vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R.M. Galicia, Inc.
State: AZ

Complaint narrative:
I contacted Progressive Management Systems on XXXX XXXX XXXX XXXX. I spoke with XXXX. I explained to XXXX that I was trying to make a payment online and they had my account blocked from making a payment ( no explanation given as to why it was blocked ). XXXX stated I owed {$1400.00} as of XX/XX/year>. I advised her that I wanted to make a payment on the account. She asked if I had a credit card to make the full payment and I advised that I did not have a credit card to make the full amount and wanted to pay {$58.00}. She stated that she could not do just {$58.00} and began giving me options on what amount they would accept from me for payment. She offered me to make payments of {$250.00} per month, which I could not do. She then offered me to make payments of {$150.00} a month beginning XX/XX/year>, which I agreed to as she did not give me any other options to pay a lesser amount or to settle for a lesser amount. I made a payment of {$57.00} with my XXXX card. Leaving the balance of {$1300.00}. I asked her would she be reporting the payment made to the credit bureaus as it is impacting my credit and showing 30 days late, and she advised that they do not report to the credit bureaus. She advised that when they are contacted by the credit bureaus all they advise is if the account is settled or not and that it and it would remain on my credit. I asked her " how would that be accurate if I am paying, and you are not advising that the debt is being paid, which is going to show past due when in fact it is not in a past due status. She advised she could note the account to be removed from my credit report as long as it remained in good standing, and she would also note that no additional interest be tacked on as long as the payments of {$150.00} are made each month. She asked if I wanted to do auto pay and I advised her I didn't and would call in and make the payments. 

I want this account removed from my credit report with all bureaus as discussed. I did not receive any information on my right to dispute this debt or to settle for a lesser amount. The bill I received dated XX/XX/year> " Note see XXXX XXXX for Important Information '', there is a blank page with no additional information on the reverse side of the notification they sent me. I was advised the account would be removed as long as it stayed in good standing, the account is in good standing to date. She accepted my payment, and they are engaging in deceptive reporting by not reporting the correct balance owed for the debt and that the account is not past due. Additionally, I asked for an itemized statement of this debt several times to which I still have not received per my request. I have only received their collection notices. 

I have every intention to pay the debt, but I will continue to pursue this matter until the it has been removed from my credit report with all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: WI

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian is reporting XXXX XXXX account that is pass XXXX years and should be removed.

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 2024-05-01 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: VA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account name XXXX XXXX Account number 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 2024-05-01 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: VA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account name XXXX XXXX XXXXXXXX Account number 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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account name XXXX XXXX XXXX Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: CT

Complaint narrative:
I recently checked my credit report and I see some incorrect information on my credit report that is affecting my ability to obtain credit at the moment, as a result, I want ask you to investigate this account please? 
account- XXXX XXXX account number- 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 2024-05-01 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Someone gained access to my account and XXXX  themselves {$1200.00} out of my checking account. I notified Wells Fargo of the incident the day it happened and the transaction showed pending in my account. They closed my account and opened a new one but 2 days later the transaction showed complete. I've filed 2 claims and both have been denied as " Someone with access to your account made the transaction and therefore your claim has been denied ''. The first claim was denied within a few days so a police report was filed and another claim was submitted. That claim took longer to complete and included documentation of the transactions along with IP address information that clearly shows IP addresses from other states I do not live in nor have traveled to. The claim was denied as " someone with access to the account made the transaction ''. Someone gained access to my username and password and hacked my account. I have since updated my username and password to a much stronger one and do not use it for other websites but I have run out of options with WF and am filing a complaint here.

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 2024-05-01 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: GA

Complaint narrative:
Consumer Complaint Regarding TransUnion Consumer Reporting LLC Investigation - Report Number XXXX I am writing to file a formal complaint regarding the investigation conducted by TransUnion Consumer Reporting LLC, pertaining to dispute report number XXXX, concerning the tradeline from XXXXXXXX XXXX XXXX 

On XXXX XXXX, I received the results of the investigation conducted by TransUnion Consumer Reporting LLC regarding the accuracy of information contained within my credit report. The investigation was in response to my dispute regarding the accuracy of the balance reported on the tradeline from XXXX XXXX XXXX, account number XXXX, with a reported balance of {$1200.00} Upon review of the investigation results, it has come to my attention that the balance being reported to the consumer report is not accurate and does not align with the true balance owed on the tradeline. Attached herewith is the monthly statement between XXXX XXXX XXXX and myself, which clearly indicates a different and accurate balance owed. 

It is imperative that the information reported by TransUnion Consumer Reporting LLC accurately reflects my financial obligations. The inaccuracies in reporting have the potential to adversely affect my creditworthiness and financial standing, which is a direct violation of my federal consumer rights under the Privacy Act of 1974, 15 USC 1681b Permissible Purpose, and 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 

I kindly request that the reported balance on the tradeline from XXXX XXXX XXXX, account number XXXX, be accurately corrected to reflect the true balance owed as per the attached documentation. Failure to do so will leave me no choice but to pursue legal action to rectify this matter and to ensure my rights are protected. 

Enclosed is my XXXXXXXX XXXX XXXX statement and TRANSUNION INVESTIGATION REPORT RESULTS. PLEASE REFER TO 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 2024-05-01 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: IA

Complaint narrative:
Experian consumer report for myself reflects the wrong social security number. NOT MY SOCIAL SECURITY NUMBER. Experian told me that in order to change my social security number to the correct social security number I have to contact XXXX XXXX XXXX who have already disputed the debt that they are saying is mine through Experian and through the consumer finance protection Bureau. It is not my debt. It is not my social security number. And Experian tells me that in order for them to change my social security number to reflect the correct identity of me I have to have XXXXXXXX XXXX XXXXXXXX correct my social security number they are allowing a third party debt collection agency govern if my social security number is correct. And it is not my debt so that they got the wrong social security number and Experian is reflecting that under my account onto my consumer report and it is affecting me severely

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 2024-05-01 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: IN

Complaint narrative:
Upon reviewing my TransUnion, XXXX and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.

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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Upon reviewing my XXXX, Experian and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.

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 2024-05-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I attended XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX from XXXX for college, which had since changed its name to XXXX XXXX XXXX XXXX In the years, the school and it's parent company has been the subject of many lawsuits over fraud. Some of my loans were taken out with XXXX XXXX and later moved to Navient. Both companies were also under scrutiny for fraudulent practices over the years in relation to this and many other schools. These lawsuits led to the XXXX v. XXXX settlement, where my federal loans were forgiven. However, there appeared to be no hope for my private loans with Navient over the fraudulent practices of the school I attended or Navient 's behavior over student loans. 

In XXXX, I refinanced my Navient loans with another loan company. I tried to avoid doing this to hold hope for relief elsewhere, but my interest rate was variable and had reached 10 % interest. I could no longer afford these payments and having paid my loans since XXXX, I was getting increasingly frustrated. After doing the math, I had already paid more than twice what I had borrowed by that time. Speaking with Navient support over the years to find relief, none was offered. I had exhausted my deferments and I didn't want to defer payments anymore anyway. Reducing payments or interest were not offered. I felt that I had no choice to move somewhere else. 

However, I am not seeing Navient offering some borrowers an application to forgive their loan balances in the form of a school misconduct discharge. I am increasingly more frustrated with this situation since I had paid so much to Navient, felt hopeless in my situation, and believed my only option for relief was with another servicer to pay a reduced rate. 

Considering the school I attended engaged in fraudulent activity against thousands of students, including myself, and Navient was also scrutinized in relation to this behavior, I would like to see Navient offer me the opportunity to apply for discharge, then buy my loans back to forgive them as the same opportunity as those that still have their loans with Navient. 

I struggled to find work after graduating from XXXX in XXXX and had re-earn my XXXX XXXX XXXX from an XXXX XXXX  many years later. The fact I moved my loans somewhere else doesn't change the fact I was still victimized and taken advantage of. It should not be held against me to make an attempt to improve my financial situation without knowing relief would be coming. Navient was just at fault of my financial hardship over the years as XXXX was. It's only fair I have the ability to receive the same options for relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Recently seen debt on my credit report I don't have XXXX  and have never heard of Jefferson capital syst never signed or agreed to debt or pay them any money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: WI

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-05-01 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: WI

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-05-01 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: VA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate 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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief