vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-28 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: IN

Complaint narrative:
I Demand an Immediate and Thorough investigation into these blatant discrepancies within FOUR DAYS, as mandated by FCRA. You are REQUIRED to provide undeniable evidence, such as detailed account statements, substantially the alleged lateness of these payments. FAILURE to furnish such proof within specified 4-days time frame will lead to my INSISTENCE that these payments be corrected to reflect their accurate, ON TIME status in rigorous adherence to FCRA SECTION 611, which mandates accuracy and completeness in consumer reports. 

I have consistently met my payment obligations ON TIME and Will NOT TOLERATE this unacceptable situation. RECTIFY THIS IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Reviewing my credit report recently I discovered fraudulent accounts I did not own, preventing me from obtaining credit. Please remove accounts from my file.

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 2024-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: NJ

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 informationisinaccurate.

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 2024-09-28 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: NV

Complaint narrative:
Open Date XX/XX/XXXX late payment for XXXX and XX/XX/XXXX the company never fix the issue

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 2024-09-28 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Open Date XX/XX/XXXX late payment for XXXX and XX/XX/XXXX the company never fix the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: NV

Complaint narrative:
Open Date XX/XX/XXXX late payment for XXXX and XX/XX/XXXX the company never fix the issue

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 2024-09-29 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: NJ

Complaint narrative:
Upon checking my report I see accounts i do not recognize XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court on XX/XX/XXXX. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. You lied to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Someone clearly used my information without my authorization. 
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed. 
This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation.

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 2024-09-29 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: NJ

Complaint narrative:
Upon checking my report I see accounts i do not recognize XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court on XX/XX/XXXX. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. You lied to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Someone clearly used my information without my authorization. 
Now I am XXXX  XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed. 
This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 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: FL

Complaint narrative:
Upon reviewing my credit reports, I was surprised to discover that late payments were reported for an account in which I have never been late. As outlined by the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain the accuracy and integrity of the information they report. My payment history for the account XXXX XXXXXXXX, account number XXXX, has always been timely and without issues. 

I want to make it clear that I am not requesting the removal of the account. My request is that all of my payments be updated to reflect the on-time payments I have made. Therefore, I am formally requesting an investigation into this matter and that documented proof, including payment records, be provided to support these reported late payments. If such proof can not be provided, I demand that these erroneous entries be corrected to reflect the accurate payment history. It is crucial that this matter be resolved promptly to ensure the accuracy of my credit profile, as is my right under the FCRA. Thank you for your prompt attention to this matter

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 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer XXXX Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX  XXXX on XXXX under the XXXX account number, a credit card opened at XXXX XXXX XXXX XXXX under the XXXX account number, an account opened at XXXX XXXX on XXXX under the XXXX account, and an account opened at XXXX on XXXX under the XXXX account number. Unauthorized inquiries, XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX. These accounts have resulted in several fraudulent late payments, charge-offs, inquiries, and fraudulent collections appearing on my consumer XXXX Credit Report. I demand that the aforementioned fraudulent items be removed from my consumer report and all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2024-09-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX 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 2024-09-28 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:
Subject : Request for Investigation and Removal of Inaccurate Information Dear Consumer Financial Protection Bureau, I am writing to address the ongoing issue of inaccurate account information on my credit report that has not been removed following seven unsuccessful reinvestigations. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and related laws. 

Basis for Dispute : I have previously submitted multiple disputes to TransUnion regarding inaccuracies in the account listed below, providing clear evidence of the errors and requesting its removal from my credit report. Despite seven reinvestigations, the inaccurate account remains on my credit report, which is a clear violation of the FCRA and applicable regulations. 

As per Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA and 15 U.S. Code 1681i ( 5 ), if a reinvestigation does not resolve the dispute, the credit bureau is required to delete the disputed information. The repeated failure by TransUnion to remove this incorrect account information has caused me significant financial harm and distress. 

Account Information : Account Number : XXXX Creditor Name : XXXX I request that the Consumer Financial Protection Bureau investigate this issue and take necessary legal action to ensure that TransUnion complies with the FCRA. I am also requesting the immediate removal of the inaccurate account information from my credit report. 

The inability of TransUnion to properly handle this matter has negatively impacted my credit standing, and I am seeking your assistance in enforcing the legal obligations TransUnion is required to meet under the FCRA.

