vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-14 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: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX  It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: MOHELA
State: VT

Complaint narrative:
I have been in and am eligible for income based repayment since I XXXX  in XXXX. I logged into my account recently and found MOHELA had taken me out of IBR and put me in level payment raising my payment from {$400.00} to {$1100.00} ( after no changes by me re : my income ). One loan was put into SAVE, all other in LEVEL. They are all eligible for SAVE or income contingent repayment per Studentaid.gov, and my payments should be between XXXX and XXXX depending on if I choose SAVE or ICR. On level ( again their mistake ) my account would be immediately overdrawn if this amount was debited, but if I remove my account, I lose my .5 % decrease in interest for having auto-debit. I called and the person I spoke to XXXX told me this is happening to a lot of people. She could offer not solution other than for me to reapply and if they can't process it before repayment, which they said they can't, I will be in administrative forbearance, which over the long run obviously costs me more money as my loan is accruing interest while Mohela " figures it out '', enriching them in the long run. Great little scheme if that's what they're doing on scale which it seems it is since their rep actually just said that. And after speaking to them, all I got was a letter saying I'd been put in level payments. Are you kidding me? They have offered NO solutions for their mistake and I'm the only one who suffers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: TX

Complaint narrative:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 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: IL

Complaint narrative:
Transunion violated the Fair Credit Reporting Act due to improper use of my Transunion credit report for purposes not allowed by law, due to failing to uphold the obligation to remove from my Transunion credit report any accounts placed for collection or charged to profit and loss which antedate the report by more than seven years, per [ 15 U.S.C. 1681c ( a ) ( 4 ) ] and [ 15 U.S.C. 1681c ( a ) ( 5 ) ].

Transunion failed to uphold the duty to remove both accounts from my Transunion credit report : DEPT OF ED/XXXX  ( XXXX XX/XX/XXXX ) and DEPT OF EDXXXX ( Opened XX/XX/XXXX ) which per [ 15 U.S.C. 1681c ( a ) ( 4 ) ] Transunion held a duty to remove both after the date of XX/XX/XXXX at the latestas both accounts are now nine years and eleven months oldand so, are too old to still be reflected in my Transunion credit report, and per [ 15 U.S.C. 1681c ( a ) ( 4 ) ] and [ 15 U.S.C. 1681c ( a ) ( 5 ) ] of the Fair Credit Reporting Act, shall be removed from the Transunion credit report, due to both DEPT OF ED/XXXX accounts that were opened in XXXX of XXXX antedating the Transunion credit report by over seven years.

This complaint is an effort for Transunion to be compelled to remove all accounts that antedate seven years from my Transunion credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am requesting that XXXX XXXXnot hold me liable for fraudlent charges I am a victim of identity theft I explained to the card holder that I would only be paying for my items that I actually purchased however they denied that and informated that if i made an a payment during the investigation that the cybercriminals would have access to so they then maliciously reported mye 90 daus late which is impossible they are violating my consumer rights and they need to update the credit reports according because I would ot because they are holding me liable for charges that area fraudlent. 

I am requesting that XXXX XXXX listen to their recordings and acknowledged there terms and condition because I am protected unters ther zero liablity protection and I have another service to product to repair my identity and they have not been at all cooperative or understanding that all the devices where compromised by a hackwer who then gets someone to rob be of those said devices and its whithin these devices my digital Identity has suffered

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I am requesting that XXXX XXXXnot hold me liable for fraudlent charges I am a victim of identity theft I explained to the card holder that I would only be paying for my items that I actually purchased however they denied that and informated that if i made an a payment during the investigation that the cybercriminals would have access to so they then maliciously reported mye 90 daus late which is impossible they are violating my consumer rights and they need to update the credit reports according because I would ot because they are holding me liable for charges that area fraudlent. 

I am requesting that XXXX XXXX listen to their recordings and acknowledged there terms and condition because I am protected unters ther zero liablity protection and I have another service to product to repair my identity and they have not been at all cooperative or understanding that all the devices where compromised by a hackwer who then gets someone to rob be of those said devices and its whithin these devices my digital Identity has suffered

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Westlake Services, LLC
State: FL

Complaint narrative:
The social security number that they have on file isnt mine. I tried to contact the company via phone and also sent more than 10 emails and none were responded. I have been trying to resolve the problem for over 4 months but without success. 

I need them to correct the social security number on the systems to start reporting my credit. 

Please help me

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 2023-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to dispute the dismissal of my request to correct inaccurate information in my TransUnion credit file. According to Section 611 of the Fair Credit Reporting Act, TransUnion must lawfully reinvestigate disputed items if a consumer directly requests it. 

However, instead of honoring my consumer right under federal law, you sent a form letter implying I did not properly submit my dispute. This violates the FCRA, as confirmed by the 7th Circuit Court 's Gillespie v. Equifax decision. I submitted my dispute to TransUnion directly, so you must address it. 

Additionally, TransUnion failed to provide written results of a reinvestigation within 5 business days, violating Section 1681i ( a ) ( 6 ). You also left unverified, disputed information in my file rather than deleting it as mandated by Section 1681i ( a ) ( 7 ). 

I expect TransUnion to now conduct a lawful reinvestigation into the inaccurate information I disputed, including verifying disputed accounts directly with the source as required. If you can not verify the disputed accounts, they must be deleted from my file. 

If TransUnion continues to disregard my rights under federal law, I will pursue legal action citing willful noncompliance with FCRA requirements. I have attached supporting documents. Please ensure TransUnion complies with FCRA reinvestigation rules to resolve this dispute. 

Thank you, 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 2023-09-14 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: FL

Complaint narrative:
I sent a letter out to XXXX, XXXX and Experian on XXXX XXXX However its been more than 30 days and they havent sent me the investgation According to the law 15 usc 1681 they should conduct a investgation to see if its accurate or inaccurate withun 30 days or the account should be deleted.

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 2023-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Dovenmuehle Mortgage, Inc.
State: OR

Complaint narrative:
I was approved for a CARES Act COVID forbearance for XX/XX/XXXX to XX/XX/XXXX. 
On XX/XX/XXXX I asked for an extension of this forbearance, which was approved. 
Later DMI recanted the forbearance extension ( XXXX  XXXX  ). At this time I was required to pay the payments paused during forbearance IN FULL. This violates the CARES Act. 

Im response to my previous complaint they specifically avoid addressing this major complaint as it violates the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NCB Management Services Inc.
State: VA

Complaint narrative:
NCB contacted me and my mother both separately about her supposed debt, and did not identify who they were collecting for or that it was a collect call. The caller was rude and incredibly testy, stating that he could not discuss the business of the call with me until mom cleared it. In short- they were attempting to hide the nature of the call, and grew angry when they could not maintain secrecy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: LA

Complaint narrative:
The balance on this account is incorrect and hasnt been updated per my request the I thought the fair debt collection act was supposed to protect me for company reporting however they want

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 2023-09-14 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: IN

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Transunion, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-09-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: AZ

Complaint narrative:
With the new IDR forgiveness program, I received a letter that my loans should have ended in XXXX, since with the program after 20 years of paying the remaining balance is forgiven. I am due a large refund check, over XXXX XXXX but nobody can tell me when I will receive that. I have been tossed back and forth from my loan servicer to the US Department of education multiple times, let alone how long Ive had to wait on hold each time, with no resolution. No one has an answer. Aside from that, the US Department of education should have to pay us interest on the refund amount. My loan payments shouldve ended back in XXXX and here we are in XXXX, thats seven years that my money was held. Why shouldnt they pay interest? If it was the other way around, I would have to pay them interest on the balance, so how is this any different? This is unfair to people who signed up for this program and have been deceived all these years where weve struggled to make payments and come to find out now that 7 yrs ago my balances should have been erased. Just getting our money back isnt good enough, its not right! We should be paid back interest at the very least!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: TX

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-09-14 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 initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-09-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Albert Corporation
State: FL

Complaint narrative:
I had paid back my advance which they got the money back and was able to get another advance for XXXX dollars my account was overdrafted but if I look at ally transactions there's nowhere stating that XXXX in overdrafts anywhere that they til me to look at I've sent all screenshots of my account to them and u can see that no where on my account shows where and why my account is now XXXX for XXXX loan that was paid back I asked for my account info showing me a breakdown they keep telling me to look I have and nothing is there showing any breakdown of this so called transaction it's making no sense when u look at it it shows i paid it .pls help I feel lile they dont wan na help fix the problem.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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