vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-28 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-12-28 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: V and H Portfolio
State: AL

Complaint narrative:
On XX/XX/2023, I had a message left that threatened for someone to come out to my house or work to sign XXXX civil court correspondence. They stated that I needed my license and another person to sign as a witness... this is the number given to call XXXX. This was XXXX XXXX  XXXX for the amount of {$3300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
This case involves " XXXX XXXXXXXX '', a rental apartment complex, and " XXXX XXXX '', the collection agency to which the debt was sent to. 

A summary of the issue is the following : I lived in XXXX XXXXXXXX until XX/XX/XXXX and paid the prorated rent amount for the first 10 days of the month of XX/XX/XXXX ( the lease ended on XX/XX/XXXX ). XXXX  XXXX sent me a bill that included rent charges for 13 days ( including the XXXX, XXXX, and XXXX ) of XXXX. I attempted numerous times in good faith to resolve the outstanding amount to no avail. I could never get in contact with anyone there or get any response via email or phone. 

Instead of trying to resolve the issue with me, XXXX XXXXXXXX sent the debt to the collection agency ( " XXXX XXXX '' ) which is now threatening to harm my credit if I do not pay in full. 

When I asked the collection agency for proof of this debt, they sent me a copy of the apartment lease that I already had clearly showing the end date of the lease as XX/XX/XXXX. 

In addition, according to the collection agency ( " XXXX XXXX '' ), XXXX  XXXX is falsely stating that I stayed in the building past the end date of the lease ( XX/XX/XXXX ) to account for the extra charges. This is demonstrably false, and I would have been happy to provide evidence of such if they had ever bothered to respond to my attempts to resolve the outstanding balance. 

I have no issues paying for any remaining legitimate charges ( such as residual utility charges, etc. ), however I do not owe the amount stated and despite numerous attempts resolve the issue directly with XXXX XXXXXXXX. I will include proof of correspondence attempts in the " proof '' section of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: PA

Complaint narrative:
I have several complaints about the way the Federal Student Loan servicers is conducting business, examples are below : XXXX. Making account changes without giving written notifications, their form of notifications is via their application which unless you log in more than a month you would never know of any issues. 
XXXX. Not being notified of payments being due, once again you have to log into your account multiple times to even know there is payment due. 
XXXX. Interest being capitalized on loans, when you are on a XXXX plan or have been in a forbearance where the interest should not be capitalized. 
XXXX. Sent email communication to the company over 2 months ago and have not heard back, call wait times are 2+ hours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
This account was created on cash app and is completely fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Consumer Financial Protection Bureau [ CFPB Mailing Address ] XXXX XXXX XXXXXXXX XXXX, Complaint Subject : Opting Out of Authorization and Request for Corrections XXXX XXXXXXXX XXXX, I am writing to inform you, as a federally protected consumer under the FCRA, that I am opting out of any and all authorizations provided under 15 USC 6802. This opt-out includes written, unwritten, verbal, and non-verbal authorizations and is effective immediately and indefinitely. 
Upon reviewing my credit reports, I have identified several issues that require your attention. It has come to my notice that third-party reporting agencies are disclosing my private information to all three credit bureaus, violating my Privacy Right under the Privacy Act of 1974. 
Additionally, there are charge-offs listed on my credit reports, which I believe should be considered a " Certificate of Indebtedness '' and removed, as income can not be reported to my credit report according to the law. 
I would like to bring to your attention that all my bank accounts are insured under 15 USC 1681, and I have not received any interest or payment. I provided a security under 16 CFR 444.1.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: MO

Complaint narrative:
Experian has closed XXXX complaints today and notified me that there still working on the issue, ITS ALL THE SAME COMPLAINT EXPERIAN IS STEALING PEOPLE 'S PAYMENT HISTORY TO KEEP SCORES LOW

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 2023-12-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
Sunrise XXXX XXXXXXXX has put an account in collection on my credit report for the amount of XXXX for XXXX XXXX XXXX. I never held any type of account with them. I didnt recieve any type of bill for this debt and was not given to opportunity to dispute this transaction. I have submitted a dispute with all XXXX credit bureaus.

