vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: HEARTLAND PAYMENT SYSTEMS INC
State: TN

Complaint narrative:
When I called in XXXX to set up my default recovery where you pay 9 months of on-time payments, the agent specifically told me that once I made the 9 perfect payments, I'd have the same rights to place the loans in forbearance or whatever suspension of payments that federal loans or guidelines allow. Now, I don't know if this was an Heartland ECSI agent or some third-party collection agent telling me this ; either way, there's a recording out there of my call since I made voice agreements to the default plan. 

Since I got myself out of default on previous loans around XXXX and have federal students loans, I know the forbearance and deferment rules. 

Fast forward to XXXX, I was able to place my loans in General Forbearance while I wasn't in school, after they went back to payment status, post COVID-19 Pandemic. Once I began school back at XXXXXXXX XXXX to finish my Master 's in XX/XX/XXXX, I had my FA Advisor, XXXX XXXX fill out an In-School Deferment and sent it to ECSI. That's when they denied it saying my loan type only allows General Forbearance. I'd never heard of that until that point. I believe I called ECSI about this, but I can't remember. This is the same school the private student loan was issued. If this loan type only allows General Forbearance, why would the same school 's FA Advisor fill it out for me? Why not tell me In-School Deferment isn't allowed for my loan type? 

Since then, I've tried researching how to file a complaint for misleading and giving inaccurate information to a loan holder back in XXXX. I've had Long-COVID issues where I've been to the doctor a lot, so I was having a hard time finding complaint information. I filed a General Forbearance, and then they again denied it because they said it was in collections. I know no rule that say it can't be put in forbearance if it's already in collections, but not yet officially in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: NJ

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
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

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 2023-12-06 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: NJ

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 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: AZ

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
YOUR COMPLAINT My information was sold and bought illegally because I was a victim of the XXXX XXXX breach. I want these items deleted from my credit report immediately. I am attaching proof that XXXX had admitted I was a fact a victim in this data breach. And XXXX has done nothing. Please help me delete this illegal accounts from my credit report listing the negative account that effected my credit report and my score went from XXXX dropped to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Avant Holding Company, Inc.
State: MD

Complaint narrative:
I AM VICTIM OF IDENTITY THEFT. 

ALL MY PERSONAL INFORMATION WAS EXPOSED IN A NUMBER OF DATA BREACHES DATING BACK FROM XXXX  TO CURRENT. 

I HAVE BEEN COMPENSATED IN CLASS ACTION LAWSUITS AGAINST XXXX AND XXXX. DUE TO THE CURRENT ACCOUNTS FRAUDULENTLY OPENED MY CLAIM WITH XXXX HAS BEEN EXTENDED POLICE REPORTS, COMPLAINTS AND AFFIDAVITS HAVE ALL BEEN SIGNED BY LAW ENFORCEMENT AND A CREDIT FREEZE HAS BEEN PLACED. 

THE CREDITORS I LISTED HAVE ALL BEEN DISPUTED WITH CREDIT BUREAUS BUT STILL REMAIN ON MY CREDIT FILE EVEN WITH ALL OF THE SUPPORTING DOCUMENTS. 

ATTACHED IS THE FTC REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXX Balance : {$3700.00}

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 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I'd like to opt out of this account reporting on my credit profile under the Graham Leach Bliley Act for Regulation P of Privacy of Consumer Financial Information Act ; 12 CFR Part 101. Please provide me with a reasonable opt out form that can be submitted electronically with the original cardholder agreement that lists the disclosures giving me a right to opt out. If a form or cardholder agreement can not be provided, I would like to use this complaint as a request to opt out of this account from reporting to any non-affiliated third parties including any credit reporting agencies. 

Attached is a copy of the statement of the account in question, along with a copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: NJ

Complaint narrative:
Good day! I am asking requesting for your assistance help regarding with this wrong information on my credit report. Under the provisions of the FCRA 15 USC Section 1681i, please reinvestigate and delete the disputed items below. 

XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XXXX 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 2023-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to dispute the inaccurate late payments reported on my credit file. After a thorough review of my credit report, I have identified discrepancies that I believe are affecting my credit score negatively. The purpose of this letter is to request an investigation into these discrepancies and to rectify any inaccuracies in my credit report. 
Below, I have outlined the specific details of the inaccurate information on my credit report : XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have been a responsible and diligent payer, consistently meeting all of my financial obligations on time. However, the late payments reported on my credit file do not accurately reflect my payment history. I kindly request a thorough investigation into these discrepancies and the removal of any inaccurate information from my credit report. 
I understand that, according to the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputed information within 30 days of receiving a consumer dispute. I kindly request that you initiate an investigation into the inaccuracies I have identified and inform me of the results upon completion of your investigation.

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 2023-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited a check from a marketing company I received to do surveys. I thought I had lost the check and found it in an purse I had used previously. The check/cashiers check was returned and I am told was flagged as a fraudulent item. This deposit occurred on XX/XX/2023. On XX/XX/2023, my transactions were declined which is the same day my standard direct deposit to the same account for approx. 1 1/2 years. I contacted the bank being able to see that my XXXX had been processed. I was informed the account was suspended, I had no access to funds due to the previous deposit of the cashiers check had been returned, and an investigation was occurring. No notice, no next steps, no access to funds, and it would take 14 days. My XXXX more than covers the return ( cashiers check was approx {$1400.00} and I had a balance of approx. {$400.00} at the time of the deposit ), and my XXXX is approx. {$3000.00}. I was treated as if I had done something wrong despite having my account for several years with Bank of the West/Now BMO without incident. I am incurring late charges, return charges, unable to pay basic needs such as rent, food, insurance, and despite stating a notice was mailed, I have yet to receive any communications from BMO. They will not even inform me of how they will contact me after the investigation upon multiple requests of the process and next steps. I am requesting their notifications, practices, and reasons be inquired upon, along with the release of any funds as a result of my XXXX which is currently unavailable, and any and all late charges, be compensated for. I am being treated like a criminal v. a victim of fraud and without any support from BMO. I have spoken to and provided them with all the information I have, to no avail.

