vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-02 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: IL

Complaint narrative:
Good evening I am writing to express my deep frustration and disappointment regarding an ongoing issue with a collection entry on my credit report, which has been persistently extended by XXXX XXXX XXXX. 
For the past decade, I have diligently monitored this collections entry, expecting its removal as it reached the end of its reporting period. However, to my dismay, every six months as it approaches the anticipated removal date, XXXX XXXX XXXX extends its duration by another six months. This cycle has persisted for the last two years, leaving me in a state of frustration and financial distress. 
Despite the collection 's tenure of ten years, XXXX XXXX XXXX has continuously thwarted its removal, impeding my ability to achieve financial stability and access favorable credit opportunities. Moreover, despite my efforts to rectify this issue with the credit reporting agencies, all have regrettably refused to remove the collection entry from my report. Its as if they do not have a digital imprint of the date changes. 
This prolonged and unjustified retention of the collections entry on my credit report not only tarnishes my creditworthiness but also undermines my trust in XXXX XXXX XXXX 's commitment to fair and transparent business practices. 
I urge you to promptly investigate this matter and take immediate steps to rectify the situation by ensuring the accurate and timely removal of the collections entry from my credit report. Im not sure I understand why all three reporting agencies seem to not have a digital imprint as to this unjust practice. 
I appreciate your urgent attention to this matter and expect a swift resolution. Please contact me at your earliest convenience to discuss further steps and provide updates on the progress made in resolving this issue. 
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 non-monetary relief
Consumer complaint received 2024-03-02 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: IL

Complaint narrative:
Good evening I am writing to express my deep frustration and disappointment regarding an ongoing issue with a collection entry on my credit report, which has been persistently extended by XXXX XXXX XXXX. 
For the past decade, I have diligently monitored this collections entry, expecting its removal as it reached the end of its reporting period. However, to my dismay, every six months as it approaches the anticipated removal date, XXXX XXXX XXXX extends its duration by another six months. This cycle has persisted for the last two years, leaving me in a state of frustration and financial distress. 
Despite the collection 's tenure of ten years, XXXX XXXX XXXX has continuously thwarted its removal, impeding my ability to achieve financial stability and access favorable credit opportunities. Moreover, despite my efforts to rectify this issue with the credit reporting agencies, all have regrettably refused to remove the collection entry from my report. Its as if they do not have a digital imprint of the date changes. 
This prolonged and unjustified retention of the collections entry on my credit report not only tarnishes my creditworthiness but also undermines my trust in XXXX XXXX XXXX 's commitment to fair and transparent business practices. 
I urge you to promptly investigate this matter and take immediate steps to rectify the situation by ensuring the accurate and timely removal of the collections entry from my credit report. Im not sure I understand why all three reporting agencies seem to not have a digital imprint as to this unjust practice. 
I appreciate your urgent attention to this matter and expect a swift resolution. Please contact me at your earliest convenience to discuss further steps and provide updates on the progress made in resolving this issue. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Monterey Financial Services LLC
State: GA

Complaint narrative:
Monterey Financial has violated several stipulations of the Fair Debt Collection Practices Act. They have repeatedly made harassing phone calls to me about a debt I do not owe. Their representatives have impersonated the sheriff 's department in a debt collection phone call made to a place of employment in an attempt to damage reputation. They have provided information about a debt to third parties in phone calls without identifying themselves as debt collectors. They continuously engage in unprofessional behavior while threatening illegal actions such as sending a " compliance officer ''. They launched a fradulent lawsuit through the local county 's marshall 's office. They have also filed a false credit report. Monterey Financial continuously employs unethical, illegal behavior. Monterey Financial should be charged for their illegal debt collection practices immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I previously sent communications of evidence of fraud and identity theft to XXXX XXXX XXXX of TRANSUNION XXXX Documents included were verifiable proof of identity theft It was sent via certified mail return receipt and my commands was not met. I am an XXXX XXXX and I am not a XXXX XXXX XXXX XXXX, STATUTORY CITIZEN and Im not subject to any foreign jurisdiction. I am XXXX XXXX XXXX and my free national name is XXXX XXXX XXXX and I am the original creditor whose rights have been extremely violated. This is a huge consumer rights violation which this in itself is hypothetication I demand that this misrepresentation be corrected immediately. I am in full life and Im not dead at sea. Nor did I give consent verbally or otherwise to have the legal fiction for the use of XXXX XXXX XXXX I will attach the irrefutable documents to clear up any misrepresentation.

