vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-05 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: NY

Complaint narrative:
On XX/XX/XXXX, I requested XXXX retract their reports to the credit bureaus that my four private loans were 60 days delinquent in XXXX of XXXX as per the New York State Department of Financial Services ( DFS ) private student loan relief program instated on XX/XX/XXXX, XXXX was to provide a minimum of 90 days of forbearance without late fees or reporting of past-due payments to the credit reporting agencies. On XX/XX/XXXX, I entered into forbearance with XXXX retroactively back to XX/XX/XXXX, which brought my accounts current. Under the provisions of the private student loan relief program, XXXX should have corrected the status of my loans during the forbearance period and did not. Further, my accounts have been current and paid on time since XX/XX/XXXX. Despite my requests, XXXX has yet to correct my 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 non-monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I requested XXXX retract their reports to the credit bureaus that my four private loans were 60 days delinquent in XXXX of XXXX as per the New York State Department of Financial Services ( DFS ) private student loan relief program instated on XX/XX/XXXX, XXXX was to provide a minimum of 90 days of forbearance without late fees or reporting of past-due payments to the credit reporting agencies. On XX/XX/XXXX, I entered into forbearance with XXXX retroactively back to XX/XX/XXXX, which brought my accounts current. Under the provisions of the private student loan relief program, XXXX should have corrected the status of my loans during the forbearance period and did not. Further, my accounts have been current and paid on time since XX/XX/XXXX. Despite my requests, XXXX has yet to correct my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I requested XXXX retract their reports to the credit bureaus that my four private loans were 60 days delinquent in XXXX of XXXX  as per the New York State Department of Financial Services ( DFS ) private student loan relief program instated on XX/XX/XXXX, XXXX was to provide a minimum of 90 days of forbearance without late fees or reporting of past-due payments to the credit reporting agencies. On XX/XX/XXXX, I entered into forbearance with XXXX retroactively back to XX/XX/XXXX, which brought my accounts current. Under the provisions of the private student loan relief program, XXXX should have corrected the status of my loans during the forbearance period and did not. Further, my accounts have been current and paid on time since XX/XX/XXXX. Despite my requests, XXXX has yet to correct my 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 2023-09-05 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: TN

Complaint narrative:
XX/XX/2023 I requested by letter that the 3 credit bureaus remove the the unknown companies with the collection accounts on my credit report. I have not opened any accounts with these companies. Only one bureau was updated, and one month later XX/XX/2023 my credit score goes down by XXXX points without any reason given. 

Company names : XXXXXXXX XXXX XXXXXXXX {$120.00} XXXX XXXX {$150.00} XXXX XXXX XXXX {$1600.00}

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 2023-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Newman, Hesse & Associates, P. A.
State: KS

Complaint narrative:
I received a email from my job on XX/XX/XXXX stating that a debt collector " Newman, Hesse & Associates '' for XXXX XXXX has entered a court arrangement to garnish wages, the order was made in court on XX/XX/XXXX and wages were taken from that upcoming pay week. 

On XX/XX/XXXX contacted original creditor company ( XXXX XXXX XXXX ) at number " XXXX '' and the number was disconnected this company is no longer in operation. I then contacted Newman, Hesse, & Associates at XXXX, the automated system told me to enter an extension, which was not provided in the paperwork and no one answered the main number listed that I called on multiple occasions, Finally on XX/XX/XXXX or XXXX I called the HR department for my job " XXXX '' and let them know that this is a fraud and to stop the garnishment, XXXX reached out to company and I was transferred to a male " XXXX '' who told me that I was served court orders in XXXX, and I did not respond. I informed him to show me proof and to correspond my mail. I mailed an affidavit of truth along with a letter asking for the debtor to provide me with evidence of the debt. This was mailed out on XX/XX/XXXX via certified mail. I also sent a letter regarding statute of limitations along with debt validation letter via email to XXXX and XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I did not give written permission to have these accounts furnished on my consumer report.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Again, I did not give written consent or permission to have these accounts furnished on my consumer report. This agency is in direct violation of the law.
15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2023-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
My name is XXXX XXXX and I am filing a complaint because my rights under the FDCPA and FCRA have been violated by LVNV Funding LLC. In XXXX of XXXX, I became aware that LVNV had listed a collection regarding a debt that they claim that I owed. I immediately asked them to produce documentation, Specifically the original signed contract, validating this debt in accordance with the FDCPA. They failed to produce that contract or any documentation that would meet the standard of validation set by the FDCPA. They claim to have completed multiple reinvestigations, but they still could not produce those documents. According to the FDCPA, if a collector fails to validate, they must delete the disputed account from the consumers credit report. LVNV Refused to comply with this requirement. For over two and a half years, I have gone back and forth with this company to get them to comply with the law. The account is now so old, it has been time-bared from being collected on in the state of Florida. When I informed them that they no longer have the right to collect on this debt, LVNV Funding expressed their intent to violate state law and continued collection action on this debt. Since LVNV Funding has expressed their intent to break the law, I would also like to see their license to collect in the state of Florida, license # XXXX, be suspended or revoked so that they can no longer engage in this fraudulent activity. I was denied for an apartment, a bank account, and for lines of credit due to this companys refusal to remove this time-barred account. I have suffered financial and reputational damages and my character has been defamed. My case against this company is open and shut and I do plan to take legal action if this is not resolved. I want this account deleted from my credit report immediately and I want this companys license to be put under review by the Florida Office of Financial Regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nations Direct Mortgage, LLC
State: FL