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 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Opportunity Financial, LLC
State: TX

Complaint narrative:
I am using my rights under the FCRA to contest any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law. 

The content mentioned above was never verified to meet reporting standards. The data preceding it was never verified to be accurate, complete, or up to date. I require any erroneous, incomplete, or unsupported material be deleted. 

This discrepancy is alarming and I'm confident you'll resolve them quickly. Please review the account with a fine tooth comb, as it appears that something isn't quite right here! The data appears inaccurate or inconsistent with established reporting standards of the XXXX. 

I want to bring to your attention Creditor Type ( - ) reporting Personal Loan Companies .The data for this account appears to be inaccurate or inconsistent with established reporting standards of the XXXX . I would like you to review it again and prove that everything is true, accurate, complete ( in time ), verified & compliant with all requirements- if not then please remove my profile!

Upon inspecting Dispute Status ( BS-20 ) exhibiting Account not disputed. There are certain things I can not live without. One of those necessities is compliance with federal and state regulations! So, how did you manage to comply? Prove your compliance by showing me some proof! 

Furthermore, this has been ongoing with OppLoans and they have not addressed any of my concerns and I demand that this credit file be removed from my credit report for several inaccuracies mentioned and included in this complaint. In addition, the loan was apparently sold to a company named XXXX XXXX and the complaint and response from XXXX XXXX is also included in this complaint. 

According to 15 US Code 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies, Opp Loans has neglected to address any of my concerns and have failed to provide accurate information to the data furnishers and Credit Reporting Agencies such as Reporting information after notice and confirmation of errors ( a copy of the 15 US Code 1681s-2 is also included in this complaint ) Additional copies include my credit report with the inaccuracies listed such as showing a charge off and a past due balance which is a clear violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: TX

Complaint narrative:
I am using my rights under the FCRA to contest any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law. 

The content mentioned above was never verified to meet reporting standards. The data preceding it was never verified to be accurate, complete, or up to date. I require any erroneous, incomplete, or unsupported material be deleted. 

This discrepancy is alarming and I'm confident you'll resolve them quickly. Please review the account with a fine tooth comb, as it appears that something isn't quite right here! The data appears inaccurate or inconsistent with established reporting standards of the XXXX. 

I want to bring to your attention Creditor Type ( - ) reporting Personal Loan Companies .The data for this account appears to be inaccurate or inconsistent with established reporting standards of the XXXX XXXX I would like you to review it again and prove that everything is true, accurate, complete ( in time ), verified & compliant with all requirements- if not then please remove my profile! 

Upon inspecting Dispute Status ( XXXX ) exhibiting Account not disputed. There are certain things I can not live without. One of those necessities is compliance with federal and state regulations! So, how did you manage to comply? Prove your compliance by showing me some proof!

Furthermore, this has been ongoing with XXXX  and they have not addressed any of my concerns and I demand that this credit file be removed from my credit report for several inaccuracies mentioned and included in this complaint. In addition, the loan was apparently sold to a company named XXXX XXXX and the complaint and response from XXXX XXXX is also included in this complaint. 

According to 15 US Code 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies, XXXX XXXX has neglected to address any of my concerns and have failed to provide accurate information to the data furnishers and Credit Reporting Agencies such as Reporting information after notice and confirmation of errors ( a copy of the 15 US Code 1681s-2 is also included in this complaint ) Additional copies include my credit report with the inaccuracies listed such as showing a charge off and a past due balance which is a clear violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 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: FL

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-12-27 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: MI

Complaint narrative:
The law says it is illegal to report transaction history 16 CFR 313.7 - Form of opt 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods.out notice to consumers ; opt out methods. 16 CFR 313.7 - ( a ) ( 1 ) ( i ) ( ii ) ( iii ) Form of opt out notice to consumers ; opt out methods.

15 U.S. Code 6802 - ( b ) 1. Obligations with respect to disclosures of personal information. 
I did not give consent to report my transaction, history, or utilization, and demand that it be reported to XXXX because it is affecting my score tremendously! It is a violation {$1000.00} per inquiry federal law.

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 2023-12-27 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: Avant Holding Company, Inc.
State: MI

Complaint narrative:
The law says it is illegal to report transaction history 16 CFR 313.7 - Form of opt 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods.out notice to consumers ; opt out methods. 16 CFR 313.7 - ( a ) ( 1 ) ( i ) ( ii ) ( iii ) Form of opt out notice to consumers ; opt out methods.

15 U.S. Code 6802 - ( b ) 1. Obligations with respect to disclosures of personal information. 
I did not give consent to report my transaction, history, or utilization, and demand that it be reported to XXXX because it is affecting my score tremendously! It is a violation {$1000.00} per inquiry federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX XXXX # XXXX, XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Inaccurate Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inaccurate Phone Numbers : 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 2023-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I deposited a cheque for {$500.00} in my Truist account. This cheque was drawn against my account in XXXX XXXX XXXX 

On XX/XX/XXXX an amount of {$500.00} was credited in my Truist account but it was immediately put on hold. 

I can see that {$500.00} has been debited from my XXXX account, confirming that the cheque was honoured. 

When I call Truis bank, I am told that the check I deposited is put on hold for validation and will be cleared on XX/XX/XXXXXXXX 

Complain : XXXX XXXX XXXXXXXX has already cleared the cheque for {$500.00} on XX/XX/XXXXXXXX XXXX However Truist bank will clear those funds on XX/XX/XXXX. 

Truis bank is using {$500.00} in some ways without crediting those in my account.

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 2023-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My personal information was used to apply for credit. I am a victim of identity theft. Please remove and block these inquires from my credit report. 
XXXX XXXX ( Retailer ) XX/XX/ XXXX XXXX ( Finance ) XX/XX/ XXXXXXXX XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Finance ) XX/XX/ XXXX XXXX XXXX XXXX ( Retailer ) XX/XX/ XXXX XXXXXXXX XXXX ( Bank XXXX XX/XX/XXXX XXXXXXXX ( Bank ) XX/XX/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 2023-12-27 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: CA

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint 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 non-monetary relief
Consumer complaint received 2023-12-28 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: TX

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TransferWise Ltd
State: NY

Complaint narrative:
On XX/XX/ Wise had closed my business account which has over XXXX XXXX without any notice due to unspecified reasons. As a customer, i deserve to know why my account is closed. This has caused a significant damage to my small business as i have over XXXX XXXX locked in in Wise account. I am small XXXX seller, I primarily sell on XXXX XXXX and receive regular deposits from XXXX in my Wise account and pay to my XXXX shipping partner and vendor. I have already filed an appeal but Wise is not answering to emails. As a small business, this event has paralyzed my business. My Wise account details are as follows : Business Name - XXXX XXXX XXXXXXXX Registered Email - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KY

Complaint narrative:
XX/XX/ we requested a COVID forbearance due to loss of wages during COVID. We sent all proof and we were accepted into the program. Before we accepted, I asked several times if we had to pay this back immediately after the forbearance expired and I was told no, we could add that on to the tail of our mortgage and continue making monthly payments. Now they are insisting on either payment in full of XXXX or XXXX per month for the remaining balance. We couldn't pay the XXXX originally and our situation is not much better so we now have to try to make this work. Now although our first PaymenXXXX isn't due until XX/XX/XXXX we are being threatened with foreclosure letters, debt collection calls daily etc... If we knew that this was going to ruin our lives worse than COVID, we never would have proceeded with the forbearance.

Company response to consumer: Closed with explanation