vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-23 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: KY

Complaint narrative:
I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXXXXXX 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 explanation
Consumer complaint received 2024-01-23 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: EQUIFAX, INC.
State: KY

Complaint narrative:
I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: GA

Complaint narrative:
I have been paying {$520.00} towards my 7 XXXX student loans, serviced by MOHELA, through their auto-debit service since XX/XX/XXXX. 

My owed payment each month is {$220.00}. 

My XXXX payment was applied to all 7 of my loans ' interest and principal as expected, but the XXXX and XXXX payments were only applied to the XXXX unsubsidized loans ( notated as loans 5, 6, & 7 on my account ). This allowed interest to accrue on the other 4 loans unpaid. 

On Thursday, XX/XX/XXXX I noticed this issue and contacted MOHELA at XXXXXXXX EST. 

The service representative confirmed that what I saw was occurring incorrectly, and after 50 minutes of investigation by her supervisor could only say that the payments were applied incorrectly and that it would not happen again going forward. 

I asked to speak to the supervisor who did the investigation as the explanation that they simply weren't applied correctly was unacceptable, as I have been paying more than double the payment amount and no loans or interest should be going unpaid. 

When 'transferred to the supervisor ' I encountered an automated message that no supervisors were available. 

I have had multiple loan servicers since I entered repayment in XXXX and have been paying more than my payment amount for years so I am 'ahead ' of the payment schedule. Despite this, each servicer before MOHELA has correctly applied my payments to owed loan interest first, owed principle payments second, and then applied the excess to loan principle. Previous servicers have even had a helpful form when setting up auto-debit for the borrower to choose how to apply that excess, for instance, to the higher-interest loans. MOHELA does not. 

When student loan repayment restarted with MOHELA in XXXX, I spoke with MOHELA on the phone to ensure that auto-debit payments would be handled in the same manner as my previous servicers and was assured that they would. 

This 'error ' on their part has allowed more than {$170.00} of unpaid interest to accrue on the 4 loans that have not been paid into since XXXX. 

Despite their assurances this will not happen again going forward and admittance that this was an error on their part, nothing was explained or offered to resolve this issue. Asking to speak with a supervisor simply sent me into an automated system and survey. 

This is a gross and unacceptable payment handling error on their part that has financial ramifications for me and likely many other borrowers affected by the same errors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2024-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Citibank like many other credit cards are offering cash back offers to incentivize customers to use their card to purchase from specific merchants. I've used this across many credit cards with little to no issues. Citibank is the outlier. There used to be a tab in the app and online that showed what programs you were enrolled in and what you had qualified for, that went away. I was signed up for a XXXX XXXX offer, that unfortunately did not take screenshots of, because I actually trusted them. I made the qualifying purchase, spent hours and hours on the phone arguing about it only to give up. I also signed up for a promotion to get {$30.00} back after spending {$350.00} in hotel purchases, never received this credit. I believe there is a systemic issue in their merchant offer programs. It's deceptive to say the least. I want an explanation as to why I can not track my cash back like I can with other credit cards and why I have to spend hours of my time trying to get an answer.

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 2024-01-19 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: CAVALRY INVESTMENTS, LLC
State: VA

Complaint narrative:
I reported that a collection agency, Calvary Portfolio Service was reporting my information that was over 12 years. I dont recognize the values since it was closed nearly 12 years ago but under fair reporting, this should not even be listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2024-01-18 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: BANCO POPULAR DE PUERTO RICO
State: TX

Complaint narrative:
This is my final communication regarding your claim that the information below has been verified and that the information being reported is accurate. You are clearly furnishing inaccurate information for the " date last active ' and 'date last reported '. I have already informed your company of this error and you have yet to remedy this. ELOAN re-aged account XXXX. Re-aging is when a debt collector changes the date of last activity on a debt to a more recent date than is accurate. I will include a copy of my credit report to show the inconsistent dates. I have already given you a chance to fix this now I am demanding that the account is deleted from my credit report due to illegal reporting. Disputing a debt is not considered activity on the account. Falsifying account information like this is a violation of the Fair Credit Reporting Act. If this account is not removed within 14 days, I will seek the possibility of hiring a consumer attorney. I'm quite sure your CEO OR VP don't want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
I moved in XX/XX/XXXX so from XXXX I was on a month to month lease and the lease was not in affect until XX/XX/XXXX! I never terminated the lease because it never started! On XX/XX/XXXX I called and stated I could not afford to stay there anymore prior to the lease going into effect which the lease was for XX/XX/XXXX I moved out and forfeited my security deposit of {$1000.00}. There were no damages and a few things left to be cleaned out which should have been covered by my forfeited security deposit. The property XXXX XXXX threatened that my credit would be affected even though I paid a prorated amount of {$380.00} and moved out before the next payment was due. There should be no reason I owe anything. I checked my credit today and seen a collection balance of {$2700.00} for XXXX XXXX XXXX. I contacted her to tell her that I cant live there anymore! They cant just charge me money that I do not owe. I packed everything I could along with my XXXX children INSIDE A VAN and left! I could not obtain steady employment and I communicated this with her and she told me the owner isnt going to like this and is going to find something to charge me with. That is exactly what they did! This is a violation of FCRA!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: NJ

Complaint narrative:
Subject : Request for Removal of Illegally Obtained Accounts from Credit Report. 

XXXX XXXX XXXX XXXX. Account # : XXXX. Account # : XXXX. 
XXXX XXXX XXXXXXXX XXXX, Account # XXXX. 
Dear : CFPB I am writing to bring to your attention a matter of utmost importance regarding my credit report. I recently discovered that my personal information, compromised during the Equifax data breach, has been sold and bought illegally. Equifax has acknowledged my status as a victim of this breach, yet no action has been taken to rectify the situation. 

I am attaching proof of my victim status as documented by Equifax. I kindly request your immediate assistance in removing the unauthorized and illegal accounts from my credit report. The continued presence of these accounts is causing significant harm to my financial well-being. 

I Attached Document in file Proof of Equifax Data Breach Victim Status I urge you to investigate this matter promptly and ensure the removal of the aforementioned accounts from my credit report. Your cooperation in resolving this issue promptly is greatly appreciated. 

Thank you for your attention to this matter. I expect a swift and satisfactory resolution to this situation. Please provide confirmation once the unauthorized accounts have been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 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: NJ

Complaint narrative:
I am a victim of identity theft. Multiple accounts have been opened in my name and are negatively impacting my credit. Below I have listed the fraudulent accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please help me to remove these accounts from my 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 2024-01-18 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: GA

Complaint narrative:
I am filing a formal complaint against Transunion, XXXX of the major credit reporting agencies, for apparent violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ) and 15 USC 1681i, Section 611. Over the past several weeks, I have been actively disputing inaccuracies on my credit report with both XXXX and TransUnion. Despite my continuous efforts and communication, I have observed persistent discrepancies that have not been addressed appropriately. 15 USC 1681e ( b ) : Under this section of the FCRA, consumer reporting agencies are required to follow reasonable procedures to assure the maximum possible accuracy of the information in a consumer report. It appears that TransUnion has failed to adhere to these reasonable procedures, as the inaccuracies on my credit report have not been rectified, causing significant harm to my creditworthiness. According to this section, a consumer reporting agency is obligated to conduct a reasonable investigation into disputed information within 30 days. Despite disputing the information on my credit report for an extended period, TransUnion has not provided me with a description of the investigation process, as mandated by the FCRA. I will kindly request that the Office of the Attorney General investigate the actions of TransUnion concerning my credit report. Specifically, I am seeking assistance in ensuring that this agency adheres to the provisions of the FCRA, promptly conducts a thorough investigation into the disputed information, and provides me with a detailed description of the investigation process as outlined in Section 611. I appreciate your attention to this matter and trust that the Consumer Protection Division will conduct a thorough investigation into the alleged violations by XXXX and TransUnion. I look forward to a prompt resolution to rectify the inaccuracies on my credit report and that both credit reporting agencies comply with federal law.

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 2024-01-19 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:
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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 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: PA

Complaint narrative:
Ive attempted to contact Transunion numerous times to alert them that I do not have a contract with XXXX XXXX XXXX, and that is not my address. They refused to remove it after I explained that it was harming my credit. I alerted them that I would pursue damages as well for violating FCRA laws governing consumers.

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 2024-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia
State: NC

Complaint narrative:
On XX/XX/2023 I sent a debt validation letter to Credit Control Corporation to the address listed on my credit report. I don't recall receiving notice. I don't recall giving XXXX XXXX permission to release my medical information to a third party. I requested that they send me everything that XXXX has already sent them to prove I owe this debt. The amount they are claiming and that I owe them. I asked for some sort of agreement bearing my signature. 

When I did not receive a response. I sent a letter to XXXX, XXXX and XXXX XX/XX/XXXX  requesting they investigate. I also pointed out a number of inconsistencies. XXXX responded back to me at the address I used to send my letter saying they were not going to investigate because they don't believe it was me!!! XXXX said the same thing. The letter responses are a violation of my right to an investigation. XXXX did not respond at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: TN

Complaint narrative:
Yes, Transunion was sent a letter from the Internal Revenue Service ( IRS ) that an ( XXXX XXXX XXXX ) account of a balance {$100.00} was cancelled per its 1099c! transition still reported this account as a delinquent collection account and could not verify this account. 
Transunion is also in violation of Federal law 15 USC 1681 ( B ) permissible purpose by reporting an account without the consumers consent. This account is also a violation of a private trust on record with the United States Secretary of State office, said trust name is XXXX XXXX XXXX a Private trust that transition has used its likeness and image this said trust is copyrighted XXXX XXXX XXXX. Transunion must remove this collection account immediately or face copyright infringement they have 5 business days to respond.This company has also violated federal law 15 USC 1681 ( I ) procedure in case of disputed accuracy and 15 USC 1681 ( C ) 5 Treatment of inaccurate or unverifiable information. This account is unverifiable because it has been cancelled by the i.r.s and discharged per private Trust on the record. Remove collection account XXXXXXXX XXXX XXXX {$100.00} now.

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 2024-01-19 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: CA

Complaint narrative:
I have reviewed my consumer report and noticed a charge off from XXXX XXXX the open and close dates are different across all accounts the dates will be provided in attachment. The information has not been verified and it has not been permitted by me nor does it have a signature to be placed on their platform below I will send you a printout of the account on my report showing all the wrong information and is completely inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to you today with a sense of urgency and frustration regarding the erroneous information currently tarnishing my credit report. Unfortunately, it seems that my pleas for resolution have fallen on deaf ears, necessitating this assertive communication. As my earnest pleas for resolution regarding the inaccuracies plaguing my credit report seem ignored. I want to underscore that I am not just a statistic but a victim of identity theft, demanding immediate and resolute action. According to FCRA Section 605b, you are obligated to swiftly remove/block any account listed on an identity theft report. Enclosed are the necessary documents for expeditious action. The accounts in question, including 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, demand your immediate attention. FCRA Section 605B ( a ) mandates Experian to block such information within 4 business days. Immediate and unwavering compliance is not just expected ; it is demanded for the rectification of these rampant errors.

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 2024-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
They are trying to reach someone we don't know at our phone number. We have told them we don't know the person and to stop calling us. The calls keep coming.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: SC

Complaint narrative:
The following accounts are unverified and unauthorized accounts. I have no knowledge of the following : XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX  XX/XX/2021. According to the FCRA, these unverified and unauthorized items must be removed.

Company response to consumer: Closed with explanation