Complaint narrative:
Nations Direct Mortgage has reported our account deliquent for over 120 days while we have been in an Forbearance agreement. I asked several times and they even reported XXXX and XX/XX/2023 and I called. They made corrections to mine but not my husband who is a co-borrower. During this period I one of my other recurring accounts was closed because they said I was credit risk. We denied as cosigners for my daughter 's student loan which we desperately need. I am attaching the credit correction letter sent to Nations today as well as the credit notice from XXXX credit monitoring for my husband XXXX XXXX as well as the Forberance agreement. Our credit is effectively ruined.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I did not give written permission to have these accounts furnished on my consumer report.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Again, I did not give written consent or permission to have these accounts furnished on my consumer report. This agency is in direct violation of the law.

15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2023-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: CA

Complaint narrative:
I came back from my foreign service commitment and noticed this collection on my credit report. I am not in the country in the last five years and whatever that was occurred four years ago and i am not aware of any account from this collector or any that would have resulted in this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WA

Complaint narrative:
I submitted an application to change from XXXX plan to SAVE plan. I have been on XXXX since XXXX. I submitted an application to switch plans and included my income verification. This was XX/XX/XXXX. On XXXX XXXX, MOHELA denied my application stating I did not include income verification, which I did through the student aid website. The big issue is MOHELA took me off my original IDR plan, XXXX and placed me on Standard Plan with no explanation. I am in the PSLF program and I have 3 years left. I need to be on an IDR plan to qualify and theres no reason why I should have been taken off XXXX and moved the standard if my SAVE plan change was requested. 

I tried reaching out via calling and sending message on XXXX XXXX. I have not been able to get ahold of a representative. 

I need MOHELA to contact me back to fix my plan issue and verify how much I owe XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Account Number : Please remove it from my credit report. 

2. The following personal information is incorrect 3. The following personal information is incorrect Employers : XXXX XXXX 4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX 5. The inquiry was not authorized XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX 6. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX 8. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX 9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX 10. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX 11. The inquiry was not authorized XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX 12. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX 13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX 14. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, 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 2023-09-06 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: VA

Complaint narrative:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX - {$0.00} Account Name : XXXX XXXX  Account Number:XXXX {$330.00} Account Name : XXXX Account Number : XXXX {$180.00} 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX - {$0.00} Account Name : XXXX XXXX  Account Number:XXXX {$330.00} Account Name : XXXX Account Number : XXXX {$180.00} 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2023-09-06 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: IL

Complaint narrative:
I requested that XXXX, XXXX, and Equifax reinvestigate the following accounts : Account name # XXXX, Account name # XXXX, Account name # XXXX, and Account name # XXXX. However, they have responded that the information is complete and accurate. I disagree, as the open date, date of last activity, and other information is incorrect. According to 15 USC 1681 ( 5 ), consumer reporting agencies are required to modify accounts that are not reporting correctly. 

I have also included the relevant sections of the Fair Credit Reporting Act ( FCRA ) that you mentioned. These sections state that you have the right to privacy, that consumer reporting agencies can not furnish a report without your written instructions, and that consumer reporting agencies can not include certain types of information in a report, such as criminal convictions that are more than seven years old. 

I hope this is helpful. Please let me know if you have any other questions. 

Here is another way to say it : I have disputed the accuracy of the information on my credit report with XXXX, XXXX, and Equifax. The accounts in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The information that is incorrect includes the open date, date of last activity, and other information. 

According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to investigate disputes and modify or delete inaccurate information. I have provided the credit reporting agencies with all of the documentation that supports my dispute. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

I am requesting that the credit reporting agencies reinvestigate my dispute and modify or delete the inaccurate information. I am also requesting that they send me a copy of my updated credit report.

Company response to consumer: Closed with non-monetary relief