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 2024-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
Aidvantage keeps placing my consolidated direct loan into forbearance, even though I have directed them on mutlitple occasions to not do so. I am a XXXX XXXX within XXXX XXXX  XXXX XXXX XXXX, and by Aidvantage  keep placing this loan into forebearance, they have robbed me of credits I would have otherwise received towards Public Loan Forgiveness ( PSLF ), resulting in the delay of PSLF receipt and increasing overall interest accumulation. Please see below timeline : XX/XX/2024 : Deferment applied, called same-day to remove the deferment and directed not to place this account into any deferment or forbearance. 

XX/XX/2024 : Deferment re-applied to account without my knowledge or consent. 

XX/XX/2024 : Discovered deferment applied to account, called to remove. Aidvantage rep would not answer my question about the 4 months of lost credit time for PSLF due to their negligence. 

XX/XX/2024 : Forbearance unilaterally applied to account by Aidvantage. Tried to call, but offices closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: GA

Complaint narrative:
Reviewing my credit report recently I discovered fraudulent accounts I did not own, preventing me from obtaining credit. Please remove accounts from my file.

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 2024-09-28 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: GA

Complaint narrative:
Reviewing my credit report recently I discovered fraudulent accounts I did not own, preventing me from obtaining credit. Please remove accounts from my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 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: FL

Complaint narrative:
Upon reviewing my recent credit report, I noticed several accounts that were opened fraudulently in my name. These unauthorized accounts are not only inaccurate but are also damaging my credit score, which is impacting my ability to secure financial products. I kindly request that you investigate this issue and promptly remove these fraudulent accounts from my report to restore the accuracy of my credit profile.

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 2024-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I was scammed by someone claiming to be from my Time Share Company to send an international Wire Transfer to XXXX XXXX XXXX on XX/XX/year> for {$4500.00}. On XX/XX/year>, I realized that it was a fraudulent request. I contact Citibank to recall wire transfer. Citibank initiated a recall on XX/XX/year>. After again being contacted by the scammers for additional funds, I had to call Citibank several times to get updates on the status. After my third call, Citibank informed me that according to XXXX XXXX, there were no funds to be returned and Citibank said, there is nothing they can do. How can a Financial Institution as large as Citibank have no recourse for their customers? How can Citibank no protect their customers from fraud? Citibank has been sued in the past for this exact type of incompetence and it appears their policies have not changed. Does Citibank not have fraud insurance protection? How can Citibank allow recalled funds not to be returned? Financial Institutions like Citibank should not just shrug their shoulders and turn away from customers who experience this type of fraudulent behavior. Additional steps need to be taken to ensure that fraudulent funds are returned. Unfortunately, now I have to hire a lawyer to deal with this matter.

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 2024-09-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Lead Bank - Self XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX Date XX/XX/2024 To Whom This May Concern, I, XXXX XXXX, have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information, I will review and respond within the 30-day period allotted to me under federal law. 

If it is found that there is no evidence of this debt under my name then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective local or federal agency. 

Furthermore, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. I am aware of the request for payment by your company and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties. 

I appreciate your efforts in this matter and look forward to your response. 

Regards, XXXX XXXX Signature : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SUN LOAN COMPANY INC.
State: NY

Complaint narrative:
In or around XX/XX/XXXX, I took an installment loan from Sun Loan Company in XXXX XXXX Texas. In XXXX of XXXX, I lost my job at XXXX XXXX as a XXXX. I immediately called this company to ask if they could come to some kind of payment arrangement with me, as XXXX per month was a very high amount to pay. I was told " no '' by the Customer Service representative and was further advised I should " ask a family member for help, because I have a contract ''. After this phone call, this company repeatedly called me more than 3 times per day, asking when I would be able to make additional payments. I was unable to get the calls to stop until I threatened a lawsuit. Additionally, my credit reports were not being updated to show that this account was being paid every month. In XX/XX/XXXX I spoke with the District Manager and again asked for assistance because I was struggling to pay my bill. The Manager stated he would be unable to help me because " if they helped me out, they would have to help everyone ''. In XXXX of XXXX, I relocated to New York State. My change of address is on file with the post office. In XX/XX/XXXX, I contacted Sun Loan Company to inform them of my move, and ask why my credit report was not being updated. The rep on the phone stated since I was no longer in Texas " She can not help me '' and hung up the phone. In XXXX and XX/XX/XXXX, Sun Loan Company did an illegal skip trace and discovered I had moved. They have again started calling numerous times in a week.

Company response to consumer: Closed with explanation