vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-12 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: NC

Complaint narrative:
I AM A LIVING PERSON PLEASE DONT CLOSE OUT MY COMPAINT WITHOUT FULLY INVESTIGATING. I NEED PROOF AND DETAIL INFOMATION OF INVESTIGATION. 
15 USC 1681 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2024-02-12 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: NC

Complaint narrative:
I AM A LIVING PERSON PLEASE DONT CLOSE OUT MY COMPAINT WITHOUT FULLY INVESTIGATING. I NEED PROOF AND DETAIL INFOMATION OF INVESTIGATION. 
15 USC 1681 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 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: MO

Complaint narrative:
On ( XX/XX/2024 ), I sent an Identity theft letter to ( XXXX, and Experian ), and despite more than 30 days passing, I have not received a response nor has ( XXXX, and Experian ) complied with my request, a clear violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached are the letters that were mailed on ( XX/XX/2024 ) and an updated FTC identity theft report. According to FCRA, debt collectors must respond to disputes and requests from consumers within 30 days, yet ( XXXX, and Experian ) have not made a single call or sent a letter addressing the disputes I've mailed. This blatant disregard for FCRA Section 611 ( A ) ( 1 ) could result in fines of up to {$1000.00} per violation. Failure to provide proof or verification within the required timeframe necessitates the removal of this account from the consumer 's report, as the lack of response indicates an inability to validate or verify the account, a violation of FDCPA Section 809 ( b ). Attached are the letters I sent along with my updated identity theft FTC 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 2024-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA

Complaint narrative:
We have been trying to work at length with work with the company. We were heavily effected by XXXX  XXXX and have been actively working to get all of our finances put together after the absolute devastation of it. My wife also has a rare hereditary bXXXX XXXXXXXX that requires routine XXXX XXXX XXXX XXXX during the heaviest part of the pandemic shut down we were unable to get some of these done and with alot of XXXX  XXXX  in our area leaving or quitting because of not wanting to get the XXXX. We have had to start all over with some and the rest are over XXXX hours away so it poses an extra bit of stress with work and being able to make/take phone calls to handle things. We have had some forbearance options in the past. I was not paid for a year due to the company shutting offices down because of covid. We have been in constant contact with the company and were told that we could get the account modified. During some of this process as we continue to send in all requested information and contact those we were told to do so. In the midst of these the note holder has changed several times between XXXX XXXX XXXX and XXXXXXXX XXXX in UT, CA, etc. We never know who we are working with. We have been told over and over we qualify- I served in the XXXX XXXX XXXXXXXX and they have said that is part of why we qualify. We work with someone at length and then try to follow up and are told that they no longer work there and that there is a " high turnover '' - how this is something that we should be punished for when we are acting in good faith providing all that is asked and even made recent payments. One of which was sent via wire and were returned minus the total amount that was sent. They have two payments that have somewhere in their suspense account. Have been battling for over a year - We just want to be current and pay our monthly amount and have them follow through. They have been very inconsistent. They really need to honor it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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/2018 I received notification of fraud activity on the credit card i had with XXXX XXXX XXXX The credit card was promptly shut down by bank and investigation was opened into fraud activities detected. 
Ever since then I received no correspondence from the Credit card. It is until I ran my credit report that I noticed that its being reported as a charge off. 
I've made an attempt to clear this from my credit credit report. I have filed dispute with credit agencies about inaccuracy of report and classification of activity while i have received no response from the credit card itself to remedy this huge problem its inaccurate reporting caused.

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 2024-02-12 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: NJ

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

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 2024-02-12 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: CO

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 non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I signed up for an Apple Goldman Sachs credit card in XXXX, used it, paid in full on time and decided to close the card in XX/XX/XXXX as the benefits weren't good. 

After I closed the card and paid in full I received a letter stating the card was closed and no longer could be used ( letter attached ). 

A few months later, Apple reps called me stating I had new charges that needed to be paid from XXXX XXXX XXXXXXXX. I told them the card was closed to to please reject the charges. Instead of doing that, they kept accruing charges and reported the non-payment of these to Credit Bureau 's destroying my previously great credit. 

I've spoken to dozens of Apple reps and Supervisors and they all agree this makes no sense however they are unable to help as their systems are hopelessly a mess. 

I'm loosing my mind and don't know how to get this resoled. This credit score destruction is ruining my life at the moment as it's preventing my business from taking on necessary loans to cover payroll.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-12 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: 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.

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 response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened a new account at Truist Bank with an opening deposit of {$25.00} on XX/XX/year>. I then deposited a {$9000.00} check from XXXX XXXX XXXX on XX/XX/year>. I was told that the check would clear on XX/XX/year>, which is fine. I waited and check cleared. Now the bank froze my account and debit card so that I can not even pay bills. I was told my account is being investigated and there is no update. I only have XXXX transactions on my account and they won't give me a date or any information on when I will be able to access my funds. I took a loan from my XXXX account to cover unexpected expenses and they are holding it for no reason.

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 2024-02-12 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: IL

Complaint narrative:
From what I understand, FCRA 605B says wrong accounts should be taken off credit reports. Please check the accounts in the documents. They're reported wrong on my credit report. I'm upset and feeling sick about it. Can you help?

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 2024-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
Today XX/XX/2024 I received a call from Medicredit Inc. While in conversation with the Representative, I explained to her that I had already disputed this debt with the original debtor, in writing three Months in a row, XXXX, XXXX and XXXX, with a written response requested. She ignored the Information I provided and when I asked for a written response from them she flat our refused to send it. I again explained that the Original debt had been disputed and in writing and her response was that was with them the debt is now with Medicredit and I could dispute it with them. Repeatedly refusing to acknowledge that I had already disputed the debt with no response, essentially nullifying the debt. Her response I have noted everything you said, yet refused to provide the written response I requested. She stated that the debt wa swith us and as I requested to no longer receive phone calls, that because the debt was now with them they would continue to collect the Debt, which has already been made invalid by the Original debtor for failure to respond to my repeated written dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: WI

Complaint narrative:
I submitted a certified, notarized dispute to Transunion credit bureau on XX/XX/2024 asking that they verify all information is accurate and correct or remove the collector from my credit profile as they are in violation of 15 USC 1681 et seq. governs access to consumer credit report records and promotes accuracy, fainess, and privacy of personal informaton assembled by Credit Reporting Agencies. & 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, im partiality, and a respect for the consumers right to privacy. 
The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to any who does not have a purpose specified in the Act. 


I just received notification from Transunion dated XX/XX/2024 on XX/XX/2024 denying my request to dispute the inaccuracies on my 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 non-monetary relief
Consumer complaint received 2024-02-12 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: KS

Complaint narrative:
Under FCRA, the same debt is not allowed to be collected from XXXX companies. XXXX XXXX XXXX XXXX ( XXXX ) is in violation of FCRA by reporting a balance due and collection status although they sold the debt in XX/XX/year>. 
Due to their violation of FCRA, I request that you immediately and permanently remove this account from 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 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
Under FCRA, the same debt is not allowed to be collected from two companies. XXXX XXXX XXXX XXXX ( XXXX ) is in violation of FCRA by reporting a balance due and collection status although they sold the debt in XX/XX/2024. 
Due to their violation of FCRA, I request that you immediately and permanently remove this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
In XX/XX/2023, I purchased 4 items from XXXX XXXX and financed by Affirm, of which 2 were returned. XXXX XXXX has not been cooperative with regard to my request for a refund of the returned items, and Affirm the finance company also refuses to resolve this. I have attempted numerous times to resolve this with Affirm, which only enticed me to open a case with them and file a dispute, however, only to learn that a week or 2 later that the very case I reported or charges I have disputed is closed without further clarification. 
I have asked that my call be transferred to a US branch but I am told that they can not provide a number based in the US. I need help obtaining my refund of {$940.00}. Affirm, that the finance company is charging me interest at a rate of 29.99 % for a loan to a product I have returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: TX

Complaint narrative:
I need a history of financial transactions for my student loans going back to XXXX  for my records. Mohela is my current loan service provider. I was able to get from them the history of financial transactions from the time they serviced my loans BUT not the data from the time before they serviced my loans. 

Per their website " To request a history of financial transactions that occurred prior to the time your loan ( s ) were serviced by MOHELA, call us at XXXX '' I called XX/XX/XXXX and the request was made to a representative. She said it would come in the mail and to give them time because of the backlog at the time. I called back in XXXX when I still didn't receive it and asked how long should I expect and when should I call back if I don't have the file. And there was not a definitive answer. But that it wasn't unusual and to give it another few weeks. 

I called again on XX/XX/XXXX to follow up. I was escalated to a supervisor- she said it was definitely submitted in XXXX and they have no way of knowing if I received it or not. And maybe it was lost in the mail. So she resubmitted another request and said it should be a couple weeks at the most. She confirmed my accurate address in the system. 

It's now been a 'couple weeks ' as of XX/XX/XXXX. And 5 months after the original request. I have tried contacting some of the original loan servicers and the government through the student aid webpage contact numbers. They are all indicating this is the only avenue to get the information for the detailed history of my loans from the original providers. I have heard from others that they were able to get the information quickly when reaching out to you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: 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.

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 response to consumer: Closed with explanation