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 2023-12-06 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: NJ

Complaint narrative:
Good day! I am asking requesting for your assistance help regarding with this wrong information on my credit report. Under the provisions of the FCRA 15 USC Section 1681i, please reinvestigate and delete the disputed items below. 

XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX  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 2023-12-06 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: NJ

Complaint narrative:
Good day! I am asking requesting for your assistance help regarding with this wrong information on my credit report. Under the provisions of the FCRA 15 USC Section 1681i, please reinvestigate and delete the disputed items below. 

XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc.
State: AZ

Complaint narrative:
This 3rd party collection reporting company PROGRESSIVE MANAGEMENT S will not Delete this account from my credit report after they was told from my Medical Provider all my bills are paid through XXXX XXXX XXXX XXXX XXXX XXXX  Under Fair Credit Reporting Act Law, Section 609 through 617 I have the rights to have this account Deleted permanently from my records once paid in full. Ive sent them letters stating I would pay along as they would agree to Delete from my report and the still refused and stated there is nothing I can do about it PROGRESSIVE MANAGEMENT S Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 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: TX

Complaint narrative:
I am writing to express my deep concern and frustration regarding the numerous attempts to remove fraudulent items from my credit file. Despite my efforts to address and rectify this situation, it appears that unauthorized parties are persistently attempting to manipulate my credit report, raising serious questions about the security and accuracy of my credit information. 

On multiple occasions, I have observed and documented several attempts to remove fraudulent items from my credit report without my consent or validation. These actions not only jeopardize the accuracy of my credit history but also indicate a potential security breach. 

Despite the significant impact of these removal attempts, I have not received any communication from your agency to verify or authenticate such changes. The absence of proper verification procedures is deeply concerning and contributes to the ongoing vulnerability of my credit information. 

The persistent nature of these removal attempts has heightened my concerns about the risk of identity theft. I have taken immediate steps to secure my personal information, but I urgently request a thorough investigation to prevent further unauthorized alterations to my credit file. 

I am formally requesting that your agency conducts an immediate and thorough investigation into these incidents. I also seek regular updates on the progress of the investigation and detailed information on any actions taken to prevent and rectify the unauthorized removal attempts on my credit report. 

To assist in your investigation, I have attached relevant documents. I am asking for your assistance to remove these fraudulent items in my credit file : 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

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 2023-12-06 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: TX

Complaint narrative:
I am writing to express my deep concern and frustration regarding the numerous attempts to remove fraudulent items from my credit file. Despite my efforts to address and rectify this situation, it appears that unauthorized parties are persistently attempting to manipulate my credit report, raising serious questions about the security and accuracy of my credit information. 

On multiple occasions, I have observed and documented several attempts to remove fraudulent items from my credit report without my consent or validation. These actions not only jeopardize the accuracy of my credit history but also indicate a potential security breach. 

Despite the significant impact of these removal attempts, I have not received any communication from your agency to verify or authenticate such changes. The absence of proper verification procedures is deeply concerning and contributes to the ongoing vulnerability of my credit information. 

The persistent nature of these removal attempts has heightened my concerns about the risk of identity theft. I have taken immediate steps to secure my personal information, but I urgently request a thorough investigation to prevent further unauthorized alterations to my credit file. 

I am formally requesting that your agency conducts an immediate and thorough investigation into these incidents. I also seek regular updates on the progress of the investigation and detailed information on any actions taken to prevent and rectify the unauthorized removal attempts on my credit report. 

To assist in your investigation, I have attached relevant documents. I am asking for your assistance to remove these fraudulent items in my credit file : 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

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 2023-12-06 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: TX

Complaint narrative:
I am writing to express my deep concern and frustration regarding the numerous attempts to remove fraudulent items from my credit file. Despite my efforts to address and rectify this situation, it appears that unauthorized parties are persistently attempting to manipulate my credit report, raising serious questions about the security and accuracy of my credit information. 

On multiple occasions, I have observed and documented several attempts to remove fraudulent items from my credit report without my consent or validation. These actions not only jeopardize the accuracy of my credit history but also indicate a potential security breach. 

Despite the significant impact of these removal attempts, I have not received any communication from your agency to verify or authenticate such changes. The absence of proper verification procedures is deeply concerning and contributes to the ongoing vulnerability of my credit information. 

The persistent nature of these removal attempts has heightened my concerns about the risk of identity theft. I have taken immediate steps to secure my personal information, but I urgently request a thorough investigation to prevent further unauthorized alterations to my credit file. 

I am formally requesting that your agency conducts an immediate and thorough investigation into these incidents. I also seek regular updates on the progress of the investigation and detailed information on any actions taken to prevent and rectify the unauthorized removal attempts on my credit report. 

To assist in your investigation, I have attached relevant documents. I am asking for your assistance to remove these fraudulent items in my credit file : 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

Company response to consumer: Closed with non-monetary relief