vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My personal and private information was stolen. Two of my credit cards were stolen by a perpetrator pretending to be me. This perpetrator maxed out both of my cards and left me with XXXX  of dollars in debt and a very low credit score. The accounts are listed below. 

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 2023-01-04 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: FL

Complaint narrative:
My personal and private information was stolen. Two of my credit cards were stolen by a perpetrator pretending to be me. This perpetrator maxed out both of my cards and left me with XXXX  of dollars in debt and a very low credit score. The accounts are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My personal and private information was stolen. Two of my credit cards were stolen by a perpetrator pretending to be me. This perpetrator maxed out both of my cards and left me with XXXX  of dollars in debt and a very low credit score. The accounts are listed below. 

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 explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: MA

Complaint narrative:
MOHELA has had my loan portfolio, including my XXXX  forms, since XXXX. I can not get them to give me an updated payment count. They told me in XXXX it would update in a month and it didn't. XXXX and XXXX have passed by and it hasn't updated. 

I spoke to an agent today and they said it would be another 90 days. I told them that wasn't acceptable as they've had all of my documentation since XXXX and I need to know my qualified payment count for planning purposes around my employment and getting married for tax purposes. They said they'd transfer me to a " supervisor '' but I was put on hold and no one picked up the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Resurgent Capital Services L.P. Is attempting to collect a debt that was deemed a fraudulent account by the FTC, CFPB, XXXX XXXX XXXX XXXX, AND all three major credit bureaus. When I previously disputed this item -- Resurgent Capital Services L.P. response was providing a statement from XXXX showing I made a payment on the account. I am unsure how this " proves '' the account was not fraud and/or the result of identity theft -- it certainly does not meet the legal definition in by the provisions of 15 USC Section 1681i of the Fair Credit Reporting Act. Making a payment on the account does not prove it was not fraud. I made a payment in an attempt to avoid it hurting my credit while I disputed the information. XXXX XXXX XXXX XXXX required that I get a police report, and also an FTC affidavit in order to dispute the charges. Which I did- but the took time. I have attached copies here -- again. My XXXX CREDIT CARDS WERE STOLEN FROM MY HOME. Along with my ID, my social security card, etc. This resulted in identity theft. The cards were not OPENED fraudulently. They were stolen and USED fraudulently to open other accounts. I attached the police report that says as much. 

My next step is to file a complain with the Florida Attorney General 's office and also to file suit against Resurgent Capital as I have med the burden of proof that these items are a result of fraud AND they they have already been removed from my credit previously. Which means that Resurgent IS still attempting to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: IL

Complaint narrative:
ON XXXX THIER WAS AN FTC REPORT SUBMITTED TO ALL THREE CREDIT REPORTERS STATING THIER WAS INACCURATE INFORMATION BEING REPORTED AGENCIES WHERE ASK TO REMOVE THE INACCURATE INFORMATION AND TO BE BLOCKED UNDER FCRA SECTION 611 A 1 A ACT 605 A AND ACT 609

