vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-19 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: IL

Complaint narrative:
Upon reviewing my quarterly credit report, I've observed that my charge off with XXXX XXXX still maintains a balance. Further investigation revealed that when an account is charged off with XXXX, Experian, and XXXX, it should indicate a XXXX balance. Since this debt has been officially written off, I kindly ask for your cooperation in updating the balance to {$0.00} with XXXX, Experian, XXXX, and XXXX XXXX. It is incorrectly effecting Debt to Income Ratio ( DTI ). 

Additionally, I have made multiple requests to XXXX XXXX for a 1099-C, as required by the IRS when a debt of {$600.00} or more is charged off. Despite this, I have yet to receive the necessary documentation. Furthermore, I've requested a comprehensive payment history leading up to the debt 's write-off, as well as a copy of the terms and conditions at the time of charge off. 

Your prompt attention to these matters would be greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: MD

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently found inquiries on my credit report that aren't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Affirm used XXXX XXXX to collect payment for their accounts. I made an agreement ( marked agreement 1 ) to make payments, then I received a second agreement ( marked agreement 2 ) to resolve the account completely for a total of {$550.00} and this payment was made XX/XX/year>. Affirm keeps reporting on my credit reports that I owe {$160.00} after agreeing to a settlement. In addition, although I paid the settlement amount to marked account paid in full since XXXX on XXXX they are still reporting that the account is charge off. This should be illegal, after making and agreeing on a settlement that a company keeps reporting a balance. This is false to pretend to offer a settlement to resolve this account please see emails, then turned around and do the opposite.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: CA

Complaint narrative:
I have requested to have XXXX XXXX XXXX XXXX  and XXXX XXXX removed from my reports. They do not belong to me. 


I also have tried without success to remove all unauthorized inquires from my reports. 

XXXX XXXX XXXX XXXX The other names and social security numbers on my reports do not belong to me and wish to have them removed as well

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Neiman, Stone & McCormick , P.C.
State: IA

Complaint narrative:
Today day at XXXXXXXX XXXX my bank account has a hold from a Deb collector who been threatening with jail time and making discriminatory comments against me and my person they didnt warn me about any legal action I am a person who has a XXXX medical condition this is causing me problems XXXX XXXX XXXX XXXX XXXX XXXX because they dont stop bullying with this pelease a need help they be telling me that I didnt make any payment when he lied I make a payment. I just stopped making payment because I went in a car accident last winter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It has come to my attention that there are errors on my credit report. The accounts numbers XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, and XXXX XXXX XXXX ARE NOT MINE I am demanding the proof be provided that these accounts are in fact mine or removed. Simply verifying that names, addresses and/or Social Security numbers match is insufficient. That s what fraud is, using information belonging to someone else to obtain credit. DO NOT tell me I need to file a police report, as there is no requirement to do so under the Fair Credit Reporting Act. Is your obligation under the FDCPA to prove it or remove it. In XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, the courts said, during a dispute and subsequently investigation, with the original creditor, collector, or a credit bureau, that the original creditor or collector must provide account level documentation. 
That means an original contract, or similar proof, not just a printout of the payments that were made. I am also notifying you that pursuant to 15 USC 1681 ( a ) that you should be aware that information furnishers have lost number suits and are unreliable I will wait the appropriate time as prescribed by law at which time I will proceed to protect my good name and avail myself of any and all legal rights, including but not limited to look at auction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CT

Complaint narrative:
On XX/XX/XXXX at XXXX I spoke with a representative at Mohela, my student loan servicer. I was calling because my automatic direct debit had not been extracted from my bank account on XX/XX/XXXX as schefuled. The rep told me that this was because they were in the middle of changing platforms, and consequently no payment would be taken this month. I then pointed out that not taking a payment would cause me to pay extra interest, and he agreed with me. I then asked if others were experiencing the same issue, and he told me yes. This could result in many, many borrowers paying more interest than they should, and Mohela collecting much more interest than they should. I can likely mail a payment in, but by the time it posts there will already be a significant amount of extra interest charged. Please help the potentially millions of borrowers this will likely impact to not get charged extra interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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 have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: OH

