vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-09 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Against US Department of Education for Unauthorized Reporting of Late Payments on Student Loans To Whom It May Concern, This complaint is filed regarding the unlawful reporting practices by the US Department of Education ( US DEPT ED ) on my TransUnion credit report. My student loan account, which is currently in a documented deferment status, has been improperly reported as having late payments from XX/XX/XXXX to XX/XX/XXXX. 
Nature of the Complaint Inaccurate Reporting and Privacy Violation Under 15 USC 1681b, I retain the right to privacy regarding my personal financial information. Reporting inaccurate late payments during a deferment period violates this right.

Violation of Consumer Protection Laws Reporting these accounts as late without permissible purpose breaches 15 USC 1681s-2, which mandates accuracy in furnishing credit data to third parties. 
Aggravated Identity Theft and Defamation The unauthorized reporting of my student loan account has caused significant emotional distress and damage to my reputation. Under 18 USC 1028A, this act constitutes aggravated identity theft through the unauthorized use of my information.

Willful Noncompliance Under 15 USC 1681n, the US Department of Education has shown willful noncompliance by knowingly reporting my account as late during deferment. 
Account Information Creditor Name : XXXX Account Number : XXXX High Balance : {$14000.00} Reported Late Payments : XX/XX/XXXX to XX/XX/XXXX Balance Owed : {$0.00} Account Status : Transferred, Closed Account Type : Educational Loan Evidence of Errors Documented Deferment Status My student loan was in deferment during the period of XX/XX/XXXX to XX/XX/XXXX. Reporting late payments during this time is a direct violation of FCRA guidelines. 
Documentation Attached I have included a copy of my deferment documentation, credit report, government-issued ID, Social Security card , and proof of address to validate my claims.

Requested Resolution I request that TransUnion immediately remove the inaccurate late payments from my credit report for the period of XX/XX/XXXX to XX/XX/XXXX. I expect written confirmation of the correction within XXXX calendar days from receipt of this complaint. Failure to resolve this matter will result in further action to protect my rights under the FCRA. 
Attachments : Deferment documentation Copy of my credit report Copy of my government-issued ID Copy of my Social Security card Proof of address Thank you for your immediate attention to 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 non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have made a settlement with the credit cards a few years ago and still appear on my record that is affecting my XXXX XXXX. I would like to remove these settlement from my record. It has been about XXXX years since I did it.

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 2024-12-09 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: OR

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Also Known As : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2024-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Our mortgage was sold to Newrez by XXXX XXXX, Newrez started servicing the loan in late XXXX XXXX XXXX My wife and I send separate checks each month for the loan payment, and my wife 's check was processed by Newrez on XXXX ( {$800.00} ). My check for the other portion of the payment was processed on XXXX ( {$1300.00} ). The XXXX checks together covered the monthly payment at the time of {$2100.00}. My wife 's check for {$800.00} was inexplicably applied directly to principal and they showed us as late for XXXX. Her check for XXXX was handled the same, and they showed us late for XXXX. Starting in early XXXX I began calling Newrez customer service to get the issue straightened, once we realized there was an issue. Since we always make our loan payments, and Newrez kept cashing the checks, we were completely confused. The first customer service agent I talked to in XXXX saw the issue with the payments being applied to principal and she said she would get it taken care of. That never happened, and I could no longer get a check to them for some reason through my bank as I had usually done with every other mortgage lender for over a decade prior, so I had to start calling them each month to make my payment. Each time I call I'm told we are more than one payment behind, which simply isn't true based on our bank records and Newrez 's own records, they just keep applying part of our payment to principal each month. My wife and I stay current on our bills and are making all attempts to correct this by working with Newrez but we feel we've run out of options. Newrez is still saying we are behind on payments even though they've happily taken payment in full month after month. Outside of contacting your office and/or a personal lawyer I'm not sure how to get this resolved without refinancing or something, but that doesn't really make financial sense right now. We have taxes and insurance included in our monthly payment, so their accounting errors are affecting our escrow as well. The late payment claims for XXXX XXXX and XXXX XXXX have also shown up on our credit reports. All of this is very frustrating and unnecessary. This month both my wife and I sent checks together in the same envelope, hoping they will at least apply both checks toward our payment. Can your office please provide us with any sort of help with this matter? We are eager to resolve this and move on. Thank you so much for any assistance you can provide. 

*As of XX/XX/XXXX they processed my part of the XXXX payment but told me over the phone today that my wife 's check was not received ( same envelope ). According to bank records her check was cashed by Newrez on XXXX but was never applied to our account though mine was.

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 2024-12-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
On XX/XX/XXXX, I received notification that XXXX XXXX XXXX XXXX, also known as COLUMBIA DEBT RECOVERY LLC ( DBA GENESIS ), with an address at XXXX XXXX XXXX, XXXX, WA XXXX, submitted a lease as validation of a debt. This lease, associated with XXXX XXXX XXXX, was electronically signed, not hand-signed. I believe this submission constitutes a fraudulent attempt to collect money that is not owed. 

I provided evidence, including an electronic acknowledgment dated XX/XX/XXXX, confirming my lease was set to expire on XX/XX/XXXX. I chose not to renew the lease and vacated the property on the expiration date. Along with this acknowledgment, I included a copy of the lease agreement for my new apartment, further verifying my move-out date, as well as my move-out report from XXXXXXXX XXXX XXXXXXXX. 

Despite these efforts, I was not informed of any outstanding debt until it appeared on my credit report. It has now been 90 days, and I am still disputing these charges. I have provided clear and irrefutable evidence that the claims made by XXXX XXXX XXXX are fraudulent and that their supplied information is inaccurate and misleading. 
I submitted to XXXX XXXX XXXX XXXX emails from the new property XXXX at XXXX XXXX XXXX confirming my move-out at the end of my lease term. These emails included communication regarding the return of my keys. Additionally, I provided my move-out statement, which shows that my security deposit was retained due to patio furniture left behind by the movers. 

At no point did I break my lease. The electronic correspondence I have attached clearly demonstrates that my lease ended in XXXX, not XXXX as they claim. If my lease had extended to XXXX, I would have vacated at that time, as required. 

This evidence further underscores that the claim of a XXXX lease termination is false and that I fulfilled my lease obligations entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: WI

Complaint narrative:
My first contact with DIVERSIFIED ADJUSTMENT SERVICES was bill dated XXXX XXXX XXXX  ( but received on XX/XX/XXXX ) stating I owed {$230.00} to XXXX XXXX XXXX XXXX. That is suspiciously identical to the final payment I had made to the hospital. I contacted the hospital and was told I have no debt with them. 
Phone calls to the number listed go to voice mail. 
I sent a letter to XXXX on XX/XX/XXXX, requesting more info, or a letter stating that there is no debt. 
I have received no further communication from the collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: EQUIFAX, INC.
State: RI

Complaint narrative:
I XXXX XXXX, have contacted the companies to confirm the information on the credit report and confirmed that the information is correct. by doing a deep look through my credit report I noticed that some of the information was not accurate. 

XXXXXXXX XXXX XXXXXXXX XXXX Account number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX of {$4400.00} In accordance with the Fair credit reporting act acct # XXXX has violated my rights. 

15 U.S.C 1681 section 604 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it's also stating a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: RI

Complaint narrative:
I XXXX XXXX, have contacted the companies to confirm the information on the credit report and confirmed that the information is correct. by doing a deep look through my credit report I noticed that some of the information was not accurate. 

XXXX XXXX XXXXXXXX XXXX Account number # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX of {$4400.00} In accordance with the Fair credit reporting act acct # XXXX has violated my rights. 

15 U.S.C 1681 section 604 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it's also stating a consumer reporting agency can not furnish an account without my written instructions.

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 2024-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XX/XX/scrub>XXXX XXXX  I notice I start receiving calls from this company called LVNV funding LLC, about a dept that I owed from XXXX XXXX XXXX XXXXXXXX for {$1200.00}, this company has harassed me the whole year about a dept that has been charged-off and closed but is still reporting on my credit as an open account! I have gotten multiple calls, emails, and text from this company which is harassment!!! I have contacted the company and even sent a cease and desist letter to each credit bureau about the company, I ask that all communications stop and this dept collection be removed from my credit file under the United States Code 15 USC 1692 ( C )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: NY

Complaint narrative:
I am writing to inform you that I am a victim of a data breach. As a result, unauthorized inquiries have been made on my credit file without my knowledge or consent. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that all the fraudulent inquiries listed below be blocked and deleted from my credit report immediately : Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

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 2024-12-09 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: NY

Complaint narrative:
I am writing to inform you that I am a victim of a data breach. As a result, unauthorized inquiries have been made on my credit file without my knowledge or consent. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that all the fraudulent inquiries listed below be blocked and deleted from my credit report immediately : Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

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 2024-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I recently had a credit balance remaining on my credit card account due to paying an even amount. I would have used this with a future purchase, however Citi has taken it and refused to return it saying I forfeited it to them. They will not mail a check for it nor credit my account. While the amount is small, across their entire customer base they are likely taking a lot of peoples money and refusing to return it. This is a clear Unfair and Deceptive Act and Practice. Citi should be made to return my money as well as others.

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 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to inform you that I am a victim of a data breach and, as such, I am requesting the immediate deletion and blocking of certain accounts and inquiries that have been fraudulently reported on my credit file. These accounts and inquiries are the result of unauthorized activity and do not belong to me. I am requesting that they be deleted pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Below are the specific accounts and inquiries I would like to have removed from my credit report : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
This debt is not mine, and company has failed to send proof that debt belongs to me. This is hurting my XXXX XXXX and should be removed 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 explanation