vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX I was notified creditor-XXXX XXXX report 30 day late in XX/XX/XXXX to credit bureaus. I contacted XXXX to get this resolved for several days from XXXX XX/XX/XXXX and submitted a dispute to XXXX on XXXX and to Experian on XX/XX/XXXX. 

It is very difficult to speak with someone at XXXX on the mgmt team, resolutions team and the US corporate office. I have only spoken with customer service located in XXXX. I have sent several emails to resolutions team however there is no ph # to speak with a human. 


My acct was paid several months ahead periodically, the account has never been late. 

I received an email from resolutions on XX/XX/XXXX indicating the correction would be submitted to the bureaus XXXX. 

XXXX I emailed XXXX XXXX XXXX XXXX get a status on the correction. 
I then contacted XXXX and was advised a XXXX Representative, XXXX, verified the accuracy of the late pmt on the account on XXXX. I completed a conference call with XXXXXXXX Customer Relations XXXX and XXXX Customer Service XXXX XXXX XXXX indicated that he would contact a supv and get back with me. XXXX has indicated that the creditor has the ability to update the account electronically and update on their end same day. 

Experian never showed the XXXX account as reporting, however XXXX rec 'd notification on XX/XX/XXXX the acct reported late in XXXX. Experian has not received any correction request from XXXX XXXX XXXX Resolutions Dept responded back indicating that the correction was submitted on XXXX. I responded back indicating the conversation that I had yesterday with XXXX and XXXX Customer Service Rep and that I need to speak with a supervisor. I called XXXX and there is no other ph # than the one that transfers you to a Customer Service Rep in XXXX who can not assist with this matter. This is not acceptable to have a US based company however can only speak with CSR in XXXX and unable to speak with anyone with authority to resolve the issue. 

Experian is showing my dispute still in process This has caused my credit scores to drop significantly and causing stress and financial hardship. Also, I did not give this creditor authorization to report this account nor transaction history to my consumer report based on USC 15 1681, USC 15 1666b

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 2023-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
They keep contacting my place of employment after being told repeatedly to stop contacting. No written notification has been sent to my home address to verify any debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: MD

Complaint narrative:
CALLED IN TO COMPANY TO EXPLAIN THE DEBT WAS FALSE AND I WAS TRYING TO SUE THE COMPANY TO GET THE DOCUMENTS NEEDED TO CLEAR THE DEBT DEBT COLLECTOR SAID HE DIDINT BELIVE IT AND I HAD TO PAY THE DEBT ALSO PUT IN NOTES FOR OTHER EMPLOYEES TO SEE AND TOLD THEM TO NOT HELP WITH PAYMENT PLAN BECAUSE HE IS ON THE CONSUMER SIDE. 

CALLED TODAY TO START PAYMENT PLAN GOT HUNG UP ON SMART REMARKS AND WAS TOLD I WOULD NOT GET A RECEIPT FOR MY PAYMENT PLAN BECAUSE ITS A SMALL AMOUNT AND I SHOULD SPEND ALL MY TAX MONEY AND LIFE SAVINGS ON THE DEBT XXXX XXXX IS THE MANAGER AND VERY RUDE AND DISRESEPCTFUL

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XX/XX/XXXX payment history wrong XXXX XX/XX/XXXX payment history wrong for all 3 credit bureau XXXX XX/XX/XXXX payment history wrong for all 3 credit bureau XXXX XXXX XXXXXXXX XX/XX/XXXX payment history wrong for all 3 credit bureau

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 2023-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have been dealing with this insurmountable debt on my credit since 2018. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My caregiver STOLE my credit card and ran up my balance. I had an excellent history before this. Now I can't get another card or pay this extravagant balance, and I'm barely making ends meet as it is. I've done everything, I even filed a police report against the involved party. No one helped me. I do not deserve to have such a blemish on my credit. My credit was excellent before all this.

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 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, 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:
I was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of my ID for identity verification and a bill for address verification.

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 2023-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: NH

Complaint narrative:
An amount for a {$300.00} delinquent account with XXXX XXXX XXXX XXXX appeared on my credit report ( XXXX, XXXX ). I have never had an account with XXXX or XXXX, and never received any written correspondence regarding the owed amount. 

I opened a dispute, which was upheld for XXXXXXXX XXXX Upon calling XXXX, no account was found associated with my name and information. When contacting XXXX by email, they will not disclose with me the account number or what it is regarding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, 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:
I called and spoke with XXXX and XXXX on XX/XX/10 and asked how to update my name to my married name. They told me that i have to send my government ID, marriage license and Social Security card via postal mail. 

This puts me at risk of someone getting my information and using it fraudulently. I shouldn't have to expose my self by sending my full social security card, ID with my full name and address and marriage license via mail to have my last name updated.

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 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, 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:
To Whom It May Concern, On XX/XX/2022 I sent you a letter disputing information contained in consumer reports compiled, maintained, and published by you allegedly concerning regarding the following XXXXXXXX XXXX  XXXX Account number XXXX you received my dispute letter. 
Accordingly, as per the FCRA you were required to conduct a reasonable investigation and delete the disputed information as I requested before the end of the 30-day period of the date on which you received my dispute letter. You received my dispute letter.Therefore, your response was due on or by XX/XX/2022 Instead of sending me a response letter with the result of your investigation of the disputed information, you mailed me a letter dated claiming account verified but sent no proof. 
Clearly, you have willfully failed to delete the disputed information as I have requested. In lieu of the disputed information, you willfully failed to conduct a reasonable investigation of my dispute. However, your excuse or assumption is a not valid reason under the FCRA to not reinvestigate my dispute. Note, you have nol made any reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me a notice of such determination that complies with the FCRA. Furthermore, I directly dispute the completeness and or accuracy of information contained in my consumer file. As per the FCRA, your failure to reinvestigate is an intentional and/or negligent FCRA violation . 
As a result of your conduct as described above, you shall promptly delete the disputed Information. Additionally, as per the FRA, you are liable to me for damages for your conduct. 
Thus, in addition to your deletion of the disputed information, you are commanded to send a check in the amount of {$1000.00} payable to the order of ( XXXX XXXX XXXX ]. Be advised, this IS NOT another dispute or opportunity for you to reinvestigate the previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law. 
Within 14 days, ( 1 ) [ ( Select one ) modify or delete the disputed information requested, ( 2 ) send an updated copy of my consumer file, and ( 3 ) send me the {$1.00} check to my malling address listed above. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2022 I sent you a letter disputing information contained in consumer reports compiled, maintained, and published by you allegedly concerning regarding the following XXXX XXXX XXXX account XXXX, you received my dispute letter. 
Accordingly, as per the FCRA you were required to conduct a reasonable investigation and modify disputed information as I requested before the end of the 30-day period of the date on which you received my dispute letter. Therefore, your response was due on or by XX/XX/2022 : Instead of sending me a response letter with the result of your investigation of the disputed information, you mailed me a letter dated claiming item was verified but didnt send any proof. 
Clearly, you have willfully failed to delete the disputed information as I have requested. In lieu of the disputed information, you willfully failed to conduct a reasonable investigation of my dispute. However, your excuse or assumption is a not valid reason under the FCRA to not reinvestigate my dispute. Note, you have not made any reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me a notice of such determination that complies with the FCRA. Furthermore, I directly dispute the completeness and or accuracy of information contained in my consumer file. As per the FCRA, your failure to reinvestigate is an intentional and/or negligent FCRA violation XXXX 
As a result of your conduct as described above, you shall promptly delete the disputed information. Additionally, as per the FRA, you are liable to me for damages for your conduct Thus, in addition to your Select deletion of the disputed information, you are commanded to send a check in the amount of {$1000.00} payable to the order of ( XXXX XXXX XXXX ]. Be advised, this IS NOT another dispute or opportunity for you to reinvestigate the previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law. 
Within 14 days delete the disputed information requested, ( 2 ) send an updated copy of my consumer file, and ( 3 ) send me the {$1.00} check to my mailing address listed above. 

Sincerely, XXXX 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 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, 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: IL

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse items of information, other than records of convections of crimes which antedates the report by more than seven years. 
15 U.S.C 1681 s-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 non-monetary relief
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, 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:
When I went to the car dealership they told me they were going to only pull credit from XXXX XXXX. However, i have a bunch of inquiries on my report that i didn't authorize. Inquires not recognized : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, 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:
To Whom It May Concern, On XX/XX/2022 I sent you a letter disputing information contained in consumer reports compiled, maintained, and published by you allegedly concerning regarding the following XXXX XXXX  XXXX Account number XXXX you received my dispute letter. 
Accordingly, as per the FCRA you were required to conduct a reasonable investigation and delete the disputed information as I requested before the end of the 30-day period of the date on which you received my dispute letter. You received my dispute letter.Therefore, your response was due on or by XX/XX/2022 Instead of sending me a response letter with the result of your investigation of the disputed information, you mailed me a letter dated claiming account verified but sent no proof. 
Clearly, you have willfully failed to delete the disputed information as I have requested. In lieu of the disputed information, you willfully failed to conduct a reasonable investigation of my dispute. However, your excuse or assumption is a not valid reason under the FCRA to not reinvestigate my dispute. Note, you have nol made any reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me a notice of such determination that complies with the FCRA. Furthermore, I directly dispute the completeness and or accuracy of information contained in my consumer file. As per the FCRA, your failure to reinvestigate is an intentional and/or negligent FCRA violation XXXX 
As a result of your conduct as described above, you shall promptly delete the disputed Information. Additionally, as per the FRA, you are liable to me for damages for your conduct. 
Thus, in addition to your deletion of the disputed information, you are commanded to send a check in the amount of {$1000.00} payable to the order of ( XXXX XXXX XXXX ]. Be advised, this IS NOT another dispute or opportunity for you to reinvestigate the previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law. 
Within 14 days, ( 1 ) [ ( Select one ) modify or delete the disputed information requested, ( 2 ) send an updated copy of my consumer file, and ( 3 ) send me the {$1.00} check to my malling address listed above. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
My account was charged off however when I tried to make payments online I also get a notification stated that the website is either down or under going maintenance. I have had to fly back into the XXXX XXXX to make a payment directly. 

I never gave vystar written consent to furnish anything to my credit report. Please remove the charge and allow me a few day to make my payment in full.

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 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OH

Complaint narrative:
When the rules changed on the public service loan forgiveness program which I was previously not eligible for, I submitted the paperwork for my 17 year public service career to have loans forgiven and possible refund of overpayment. My loans were previously serviced by a private servicer ( XXXX XXXX XXXX ). All along the way, I was toldk that any overpayments beyond the 120 I had made would be eligibile for reimbursement. I even submitte additional paperwork for a previous position faxed addtional info at my expense to include this position even though my current fullfilled the 120 payment/10 year threshold. Multiple times I was told that I should be in line for a refund of overpayment ( approx. XXXX XXXX ). Just today I learned that because I paid a private servicer for the 10+ years, I am not eligible for a refund. I was told wrong info all along the way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief