vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I would like Transworld systems to cease and decist all collection and collection efforts. It appears my rights under the FCRA has been violated. I noticed Transworld systems has been attached to my social security XXXX payment for at least ten 10 years collections have been without my knowledge nor litigation or due process. Transworld systems are also misrepresenting themselves as the federal government and or collecting on behalf of the federal government. The amount only appears to grow and percist the interest is predatory and in total I demand a cease to all collection and removal of debt. In addition I'm seeking compensation for the over collection and violation of my right to dispute as well erroneous reporting via XXXX XXXXXXXX XXXX XXXX correction should be immediately applied to XXXX balance and cease of all action pursuant to 15 USC 1692c and 15 USC 1681 my information was not given with consent to Transworld systems for any purpose or use.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: TX

Complaint narrative:
Subject : Request for Removal of Inaccurate Charge-Off Under FCRA Section 1681e ( b ) Dear Sir or Madam, I am writing to formally dispute the inaccurate information that appears on my credit report. Specifically, I am disputing the following account : Creditor Name : DISCOVER BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This charge-off is being reported inaccurately and is negatively impacting my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information reported on a consumer 's credit report. 

Based on the inaccuracy of this account and the potential failure to meet the FCRA 's accuracy standards,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: TX

Complaint narrative:
Consumer agency furnished out information without my consent.

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 2024-10-20 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: IN

Complaint narrative:
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 XXXXXXXX : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists 7 Separate fraudulent accounts appearing on my consumer FICO report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXXXXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Cosumer Date of Birth : ( XXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists 7 Separate fraudulent accounts appearing on my consumer FICO report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXXXXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-10-20 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: CA

Complaint narrative:
I was a victim of identity theft and experian continues to report these erroneous accounts. Reminding me of this horror, they are totally ruining my reputation.

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 2024-10-20 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: CA

Complaint narrative:
I was a victim of identity theft and experian continues to report these erroneous accounts. Reminding me of this horror, they are totally ruining my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
**This is in relation to my previous complaint XXXX XXXX I had a payment of {$720.00} to be made on XX/XX/XXXX. Because of past issues with Autopay, I re-done autopay and called up the Citi Customer support on XX/XX/XXXX to confirm that the payment is processed though the payee account XXXX XXXX XXXX XXXXXXXX ) was not debited with the amount. The Citi customer support told me that the payment will be posted in 2 days and that there is no action to be taken from my end. However, on XX/XX/XXXX I happened to see that Citi card has added {$41.00} late fee and {$15.00} as interest added to my transactions as the payment was declined. 
I did have enough balance in my XXXX XXXX XXXX account for the payment to go through. I called up XXXX XXXX XXXXXXXX customer support once again trying to understand why the payment was not honored. They said the Citi payment was sent again to incorrect routing number. 
This issue is causing me trouble as I end up paying late fee and interest for no fault of mine. Also, my credit history is being impacted. Appreciate if Citi could investigate the issue and remove the late fee and interest charged on my account Screen print from my Citi credit card account and XXXX XXXX XXXXXXXX account is included for your reference. I have also included an audio clip from XX/XX/XXXX conversation with Citi Credit card associate confirming that the payment was processed. 

Note - Tried to upload the audio clip of my conversation with Citi customer support on XX/XX/XXXX to confirm that the payment that was due on XX/XX/XXXX has gone through successfully. However, the file is of 15 MB size and hence unable to attach it here.

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 2024-10-20 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: TN

Complaint narrative:
I was already on SAVE plan. In XX/XX/XXXX I consolidated all my federal direct loans together for the one time account adjustment with the safe plan. My loans were then transferred from XXXX XXXX to MOHELA through the US Department of education. MOHELA processed the consolidation, but never the save plan. Two months went by. They still hadn't processed it so I resubmitted it again on XX/XX/XXXX. I called them and told them about that, so they put me on there forbearance stating that it takes time to process. However, with their forbearance student loan interest kept accumulating. Will come XXXX, the safe plane gets put on hold placing SAVE plan borrowers in interest free government forbearance. MOHELA refuses to put me on that forbearance because they never processed my safe plan in a timely manner. I have been an income base payment plan since XXXX They put me on a standard repayment plan when I consolidated, even though I consolidated them with the safe plan. They refuse to process the repayment plan in a timely manner consequently causing me harm with increased student loan interest accruing, not allowing me to be in the government forbearance while they figure out what to do with the safe plan. I can not afford the standard repayment plan so I have to keep going in regular for parents until the government gets things straightened out. It's not fair, because I should be put with all the other safe plan people hanging in limbo, but I'm not because MOHELA won't do anything in a timely fashion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On or around XX/XX/XXXX I applied for a personal loan with SoFi online ( SoFi loan # XXXX ), and was initially approved for {$100000.00}. 

