vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-12-28 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: SC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-12-28 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: SC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Braviant Holdings, LLC
State: OK

Complaint narrative:
Individual named XXXX called me from this number asking me to confirm personal information without telling me the purpose. After I asked him what the purpose of the call was, he told me the call was about pending litigation against me due to a personal loan. I told him I wasn't familiar with it then he said the loan company named Balance Credit was familiar with me. I tried to ask again what it was about and he told me I need to work on my comprehension skills, I told him not to call back. I then called him back basically to confirm it wasn't from a robo call or false number and during the conversation he again told me he was trying to confirm litigation towards me and a recommendation against me in XXXX XXXX. This seems highly illegal and he tried telling me it's legal in every state then basically hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Certegy Holdings, LLC
State: VA

Complaint narrative:
I have tried to cash checks on different times and different amounts from my insurance company and my payroll at different stores I have tried to open a bank account and was denied these services due to certegy reporting to the vendors and this has impacted my financial business and getting a bank account and a checking account.I have spoken with certegy on a number of times and been told the same story the check did not meet their criteria for cashing which is not true different insurance companies different amounts and a different vendor and they at certegy denied each check but the letter I received from certegy had nothing outstanding on it record this has impacted my financial business.I have explained Im in a bankruptcy and they were notified and they need to fix what ever they have in their system theirs nothing there they claim.But yet they keep denying my checks.please help

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 2022-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IN

Complaint narrative:
I had student loans for grad school and XXXX through XXXX. I have been working as a XXXX XXXX XXXX XXXXXXXX XXXX since XX/XX/XXXX, which is a non-profit legal assistance law firm ( provides legal assistance to low income people in civil matters. ) Believing that I should qualify for 8 years of payments ( approximately XXXX of the required XXXX payments ) under PSLF, I applied for such before the XX/XX/XXXX deadline. I was required to consolidate my XXXX and grad school loans with Mohela to do this. I would never have consolidated these loans, except to get the PSLF ( my XXXX interest rate was very low ). Now, my loans are consolidated with Mohela, and I was approved for PSLF, but it is showing XXXX qualifying payments. Their website shows my PSLF application was processed on XX/XX/XXXX on the " documents received '' screen. My employer and I filled out the document correctly. ( Or if we did not, I never received any notification from Mohela that we did not. ) The only payments that appear to count, per their website, are the 4 since consolidation. It also states that it needs employment certification, but it processed that certification on XX/XX/XXXX. I should have about XXXX qualifying payments. This mistake if it stands will cost me over {$100000.00}. I submitted a question to Mohela and received a response on XX/XX/XXXX that I must call their XXXX. They did not attempt to reach out to me or to fix the problem. The same thing happened to my husband who XXXX XXXX at a XXXX XXXX He will make a similar complaint also.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.

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 2022-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: SC

Complaint narrative:
On XXXX  XX/XX/XXXX I opened an email from US Bank telling me to activate my credit card account ending in [ 4 digit number ]. The email was time stamped XX/XX/XXXX at XXXXXXXX XXXX and came fro XXXX. I called the number in the email : XXXX XXXX to let them know I had not applied for any credit card with US Bank in the last 18 months. They asked for my social security number and I refused to provide it. They asked for the account number and I gave them the [ 4 digit number ] provided to me in the email. They said they needed the whole account number. I explained I don't have one and asked they look that up with the data they had sent me in the email which was my former name " XXXX XXXX '' and the [ 4 digit number ]. They said they had to have my social security number or the 16 digit credit card number. I refused to provide by social security number. The lady at that number said I would have to call back M-F, XXXX XXXX XXXX XXXX XXXX  CT. Seriously, I asked? I'm trying to report a fraud and you want me to call you tomorrow between XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT?? She got annoyed, was rude and hung up on me. There is an email address in the email to use so I did : XXXX. I emailed them on XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX I received a letter via XXXX providing the same [ 4 digit number ] and REF number : XXXX. This letter has my former name and a former address and says " we are concerned that the information on the application may not be accurate or that you did not apply for this credit card ... '' Provides another phone number XXXX XXXX and says " specialists are available from XXXX XXXX XXXX XXXX XXXX XXXX '' M-F. I called them again on XX/XX/XXXX. They were rude again. I emailed them again. The two emails and their letter are in the attachment.

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 2022-12-28 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: SC

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


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the 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 2022-12-28 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: Experian Information Solutions Inc.
State: SC

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


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the 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 2022-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Approximately 9 months ago I was added to my significant others checking account, the person assisting asked if I wanted to open a savings account as well, I said yes. 2 weeks before XXXX, after the accounts were all used for 9 months a transaction from navy federal out of my savings account totaling {$500.00} wiped the savings account completely out. After attempting to get answers for 3 days via phone, and in person it was concluded that they didnt know and that it was from a charge off account but it was so long ago they could not obtain information. I initiated a dispute to the bank for the prior account ( the only account I had ever had there prior was a joint account which they were very adamant this account was not ). I disputed ever having my own account in 2013, since I was not authorized to have my own account there with this company considering I was no longer affiliated with the XXXX. The only information provided to me, despite numerous requests to provide proof/documentation that they were authorized to blindly wipe out my account, was that there was a balance of {$650.00} from a charged off/closed account in 2013. ( 10 years ago ) I initiated disputing ever owning my own account, and the knowledge of any of this, as well as inquired as to why Id be allowed to join this bank on a joint account, open a savings account, use the accounts for 9 months, before having my account wiped out without any knowledge, and without being provided proof. When I asked for proof, I was told we sent it to you. I have received nothing thus far from this bank regarding money owed, or proof that I owned a private account. I had to quickly release myself from our joint account so no more money would be taken from us ( as it was made clear an additional {$160.00} would be taken immediately once deposited ) causing turmoil 2 weeks before XXXX and funds that were supposed to be deposited. It caused NUMEROUS overdraft fees resulting in {$250.00} in fees on top of the charges that didnt go through. Financially for us XXXX and the XXXX  were ruined due to this banks inability to be professional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Account XXXXXXXX XXXX XXXXXXXX Account XXXX The account was settled XX/XX/XXXX per agreed terms. There is nothing owed since XX/XX/XXXX and nothing past due since XX/XX/XXXX. XXXX case # XXXX. 

Most recent contact with XXXX was XX/XX/XXXX. I have been told several times since XX/XX/XXXX the issue will be resolved yet false reporting and debt collection efforts continue. Credit score has been impacted negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Account XXXXXXXX XXXX XXXX Account numberXXXX The account was settled XX/XX/XXXX per agreed terms. There is nothing owed since XX/XX/XXXX and nothing past due since XX/XX/XXXX. XXXX case # XXXX. 

Most recent contact with XXXX was XX/XX/XXXX. I have been told several times since XX/XX/XXXX the issue will be resolved yet false reporting and debt collection efforts continue. XXXX XXXX has been impacted negatively.

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 2022-12-28 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: MN

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have sent numerous letters to XXXX asking that they please verify XXXX accounts that are appearing on my credit report. I have no idea what they are and have asked that they send some type of documentation letting me know what it is, if its been verified, and who they spoke with so that I XXXX get some type of clarity on these accounts. I have not received any form of communication from XXXX. I have even sent letters reminding them that they are legally obligated to complete an investigation and respond in 30 days. My letters have gone unanswered. 
I have also sent letters to TransUnion and XXXX regarding a separate account. I have not received a response to my request for verification. I have asked both agencies to provide proof that this account belongs to me or a method of verification so that I XXXX follow up. TransUnion sent me a copy of my credit report and I have not received any written documentation from XXXX verify this account. 
I have been writing each bureau since XXXX and am not getting a response.

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 2022-12-28 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have sent numerous letters to XXXX asking that they please verify XXXX accounts that are appearing on my credit report. I have no idea what they are and have asked that they send some type of documentation letting me know what it is, if its been verified, and who they spoke with so that I XXXX get some type of clarity on these accounts. I have not received any form of communication from XXXX. I have even sent letters reminding them that they are legally obligated to complete an investigation and respond in 30 days. My letters have gone unanswered. 
I have also sent letters to XXXX and Experian regarding a separate account. I have not received a response to my request for verification. I have asked both agencies to provide proof that this account belongs to me or a method of verification so that I XXXX follow up. XXXX sent me a copy of my credit report and I have not received any written documentation from Experian verify this account. 
I have been writing each bureau since XXXX and am not getting a response.

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 2022-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
1XXXX XXXX XXXX XXXX XXXX XXXX  REFUSE TO REMOVE FRAUD FORCE PLACED HOMEOWNNER INSURANCE PREMIUM {$1700.00} AND {$1400.00} OFF MY ACCOUNT ESCROW ANALYSIS VIOLATING FLORIDA STATE AND FEDERAL LAWS. 

2. XXXXXXXX XXXX XXXX XXXX XXXX PUT ME IN HARMS WAY SETTING MY ACCOUNT AS NON-HOMESTEAD. MY PROPERTY IS MY HOMESTEAD SINCE XXXX CLASSIFIED BY XXXX XXXX XXXX XXXX XXXX FOLIO # XXXX, PHONE XXXX I NEED THESE 2 URGENGT ISSUES RESOLVE ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
in accordance with the fair CREDIT REPORTING AGENCIES ARS Account Resolution acct # XXXX has violated my rights 15 U.S.C 1681 section 602A states i have rights to privacy 15 u.s.c 168 section 604a section 2a consumer reporting agency can not publish an account without my written instructions

Company response to consumer: Closed with explanation