vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-28 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: MD

Complaint narrative:
I am filing this complaint regarding a credit reporting issue involving inaccurate and unverifiable information on my credit reports maintained by XXXX, XXXX, and TransUnion. Despite my repeated attempts to dispute the validity of the account, the reporting entities have failed to provide proof of a contract or agreement that allegedly binds me to this debt.

1. Lack of Proof of Contract : I have sent multiple written notices of debt dispute to both the creditor/collection agency and the credit bureaus requesting proof of the original contract or signed agreement. However, neither the creditor nor the credit bureaus have provided any verifiable documentation to substantiate this accounts legitimacy. This failure to provide the requested information constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information reported be accurate, complete, and verifiable.

2. Inconsistencies Across Credit Bureaus : In addition to the lack of verification, the information reported by XXXX, XXXX, and TransUnion is inconsistent. The account details, including balances, dates, and statuses, vary significantly between the three bureaus. This inconsistency further indicates that the information is inherently inaccurate, violating the FCRAs accuracy and completeness requirements.

3. Inadequate Investigation by Credit Bureaus : When I initially disputed this account, the credit bureaus responded by stating that the information was " verified as accurate. '' However, they failed to provide any documentation or specific explanation to substantiate their findings. This inadequate investigation does not satisfy the FCRAs standards for resolving consumer disputes. 

See Also previous Disputes : 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 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Im confident I pay on time every month, but I dont know why this company says Im late. According to USC 1666b, errors need to be corrected, and the account should be marked " paid on time. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.

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 2024-09-28 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: CA

Complaint narrative:
I am asking for your assistance regarding this misleading account that appears on my credit report. I have raised this issue because it has harmed my reputation, and I need your help. Your poor management of my credit report has put me in a difficult position, as this false information has ruined my reputation. You must eliminate this incorrect data from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: IL

Complaint narrative:
On XX/XX/year>, I submitted a formal letter to Nelnet requesting a review and correction of my consolidated student loan amount due to significant discrepancies. The letter outlined that, according to the U.S. Department of Education, National Student Loan Data System ( NSLDS ), my XXXX aggregate loan totals are as follows : Aggregate Subsidized Total : {$22000.00} Aggregate Unsubsidized Total : {$5800.00} Aggregate Combined Total : {$28000.00} However, Nelnet has consolidated my loans into a total amount of {$41000.00}, which exceeds my verified aggregate total by approximately {$13000.00}. This discrepancy suggests that the consolidation process included incorrect calculations of principal, interest, or fees that were not substantiated by my documented loan history. 

In my letter, I provided an itemized breakdown of my subsidized and unsubsidized loans by the university, along with disbursement dates that accurately total {$28000.00}. I also included the NSLDS documentation that reflects these aggregate totals and a corrected summary of the amounts that should have been considered in the consolidation. 

I formally requested : 1. A detailed explanation of how the {$41000.00} consolidation amount was determined, including any accrued interest, fees, or additional amounts applied that were not part of my original loan disbursements. 
2. A correction of the consolidated loan amount to reflect the accurate aggregate totals based on my documented loan disbursements. 
XXXX. A formal written response from Nelnet within XXXX XXXX, outlining their findings and any corrective actions taken. 

Despite these actions, I have not received a satisfactory response addressing the discrepancy or any corrective measures from Nelnet. I am seeking assistance to ensure that the company provides a clear and accurate accounting of my loan consolidation, as mandated by the Higher Education Act and federal regulations, and corrects any errors in the consolidation amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: TX

Complaint narrative:
I disputed this debt with IQ DATA INTERNATIONAL in XXXX I sent them Letters asking them to prove that they are the original holders of the debt they have yet to provide and its been ongoing for almost for XXXX yrs and also if they did prove that the debt is mines they updated to look as if they put on my credit report in XXXX so they are also falsifying information. I want this removed my credit immediately for they are committing fraud and refusing to send me the information that I am asking for when I sent them a letter back in XXXX and once it was removed off my credit they fraudulently added it back to my credit without my knowledge and I am now looking into legal counsel to potentially sue IQ DATA INTERNATIONAL for fraudulent information thats damaging my credit report and XXXX as well for not taking this issue and matter very serious.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: FL

Complaint narrative:
I am writing to request the deletion of specific information from my file. The items I am disputing are listed in the attached report. I am a victim of identity theft, and I did not authorize the charges in question. I have reported the theft to the Federal Trade Commission, and I have enclosed copies of the FTC Identity Theft Report and Affidavit. Please remove these items from my record as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
I received a letter of alleged debt owed to this company and I have no recollection of doing business with this company a or providing contract with a signature about this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Prepaid card — Student prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Block, Inc.
State: TX

Complaint narrative:
my name is XXXX XXXX XXXX XXXX XXXX has stolen my identity and been using my social she filed taxes i was not aware of has been hacking my phone for XXXX years

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
My loan was recently transferred from PHH Mortgage to XXXX XXXX. In my notification e-mail from PHH, I was told that payments up to XXXX would continue to be applied to PHH. However, my automatic payment scheduled through PHH, effective XXXX, was not drafted. It took several days for my loan to activate at XXXX XXXX  and I unnecessarily accrued additional interest as I wasn't able to apply a payment during that period. I've asked XXXX XXXX  to backdate my payment to XXXX as a courtesy, but they've refused, asking that I contact PHH Mortgage for payment questions. 

I contacted PHH Mortgage, who then provided me with this explanation : " Thank you for messaging us. 

Our records show the scheduled draft date was on XX/XX/year>. However, if the draft date falls on a weekend or holiday or if a subsequent scheduled payment falls on a weekend or holiday, PHH will draft on the next available business day. The servicing of your loan was transferred to XXXX XXXX  XXXX on XX/XX/year>. Hence, the Autopay was not processed on XX/XX/year>. 

We are unable to assist you regarding the posting of your XX/XX/year> payment. We apologize for any inconvenience this matter may have caused. 

Message us if you have any questions or concerns. ''

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 2024-09-28 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  # XXXX XXXX # XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The personal details on my credit report are incorrect. I've attached my documents for you to update the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX # XXXX XXXX  # XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

I request that the following actions be taken immediately : Investigation of the mentioned violations.

Removal of the unauthorized accounts from my credit report.

Exclusion of any obsolete information in compliance with 15 USC 1681c ( a ) ( 5 ).

Correction of any inaccurate information in accordance with 15 USC 1681s-2 ( a ) ( 1 ).

Notification of the correction to any person who has received my credit report in the past six 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 2024-09-28 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
on XX/XX/year> the company closed my XXXX XXXX XXXX XXXX without notice or warning.

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 2024-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
I got a call on XX/XX/XXXX approximently XXXX XXXX EST, The company was Aldous & Associates, they claimed I was sent to collections by a health and fitness company called " XXXX XXXXXXXX '' which the gym was located in XXXX AZ, I canceled my membership with this gym during the fall of XXXX, when I was switching to another gym down the street, I came in person and requested to cancel my membership, I paid a " Cleaning and Cancel Fee '' ( XXXX $ ) so I can achieve this, I left the gym with the idea that it was canceled but I still was getting charged with fees and dues even after I canceled, I contacted the gym and they told me to contact " XXXX XXXX '' since all of the payments was handled with that company. I contacted them numerous times and was still getting charged, they finally stopped charging me after I had a long conversation with XXXX of their agents, the charges varied from XXXX XXXX XXXXXXXX XXXX 

Now Aldous XXXX XXXX contacted me, with a collection of XXXXXXXX XXXX  from XXXX XXXXXXXX, I got frustrated and explained to them that I had already canceled with them months ago, to which the agent who contacted me said " no you didn't and you have this amount collected '', I explained that I was going to contact an attorney to resolve this, which the agent responded with " Since you said you were going to take legal action, I can not continue to have this conversation '' he was hesitant with giving me information, I asked for his name which he responded with " XXXX '' and gave me the number of the company which my attorney can contact ( XXXX ) I searched the company up online and a lot of people has had the same issue with them, where they put a collection notice with gyms that they already paid to cancel and mess up their credit score. Im just frustrated by this and don't want my credit affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XX/XX/year>. Experian removed three wrong addresses, left two others on my credit report. It's important to me because my name was misspelled in which I had them delete that as well. I think that someone used my name with a fake address not belonging to 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 non-monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: United PanAm Financial Corp.
State: CA

Complaint narrative:
XXXX XXXXXXXX XXXX took the truck and sold it and reported they only sold it for less then it was worth in XXXX. We tried to get records of the sale and they refused to provide and never return calls. This truck was purchased XX/XX/XXXX and my ex husband made XX/XX/XXXX payment and XXXX, XXXX XXXX XX/XX/XXXX payment. The truck was taken in XX/XX/XXXX the XXXX  started after the late payment XX/XX/XXXX. It's been XXXX  years and XXXX  months this is on my credit and they are refusing to remove it till XXXX of XXXX. A repo only on your credit XXXX years and this been passed XXXX years and months.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
It's really alarming to see something on your credit report that isn't supposed to be in there, it's making me so anxious that there are inquiries which I believe to be fraudulent that I don't recognize nor applied to. I did not gave authorization or consent for these companies to access my 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 explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The personal details on my credit report are incorrect. I've attached my documents for you to update the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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:
The personal details on my credit report are incorrect. I've attached my documents for you to update the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation