vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

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 2023-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX, I purchased solar panels for my home through the XXXX XXXX offered through XXXX XXXX  XXXX ; my mortgage servicing company is Select Portfolio Servicing, based in XXXX XXXX XXXX, Utah. My initial servicing company was XXXX XXXX XXXX XXXX, but the loan was sold to Select Portfolio Servicing in XX/XX/XXXX. As part of my contract, my solar panels would be paid for by adding payment for the panels to my house payment ( $ XXXX. ) The first payment addition would be due to begin in XX/XX/XXXX. On XX/XX/XXXX, I prepaid in full for the solar panels to XXXX XXXX XXXX in XXXX XXXX, CA. The amount paid was {$50000.00}. 

My issue with Select Portfolio Servicing is the following : Select Portfolio Servicing is wrongly assessing charges and late fees for property taxes {$6300.00} for the solar panels after I paid off the bill. My property taxes are paid through my mortgage servicing company. I believe Select Portfolio is billing me based on old tax information. I have tried communicating many times with Select Portfolio Servicing but to no avail

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a few concerns about inquiries on my credit report. Is it true that in order to pull someones credit report you need permissible purpose to do so? If that is the case, then these company below pull my credit report without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
It appears that my loans has been updated with the IDR waiver but I noticed a few mistakes. 
First, my 2 consolidation loans did not get the updated counts added to them, because of the PSLF waiver all of the loans should be at the same count. I had 24 ineligible payments on my original loans before the IDR update but those ineligible payments were not shifted to the consolidated FFEL loans as promised, the ineligible payment on those loans have been sitting at 0 since the PSLF Waiver was applied. Now the counts are not equal I am worried that this may result in hanging loans & two different pay off times when before consolidation and before the IDR waiver all counts were the same. I have pointed this issue out several times but the ineligible counts have not been updated and it appears my fears are happening. 

There is also some deferment and forbearance months that are still on my account. I never requested either and I qualified for a {$0.00} payment plan during this time. My tax returns for this time have been submitted to DOE as proof of this in the past. Also, I was told that one of those deferments is coded as an unemployment deferment when my employment is certified for this time. 

Ineligible payments from XX/XX/2013 - XX/XX/2013 is coded as an unemployment deferment when I was employed. My XXXX has been approved for this time. 
Ineligible payments XXXX is coded as a hardship deferment. The IDR waiver says that time hardship deferments should count towards PSLF. 
Ineligible payments XXXX is a general forbearance that was for some reason not counted but I am unsure why. 

I would like to add that I did not request any of these deferments or forbearances. During all of these periods I qualified for and was told that I was in a {$0.00} payment plan. I asked for phone records from XXXX ( my servicer at the time ) to prove this but was told they do not exist. 

I also have 6 months of grace period that I did not need - I will replete that I qualified for a {$0.00} payment plan for that time and my XXXX during that time is on file and approved. 

I also have 4 years coded as in school even though I worked full time while going to school full time and was told by XXXX XXXX ( my servicer at the time ) that my time in school would count towards PSLF - again was told my payment was {$0.00}. They failed to have me fill out a deferment letter but XXXX ( my servicer at the time ) had the form to retroactively remove the in school status- this was approved - but those 4 years were never added to my account. 

Its just exhausting. Ive worked in public service for well over 10 years and have never even had a late payment when my payments were no longer {$0.00}. It is unfair to be punished for multiple servicers mistakes. 
Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
In XXXX of 2022 I started receiving harassing phone calls daily from a collection agency on behalf of Att mobility. However I do not owe them anything. I actually have proof of them owing me and having to refund my husband 's account. I disputed this through XXXX and weeks later I received notice that the account was removed/deleted from my credit report. This was in XXXX of 2022. In XXXX of 2022 I received notice that this so called debt had been added to my report through another collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned of : 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 2023-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: IN

Complaint narrative:
I have been speaking to XXXX in XXXX XXXX about receiving a new check XX/XX/XXXX. She said she has a supervisor verify that the check I was mailed, back in early XXXX for closing my account hasn't been cashed. Meaning that US Bank still has my money. ALL I am asking is that I get a new check made out for 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 2023-01-05 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: FL

Complaint narrative:
I received a copy of my credit report and I have found the following items listed below to be in error. 

Pursuant to 15 USC 1666b 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 NEVER gave You, Experian any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due tothe abusive and unfair practices.

You, Experian, should be ashamed of yourself for ASSUMING this role and position to constantly commitfraud and cause harm to consumers!

These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS orPAID AS AGREED.

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 2023-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX 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 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 2023-01-05 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: NC

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
On XX/XX/2022 I contacted Credit Control Corporation by phone to attempt to pay a debt equalling {$560.00} from XXXX XXXX that I was never given an opportunity to pay before it was sent to collections ( separate issue ). During the call I asked if the debt could be settled for a lesser amount and they offered {$420.00}. With fees, the total came to {$420.00}. 

I was told that Credit Control Corporation would delete the trade lines on my credit reports " on XXXX  '' and that it may take several days to come off. Instead, they only reduced the amount owed to {$140.00} and the account remains open. I disputed this transaction with the three largest credit fascists and Credit Control Corporation reaffirmed the debt instead of complying with what they stated. 

The reference number for my phone call is XXXX and my account number is XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-01-05 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST

REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDE R 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHO
UT MY WRITTEN INSTRUCTIONS.

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 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
It seems like every year the credit bureaus removes all of my history rating data and every year I have to come back and file a complaint in order for them to fix it. I have contacted the creditors, XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX Department of Education by way of the student loan database to see if anything has changed and it has not. All account have been reporting through the national student loan database since 2004, while reporting all transfers and consolidations, as " paid consolidated accounts '' the credit reporting agency has the status as multiple statuses not matching what is being reported by the creditor. I have consolidated 6 times since 2004 with the last 4 consolidations being removed by XXXX, Equifax and XXXX. Now they are removing my history ratings from those installment loans and am being givin a hard time for them to put the information back. That is close to 20 years of installment loan history removed from my credit report and the loans are NOT CLOSED!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
It seems like every year the credit bureaus removes all of my history rating data and every year I have to come back and file a complaint in order for them to fix it. I have contacted the creditors, XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX Department of Education by way of the student loan database to see if anything has changed and it has not. All account have been reporting through the national student loan database since 2004, while reporting all transfers and consolidations, as " paid consolidated accounts '' the credit reporting agency has the status as multiple statuses not matching what is being reported by the creditor. I have consolidated 6 times since 2004 with the last 4 consolidations being removed by XXXX, XXXX and Experian. Now they are removing my history ratings from those installment loans and am being givin a hard time for them to put the information back. That is close to 20 years of installment loan history removed from my credit report and the loans are NOT CLOSED!

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 2023-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
On XX/XX/2022 I sent a certified letter that was received by the company Medical Data Systems to verify a debt that was on my credit report that I was unaware of. As of today I have not received anything in writing verifying the debt. I have asked that the information be removed from my credit report since they failed to verify any of the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One refuses to respond to my letters I've sent to them regarding this issue. Now they are threatening to close my account. They also sent me some bills with a few errors on the bills.Ive requested the real accounting to this account and Ive also requested a cease and desist on this account. Ive been trying to resolve this matter for over 6 months. Can you please assist me with finding a resolution?

Company response to consumer: Closed with explanation