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 2024-03-02 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: CO

Complaint narrative:
In XXXX I went on the Student Aid website and submitted an application for SAVE, Im currently on XXXX. My husband lost his job and our household size of XXXX did not change. It was apparently up to Mohela whether or not the application would be approved, which is super backwards to begin with. Anyway, Mohela denied my application stating my current payment is lower than what SAVE would be. Ive asked no less than five times to tell me what they calculate to be my SAVE payment because I deserve to understand how it is higher and every time, Ive been deflected or not given the actual answer. This has to stop with Mohela. They are mismanaging funds and student loan holders are paying the price.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
I have no record of these accounts and tried to get debt validation, Never received would like items remove from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Interest rate
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
My husband and I applied for, and received a mortgage loan from Navy Federal Credit union. We were approved for a loan for XXXX in XX/XX/XXXX. We are currently stationed in the state of XXXX  on permanent XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  and have been since XX/XX/XXXX. We contacted XXXX XXXX by phone to request our interest rate be lowered because of a law specific to XXXX. The XXXX  revised statute title 29 : 312 limits the amount creditors can charge for interest rates on loans to 6 %. We requested our loan rate be reduced due the fact we our XXXX XXXX military stationed in XXXX. They confused our request with the XXXX XXXX which only covers debts before XXXX XXXX, and claimed we didn't qualify. We sent them a copy of our orders to prove our residency in the state. However the XXXX  statute applies to any/all debts incurred by XXXX XXXX service members after XX/XX/XXXX. We simply want our interest rate reduced as Navy Federal Credit Union is in violation of XXXX  Law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Previous attempt to the XXXX, XXXX and TransUnion to update my Legal name to my true name as met with indifference and inaction. This is a violation of 18 U.S. Code 242 - Deprivation of rights under color of law,

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 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Previous attempt to the XXXX, Equifax and XXXX to update my Legal name to my true name as met with indifference and inaction. This is a violation of 18 U.S. Code 242 - Deprivation of rights under color of law,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX Account Number XXXX Dear XXXX XXXX XXXX ], I am writing to dispute the debt collection notice I received from your company dated XX/XX/2022. According to the notice, I owe {$1700.00} to XXXX XXXX XXXX OF XXXX XXXX However, I am disputing this debt for the following reason ( XXXX ) : XXXX XXXX XXXX is violating your consumer rights by using false misleading, misrepresentation and deceptive means. XXXX XXXX XXXX has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) I was incarcerated at the time the account was open In support of my dispute, I am attaching the following documentation : Letter Of incarceration I request that you immediately investigate this matter and cease all collection activity until the dispute is resolved. Please provide me with written confirmation that my dispute has been received and is being investigated within 30 days, as required by the Fair Debt Collection Practices Act ( FDCPA ). Additionally, I request the following information : The name, address, and phone number of the original creditor. A detailed breakdown of the charges and fees associated with this debt. Any evidence you have that I am legally obligated to pay this debt. Please be aware that if you fail to validate the debt or continue collection activity after receiving this dispute, I may pursue legal action against your company. Thank you for your time and attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Company provide screenshot with information that they bought illegally with no contract no agreement they fail to provide me documentation also I need the documentation mail to me not electronic with 30 days else I have to take legal action for fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 Balance XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX. XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2024-03-02 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: CO

Complaint narrative:
My credit report from Experian shows that I have a XXXX balance credit card opened on 2010, that's not my account and I do not recognize it.

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 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX reporting negative information on my report. 

XXXX XXXX charges to receive a loan that isnt actually received by the consumer up front. 

Because I never actually received the loan, XXXX  should in fact owe me money to complete the account. 

It should be a violation of FCRA for XXXX XXXX  to report derogatory information when product was never actually 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 non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: LA

Complaint narrative:
I reached out to Discover Loan after no longer being able to make payments. I am XXXX years old and my XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The necessities required at my age are not being met because my entire life has changed. I wish to be able to take care of these obligations. Ive had to move out of my home because I no longer have the resources stay there. I contacted them at XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX. XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2024-03-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
I am writing to dispute the inaccurate reporting of the loan account XXXX associated with my name to the main credit bureaus. Contrary to the current records, this account should not display as active by Goldman Sachs Bank or with a balance. 

Goldman Sachs Bank closed my account and transitioned the service to a sub-par company in XXXX of 2023. This practice makes me doubt of the solidity of this bank and I highly encourage other customers to question their investment in such bank with such unfair and deceptive practices. They didn't give proper notice of this transition and they refuse to answer any questions via their customer service. I also took all my savings out of this bank and moved them to a safer bank. 

The mentioned account was officially closed by Goldman Sachs Bank on XX/XX/2023. Despite this closure, it has come to my attention that Goldman Sachs Bank continues to report this account as active, with an outstanding balance, and inaccurate recent payment history to the credit bureaus. This inaccurate reporting is affecting my credit unfairly and must be corrected immediately in all credit bureaus. 

This oversight and unfair practice is causing a significant impact on my financial standing.

Company response to consumer: Closed with explanation