vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date ofd Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date ofd Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date ofd Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date ofd Inquiry XX/XX/XXXX, XXXX Date ofd Inquiry XX/XX/XXXX, XXXX Date XXXX Inquiry XX/XX/XXXX, XXXX Date ofd Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date ofd Inquiry XX/XX/XXXX, XXXX Date ofd Inquiry XX/XX/XXXX, EQUIFAX XXXX Date ofd Inquiry XX/XX/XXXX, XXXX Date ofd Inquiry XX/XX/XXXX, XXXX XXXX Date ofd Inquiry XX/XX/XXXX, XXXX XXXX Date ofd Inquiry XX/XX/XXXX, XXXX Date ofd Inquiry XX/XX/XXXX, XXXX XXXX  Date ofd Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date ofd Inquiry XX/XX/XXXX, XXXX XXXX Date ofd Inquiry XX/XX/XXXX, XXXX Date ofd Inquiry XX/XX/XXXX & XXXX Date ofd Inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: NY

Complaint narrative:
Kindly update my account this causing me a lot of stress 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 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.

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 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account 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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CUSO Home Lending
State: ME

Complaint narrative:
At least 6 months ago I disputed the payment history of a couple months from a few years ago. That information was updated on all XXXX credit reporting agencies as from 30 days late to on time. Then I had to redispute those same months almost every month to keep getting them updated back to on time after CUSO Home Lending continuously changed those dates back to 30 days late. After a few times of disputing the payment history I noticed the CUSO home lending account completely vanished from my XXXX report. 

I reached out to both XXXX first and CUSO second. Both blamed the other party. XXXX said XXXX was not reporting it and has not been responding to my latest dispute. XXXX claimed it had been reporting it regularly all along. Ive been trying now for a few months to get the account back on the XXXX account ( with accurately reported payment history might I add ) but have been unable. This has hurt my XXXX score because this account is XXXX of my oldest accounts and helps my average credit age. It is also in good standing as I've been in time now for several years in a row. 

Now just recently after I made a complaint with the XXXX against CUSO I noticed that they began marking my account late for XX/XX/XXXX on my XXXX report when it was not and then somehow added around {$5000.00} to my total amount owed on the account. It was an egregious error on their part and may have been retaliatory. It made me lose XXXX points on my XXXX credit report. I disputed this through XXXX to get it corrected about a month ago and just recently CUSO has now also dropped my account from my XXXX report. This also seems to be retaliatory in an effort to hurt my XXXX XXXX by depriving me of a long term loan that's been in good standing. 

I contacted XXXX and they were not helpful at all simply telling me if the account is not on my report then they can not help me with it. This exclusion of CUSO on my XXXX cost my XXXX score XXXX points or so by reducing my average age of credit. 

All I am looking for is for CUSO to cease and desist failing to report to the credit bureaus which is causing the account to fall off my credit reports and accurately report payment history. I have supporting documents to show that the account is missing from both XXXX and XXXX currently. I have documents showing it was on my XXXX last month but with bogus payment history for XX/XX/XXXX as well as inaccurate total balance. I also have my XXXX report which CUSO is still on showing that I have perfect payment history dating back to around XXXX or 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 2024-03-25 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: NJ

Complaint narrative:
Im begging you please remove this to the credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: CO

Complaint narrative:
This company has made XXXX attempts at contact, but even after it's been removed from disputing for this very reason, they've added to my credit reports again but I STILL haven't heard anything. I have not received phone calls or mail, so have not been given the chance to even ask for verification of debt or provided any rights notifications, but it was just re-added to my XXXX and has been on XXXX for some time ( I suspect they've reported to XXXX it just hasn't shown yet )

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 2024-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR

Complaint narrative:
Accounts ending XXXX and XXXX were closed and I asked for a hardship withdrawal but the bank is asking me to go to a branch to withdraw my funds but I do not have a physical branch I can go to where I live in XXXX XXXX, XXXX XXXX. So I can't access the funds I need for my medical expenses.

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 monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
This goes all the way back to last year. I have several disputes with them and this has been an ongoing issue with them. My billing statement for XX/XX/XXXX had new balance {$220.00} which those would be from the disputed amounts. It had purchases nothing. Showed minimum payment due {$29.00}. called and spoke to XXXX in XXXX XXXX and she informed me I didn't owe anything. Fed statement came showing prev balance {$220.00}, other credits {$15.00}, purchases {$95.00}, fees {$29.00} late fee, Interest Fee {$7.00}. There was items on this that I had to dispute. {$30.00} XXXX shop. Which left a purchase coming to a total of {$55.00}. Called and spoke to XXXX in Customer service XXXX said she would credit acct for late fee and interest. Made my payment on XX/XX/XXXX in the amount of {$55.00} which was due XX/XX/XXXX. 
Statement comes for due date XX/XX/XXXX. showing prev bal {$340.00}. Purchases-NONE, Late Fee {$29.00} Interest Charge {$6.00}. Called XX/XX/XXXX spoke to XXXX in Customer Service said interest and late fee would be removed. Said it would take XXXX hours and nothing would be due in XXXX. XX/XX/XXXX spoke to XXXX said interest fee and late fee would be removed. Spoke to XXXX in Customer Service said you only pay for purchases made. Not disputed charges. Said things are still in dispute process and when applied would come off prev balance. Received statement in the mail today Payment due date XX/XX/XXXX. Prev balance {$290.00} Purchaes {$300.00}, fees {$39.00} late fee, Interest {$14.00}. Showing New Balance {$620.00} Past Due amount {$39.00}. Saying Min payment Due {$99.00}. Here is a break down of Transactions on this one. 
XX/XX/XXXX In XXXX XXXX {$160.00} XX/XX/XXXX XXXX {$24.00} XX/XX/XXXX In XXXX {$50.00} XXXX XXXX {$39.00} Dispute amount of {$24.00} leaving balance of {$14.00} So I should only owe {$240.00} I have been on the phone with them today of hours in regards to this late fee and interest. I was told by a manager she would not remove the late fee and interest. Even though you can see from previous conversations with reps and charges. I was not late and do not owe this late fee or interest charge. I asked to speak to someone in the disputes dept today and was told you can't speak to them. You can only fax something to them. I have also been getting phone calls from them saying I'm past due on my account. I have to call them at least once a week over this mess with this account trying to get this straighten out.

