vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-04 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: SC

Complaint narrative:
According to the XXXX Website there is an outstanding balance of {$9900.00} in student loans. Previously 4 accounts consolidated into one. After applying for loan forgiveness. All loans were removed from the servicer, my credit report and federal student loans sites. I have proof of this, happening XX/XX/year>. In XXXX of 2022, loans reappeared on all sites. Resulting in a huge drop of my credit score ( down XXXX points ). The consolidated loan in the amount of {$9900.00} remains on my credit score. It also appears as current balance with XXXX. I have requested explanation of this from the federal student loan department, as well as XXXX with no response. I do not feel this was acceptable. I received email that all loans had been forgiven and have screenshots from federalstudentaid stating You currents do not have any federal loans or grants

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 2024-03-04 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: SC

Complaint narrative:
According to the XXXX Website there is an outstanding balance of {$9900.00} in student loans. Previously 4 accounts consolidated into one. After applying for loan forgiveness. All loans were removed from the servicer, my credit report and federal student loans sites. I have proof of this, happening XX/XX/2022. In XXXX of 2022, loans reappeared on all sites. Resulting in a huge drop of my credit score ( down XXXX points ). The consolidated loan in the amount of {$9900.00} remains on my credit score. It also appears as current balance with XXXX. I have requested explanation of this from the federal student loan department, as well as XXXX with no response. I do not feel this was acceptable. I received email that all loans had been forgiven and have screenshots from federalstudentaid stating You currents do not have any federal loans or grants

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 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: SC

Complaint narrative:
According to the XXXX Website there is an outstanding balance of {$9900.00} in student loans. Previously 4 accounts consolidated into one. After applying for loan forgiveness. All loans were removed from the servicer, my credit report and federal student loans sites. I have proof of this, happening XX/XX/2022. In XXXX of XXXX, loans reappeared on all sites. Resulting in a huge drop of my credit score ( down XXXX points ). The consolidated loan in the amount of {$9900.00} remains on my XXXX XXXX. It also appears as current balance with XXXX. I have requested explanation of this from the federal student loan department, as well as XXXX with no response. I do not feel this was acceptable. I received email that all loans had been forgiven and have screenshots from federalstudentaid stating You currents do not have any federal loans or grants

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 2024-03-04 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: MI

Complaint narrative:
Dear trans union I looked over my credit report and I see accounts that dont belong to me and I believe them to fraudulent XXXX XXXX account number XXXX XXXX XXXX XXXX  XXXX I also notice these names our not mine XXXX XXXX XXXX and XXXX XXXX My name is XXXX XXXX Also these addresses are not mine either XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX I have one address and these are not it. Also these numbers are not mine either XXXX, XXXX these are not my numbers I have one number

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 2024-03-04 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Wilber and Associates, P.C.
State: TX

Complaint narrative:
Wilber and Associates called and stated they were legally representing state farm in an attempt to collect owed payment for an insurance claim. Stated that I was not insured which wasn't the case I was fully covered with XXXX at the time and the claim is still being processed. Stated that I owed XXXX and that they would have my license suspended. They also tried to contact my wife multiple times who was in no way involved. This call was received at XXXX AM on XX/XX/year>. I immediately contacted my previous insurance company as well as providing proof that I was insured at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Formal Request for Rectification of Credit Report Errors Dear Experian, I am writing to address discrepancies present in my credit report, which have recently resulted in denial of credit. It has come to my attention that inaccurate information has been included in the report, necessitating immediate rectification. Specifically, I request the removal of the following accounts : Account : XXXX  Account Number : XXXX Violation : Reported without valid evidence under 15 U.S.C. 1681i ( 7 ) Method of verification. 

Account : XXXX XXXX XXXX XXXX  Account Number : XXXX Violation : Reported without valid evidence under 15 U.S.C. 1681i ( 7 ) Method of verification. 

I want to emphasize that I did not authorize the inclusion of these transactions in my consumer report. Therefore, I formally request the blocking and expungement of these accounts from my record. This request is made in full compliance with relevant laws and is not based on any misrepresentation of facts. 

Your organization 's actions may be in violation of 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits the inclusion of information solely based on transactions or experiences between the consumer and the reporting entity in consumer reports. 

I urge you to promptly update my utilization to 5 % or below within XXXX calendar days or remove all utilization from the mentioned accounts. Additionally, I demand access to all documents supporting the reporting of the aforementioned accounts, as per the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). 

Failure to comply with these requests within 30 days will result in legal action, including seeking {$1000.00} per violation, for defamation of character, civil liability, and violations of the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX Bankruptcy Case Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX. XXXX XXXX Account Number : XXXX. XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : 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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is 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 non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL

Complaint narrative:
I changed my Home Owners insurance company effective XX/XX/2024, I called Carrington Mortgage Services concerning this change and provided via email the new Insurance XXXX and release from my former Insurance provider. I spoke with a Customer Service rep on XX/XX/2024 and was assured a new escrow analysis would be provided and a new monthly payment amount would be created. 
I called on XX/XX/2024 after receiving a Delinquency Notice dated XX/XX/2024 from Carrington Mortgage Services and spoke with ( XXXX ) customer service ladies. A total of XXXX minutes on the line and nothing was resolved, I have made a payment every month including my XXXX payment and they will not do an Escrow Analysis nor send me a new payment amount. They are sitting on over {$2000.00} of my money which they will not apply to my home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: FL

Complaint narrative:
I am writing to your office in relation to my ongoing concern regarding inaccuracies in my credit history, which, despite my previous communication, remain unaddressed. 

