vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-23 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: TX

Complaint narrative:
Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made.

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC

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 2024-05-23 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
We both know that Charge Offs/ Write Offs should not be reported on a credit report this is considered ordinary income and the companies filed these with the IRS and the companies fair to take the proper steps by sending me a 1099c and they should be removed from my report permanently as it is a violation of 15 U.S.C 1681

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: RI

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-05-23 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: LEXISNEXIS
State: TX

Complaint narrative:
I made dispute on XXXX for multiple claims with LexisNexis ( LN ) , LN representative stated by law they had 30 days to do an investigation, if anything were to come back unverifiable, they would be removed from my LN report.

I received a LN letter in the mail dated on XXXX -- XXXX XXXX XXXX claims were unverifiable. They are not removed from my report after their investigation. 

I've requested several times that those 2 claims be removed from my LN report after their findings/investigation were Unverifiable. 

Consumer Number : XXXX Case number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: GA

Complaint narrative:
XXXX XXXX is fraudulently reporting a credit card debt and delinquencies to my credit profile. XXXX XXXX has been found guilty for deceptive and predatory practices, including reporting inaccurate account information to the two major CRAs, Experian and XXXX. There is a XXXX XXXX account that MUST BE REMOVED from my credit profile immediately! My request to block is not being made in error ; nor is my request being made on the basis of misrepresented material facts by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me, as the consumer. It is unlawful, and a DIRECT VIOLATION of several FEDERAL laws and statutes to report inaccurate, misleading, or factually invalidated information. I have been made aware of the following accounts that can not be verified and it must be immediately BLOCKED and DELETED from my credit profile. I have completed and filed an FTC IDENTITY REPORT and attached the document to the complaint filed and delivered via CFPB communication portal to the 2 CRAs, EXPERIAN and XXXX. 

XXXX XXXX XXXX Credit limit {$300.00} XX/XX/20XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Repeated failures to meet established deadlines and timelines for updates and reporting on the bureau 's handling of this investigation, most recently the unmet 30-day deadline stated in your previous memo.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: TX

Complaint narrative:
My previous CFPB complaints have been neglected in providing the evidence required by consumer law from TransUnion and XXXX XXXX. Ive filed multiple CFBP complaints requesting that the TRANS UNION force the company XXXX XXXX to comply with my request to provide specific information pertaining to the account that they have accumulated numerous questionable and unethical fees violating my rights as a consumer. I was never issued a transaction statement for the account with XXXX XXXX. Theyve mailed me interest statements and not transaction statements clarifying evidence as proof of balance at account closing. I requested a statement of all transactions specific to where and when all purchases with amounts that locations from the card that was only active for 30 days according to my credit report. Theyve ignored my request by way of a letter response and CFPB complaint. They only providing statements of interest rates and no transaction or usage of card. The reopening of the account with no proof of transactions was active for XXXX  days with the sole purpose of conducting unethical, consumer violating behaviors by stacking fees without proof of purchases and month end balance. They failed to provide proof of the source of purchases or statement, outlining the usage. Ive attached a document sent to me in a CFPB response without them providing the information I specifically requested.

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 2024-05-23 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: GA

Complaint narrative:
To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them.

Address : Please be sure that my address is listed correctly.

My address should read : XXXX XXXX XXXX, XXXX, Ga, XXXX Employer : XXXXXXXX XXXX 

Phone Number : XXXX Social Security Number : XXXX P

lease remove ANY other information you are currently reporting as they are NOT accurate. I have attached my Identification card. Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: GA

Complaint narrative:
To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them.

Address : Please be sure that my address is listed correctly.

My address should read : XXXX XXXX XXXX, XXXX, Ga, XXXX Employer : XXXXXXXX XXXX 

Phone Number : XXXX Social Security Number : XXXX Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my Identification card. 


