vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.

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 2023-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
My name is XXXX XXXX and I am a XXXX XXXX XXXX. I have been in repayment since XX/XX/XXXX, from at least XXXX through XXXX, I was with XXXX. I consolidated to XXXX  in XX/XX/XXXX to take advantage of the Public Student Loan Forgiveness Waiver since I have always been a local government employee since I graduated in XX/XX/XXXX, but was previously in wrong loan type for forgiveness. I submitted my forgiveness application in XX/XX/XXXX to XXXX. All of my employment was certified from XX/XX/XXXX to XX/XX/XXXX as eligible. However, they only credited XX/XX/XXXX and XX/XX/XXXX and then no other payments until XX/XX/XXXX ( covid forbearance ). When I asked why, I was told that my account was designated as being " in-school deferment '' for the period of XX/XX/XXXX to XX/XX/XXXX ( when I consolidated ). I was told by XXXX  that only XXXX could fix the problem. I called XXXX  and they said XXXX  had to fix the problem. I was not in-school at any point since XX/XX/XXXX. I have proof of regular standard payments made to XXXX  going back to XXXX demonstrating that I was on repayment status. ( as far back as their records went ). I also managed to locate bank records from XXXX which show my regular on-time automatic monthly payments for that year. I have form XXXX 's from XXXX and XXXX that demonstrate I made payments those years on my loans. I filed a complaint with the ombusdman too, but they say that my student loan account reflect I entered repayment in XX/XX/XXXX, which it does, so why are my payments not being counted? ( the account also shows that the status was not changed to " in repayment '' until I consolidated in XX/XX/XXXX ). My loans were transfered to Mohela in XX/XX/XXXX and I submitted all of my paperwork to them, including the proof of payments for all the months I had for XXXX and XXXX, and they marked it as a duplicate application and kept the count the had been submitted by 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 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: GA

Complaint narrative:
YOUR COMPLAINT To whom it may concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the XXXX major credit reporting agencies : XXXX, XXXX, and XXXX ) request shall be sent to me immediately. This is an attempt to correct your records, any information obtained shall be used for that purpose. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Retail Merchants Associates
State: LA

Complaint narrative:
I myself have never had anything to do with my credit score. I myself have not created my own debt. My mother XXXX XXXX XXXX used my social security number for different financial accounts and things and now my credit is bad and im in debt. The only thing im responsible for on my credit report is what I owe to the XXXXXXXX XXXX XXXX. Everything else was done by my mother without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, and XX/XX/XXXX, I wrote to tell you to verify the items I had identified as inaccurate or incomplete in my credit report. 
Copies of my correspondence are attached for your review. 
XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX  Account number : XXXX GM FINANCIAL Account number : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXX Since you have not given me names of persons you contacted for verification of the information, nor have you complied within the statutory time period ( 30 days ) to my request for verification, I assume that you have not been able to verify the information I have disputed. 
Therefore, you must comply with the provisions of the Fair Credit Reporting Act and drop the disputed items from my credit report. 
I request you send me a copy of my updated credit report showing the elimination of the items which I disputed on the attached letters. 
This copy must be provided free, according to 15 USC section 1681j. I request that it be postmarked within five days after signing the certified mail receipt for the letter you are holding.

If I do not receive an updated copy of my credit report with the disputed items dropped, my attorney will pursue my legal rights under 15 USC section 1681 of the Fair Credit Reporting Act, Civil liability for willful noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Allied Collection Services, Inc. (Nevada)
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, ALLIED COLLECTION SE Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2022, I wrote to you requesting an investigation into items that I believe were INACCURATE AND UNVERIFIED. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Since this is my ( SECOND ) request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have no complied with my request. I regret that I am being forced to take such action.

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 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
In accordance with the fair credit reporting act, XXXX XXXX account number 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 : Also states a consumer reporting agency can not furnish an account without my written permission.

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 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I have been attempting to use my Express store credit card issued by Comenity Bank for several months now, both in-store and online. Each time the card is declined. I have called Comenity Bank many times. The first time, I was told that the card needed to be replaced because it used 9 digits as the card number and they were replacing the card and account with a 12 digit number and a new card would be sent to me. After several weeks and not receiving a card, a called again and was told that there was a glitch in the system and the card was not sent but they would be sending it out that day. After several more weeks without receiving a new card, I called again. This time I was told that the account was restricted. I was transferred several times. Finally, I was told that the only note on my account was to contact the credit bureaus with no other details. I contacted all three major bureaus via phone. Two of them had no idea what I was talking about. The third one said it looked like a different Comenity Bank card had an error as it said my balance was {$10000.00} more than the limit which shouldn't be possible. I filed a dispute. Several weeks later the company verified that it was an error ( there was no balance ). Again, this was a completely different account. Once I verified that it was corrected on the credit report, I called Comenity Bank again, again having to re-explain everything. I was told that no manger was available but that the account was still restricted with no notes as to why in their system. I have called 2 more time since then and each time I am told that there is no manager available or that the correct department is at lunch, and to call back after another 3 business days. I have now called more than a dozen times and am still no closer to getting a working card or account, or getting an explanation as to why my card/account number will not work. I have verified that the account is in good standing and that there is no balance both on the Express Comenity Bank website and on my credit reports. I have been told that I can not close the account because it is frozen due to the restriction and that I can not open a new account because I already have one open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I received copies of my credit report in XXXX of XXXX. I noticed that information was being reported inaccurately. I disputed the information with ALL THREE credit bureaus to which I received either a stall letter or no response at all. I sent letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as well as XX/XX/XXXX. I have not received an update regarding my disputes, nor have I received an investigation letter. I only received stall letters. I provided a copy of my lease agreement and my driver 's license to prove my identity in my initial letter. The bureaus are inaccurately reporting late payments on my credit report for the creditor XXXX. 

XXXX is reporting 5-30 day late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. How can a person be 30 days late 5 months consecutively? XXXX is also reporting 2-60 day late payments for XX/XX/XXXX and XX/XX/XXXX. Again, how can a person be 60 days late 2 months consecutively? XXXX then reported a 60 day late payment for XX/XX/XXXX with XX/XX/XXXX being reported as on time. How can a person be 60 days late when they were just on time for the previous month? This is a FCRA Violation. 

Experian is reporting XXXX day late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They reported XXXX day late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. How can a person be 30 days late for 6 months consecutively? How can you report 1-60 day late payment for XX/XX/XXXX and then start with a 30-day late payment for XX/XX/XXXX? How can a person be 60 days late for 2 months consecutively? Experian then reported a 60 day late payment for XX/XX/XXXX with XX/XX/XXXX being reported as on time. How can a person be 60 days late when they were just on time for the previous month? This is a FCRA Violation. 

XXXX is reporting on time payment history from XX/XX/XXXX to XX/XX/XXXX which directly contradicts what was reported to Experian and XXXX. However, XXXX then reports a 60 day late period for XX/XX/XXXX. How was XX/XX/XXXX reported on time but XXXX XXXX 60 days late? XXXX again reported XX/XX/XXXX as 60 days late with XX/XX/XXXX being reported as on time? This is a FCRA Violation. 

I have provided this information to all 3 bureaus several times with them blatantly ignoring me or purposely stalling by requesting information that was included in the initial letter. This is a violation of the FCRA and is purposely prohibiting me from accurately displaying my credit worthiness and ability to pay on time to potential lenders resulting in credit denials that otherwise would be approvals.

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 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, 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:
Please see the attached identity theft report. Please also delete the credit inquires not currently tied to any open accounts.

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 2023-01-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
To whom it may concern I XXXX XXXX am submitting a second statement, I filed for bankruptcy of the year XXXX, wells fargo did not report my house back to the credit bureaus they put it on the lawyer named XXXX XXXX in XXXX and, he called wells fargo and I was on the phone and told them that they leid, I was told though wells fargo I will never get my house back on the credit bureaus, why I don't know, he told me I need to do the work myself to figure it out. Please help I have XXXX credits. Because of wells fargo. XXXX XXXX XXXX XXXX XXXX. My bankruptcy ended when I went to court.

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 2023-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
ON XX/XX/XXXX I RECEIVED AN ALERT BY XXXX MY COMPUTER WAS HACKED AND ID THEFT WAS TAKING PLACE. I IMMEDIATELY CONTACTED XXXX FOR ASSISTANCE, I WENT INTO MY PAY PAL ACCT AND NOTICED THERE WERE CHARGES WHICH WERE NOT MADE BY ME IN EXCESSIVE OF XXXX PLUS DOLLARS. THE PAYMENT WAS TO XXXX XXXX XXXX. I FILED A DISPUTE WITH PAYPAL HOWVER THE REPRESENTATIVE STATED I ORDER SOMETHING FROM PAYPAL AND REFUSED TO PAY BECAUSE IT HAD NOT ARRIVED. THIS WAS TOALLY INCORRECT AND I SUBMITTED N ADDENDUM NOTHING I NEVER ORDERED ANYTHING FROM PAYPAL IN THIS AMOUNT. HE INTENTIONALLY NOTED THIS IN ORDER TO BUY TIME SUCH AS 7 DAYS IN ORDER FRO SYNHCHRONY BANK TO GATHR THE MONEY TO RESTORE MY ACCOUNT. ON TODAY ALL OF MY MONEY WAS TAKENFROM MY ACCOUNT BY PAYPAL FOR A TRANSACTIONS I DID NOT MAKE. 

I PERSONALLY THINK THIS WAS INTENTIONALLY DONE DUE TO PAST RUN INS WUTH SYCHRONY BANK. THEYHAVE CREATED A SITUATION IN ORDER TO CLOSE MY PAYPAL CREDIT ACCOUNT. IN ADDITION, I TRAVELED TO THE BABK AND FILED NECESSARY PAPER WORK THE AMOUNT CHARGED ON THE PAYPAL ACCOUNT FOR THE HIGHEST TRANSACTION WAS XXXX. THE AMOUNT DEDUCTED FROM MY ACCOUNT WAS XXXX WHICH IS A TOTALLY DIFFERNT AMOUNT AND TRANSACTION. 

IN ADDITION I HAVE RETURN ITEM PURCHASED THROUGH PAYPAL CRREDIT AND HAVE NOT RECEIVED CREDIT FOR THEM. 

ON XX/XX/XXXX A PAYMENT OF XXXX WAS SENT. THIS PAYMENT WAS ACCIDENTLY SENT TO A LANDLINE NUMBER. THE RECEIVER STATED SHE DID NOT RECEIVE THE PAYMENT. BUT PAYPAL STATED THE RECEIVER DID, GUESS WHAT? SYNCHRONY WILL CLOSE THIS ACCOUNT ALSO.! OH WELL!

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 2023-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frontline Asset Strategies, LLC
State: CO

Complaint narrative:
It started with calls every day to collect a debt with a XXXX mobile. It was linked to the last 4 of my SSN and the call center could not give me any info without an account number. I have never had an account with them or any other affiliated company. The debt people keep calling every day and telling me to get in touch with the XXXX fraud department XXXX So I called the XXXX customer service line and talked to a gal who told me to go into a corporate store and show my ID and they would be able to help me. The store manager lady said there was nothing they could do and gave me a paper with an email to the " Fraud Department ''. They asked me if there was anything XXXX  mobile on my credit report and there was not on any of the 3. Before this, there was never even an inquiry from XXXX mobile on my credit report. Once I sent in the information to the fraud department all of the sudden it hit my credit report. Now I have been tied to fraudulent accounts. I have been to the XXXX mobile stores they can't do anything but give an email to a department that the call center has no clue about. The fraud department keeps sending emails wanting a police report but the police we got a hold of just gave us a number and a letter XXXX  # XXXX, the phone number for this case is XXXX. I am XXXX and have a hard time with all this computer stuff. I just got off the phone with the call center who told me the police will take care of it all. I am so confused and just want this matter resolved! I feel hopeless I worked so hard for my credit score for a company that clearly doesn't check an ID or require a card on file to mess it up. Please Help!

Company response to consumer: Closed with explanation