As previously stated, the disputed accounts were : XXXX - Account # : XXXX, XXXX - Account XXXX : XXXX, and XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX, continue to be incorrectly reported on your records. 

I have previously informed you that these discrepancies have been rectified and deleted on my XXXX credit report. The inconsistency between XXXX and Experian report with that of XXXX prompts questions about the accuracy of their verification processes. It is disheartening to see discrepancies tolerated, as it appears to be a violation of my consumer rights under the 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

As per my comprehension, this law entails that upon notification of a dispute, the consumer reporting agency should conduct a reasonable reinvestigation within a 30-day period to determine the accuracy of the disputed information and remove them from my credit report if they are found to be inaccurate. Despite previous attempts, the inaccuracies still persist on my credit history, causing significant mental and emotional distress and affecting my reputation and my credit ratings. And still, you continue reporting the same inaccurate accounts on my file.

I am asking them to take immediate action to rectify this situation and ensure that my credit report accurately reflects my true credit history.

I want to bring to their attention the potential legal implications outlined in the Civil liability for negligent noncompliance. Negligence in complying with the requirements may result in liability for actual damages and legal costs. 

I urge these credit bureaus to promptly correct and delete these inaccuracies to align with XXXX 's records. I believe this is crucial not only for the accuracy of my credit history but also to uphold the standards set by consumer protection laws. 

Your immediate attention to this matter is appreciated, and I anticipate a swift resolution to alleviate the distress caused by these inaccuracies.

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute certain items on my credit report that I recently investigated. Upon review, I discovered unverifiable, invalidated, inaccurate, and questionable items that were reported by your agency. 

Under the Fair Credit Reporting Act ( FCRA ), it is imperative that all information on my credit report is accurate and verified. However, the items in question do not meet this standard. Specifically, they violate 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) as they are not reported accurately.

I am attaching copies of all letters previously sent for your reference. I kindly request that you conduct a thorough investigation into these discrepancies and promptly correct any inaccuracies found.

Thank you for your attention to this matter. I look forward to receiving a response and resolution in a timely manner.

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 2024-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A charge was made on my account on XX/XX/XXXX in the amount of XXXX by the " XXXX XXXX '' which was unauthorized and not made by me. I contacted Chase to report the unauthorized charge immediately. I was informed I would not be responsible for charges not made by me and they would issue a credit while they investigated my dispute. On XX/XX/XXXX I received a letter stating they had completed their investigation and determined that I " received a benefit from this transaction ''. I immediately contacted Chase Fraud Department and spoke with a representative who indicated the account number was manually keyed but an ip address matched what they had on file for online banking. I requested this information be sent to me and Chase declined stating it was confidential information. I have attached the letter received from Chase as well as a record of my ip address which I obtained from the website ipaddress.my which gives detailed information. As Chase has not provided me with any of the relevant information I requested which shows my identifying information, I am unable to further verify any of what they are saying. I often do work from remote locations and use public wi-fi hotspots and have accessed Chase online from different locations. However, in no uncertain terms did I make the purchase in question and find it unfathomable that I should be required to pay for something I didn't purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Sklar Law LLC
State: PA

Complaint narrative:
XXXXXXXX XXXX XXXX filed a claim to the court of common pleas of XXXX XXXX, for unpaid tuition from fall XXXX - spring XXXX in the amount of {$19000.00}. I was not able to secure finical aid, which I was able to do in the previous academic year  XXXX, and was withdrawn from the university and not allowed to attend. At that time emails were sent to my instructors to not allow me to attend classes, not able to eat in the cafeteria, ect. The university claims is was re-instated as a XXXX which I dispute did not happen. The university filed the claim with the court XX/XX/XXXX, but I was never notified about the claim prior to a judgement being passed. I was never given the opportunity to defend myself in court. The university then had a collections agency garnish my entire life savings 14 years later on XX/XX/XXXX. Due to the time that has past, 14 years, the debt collected interest and Ive been garnished/billed the sum of {$57000.00}. I am now in a position where I can not pay bills, purchase food, gas or pay future debts like mortgage, XXXX  loans ect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX Case Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2024-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I opened a care credit account, backed by Synchrony Bank, in XXXX when my cat had to have emergency vet treatment. My opening credit limit was {$800.00}. I have worked hard to pay down this account and paid it down to {$460.00} hoping that having this account not be at my max credit limit would help my credit report as I now pay down the other credit cards that were used. 
In XXXX of XXXX at my lowest amount used if {$460.00} out of {$800.00} Care credit/Synchroney bank lowered my credit limit to {$550.00}. Putting me right back in the 90 % of credit used category. 
This is a predatory practice that keeps the consumer in a constant state of negative reporting. As you pay down the account the limit shouldnt also go down with your balance. How are consumers supposed to ever improve their credit and buying power?

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: LEXISNEXIS
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with explanation