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 monetary relief
Consumer complaint received 2024-03-25 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: GA

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 non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
Yes Midland Credit Management, is attempting to get me to pay an account that was sold to them by XXXX XXXX  unlawfully and I did not consent, which is against my rights and privacy. And also makes the debt a certificate of indebtness. Yet this is still in my credit report and they are still harasss me by mail. The account is CHARGEDOFF Which is certificate of indebtedness- which is a payment so why is my account still negative. [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I submitted a complaint back in XX/XX/2023 regarding my loan payment amount. I was shown one amount online and then told something different. Nothing matched up. Someone from corporate contacted me saying they received the complaint but never followed up. For months, I kept calling speaking with various representatives and no one told me the same thing or could answer my questions. They just kept saying that the payment is what is it. XXXX late payments were reported on my credit and when I called to ask why they told me it was an error and to contact the credit bureau . How do you make that type of error? It still has not been fixed 3 months later. I applied for the Loan Modification in XX/XX/2023 and my payments were reduced for 6 months but once the XXXX month hit it was back to square one. My payment went back to the original amount and I called and called. Again, no answers. The payment is just that amount is what I was told. Fast forward to this year, I keep calling to let them know how I am unable to afford an almost {$2000.00} a month payment and they tell me to try to refinance. As mentioned above, because of the excessive amount of late payments I'm now unable to refinance. I truly feel as though I am out of options with this loan provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: POM Recoveries, Inc.
State: NY

Complaint narrative:
I was seen at XXXX XX/XX/XXXX. 

Insurance company finalized a claim on XX/XX/XXXX indicating that the patient responsibility on this claim was {$75.00}. 

XXXX  continued to bill me. The {$75.00} was paid ; I made a SECOND payment ( in error! ) thinking that I still owed the bill. XXXX  confirmed on the phone ( and via statement ) that XXXX payments for {$75.00} were received. 

Numerous verbal confirmations with XXXX  billing department that they 1. sent this to collections in error, and 2. owed me {$75.00}. They claimed that this would be refunded and they would remove me from collections. 

The collection agency continues to call and today ( XX/XX/XXXX ) verbally said they verified that the debt ( {$75.00} ) is supposedly still owed. 

I have made over a dozen calls to both the collections agency as well as XXXX  trying to resolve this. Nothing has worked. 

I have PHYSICALLY gone to the local office that I was seen at and they brushed me off stating that they can not help me, and that I need to contact the phone number for billing. 

The collection agency in question is POM : https : //pomr.com/

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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:
this is the second time i am reaching out for help. I resubmitted a dispute through the mail and CFPB to the credit bureau back on XX/XX/2024 and it seems as if nothing was done.Experian FAILED to address my issue. They responded stating that " the disputed item is not currently showing on your credit file. I have attached a copy of my credit report below with the Fraudulent account Highlighted for reference. I am a victim of identity theft. I sent the required documents they asked for which were a copy of my driver 's license, FTC report, and social. There is still information on my consumer report that is a result of identity theft.

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 2024-03-25 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: NV

Complaint narrative:
I recently reviewed a copy of my credit report and was shocked to learn I have been a victim of Identity theft. I found numerous accounts that were not open by me. This has been hurting me as Im a n the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. 

Thanks in advance for assisting in resolving this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: NV

Complaint narrative:
I recently reviewed a copy of my credit report and was shocked to learn I have been a victim of Identity theft. I found numerous accounts that were not open by me. This has been hurting me as Im a n the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

Thanks in advance for assisting in resolving this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
Credit Acceptance is reporting an account on my consumer reports and they have yet to verify and validate the debt. I submitted a request for them to send me an authenticated record of the account pursuant to XXXX XXXX XXXX XXXX XXXX which states that the recipient must respond to the request within 14 days. It has been over 14 days and I have not received a response. I have requested that the XXXX XXXX XXXX ( also referred as XXXX XXXX or XXXX XXXX ), a copy of the 1099-c that was filed for the account, the truth in lending disclosures, and the opt out disclosures. I have also requested that they cease all communication both directly and indirectly which includes consumer reporting. Please see attached.

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