vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-09 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: NY

Complaint narrative:
In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required 21-day notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.

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 2024-04-09 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: NJ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-09 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: NV

Complaint narrative:
Mohela keeps sending me emails asking my employer to certify my PSLF form. I have worked for XXXX XXXX XXXX XXXX ( XXXX ) for 8 years now. XXXX uses XXXX XXXX to generate the PSLF letter to submit to my servicer. I have now sent in the document from XXXX 4 times, yet I keep getting messages from Mohela that my employer never replied. Replied to what? XXXX had a letter ready for me stating my employment which is still current since XXXX  in the same job at an XXXX XXXX. I've tried to call Mohela only to get long recorded replies. I can never, ever reach a human. I don't know what to do. I definitely have a lot of qualified payments that aren't being counted towards my public service forgiveness. How is this fair? I can't reach anyone! Not to mention I still can not afford the payments they want me to make. The only way I hear from them is via email and the emails are always the same telling me to call, yet I can never get anyone on the phone. The PSLF form my employer provides is all I have. I can not control what they allow me to use. The attached form generated by my employer is all I have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
We switched my security system from XXXX to XXXX back in 2021. My family and I decided to finance our security equipment through Fortiva. We were approved for a {$4000.00} line of credit. Our purchase was under {$2000.00} We were making payments to pay off our purchase. We decided to make a purchase the earlier part of XXXX and we were told that we were delinquent on our Fortiva store card. We had been making payments. I called and was told that the Fortiva line of credit that we were first approved for was rolled over onto a credit card with a {$1500.00} line of credit. We were also informed that a credit card was sent out. We never received a credit card and we never received written notification that this change was happening. We also were not allowed to say no. We were not interested in obtaining another credit card. The customer service rep assured me that a card was sent out and that she would make a note on my account. I paid the bill, all but {$12.00} that appeared on the account after I paid the amount that was due. I then called again and demanded proof to be provided that they sent communication about the change and proof of a signature or verbal agreement from myself or any other authorized user on the account and they would not provide any documentation. This is fraud. They should not have been able to close my line of credit and open a credit card in my name using my social security number and other identifying information without my permission. We did not sign up for a credit card and we are not interested in keeping the account open. I filed a complaint with the XXXX  and their response was a {$100.00} credit. Claimed that we mentioned extenuating circumstances. That was a lie. There have been no extenuating circumstances in our household by the grace of XXXX. We don't want a credit from them. We want the wrong to be made right. Restore our original line of credit and close out this account. And make sure that the credit bureaus are aware of their mistake. We have done nothing wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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 2024-04-09 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: NJ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Reported Agencies XXXX, Experian, XXXX, XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX, are in possession of stolen credit card and/or personal information. Companies did unlawfully obtain and use credit card ( social security number ), without knowledge and/or consent of affiant. Company has unlawfully/illegally transferred information related to this stolen 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 2024-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I made a purchase on XXXX for a hotel stay on XX/XX/XXXX for {$660.00} from my checking account with SoFi. When I arrived at the hotel it was in bad condition, so I reached out to the hotel chain who told me to reach out to XXXX to refund me the money. XXXX refused, so I submitted a dispute to the bank alongside the email showing I was owed the refund. SoFi has sided with the merchant. I reached out to SoFi and they just respond saying the matter is closed. I asked for what they used and they send me a blank document. Not sure how they deny the chargeback when I have proof showing Im owed the refund. 
You can see from both attachments the booking id being the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: IL

Complaint narrative:
I sent letters to XXXX and TransUnion last XX/XX/2024 with the tracking number XXXX and XXXX regarding the inaccurate information on my report. There are accounts that are reporting negative but I was never late to any of these accounts. 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 XXXXhey are also reporting a collection account that was never mine. I never agreed or sign to any agreement with XXXX XXXX - XXXX. 

I did ask for the method of verification but I never received any response from any of the credit bureau. Under penalty of perjury, I swear this account is false and misleading. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation ; it was reported without valid evidence. Theres a part of the law that requires them to at least update the status of the account and label it as being in dispute. They failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Its clear to me no proper investigation actually took place which is negligence on their part my livelihood is at stake and this inaccuracy is causing me great stress.

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 2024-04-09 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: NY

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AL

Complaint narrative:
I received an alert that a collection from Fair Collections and Outsourcing ( FCO ) for a rental debt was placed on my credit report. I then contacted FCO for more information and told them that I never lived at the address they stated, and the rental was a result of identity theft. I filed an identity theft claim with the Federal Trade Commission stating that In XX/XX/XXXX, I received a phone call from a collections agency known as Fair Collections and Outsourcing saying that they were a debt collector attempting to collect a rental debt. I had no knowledge of this debt as I'd never rented an apartment from the rental company, they said they were collecting for, XXXX XXXX XXXX XXXX. They then gave me information that the account went delinquent in XX/XX/XXXX. I've never lived at a XXXX XXXX property and have no knowledge of the account. I attached proof that at the time the rental occurred I was living at not only another address, but another state that the rental occurred. FCO sent me a letter back saying that they still believe the account is my responsibility when I in fact did not ever live there. I have reached out to them three times already to resolve this problem, they have refused to comply to the FCRA rules. Before I take this case any further, I decide to submit a complaint first before I contact them for a fourth time. If they still refused to delete this account from my report that leave me no choice but to press charge against their company for the damage they have cause to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: PA

Complaint narrative:
Im providing this info one last time and hopefully XXXX XXXX and Transunion are able to fix my credit report with all the negative accounts that are fraudulent Im attaching the police incident number which is the police report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: PA

Complaint narrative:
Im providing this info one last time and hopefully XXXX Experian and XXXX are able to fix my credit report with all the negative accounts that are fraudulent Im attaching the police incident number which is the police report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: TX

Complaint narrative:
I have called IQ DATA 5 times. 

I was not verified on XXXX of those calls by ssn or dob the only verifiable information was the account number and the mini XXXX was not read on 3 of those calls. 

The information provided in the call was rushed through and I asked for them to send me validation and proof that they are licensed to collect the debt in the state of Texas The representatives were rude and over talk you when you start asking questions. 

I called the XXXX XXXX XXXX and was told they use a company called XXXX collections and that is it the company my credit report. 

I never entered into an agreement with this company and have not agreed to any debt. 

The dates reporting on my credit isnt accurate either and the amount owed is ridiculous. 

Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing in response to your recent communication regarding the investigation results of my credit dispute, dated XX/XX/year>, in which you failed to provide the demanded information regarding the status of certain disputed items on my credit report had the investigation results came back as verified. 

While I appreciate your efforts to address my concerns, I must express my dissatisfaction with the response provided. Upon reviewing the details provided by Equifax, I find that there are several crucial points that remain unaddressed and demand immediate attention. 

First and foremost, I had explicitly requested that Equifax provide me with the investigation results, including all documentary material, in accordance with the Fair Credit Reporting Act ( FCRA ). However, the response provided by Equifax fails to fulfill this demand. It is imperative that I am provided with detailed documentation regarding the investigation process and validation of the disputed accounts, if these things can not be provided, they are to remove the accounts within 4 days as per the statutory requirements outlined in 15 U.S. Code 1681c2.

Furthermore, Equifax 's statement that the investigations were performed " where applicable '' raises significant concerns. It is my contention that if an investigation could not be thoroughly completed and documented, then the disputed accounts must be removed from my credit report altogether. The failure to provide comprehensive investigation results is a violation of federal law and constitutes a breach of trust between Equifax and myself as a consumer.

Additionally, I had specifically requested that Equifax provide me with all documentary material regarding the validation of the disputed accounts, including any agreements between the alleged creditors and debt collectors involved in the attempted debt collection process. However, Equifax has failed to provide this essential information, citing company policy as justification. It is important to emphasize that company policy does not supersede federal laws and regulations, and Equifax is obligated to adhere to the requirements set forth in the FCRA as well as the United States Codes.

Furthermore, Equifax 's response regarding inquiries on my credit file is inadequate. Inquiries are not made in stone and neither inquiries or anything else just be placed onto the report without me first giving expressed consent. I reiterate that my primary concern lies with the thoroughness and accuracy of the investigation results regarding the disputed accounts and the right to claim of harm due to financial trespass and conspiracy of the alleged creditor, Equifax and the CFPB to deprive the living woman her unalienable right to the pursuit of happiness and financial freedom.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: CO

Complaint narrative:
The statute of limitations has expired on this account. I closed the account more than 10 years ago and the just sent it to XXXX  and 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 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these accounts be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.

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 2024-04-09 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: PA

Complaint narrative:
Kindly eliminate these inquiries. I possess no information on them, and the company acted without my authorization.

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