On or around XX/XX/XXXX SoFi did a HARD inquiry into my credit On or around XX/XX/XXXX SoFi updated the offer and reduced the loan amount to {$40000.00}, and asked me to accept or decline On or around XX/XX/XXXX I want to accept offer. I am unable to accept offer on the SoFi APP, and unable to accept the offer on www.sofi.com On or around XX/XX/XXXX I contact SoFi customer service and speak with an agent, " on a recorded line. '' And am told there is an issue with their system, and an IT ticket has been submitted to allow me to accept this offer XX/XX/XXXX - XX/XX/XXXX I return to the SoFi APP and website, and still receive error message, and am not able to accept offer. Also during this time I am in contact with SoFi both outbound and inbound calls stating the offer will be extended to allow for the IT issue to be resolved XX/XX/XXXX I receive a call from XXXXoFi stating the offer will be extended another 15 days to allow for the IT issue to be resolved. I am still wanting to accept this offer, BUT am unable to accept XX/XX/XXXX I log in to the APP, and see the offer was declined by SoFi, that the offer expired due to me not accepting. 
I call SoFi and am told offer expired. And even though I was told the offer would be extended, I was told this was now incorrect. I was only offered to apply again.

SoFi wasted my time for more than a month, making me think I was approved for this loan. My goal of this loan was to pay off a 27 % loan. SoFi wasted my time for 30 days and should be held liable for wasting my time and interest on this loan, and since it seems they had no interest in actually funding this loan, should remove the hard inquiry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 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: NV

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Data of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/year> under the account number ( XXXX ), This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

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 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XX/XX/2024 Equifax XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am a victim of identity theft and have enclosed a copy of my identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you remove itens immediate take off the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed from my credit file. 
This not a regular dispute I have filed a complaint with federal trade commission to document being a victim of identity theft. 
Please remove this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the fair credit reporting act. I am requesting that the following fraudulent accounts be deleted from my credit file : 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 non-monetary relief
Consumer complaint received 2024-10-20 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX I contacted them about this reporting in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  this matter was still unsolved. Attached is the letter sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items, which are only XXXX required Per the Law. I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
Subject : Issues with Account Reporting TD Auto Finance Account Details : Account Number : 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 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 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 XXXX XXXX XXXX 72 months for all accounts Comments : Accounts are reported as closed or paid with a XXXX XXXX but inaccuracies in payment history need to be addressed. 
Actions Taken : You have noted discrepancies regarding the " Last Payment '' and " Last Reported '' dates, indicating they may not accurately reflect your payment history. 
Request : Clarification on the inaccuracies in reporting and rectification of any incorrect information on your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX violates FCRA regulations by reporting the same adverse account TWICE : THERE ARE SAME ACCOUNTS REPORTED NEGATIVELY ( XXXX XXXX ACCOUNT XXXX AND XXXX XXXX XXXX XXXX are the same account ). Not only that that same account has inaccuracies since they display different data, which XXXX " SUPPOSEDLY '' investigated and then re-investigated, which looks like very DISHONEST, AND DECEPTIVE PRACTICE by private company which XXXX is and with which I have NO CONTRACT WITH, AND WITH WHICH I REVOKE ANY CONSENT- ORAL, WRITTEN, IMPLIED OR OTHERWISE AS OF NOW TO REPORT ANY OF THOSE TWO ACCOUNT ON MY BEHALF. Additionally LVNV FUNDING LLC is a charge off account, but XXXX DECEPTIVELY continued to report it as a charge off every month and in this manner updating it monthly. Charge off account should not have any updates after it was charge off. This inaccurate information falsely manipulates statute of limitations, and proves that XXXX DID NOT INVESTIGATE AND RE-INVESTIGATE THE ACCOUNT. Furthermore, XXXX has violated my rights under the Privacy Act of 1974. The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual.

Company response to consumer: Closed with explanation