Best Regards, 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 2024-05-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I was told my income recertification was coming up and I was required to recertify my income for my SAVE plan. When going through the process, I discovered that switching to a new plan ( ICR ) would have me paying a lower monthly payment while staying on PSLF. So I switched to this plan. Shortly after this, I saw through the news, that the income recertification was delayed and pushed back! Mohela never sent me notification about this. When I reached out I have received several different conflicting answers. 

1. It would happen automatically and there is nothing to do on my end.

2. Since I switched IDR plans, I do not qualify for the extension on the deadline to recertify.

I only switched plans due to the deadline of income recertification, and would have stayed on my existing plan to keep my lower payment.

I am looking to have my payment reverted, and a refund of the difference between my old payment and my new payment.

I have done online messaging, and called in to Mohela several times, but nobody can give me a straight answer, and some flat out lie and make up answers https : //studentaid.gov/announcements-events/idr-recertification-extended

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: TX

Complaint narrative:
Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: TX

Complaint narrative:
Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC

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 2024-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stellantis Financial Services US Corp.
State: KY

Complaint narrative:
I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have

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 2024-05-23 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: JPMORGAN CHASE & CO.
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Five Lakes Law Group PLLC
State: IL

Complaint narrative:
Five Lakes Law Group engaged in deceptive business practices, falsely promising debt reduction and financial improvement. They are not licensed to practice law in Illinois and misrepresented their qualifications. They charged excessive fees, exceeding the 15 % cap set by Illinois law, and instead charged 27 % of the total debt amount. Despite paying substantial fees, they failed to provide the promised debt settlement services, which worsened my financial situation and credit score.As a direct result of their actions, I am now being sued by XXXX XXXX. Their attorney is aggressively pursuing the lawsuit, which could lead to the garnishment of my bank account. This situation puts me at risk of becoming homeless and completely destroying my credit history. We are currently suing Five Lakes Law Group for these violations and the severe personal and financial harm they have caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Veripro Solutions Inc.
State: GA

Complaint narrative:
This company by the name " Veripro Solutions '' has sent me notifications about a balance that they claim that I owe them. I have told them many times that I don't know who they are. I have NEVER signed any documents with this company, PERIOD. When I spoke to XXXX from Veripro 2 weeks ago, I asked him to send me proof that I owe them this debt and I haven't received that documentation as of yet and he told me that I should see it within 48 hours of the day I spoke to him 2 weeks ago. 

I received documents about this debt from Veripro Solutions about 3 months ago that showed that they had forged or manipulated a loan document to put there company name in place where another company had their name. When I asked XXXX about the manipulation of the document, then XXXX stated that this is not unusual for companies to do when they take over a loan. 

Not to mention the original amount of the loan was {$33000.00} but yet they are sending documents with a balance for {$72000.00}. This is crazy to me. The document is showing that they are adding {$10.00} per day as interest. 

The original company : XXXX XXXX XXXX in 2003 for {$33000.00} Veripro has photo shopped the document to replace their name where XXXX name was on the documents. 

Please assist me in getting this matter resolved. 

ALSO PLEASE DO THE MATH.. THE MATH IS NOT MATHING I have included statements and documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: AL

Complaint narrative:
To whom it may concern : This is my Second Letter which serves as my formal written request for the investigation of specific items on my credit report.

In accordance with the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), federal law mandates that you conduct a reasonable re investigation within a 30-day period from the date of receiving this notice to determine the accuracy of the disputed information and update its current status or delete the item. I insist on reviewing Verifiable Proof ( comprising hard evidence tracing back to the original creditor, not third-party database verification ) held in your records for the accounts mentioned below. Failure to positively verify these accounts has adversely affected my credit-seeking capabilities. According to the FCRA, unverified accounts must be promptly removed. 

If you are unable to furnish verifiable proof, the accounts listed below must be removed. 

I request immediate verification that the below accounts were NEVER PAID LATE. On These accounts should be reported as PAID AS AGREED, with NO LATE PAYS. or removal of the following accounts : Creditor : Account # : Late Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief