vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp.
State: LA

Complaint narrative:
Account # XXXX Ive explained to the company that I have been affected by a Natural Disaster hurricane Francine, and this debt reflected on my credit reports is impacting my ability to rebuild and get back financially stable. Ive asked this company to delete/remove this debt, without any response.

I also want to notify this company that my personal information has been exposed in several data breaches, and in the dark web. Ive have submitted two complaints for identity theft with the Internet Crime Complaint Center, where my bank accounts was compromised/money stolen. Ive attached the complaint information sent. 

I wish for this debt to be removed immediately from my credit reports, and all contact ceases.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE 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 2024-10-15 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: TN

Complaint narrative:
My previous Mortgage from XXXX doing business as XXXX XXXX is verifiably closed as of XX/XX/year>. 
Equifax is the only major credit bureau that still has this account as active and opened on my credit file. Even XXXX and XXXX correctly identify this account as closed and Paid In Full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I attempted to withdrawal {$6200.00} from my Marcus savings account to my linked XXXX XXXX checking account on XX/XX/XXXX. The transfer was accepted without warning. I logged into my account this morning ( XX/XX/XXXX ) to see that the transferred was reversed without warning on XX/XX/XXXX. When I called Marcus, they could not tell me why the withdrawal was reversed but said I should be able to transfer it now. I tried again and it wouldn't go through. I called Marcus back and they said that my wife, a joint owner had to call them and speak to them. My withdrawal was reversed without my consent and without communication. Now, my money is being held XXXX by Marcus, I'm racking up fees with bills that I owe and can not pay because I can not access my money. My wife will call when she is able. Even then, I'm being told it could take XXXX days to clear a transfer even though I initiated it last week. I don't think Marcus should be allowed to hold my money XXXX like this. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-10-15 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: OH

Complaint narrative:
I have now attempted a few payments while during forbearance with Aidvantage, and despite electing to have me always be billed for my full monthly due amount despite any extra payments, I can not target specific loans. 

My understanding is both loans are uniquely payable, and I am uncertain why they are preventing me from being able to target a specific loan without advancing my due date outside of predatory means to slow my payment schedule.

I would like to have this addressed as a product feature, as it should be available as it stands today. ie. I should be able to : 1. target a specific loan for an extra payment ( a payment made after the original amount due is covered ) 2. this should not change the next month 's due date or amount due as this is static per loan ( meaning it won't advance my due date )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: OH

Complaint narrative:
XXXX issues. TransUnion disputes. XXXX. XXXX. Dispute prior and removed. A same as cash loan. Paid in full. Business wanted to overcharge me for a billing issue as their clause is if any billing issues then same as cash voided and want paid above same as cash option. XXXX purposefully messes up billing to try to gain funds over the same as cash option. Prior dispute TransUnion removed. I disputed again XXXX times after because placed back on wrongly and old age and billing issue as stated above dispute refused by TransUnion. Over XXXX XXXX XXXX. 
XXXX. Had a same as cash loan XXXX. XXXX purchase. High price due to shortages. XXXX mishandled on my credit report balance and payments. Reported under a different source also XXXX XXXX. From what I paid and how many times I paid to XXXX under billing on their website it was paid in full. XXXX or XXXX refused to correct or remove from report. TransUnion would not remove or make them correct. Wrongdoing by all parties. By law reports MUST be accurate. No one will adhere to 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 non-monetary relief
Consumer complaint received 2024-10-15 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:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE 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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
A cease and desist order was submitted to Resurgent Capital Services L.P./LVNV Funding LLC . According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a consumer report is a medium of communication and thus subject to cease and desist requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal 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 explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
On XX/XX/year> I was denied a new personal checking account based upon information from " Early Warning LLC '' and their consumer reports. After researching this report and information, I attempted to reach out to the company to request a copy of my report. Despite listing business hours at Monday-Friday, XXXX MST, I was sent to voicemail repeatedly when calling their XXXX number, XXXX this morning, XX/XX/year> at XXXX MST. 

Given the seriousness of their area of business, it is unacceptable that they are not answering calls during stated business hours. I have a right to know what's in my report, and this lack of transparency in operating hours is prohibiting me from exercising that right.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: FL

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 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 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

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 2024-10-15 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:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE 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 explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal 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 explanation
Consumer complaint received 2024-10-15 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: MD

Complaint narrative:
XXXXXXXX XXXX {$3200.00} on XX/XX/XXXX This IS NOT my account, I was added onto this account and had no knowledge, also I've been requesting to be removed from this account since I first noticed being on it in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XX/XX/XXXX{$3200.00} on XX/XX/XXXX This IS NOT my account, I was added onto this account and had no knowledge, also I've been requesting to be removed from this account since I first noticed being on it in 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 2024-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: NM

Complaint narrative:
My Business XXXX XXXX had and account with Wise payment service But suddenly they closed my account while my balance on their custody in the amount of XXXX XXXX. They have yet to send the remaining funds, After some emails back and forth wise said no longer have my money. It's been 18 day 's no update was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I was scheduled to close on buying my first home in XX/XX/XXXX. XXXX found a defaulted student loan I was unaware of, and I am unable to purchase the home. I spoke with my loan servicer at that time who informed me that they had been sending letters and calling. I had not received any of these. I verified the mailing address. They had on record a Florida address. I live in XXXX. They had a XXXX phone number ; I am in XXXX. I was told the information was changed via phone. In XX/XX/XXXX, I notice a XXXX XXXX XXXX XXXXXXXX XXXX my credit report. My wife does a change of address request through USPS which confirms it did exist. This was the same address who was on my student loans. I requested my information from the student loan servicer and am sent somewhat helpful information which I lost while moving. I attempted to request a copy of the same information and am getting the runaround. I have called every company related to my loans, but they all tell me they sent my records with the consolidation. This happens with XXXX servicers. Finally, I talk to someone who reports to me that at that moment my address in their computers was the XXXX  address still. I ask them to leave the address as it is and request the documents and it seems as though this lady understood but I did not receive my documents. She told me to call Navient. So, I call Navient and request the records and I am denied. I find an email address to request records, and I am told I need a subpoena to receive a copy of my own personal records. I am working on obtaining a subpoena but do not feel like I should have to since I have received the information before and am only requesting a copy of that same information and it is for my own personal records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: NC

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I have incorrect account information on my report. Please remove this account from my report, it is 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 explanation
Consumer complaint received 2024-10-15 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: MD

Complaint narrative:
XXXX {$1500.00} on XX/XX/year> Item was found to be inaccurate and was removed from XXXX XXXX but XXXX and Equifax refused removal

Company response to consumer: Closed with explanation