vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-03-21 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: FL

Complaint narrative:
Pursuant to 18 usc 8, I owe no debt, pursuant to 15 usc 1681 b ( 2 ) your agency also has violated my right to privacy by furnishing private information about me without any lawful authority or my written consent also your agency has no permission to report anything using my info pursuant to 15 usc 1681 ( 4 ) However your agency only go off the word of creditors & third party agencies which is another violation pursuant to 15 usc 1681 A ( E ) the following companies NEED TO IMMEDIATELY BE REMOVED FROM MY CONSUMER REPORT XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto ) XXXX. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My CURRENT and ONLY address is XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.

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 2024-03-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Cedar Holdings, Inc.
State: OH

Complaint narrative:
I took out a loan from Gray Fox lending on XX/XX/23. I have already paid them almost {$1700.00}. I did not notice at the time that I took out the loan that the annual percentage rate will 700 %. According to the lone documents, I will have to pay back over {$7000.00}. I understand that they are a tribal lending company. I wonder if there is any resource or law that applies under usury statutes. I would never have agreed to this loan. If I had understood the terms and conditions up front.

Company response to consumer: Untimely response
Consumer complaint received 2024-03-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
I don't recall having a contractual relationship with CREDIT COLLECTION SVCS Account Number XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Kashia Services
State: GA

Complaint narrative:
Another loan with an illegally high interest amount in state of Georgia.. can not afford to pay this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
In XX/XX/XXXX, Goldman Sachs locked me out of my Apple Credit Card account due to a bankruptcy flag placed on my account. The issue is that I did not file bankruptcy. I have an authorized user on my account who filed XXXX XXXX bankruptcy in XX/XX/XXXX. I have contacted Goldman Sachs 4 times to resolve this issue. The customer service reps and supervisors have all said they are going to escalate the issue / case to get it resolved. As of XXXX XXXX, no progress nor resolution has been made on the account. Meanwhile, my credit score is suffering because Goldman Sachs is reporting that my account is past due and over the limit. They will not allow me to make a payment which only further impacts my credit rating. Maintaining good credit is a condition of employment with my current employer and Goldman Sachs is jeopardizing that. An investigation needs to be launched into their business practices that prevents timely resolution to such issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I don't recall having a contractual relationship with TRANSWORLD SYSTEMS INC Account Number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My name is XXXX XXXX I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


My CURRENT and ONLY address is XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights

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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My CURRENT and ONLY address is XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: FL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-03-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
I am unaware of the nature of this debt, I didnot receive proper notification of this debt before it was reported on my credit reports. IF in fact you believe that i received proper notification, please provide a copy of the certified mail receipt with my name and signature on it stating that I received it

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced

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 2024-03-21 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: NC

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced

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 2024-03-21 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: NC

Complaint narrative:
The presence of these fraudulent details violates the regulations set forth in 15 USC 1681C-2. I am formally requesting the removal of these unauthorized and unlawful inquiries from my credit report. These deceptive inquiries not only provide an inaccurate portrayal of my credit history but also expose me to considerable risks concerning my financial stability and reputation. It is crucial to address this issue promptly to protect my creditworthiness and uphold the integrity of my credit report. Therefore, I am seeking the swift removal of these fraudulent inquiries to restore the precision and dependability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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:
Subject : Request for Verification Method Dear Experian, I hope this letter finds you well. I am writing to request verification of the method used by Experian Reporting Agency to verify the accuracy of the information listed on my credit report.

As a responsible consumer, I regularly monitor my credit report to ensure its accuacy and to safeguard my financial standing. Upon reviewing my recent credit report from Experian credit reporting agency I noticed some discrepancies in the information provided. In order to adress these discrepancies effectively, I kindly request verification of the method used by your agency to verify the accuracy of the information listed on my credit report.

I understand that under the Fair Credit Reporting Act ( FCRA ), consumers have the right to request verification of information listed on their credit reports. As such, I am exercising my rights under the FCRA by requesting clarification on the verification method employed by XXXX XXXX XXXX XXXX. 

XXXX XXXX Please provide detailed information regarding the specific method or process used by your agency to verify the accuracy of the information listed on my credit report. Additionally, I would appreciate any documentation or evidence related to the verification process.

I kindly request that you provide this information within 3 business day the timeframe specified by the FCRA. Your prompt attention to this matter would be greatly appreciated.

Thank you for your cooperation and assistance in resolving this issue. Should you require any further information or clarification, please do not hesitate to contact me.

Deletion of account from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: MD

Complaint narrative:
I am unaware of this debt, I did not receive proper notification before this debt was reported on my account. If in fact, you believe I received proper notification of this debt, please provide a copy of the certified mail receipt with my name and signature stating that I received notification

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 2024-03-21 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: VA

Complaint narrative:
My CURRENT and ONLY address is XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.

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 2024-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
My engagement with Fay Servicing began in XX/XX/XXXX. We had our insurance policy, which we paid for directly and not through an insurance escrow account, emailed to us by our XXXX insurance agent. This is when issues with Fay Servicing started to arise. On XX/XX/XXXX, they debited my account for insurance in the amount of {$1200.00}. 

Subsequently, on XX/XX/XXXX, an insurance refund of {$1200.00} was processed, but it is unclear who the recipient was. On XX/XX/XXXX, I was charged {$96.00} for insurance and received notification that I had been assigned forced placed insurance with XXXX XXXX XXXX for the period from XX/XX/XXXX, to XX/XX/XXXX. 

On the same day, XX/XX/XXXX, my account was again charged for insurance, this time in the amount of {$3500.00}. 

A further insurance refund of {$280.00} was issued on XX/XX/XXXX ; however, it is not specified to whom this refund was made. 

On XX/XX/XXXX, my account was charged yet another insurance payment of {$2600.00}. 

As a result of these transactions, my mortgage payment has increased from {$950.00} to {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Halsted Financial Services, LLC.
State: NY

Complaint narrative:
I was contacted by text message, although I never opted in to receive text messages. I was told I could set up a payment agreement and pay a certain amount each month to avoid collection activity on my credit report. I made the first payment that day as I needed to do so to set up the payment arrangement. Right after my first payment I see this debt reported on my credit report for {$580.00}. The balance owed after my first payment is {$260.00}, per their website with my next payment scheduled for XX/XX/2024. There are no payments reported as being made although they reported this after my first payment was made. The balance is incorrect. Not only that I took the necessary steps to rectify this. This is very deceptive collection practices as I set up the arraignments to avoid this happening. Wrong amount and incorrect information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: SC

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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My CURRENT and ONLY address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.

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