to getting credit, or even a regular phone while I was at the XXXX XXXX XXXX in XXXX, or XXXX XXXX and even while I was at the XXXX XXXX  or supervised release without having to go through my XXXX  Obicer. The account that remains on my credit report that is NOT my account and is the result of IDENTITY THEFT is : - SOUTHWEST CREDIT SYSMTES/ XXXX XXXX while I under supervised release in XXXX XXXXXXXX XXXX New York XXXX I am resubmitting all documentation in order to provide all necessary evidence and proof that this is NOT my account. Thank you for your time, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
A XXXX XXXX Charge off account number XXXX  showed up on my Trans Union Credit Report XXXX I asked Trans Union XXXX check the accuracy of my Credit Report and delete any accounts that can not be verified as my accounts or have any inaccuracies. Trans Union responded with " account has been verified as accurate and updated '' which the account should have been deleted at that time for inaccurate information and not " updated. '' I then requested a detailed investigation report on XX/XX/year> which the FCRA states in code section 15 us code 1681d they have to respond in a reasonable amount of time with how they investigated this account and the investigation results. Trans Union has failed to respond which is a violation of the consumer law. I have enclosed related attachments

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 2024-06-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TN

Complaint narrative:
When I attempted to Make the monthly payments to both my MOHELA account ( XXXX XXXX ) and for my daughter ( XXXX XXXX ), a message on each account stated that our accounts were in transition to a new platform/webiste, with no formal communication of this nor when and where the loan accounts were to be located and nothing about login information. I waited until the 2nd month and made the call to MOHELA.

MOHELA did not offer any apology on why there was no formal communication nor updates to either account transitions and finally stated ( on the phone, at my continued expense while both accounts continued being assessed interest- which is wrong! ) that my daughters account ( XXXX XXXX ) was transitioned to a new website and that my account is being handled by XXXX. 

After setting up and making payment on my daughters new MOHELA website account, I was told to call XXXX by the MOHELA representative to get my account information. I called XXXX over XXXX weeks ago any My account has still not transitioned and I have been unable to make any payment on my account for the past 2 months ( working on 3 months now ). XXXX has not provided any formal communication nor updates and I am still not able to make payment. 

I feel that I am warranted significant payment relief on both my daughters and my student loan accounts for this complete lack of information, time taken from us to personally handle the accounts, and the stress involved in not being able to make payments and still receive emailed payment reminders from the student loan providers when their systems prevent this from happening. 

I am totally disappointed with the handling of both student loans and deserve to have significant relief from all of the grief associated with the failure of the systems, communication, and extremely poor customer service ( in addition to the significant amount of time I had to be on the phone to have to resolve this when the loan provider should have gotten this right and consistently kept all accounts accurate and correct ). 

I request the U.S. Department of Education investigate this and provide my daughter and me significant relief of payments remaining and ask to have these loans discharged due to continued problems and incorrect communication to us both involving these student loan accounts. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Cell : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 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: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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:
in this account different sections are reporrting inaccurate information with XXXX, transunion, XXXX attached docs. are showing the inaccurate reporting

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 2024-06-09 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:
in this account different sections are reporrting inaccurate information with XXXX, XXXX experian attached docs. are showing the inaccurate reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: FL

Complaint narrative:
XXXX XXXX XXXX  is illegally trying to collect on a debt that is not mine. To no avail, I have requested the following information by mail to verify accuracy of the debt : 1. The Name and contact information of the original Creditor. 2. The amount of the debt you say I owe. 3. What the amount of debt you say I owe is specifically for. 4. Explain and show me how you calculated the debt you say I owe. 5. Copies of any documents that shows I agreed to pay the debt you say I owe. 6. Documentation showing that I am legally obligated to pay the debt you say I owe. 7. A verification or copy of any judgement ; if applicable. 8. Proof that you are licensed and authorized to collect the debt you say I owe. 9. Provide me with your license number and Registered Agent. I have neither been notified of a debt nor have I authorized through written instructions any such account to be placed on my credit report. Furthermore, no verification of its accuracy has been provided to me. As a XXXX % XXXXXXXX XXXX  classified as " XXXX XXXX XXXX  '' I receive medical care exclusively through military installations, XXXX XXXX, and the Veteran Affairs. I have never incurred or authorized any medical debt. According to XXXX XXXX XXXX, " XXXX XXXX XXXXXXXX '' lacks any State Licenses/Registrations in the state of Florida, where I reside, to collect on a debt. This contravenes the FCCPA ( Florida Consumer Collection Practices Act ), which mandates all debt collectors, regardless of location, to be licensed and/or registered in Florida.

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