vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
CFPB, Can you please make them remove these account under consumer code 15 USC 1681eb ... According to the IRS canceled debt ( CHARGE OFF ) is gross or ordinary income. Income doesn't get reported on your consumer report. So since income dose not get reported on your consumer report. A Charge Off is a inaccurate account and it have to be removed. Here are the accounts I am asking to be deleted ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
CFPB, Can you please make them remove these account under consumer code 15 USC 1681eb ... According to the IRS canceled debt ( CHARGE OFF ) is gross or ordinary income. Income doesn't get reported on your consumer report. So since income dose not get reported on your consumer report. A Charge Off is a inaccurate account and it have to be removed. Here are the accounts I am asking to be deleted ... XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX AL XXXX XXXX XXXX XX/XX/XXXX XXXX FCU-ALEXAND XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This Letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments is inaccurate. Please investigate and verify all data for this account is reporting accurately including every notation, date, and balance whether reported or not. 

XXXX XXXX XXXX Account # 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 2023-06-25 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: FISERV FINXACT CORE
State: NH

Complaint narrative:
My work corporation uses Money Network if you don't submit your own bank account details for direct deposit. I have had transactions that took place in the past 6 months from unknown sources stating I made memberships I did not make and charged me a monthly fee that I did not authorize through my checking account. I notified Money network 4 or 5 separate times in regards to these fraudulent withdrawals that I did not authorize but there was nothing done other than telling me to lock my card and that was the third answer I received because the first two said I had to take it up with my work. The fourth person saidy account had been hacked by an IP address from XXXX XXXX, XXXX, and XXXX... I reside in the United States and have not left since my father was XXXX to XXXX back in XXXX or so. I've had about XXXX $ maybe more stolen from me from these foreign places and numerous details from websites that had a XXXX in the description. I contacted the XXXX and had to confront some of them myself to have them return my money, my bank did nothing to secure my account or to notify me of fraudulent activity knowing that I had called and complained numerous times. So here we are again and I got paid XXXX dollars in my paycheck, haven't spent a dime of it yet but somehow only have XXXX left in my account and no available credit in my XXXX XXXXXXXX account which I have also been having issues with regarding my bank and money being returned. It always gets deducted when I have it available but it never gets returned to my account.. I'm at a loss now and feel like I'm being ripped off left and right when I work hard to earn what I make so I can support my family with food. This past week has been a nightmare and I haven't had any funds that I earned that I am able to access to support my kids husband or animal 's so I figured this was my last/ best alternative to get help and to be able to get everything that was taken from me back because the banks don't care it seems.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This Letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments is inaccurate. Please investigate and verify all data for this account is reporting accurately including every notation, date, and balance whether reported or not. 
XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: TX

Complaint narrative:
This Letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments is inaccurate. Please investigate and verify all data for this account is reporting accurately including every notation, date, and balance whether reported or not. 
XXXX XXXX Account # 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 2023-06-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been waiting more then 30 days to hear back from XXXX and also transuion and this problem report neither party has given me a reply mail or response images and dates are attached with complain number must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed. If this doesn't happen, the bureau is then in violation of the FCRA.

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 2023-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: FL

Complaint narrative:
I disputed this item with the credit bureau and the collection agency. United Collection Bureau violation of Hippa is all the reason to remove the item from my credit. I asked for verification of this collection and the company didnt provide the proper verification. This collection was removed from XXXX and XXXX however XXXX has said that debt is verified on a couple different occasions. This is false and incorrect information being reported and told to me via experian.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This Letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments is inaccurate. Please investigate and verify all data for this account is reporting accurately including every notation, date, and balance whether reported or not. 

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 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This Letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments is inaccurate. Please investigate and verify all data for this account is reporting accurately including every notation, date, and balance whether reported or not. 

XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This Letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments is inaccurate. Please investigate and verify all data for this account is reporting accurately including every notation, date, and balance whether reported or not. 

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 explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Hello, I am filing this complaint against Ally Financial for breach of contract. The company had promised to remove my late payments for XX/XX/XXXX and XX/XX/XXXX. We both signed an agreement and the company has reinserted these negative marks on my account. 

In another aspect, the company has marked the month of XX/XX/XXXX as a late payment. This is what happened in XX/XX/XXXX, I extended my lease for an additional 6 months, extending it from XXXX until XXXX. I made the XXXX payment over the phone, as instructed by the representative who informed me it would be set up as an automatic payment. Despite having set up the auto payment, the company reported a late payment for XXXX. Surprisingly, I did not receive any phone calls regarding the matter, considering the payment was supposed to be automated. 

Furthermore, I never received any statements indicating that my payments were late, despite my repeated calls and insistence on obtaining such documentation. The online statements consistently displayed a balance of XXXX, adding to the confusion. Upon contacting Ally Financial, they initially assured me that the issue would be resolved within 10 days. However, upon my subsequent call, I was informed that an investigation needed to be conducted. 

