vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-10 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: EdFinancial Services
State: GA

Complaint narrative:
I was a victim of identity theft and this company is still reporting this fraudulent account ( s ) on my credit report. This needs to be deleted from my credit report IMMEDIATELY as this is a violation of the FCRA & my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with 15USC 1681 ( a ) ( 4 ) my rights have been violated. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

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 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FISERV FINXACT CORE
State: TX

Complaint narrative:
TRS Recovery Services sent me a letter stating I owed TeleCheck {$100.00}, and {$100.00} for Checks to a XXXX XXXX and a XXXX, Both of these checks were stolen and my signature was forged. TRS is trying to collect on Fraudulent forged checks. I have already reported both of these checks to my banks. XXXX, and XXXXXXXX XXXX. These were checks that were stolen, and written and converted to ACH. This is ACH Fraud. I did not sign these checks and my signature would have been forged. I do not do business with either of these merchants, I have never authorized these businesses to use my checks or to withdrawal funds from my account 's. Both of these transactions are fraudulent, My wallet and checkbook was stolen. These transactions were never authorized, and I did not sign for these checks. I reported these checks stolen promptly which is why my bank disputed these transactions as forgrey. I have attached an Identity Theft Affidavit which lists these transactions. TRS XXXX # XXXX and XXXX Neither of these checks were signed for nor authorized. I am a victim of identity theft and this is my statement of dispute. TRS Should stop collecting these fraudulent items immediately. I do not owe these merchant 's for either of these checks because they were stolen and forged. I promptly reported this to both banks. I do not authorize any transactions to either of these merchant 's and I will not pay a debt I did not obtain.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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:
I am making this complaint because TransUnion sent me an investigation results letter that clearly did not follow my instructions. On XX/XX/, and XXXX/XXXX/XXXX. I XXXX XXXX requested an investigation of an error on my consumer report regarding XXXX XXXX XXXXXXXX. 
I was not disputing this account whether it was mine or not. These XXXX  XXXX XXXX accounts ARE MINE, but are reporting inaccurate. These are the accounts with XXXX  XXXX XXXX # XXXX, and XXXX. The problem with these accounts is that they are inaccurate. XXXX  XXXX XXXX is reporting that these accounts are charged off. I have sent TransUnion documents from the IRS showing them that the IRS definition of a charge off is INCOME. Income doesn't get furnished into anyone 's credit report according to a publication with XXXX. I have contacted XXXX  XXXX XXXX with this issue and their response was the same. So I as a consumer utilize the right to dispute inaccurate information with the CRAs. XXXX  XXXX XXXX must either delete these accounts or report them as paid for less. I am also going to need XXXX  XXXX XXXX to send me my 1099 C for taxes purposes. This is the DATA Furnishers grave dutty. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 2024-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: DC

Complaint narrative:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report via ( FCRA ) was dispute around the time of XX/XX/2023 But Still Showing on my credit report * 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 USC 1692 / 15 USC 1681b / 15 USC 1681i

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
Newrez purchased our home loan from XXXX XXXX XXXX a few months ago. Since then, Newrez has been drafting mortgage payments, as well as sending us monthly statements. I'm trying to manage my loan online w/ Newrez, as well as obtain my 2023 Form 1098 for my tax filing. Newrez website does not recognize my loan number, even though its printed on my statement. All phone numbers on all communications from Newrez are unreachable from my cell. I've called dozens of times and the message always says the call can not be completed as dialed. I've emailed Newrez multiple times asking for help, and I've never received a response. Their main number is XXXX. Their email address is XXXX. I want to make sure my loan is being serviced by a legitimate company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: NY

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

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 2024-01-10 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: NJ

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), credit reports must accurately reflect a consumer 's credit history. Any discrepancies, such as incorrect late payments, closed accounts, or unauthorized inquiries, violate this federal law, granting you the right to dispute and rectify these inaccuracies. 

Social - 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 2024-01-10 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: NJ

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), credit reports must accurately reflect a consumer 's credit history. Any discrepancies, such as incorrect late payments, closed accounts, or unauthorized inquiries, violate this federal law, granting you the right to dispute and rectify these inaccuracies. 

Social - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 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: TX

Complaint narrative:
I hope this message finds you well. I am writing to express my concern and submit a complaint to EXPERIAN regarding the improper use of my credit report and the reporting of inaccurate information on my file. I previously sent a letter to your office requesting an investigation into certain unverifiable accounts. Despite your assurance of conducting a proper investigation, upon reviewing my credit report, I discovered that inaccurate information persists. The discrepancies include but are not limited to, the date opened, date of last activity, date reported, account status, and payment history. It is disheartening to note that such inaccuracies continue to be reflected in my credit report, despite the initial request for investigation. I believe this situation infringes upon my rights as outlined in 15 U.S.C 1681 section 602 A, which emphasizes my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. I kindly request a thorough review of my case and the prompt correction of the inaccuracies in my credit report. Your cooperation in resolving this matter is highly appreciated. I trust that, as a reputable credit reporting agency, EXPERIAN will take the necessary steps to rectify this situation and ensure the accuracy of the information in my credit file. I have attached an FTC report with the report number XXXX to support this complaint.

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 2024-01-10 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:
Unknown inquiries on my credit report. I did not I did not authorize these transactions. Please remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: Early Warning Services, LLC
State: LA

Complaint narrative:
On XXXXXXXX XXXX  I requested a copy of my Early Warning services report. It has come to my attention that XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX  or unlawfully selling and disclosing my Nonpublic Personal Information. My social security number account, account number, transaction history, and private banking account history are all being sold and disclosed with non affiliated third parties without my consent. According to 15 u.s code 6801 each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers Nonpublic Personal Information. It also states in 15 u.s code 6802 part ( B ) A financial institution may not disclose Nonpublic Personal Information to a nonaffiliated third party unless ( a ) such financial institution clearly and conspicuously disclose to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under 15 u.s code 6804 that such information may be disclosed to such third party : ( b ) the consumer is given the opportunity, before the time that such information is initially disclosed to direct that such information not be disclosed to such third party; and ( c ) the consumer is given an expectation of how the consumer can exercise that nondisclosure option. 15 u.s code 6803 Disclosure of institution privacy policy. A financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or electronic form. According to 15 u.s code 6805 it is the duty of the consumer financial protection bureau to enforce the above stated codes.It is a violation of the Privacy Act Of 1974 which is punishable up to XXXX per each violation. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absents the written consent of individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: AZ

Complaint narrative:
My Borrower Defense discharge was finalized, and my refund has been sitting at a negative balance with Mohela for several months. I have requested a refund, and their customer service agents claim not to know why my account has not been processed. I submitted correspondence online on XXXX XXXXXX/XX/XXXX and XX/XX/XXXX, each time asking for an update or resolution. I called to follow up several times, and have not received any update. My case number is XXXX # XXXX. I was told to allow 14 business days for a response back on XX/XX/XXXX. I finally received a response on XX/XX/XXXX XXXX and they responded that they saw I called in, so they would ASSUME my issue is resolved. 

It is not resolved, and my balance is XXXX for several months now. This is my borrower defense refund, that Mohela refuses to complete processing for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I applied to Amex for a XXXX  card reference # XXXX. I was denied extension of my own credit by Amex. I contacted the underwriter team via certified mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. In the mailings I informed the team that I can not be denied an extension of my own credit because the application that I submitted for services gave them a security interest which is an obligation of the United States. This makes it cash and I have not received valuable consideration for the security and that the security can not be minuscule consideration effectively masking a gift as a contract. I also explained that I wish to have my card issued to my name in an open-ended capacity. Amex responded to my mailings via the mail on XX/XX/XXXX stating they would be happy to complete my request if i would give them a XXXX ID number which I can only have if I was already an Amex card holder. I then called Amex multiple times to be told the same thing regarding my denial of credit. The last call was XX/XX/XXXX when Account Rep XXXX stated there was nothing she could do about the issue. I informed her that Amex was violating the Securities Exchange Act along with the Indentured Trustee Act and stated that I would pursue this matter legally if my demands where not meant.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: IL

Complaint narrative:
I am writing to file a formal complaint against Experian, a consumer reporting agency, for inaccurately reporting damaging information related to my XXXX XXXX XXXX XXXX account. It has come to my attention that Experian is reporting alleged late payments on the account ending in XXXX with a 120-day late payment, without any prior 30, 60, or 90-day late payment history. 

Specifically, the inaccurate reporting states : " This account is listed with a 120-day late payment, without any prior 30, 60, 90-day late payment history. '' Reporting the account as 120 days late without any prior indication of 30, 60, or 90-day late payments is not only factually incorrect but also severely damaging to my creditworthiness and financial reputation. 

The Fair Credit Reporting Act ( FCRA ) explicitly mandates that consumer reporting agencies, such as Experian, must ensure the maximum possible accuracy of the information they report. The inaccuracies in reporting on my XXXX XXXX XXXX XXXX account not only violate the FCRA but also have significant adverse effects on my credit score and financial standing.

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 2024-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Disputed debt as collection agency ( XXXX XXXX XXXX XXXX ) is unable to find my account when given my name, date of birth, Original creditor, and ssn. The listed debt from XXXX XXXX XXXX XXXX  is {$150.00} and the original creditor is XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
I returned my modem to XXXX on XX/XX/XXXX and they could not cancel the service in the store so I cancelled it on the phone the next day XX/XX/XXXX. I informed them that I had already returned the modem to the store the day before. On XX/XX/XXXX I received a bill from XXXX for {$400.00} stating I didnt return the modem. I immediately called XXXX. The rep said I needed to go to the store where I returned the modem. The girl there said theyve had this happen before so she called XXXX on the phone and I was there at least an hour and a half with nothing resolved. They were claiming they couldnt locate the modem even though I have the receipt that it was returned and the account was cancelled. On XX/XX/XXXX I got another bill. Then XX/XX/XXXX I got another bill. Then on XX/XX/XXXX they sent a letter that I was now in collections. I also received another bill from XXXX on XX/XX/2024. I called the collection company on XX/XX/XXXX when I received the letter in the mail. The agent XXXX XXXX transferred me to XXXX. The rep said he couldnt help because the account has been closed and my password no longer worked so I was again told to go to a XXXX store. I went to another XXXX store and the rep called XXXX on the phone and I was there at least an hour and 1|2. They still wouldnt remove the balance again. Stating they didnt get the modem when I again showed them I had the letter stating I returned it. Now its affecting my credit and taking time out of my day trying to prove I returned this modem. Im not paying {$400.00} for something I no longer have. I dont know what else to do.

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 2024-01-10 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: Loqbox US Inc
State: OK

Complaint narrative:
On XX/XX/XXXX someone open a account in my name I reported it as fraud loqbox they did not remove this account I dispute it before they close the account but never remove it from my credit bureaus. 

I have a old account from XX/XX/XXXX I dispute thats not off my credit report that wasnt me either

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