Complaint narrative:
I sent a letter requesting that you reinvestigate the disputed Account from my credit report as well as Remove or update this Account from my report during the investigation period. As of this date, you have failed to respond to my request. XXXX XXXX Balance : {$4600.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened my account online and made a deposit of {$12000.00} into my account on XX/XX/year>. On the receipt stated that there would be a hold on my account until XX/XX/year> since it was a new account. A week later I received XXXX separate letters dated XX/XX/XXXX. XXXX stating that my account was closed due to fraud. One letter was from the card fraud division. However, I never received a debit card, and the only transaction that was made on the account was that deposit. One of the letters stated that I could go into a branch with two forms of ID if I felt that the closure was made in error. Every single check that was deposited was made payable to my business, and they were issued from several different insurance companies for services that were rendered to patients. On XX/XX/year> I visited a branch to figure out what was going on and the person helping me could not figure out why my account was closed nor the person that she called. I was informed that one of the checks I deposited in the amount of {$150.00}, had a stop payment put on it. Which is a circumstance beyond my control. I visited another branch on XX/XX/XXXX, the date after my funds were cleared, and the branch representative told me the new accounts department was already closed, and to come back again on Monday XX/XX/year>. I visited that same branch on XX/XX/year>. The branch representative called the new checkin account department and was told that they will not release the funds unless I prove that each check deposited actually belongs to me. Every single Item deposited was made payable to my business. There should be no need to provide any additional information when the checks have already cleared and was written out my business.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I formally request the removal of an inaccurate account from my credit report, as I did not provide consent for its creation or usage, and I have enclosed the necessary documents to support this claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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.

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 if 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 2024-03-19 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: TX

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. 
XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX : Acct # XXXX, XXXX : Acct # XXXX, XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX  : Acct # XXXX, XXXX XXXXXXXX : Acct # XXXX, XXXX XXXXXXXX XXXX Acct # XXXX, DEPTEDXXXXXXXX  Acct # XXXX, DEPTEDXXXX : Acct # XXXX, DEPTEDXXXX : Acct # XXXX, DEPTEDXXXX : Acct # XXXX, DEPTEDXXXX  : Acct # XXXX, XXXX XXXX XXXX : Acct # XXXX, XXXX : Acct # XXXX, XXXX : Acct # XXXX, XXXX XXXX : Acct # 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 : 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 if 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 2024-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have spent hours on the phone with this company trying to get them to send me my Form XXXX so that I can file my taxes, but have failed : - They say they mailed it to my house - twice - but they never did - When I log into my account, no loan appears. They have escalated this to their tech teams, but have not resolved - When I try to lookup my loan online, nothing comes up. This has also been reported to them - When they try to send the form via email, they use a secure messaging system that doesn't work ( it never sends the required confirmation email, no matter how many times you click the link )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I realized a card was stolen from me ... my savings account atm card when I recieved a insufficient funds email... I offered to call the police the bank told me not to that they would handle... well they refused because the person who stole my atm card knew my pin number. I believe it was my granddaughter whom I was residing with because I'm XXXX XXXX XXXX and need help physically... they stole my life savings out of my account over a 5 month period this card and only been used a few times. The bank never contacted me about suspicious activity on a card that not used regular but I personally went. To XXXX and they shut my card for suspicious activity when trying to purchase XXXX worth of merchandise .... now in 5 months almost XXXX dollars was removed from my savings account but Noone thought this was suspicious... all I want is to file charges on the person who took my money and I want my money back thay was fdic insured ... the bank is wells fargo and they r rude won't work with law enforcement and I honestly just feel like I was done wrong in this hole situation. My life has been turned upside down because someone stole from me. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I have recently discovered a collection entry on my credit file from your agency, of which I had not been previously informed. I strongly believe that this debt is inaccurate and under the terms of the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request validation of this debt. Therefore, I am requesting that you provide me with documentation supporting the validity of the debt within a reasonable timeframe. I am writing to vehemently dispute the alleged debt you are attempting to collect, referenced above. This letter serves as formal notice of my refusal to acknowledge any purported debt until you provide unequivocal validation of its existence and legitimacy, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g. I never done business with your company or your client. I reuse to pay this debt. I have been in distress and constantly seeking assisting with this matter. I have attached documents for your record. Despite my numerous letters requesting a thorough investigation and removal of such misleading information, it appears that my concerns have fallen on deaf ears. It is important for you to understand that by law, you are required to take immediate action upon receipt of such requests. Your persistent refusal to comply with this legal mandate forces me to escalate the matter and pursue legal action against your organization. Rest assured, I am fully prepared to take all necessary steps to rectify this situation and uphold my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: CA

Complaint narrative:
While looking over my credit reports, I see some accounts that have marked me as late on my payments. I would like to thank the consumer reporting agencies for playing a very important role and I know they have the ability to report consumer information as accurately as passible. In my case this information is not accurately reported. 

Can you do an investigation and show me with proof of statements where and when were these payments late. If this can not be proven with statements, please updated to on time as they should be because I was never late I have also attached a screenshot of the dates of showing my payments being XXXX days and XXXXdays late. 

The 15 U.S Code 1681 states that consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. In this case this violates my rights because inaccurate information is being reported by a consumer reporting agency. The accounts are listed below XXXX - XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX  account # XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX 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 2024-03-19 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: PA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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