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I filed for bankruptcy in 2020 because of my vehicle only which my attorney and the court was aware. XXXX  stopped reporting my loan details to the credit reporting agencies and claims my mortgage was part of the bankruptcy which it was not. I tried to resolve the issue with the lender and credit agencies. The lender replied to all agencies and keeps telling them the information theyve been reporting is accurate even though its not since the loan is active and current.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I filed for bankruptcy in 2020 because of my vehicle only which my attorney and the court was aware. XXXX  stopped reporting my loan details to the credit reporting agencies and claims my mortgage was part of the bankruptcy which it was not. I tried to resolve the issue with the lender and credit agencies. The lender replied to all agencies and keeps telling them the information theyve been reporting is accurate even though its not since the loan is active and current.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I filed for bankruptcy in 2020 because of my vehicle only which my attorney and the court was aware. XXXX  stopped reporting my loan details to the credit reporting agencies and claims my mortgage was part of the bankruptcy which it was not. I tried to resolve the issue with the lender and credit agencies. The lender replied to all agencies and keeps telling them the information theyve been reporting is accurate even though its not since the loan is active and current.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
This is a complaint that has multiple issues. Firstly, the payoff was made on XX/XX/XXXX and the bank refuses to apply the payment. Secondly, in 3 days, the payment will be 30 days late. This car was refinanced with Truist and Truist has the title and lien release from the previous bank, however they failed to add themselves as a lien holder. The car was totaled on XX/XX/XXXX. XXXX. Truist was paid out on XX/XX/XXXX but will not apply the payment because they never added themselves as lien holder. That is not my problem. Triust has taken payment from me without being a lien holder since XX/XX/XXXX now suddenly they can't take a payment because they didn't process the paperwork to add themselves as lien holder? When call and we're told that we we're responsible for the payment until they decide to apply the check to pay in in full that is SITTING THERE in their office??? Interest is accruing daily and it will soon be reported late to my credit report. Truist needs to rectify this situation immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04 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: MI

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

XXXX XXXXXXXX XX/XX/XXXX {$3400.00} XXXX  - XX/XX/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 XXXXXX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: TX

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by Federal and State Law to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable by perjury under 18 U.S.C. 1621. These items in my credit report are not related to any transactions I have made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money. If you feel I obtained goods or services please have a senior XXXX from your company certify under the penalty of perjury that i received goods or services. These companies are in violation for putting these unknown hard inquiries on my credit report. This has caused unwanted suffering and is defamation of my character. These hard inquiries are not mine and I did not authorize it. Please investigate and remove it from my credit report asap. 


XXXX. XXXX XXXX Date : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequoia Financial Services
State: CA

Complaint narrative:
I had a XXXX bill from Sequoia Finance Service for {$340.00} and that bill was paid

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint because the Credit Reporting agencies are inaccurately reporting outdated and or wrong information on my credit profile. I have mailed to the agencies my correct and accurate personal info to be displayed on my credit profiles. I will attach the letters I sent to each bureau. Please erase and remove ALL OUTDATED AND INCORRECT personal information from my credit and update with the correct information. I will have attached the info that should be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint because the Credit Reporting agencies are inaccurately reporting outdated and or wrong information on my credit profile. I have mailed to the agencies my correct and accurate personal info to be displayed on my credit profiles. I will attach the letters I sent to each bureau. Please erase and remove ALL OUTDATED AND INCORRECT personal information from my credit and update with the correct information. I will have attached the info that should be updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: M&T BANK CORPORATION
State: MD

Complaint narrative:
During the month of XX/XX/2022, on approx XX/XX/XXXX a transaction from a hotel charge in Texas appeared on my account and a day later a charge for airline tickets appeared on my account. 
I did not complete these transactions. AND HAVE NOT HAD ANY DISPUTES OUTSIDE OF THESE TWO CHARGES IN MY BUSINESS ACCOUNT. THE REASON THE BANK IS NOT GIVING MY MONEY BACK IS BECAUSE THEY SAY THE VENDER PROVED MY NAME AND ADDRESS WAS USED.

THAT IS NOT MY CONCERN OR ISSUE I DID NOT DO IT AND IF ITS NOT FOUND AS FRAUD THAT AGAIN IS NOT MY ISSUE .... NO WHERE IN THE SERVICE AGREEMENT WITH m AND t BANK DOES IT SAY THE VENDORS WORD TRUMPS MINE. THEY SAID SINCE MY NAME APPEARED IT IS VALID... MY ISSUE IS WHEN A FRAUD TRANSACTION HAPPENS I DO NOT KNOW WHY OR HOW THEY WOULD BENEFIT THE VENDOR BUT IT IS NOT FOR ME TO EXPLAIN IT IS SIMPLY NOT MY DOING. 
XXXX CHARGE FOR {$730.00} AND XXXXXXXX XXXX FOR {$490.00} TWO DAYS APART AND NEITHER ARE MINE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
While reviewing my report again, I found several inaccuracies which are once again causing my home loan application to be turned down through XXXX XXXX I have sent repeated letters to the respective companies, and this is my last attempt before taking legal action. My attorney suggested I send this last letter. I would very much appreciate you deleting the following mistakes on my credit report. Enclosed. you will find copies of the necessary documentation that will correct the information you XXXX have received in error, along with a copy of the credit report in question. The items referred to below and needs to be deleted from my credit report. 

XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ( Closed ) # XXXX I have had my life on hold now for XXXX years trying to fix my credit report. The mortgage professionals at XXXX XXXX XXXX XXXX XXXX, have informed me that need to get these items taken off my credit report as soon as possible, because it is inaccurate and needs to be fixed. 

Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04 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: OH

Complaint narrative:
While reviewing my report again, I found several inaccuracies which are once again causing my home loan application to be turned down through XXXX XXXX. I have sent repeated letters to the respective companies, and this is my last attempt before taking legal action. My attorney suggested I send this last letter. I would very much appreciate you deleting the following mistakes on my credit report. Enclosed. you will find copies of the necessary documentation that will correct the information you XXXX have received in error, along with a copy of the credit report in question. The items referred to below and needs to be deleted from my credit report. 

XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ( Closed ) # XXXX I have had my life on hold now for XXXX years trying to fix my credit report. The mortgage professionals at XXXX XXXX XXXX XXXX XXXX, have informed me that need to get these items taken off my credit report as soon as possible, because it is inaccurate and needs to be fixed. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
Fortiva credit card/ was called back in XXXX of 2021, regarding the account being closed and consumer explain the reason for the request to close account, I asked for a close out letter explaining my options and amount owed, instead the account was still open to allowing the Fortiva to access the auto payment system of {$55.00} withdrawal from my checking account with XXXX XXXX  XXXX this went unnoticed for several months, until I called customer service regarding the auto payments, and the maintenance fees attached to this account each month.. again I requested the stop payment on the account and the maintenance fees, I left several emails to the customer service/ disputing the charges... I specifically asked in my correspondence that I wasn't happy or satisfied with the services provided, this account was in good standing prior years, now its in default with a negative impact on my credit report..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-04 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: FL

Complaint narrative:
Please see the attached documents regarding my complaint against TRANSUNION. They are reporting a late payment when I have proof that the account was paid on time, and there is a finance charge on my sales contract so there is no way that the account can be considered late. The account is XXXX XXXX  XXXX. I also filed a CFPB complaint against XXXX XXXX  in which they have yet to respond or provide validation so this should not be reporting on my credit report. Please see the attached letter that was sent to Transunion last month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: CA

Complaint narrative:
On XX/XX/XXXX, I called Edfinancial about refunding the payments I made during the pandemic. I called several times to inquire as to a time frame, I was told it was unknown. I was told that the refund was sent to the department of the treasury on XX/XX/XXXX. I inquired twice more about the reason it was taking so long. On about XX/XX/XXXX, I filed a complaint with CFPB. I received a partial refund on XX/XX/XXXX. I have called twice more about the remaining refund and I was told the whole amount was sent to the department of Treasury on XX/XX/XXXX. XXXX. Which is weird since supposedly it was sent back on XX/XX/XXXX. It is now XX/XX/XXXX, and I still have not received the refund in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act National credit systems acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX has violated my rights. 

15 u.s.c 1681 section 602 A : States I have the right to privacy 15 u.s.c 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
ON XXXX THIER WAS AN FTC REPORT SUBMITTED TO ALL THREE CREDIT REPORTERS STATING THIER WAS INACCURATE INFORMATION BEING REPORTED AGENCIES WHERE ASK TO REMOVE THE INACCURATE INFORMATION AND TO BE BLOCKED UNDER FCRA SECTION 611 A 1 A ACT 605 A AND ACT 609

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