Following the investigation, Ally Financial informed me that they had indeed missed the payment. I requested proof of their attempts to contact me, specifically an email indicating a past-due status, but they failed to provide any such evidence. 

This situation is stressful for me, my financial life is ruined by this problem. I can't sleep and I've lost my appetite.

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 2023-06-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Self Financial Inc.
State: MI

Complaint narrative:
OnXX/XX/XXXX, I paid off and closed a " credit builder '' loan from Self. I am expecting about {$520.00} to be redeposited into my bank account, which they have said will take about XXXX days from the date of closure of my loan account. Around day XXXX, I contacted Self regarding my payout, which they said they are still processing. Today is XX/XX/XXXX, and I still have not received my payout.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: SLM CORPORATION
State: CA

Complaint narrative:
I applied for a student loan for my last year in law school with Sallie Mae. They said I needed a cosigner. I don't have any delinquent accounts, collections, etc. In fact, I have a credit card ( s ) and a car loan. I have taken out a few student loans with Sallie Mae previously and used the same cosigner. My cosigner has not had any changes or negative impacts on his credit since he became my cosigner. However, when Sallie Mae called my cosigner, he sounded like he was at home and was very rude. My cosigner didn't confirm any information because the agent from sallie mae sounded like it could be a fraudulent phone call. We tried to call sallie mae the next day but after 45 mins of waiting on hold, we had to hang up. However, I received an email stating I was denied my loan. They said my cosigner wasn't credit-worthy but he was credit-worthy for the previous 3 loans. I believe they did this because we were not receptive to the agent that sounded like he was part of a scam and very rude. 
This is the only means of financial aid because I attend a private law school, and there aren't any federal grants/federal aid for the XXXX XXXX XXXX XXXX XXXX XXXX I don't have any other options for aid. I am stuck with Sallie Mae and they take advantage of students because they know we don't have any other options.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXXEquifax dropped my credit report XXXX XXXX the reason per Equifax credit card balance decreased-and XXXX went up XXXX had to correct their report because of the inaccurate information-My Student Loans have been paid in full twice on XX/XX/XXXX by Borrowers Defense and by PSLF on XXXX XXXXit is coded incorrectly this is NOT a charge off it is a payoffXXXX XXXX XXXX XXXX XXXX XXXX XXXX  so I could get my loans taken care of-see attached-my XXXX  XXXX was paid in full-see attached-my XXXX is up to date-see attached XXXX was not opened XXXX-I have not had XXXX  for over 7 yrs and it was paid in full-I am tired of this incorrect reporting and incompetent customer service-I will begin the legal process if this is not corrected and I will email XXXX  as I have done before helping them develop forms to fight incorrect information on student loan reporting-i work XXXX XXXX and raise a family-I do not want charity-I want fair credit reporting-I have put up with these inaccuracies long enough being too tired to fight them due the death of my XXXX XXXXXXXX and XXXX XXXX still work XXXX XXXX-have to pay XXXX XXXX  rent increase XXXX dollar rent-I have decreased my debt by over XXXX by paying it off-no evictions-no bankruptcy-I am paying XXXX a month on my legitimate collections-first a breach of information and now thisXXXX fixed their report-after I brought it to their attention by over XXXX points-your system is not always correct-so a breach of secured information and non fair credit reporting I will go to the highest level court to get this fixed and that this does not continue to happen to other students-families-etc

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This Letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments is inaccurate. Please investigate and verify all data for this account is reporting accurately including every notation, date, and balance whether reported or not. 

XXXX Account # 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 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This Letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments is inaccurate. Please investigate and verify all data for this account is reporting accurately including every notation, date, and balance whether reported or not. 

XXXX  Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This Letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments is inaccurate. Please investigate and verify all data for this account is reporting accurately including every notation, date, and balance whether reported or not. 

XXXX Account # 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 2023-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC
State: IN

Complaint narrative:
Jefferson capital systems has XXXX debts in my name one I paid them for after they sued me with out informing me properly and forced me to go into a financial hardship I am now barely making rent or anything else. The second is a debt for phone bill from an account I never opened I have disputed it several times and they refuse to remove the debt as mine and as a result I have no choice but to put it in a debt management program and report them to you to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
This is my 2nd request to get Mr  XXXX to honor what they said i could do post covd19 forbearance which was to extend my past due payments to the end of my loan. I have been in forbearance since XXXX and still waiting on Mr.CoopXXXX and VA to assist. If I have to get an attorney to get the assistance that I need I will. I was current on my mortgage before entering into covd19 payments protection plan. I'm a veteran of the XXXX XXXX XXXX and need for Mr.Cooper to honor what they said I could do post covd19. Mr XXXX lied to me stating VA does not offer that program any more which was not true because I contacted VA myself and they informed me that Mr.Cooper refused to participate in this program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
The bank closed my savings account without notice and still accepted direct deposits to the account after denying me access to view balances online. I've called multiple times and was told a check was mailed for the funds in the account at the end of XXXX. I mailed a letter to the bank requesting funds be mailed again in early XXXX and have not received any responses.

Company response to consumer: Closed with explanation