vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Upon checking my consumer report, I have become aware that Navient has been reporting many errors, including false and misleading information this account does not meet the credit reporting Standards of reporting 100 % accurately. This has ruined my reputation, has caused embarrassment and humiliation and is damaging my entire life by Keeping me from getting new credit for personal, family and household purposes. I respectfully demand the Consumer Financial Protection Bureau to enforce the deletion of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am trying to buy a house and I have realized I have damages on my credit report. According to the 15 U.S.C 1681 there should not be any damages on my credit report. It is defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are multiple inaccuracies when reviewing my credit report, the dates open on many of my credit cards are inaccurate and inconsistent across all XXXX bureaus as well as their are miscellaneous inquiries on my account by the thousands from XXXX or more entities who have been accessing my account on far too frequent of a basis causing my credit score to be impacted heavily, also my credit score is no where near reflecting the accuracy of my credit payment history and utilization I only have XXXX credit cards showing late payments and my score reads incredible low compared to Great amount of on time payments history and credit rapport I've built up over time,

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 2024-06-07 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
the following account shows as charge off which means it was written as a loss by the creditor which also means a XXXX cancellation of debt form was never sent to me. 

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 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
On XXXX I applied for an apartment at XXXX XXXX. I paid a {$100.00} application fee and a {$750.00} holding deposit. I was told by XXXX XXXX that it would take 5 days to process my application. 
On XXXX I received a lease which has the wrong move in date. I reached out to XXXX XXXX to correct this on XXXX. I also called their office and text the leasing agent with no reply. 
On XXXX my lease and application was removed completely form XXXX XXXX online portal- screenshots have been included in my email to XXXX XXXX XXXX 
I then made multiple calls and texts to XXXX XXXX. 
On XXXX when I still did not receive any lease or replies, I asked to withdraw my application. This can been seen in email. 
On XXXX I heard from thee leasing agent XXXX via text- I had confirmed with her I am no longer interested in the unit and she confirmed on XXXX to refund my holding deposit. XXXX had confirmed via text- text screenshot attached. 
On XX/XX/XXXX I reached out to XXXX the leasing agent as well as XXXX XXXX confirmed via text that the deposit would take 5 to 10 business days. 
I waited two months for my refund which was never received. XXXX XXXX completely stopped replying to my messages and I had to dispute the {$750.00} charge with my bank directly. 

In XXXX of 2023 Genesis/ Columbia Debt Recovery reached out to me to pay this debt. I sent them all the information multuple times. I even spoke to a representaive who said they would be removing this charge from my account. They never removed this charge and it is showing on mt credit report. 

I provided Genesis/ Columbia Debt Recovery full documentation on five seperate occassions of XXXX XXXX confirmation to refund me as well as their inability to uphold the terms of their contractual obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
XXXX XXXX reported incorrectly an account that I never opened. 
XXXX XXXX charge of {$350.00} XXXX XXXX {$1000.00} XXXX {$320.00} Amex {$1800.00} XXXX XXXX {$7100.00} all these accounts are incorrect and I disputed these all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: GA

Complaint narrative:
1. On XX/XX/year> I wired {$1900.00} to WISE INC from my account in XXXX XXXX XXXX to WISE INC account no XXXX in XXXX XXXXXXXX XXXX XXXX XXXX : XXXX. The {$1900.00} immediately withdrawn from my bank account, but WISE INC did not confirm receiving the money and refuse to return it back to me. 3 times I provided them with my bank account info in order to get my money back but nothing happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

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 2024-06-07 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: GA

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

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 2024-06-07 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: NJ

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 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:
To Whom It May Concern, I am writing to formally request a thorough reinvestigation into the inaccurate accounts being reported on my consumer credit report. I have identified several false instances and non-compliant information that require your immediate attention. 

Federal regulations mandate the complete, accurate, and compliant reporting of all information, particularly within the XXXX XXXX data fields. Any deviation from this standard is not only a violation of federal regulations but also a breach of consumer trust. 

I insist on your strict compliance with XXXX XXXX reporting requirements. You must provide me with irrefutable physical proof of the validity, accuracy, and compliance of the reported information. Specifically, I request : The name and contact information of the individual at the original creditor with whom you communicated to verify these items. 
The method of contact used ( e.g., phone, email, written correspondence ). 
Whether you utilized a XXXX XXXX XXXX ( XXXX ) or an automated dispute verification system. 
A detailed description of the reinvestigation procedure, including the steps taken to verify the disputed items. 
If you can not substantiate the claims made in my report with the requested information, I expect the inaccurate accounts to be removed immediately. Failure to comply with my request will result in my taking legal action, including filing a lawsuit in small claims court for {$1000.00} per violation, pursuant to FCRA XXXX ( a ) ( XXXX ). 

Please address this matter with the urgency it deserves and provide a written response within the XXXX period as required by the FCRA. I expect a complete and thorough investigation into this matter. 

Thank you for your prompt attention to this serious issue. 

attached is my proof Idenity, Please do not send me stall letters asking to verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute inaccurate information on my credit report, which has adversely affected my XXXX XXXX. This is in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

Recently, my account balance was incorrectly reported. The correct balance of my account is {$28000.00}. However, the agencies reported that my balance increased, which is not true. Specifically, my balance decreased from {$29000.00} to {$28000.00}, and the correct current balance is {$28000.00}. 

According to 15 U.S. Code 1681 - Section XXXX ( a ), I have a right to privacy. Additionally, 15 U.S. Code 1681 - Section XXXX ( a ) ( XXXX ) states that a consumer reporting agency can not furnish an account without my written consent. Therefore, the erroneous reporting not only misrepresents my financial status but also violates my rights under these provisions. 

I request that the inaccurate information be corrected immediately, and my credit score be adjusted to reflect the accurate balance of {$28000.00}. Please confirm receipt of this letter and inform me of the steps being taken to resolve this issue.

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 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute inaccurate information on my credit report, which has adversely affected my credit score. This is in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

Recently, my account balance was incorrectly reported. The correct balance of my account is {$28000.00}. However, the agencies reported that my balance increased, which is not true. Specifically, my balance decreased from {$29000.00} to {$28000.00}, and the correct current balance is {$28000.00}. 

According to 15 U.S. Code 1681 - Section XXXX ( a ), I have a right to privacy. Additionally, 15 U.S. Code 1681 - Section XXXX ( a ) ( XXXX ) states that a consumer reporting agency can not furnish an account without my written consent. Therefore, the erroneous reporting not only misrepresents my financial status but also violates my rights under these provisions. 

I request that the inaccurate information be corrected immediately, and my credit score be adjusted to reflect the accurate balance of {$28000.00}. Please confirm receipt of this letter and inform me of the steps being taken to resolve this issue.

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 2024-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in 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 non-monetary relief
Consumer complaint received 2024-06-07 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: EQUIFAX, INC.
State: MN

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: MS

Complaint narrative:
Upon reviewing my credit report on XX/XX/year>, across all major credit bureaus, I was alarmed to discover a negative collection entry attributed to a company called RADIUS GLOBAL SOLUTION, claiming an outstanding balance of {$110.00}. To my knowledge, I have never engaged in any transactions or received services from this entity, nor have I ever encountered them before. This revelation has caused me significant distress and concern, particularly given my current circumstances. 

As a single woman pursuing a XXXX 's in XXXX, I am already facing various challenges in balancing my studies and financial responsibilities. Without any external support, every penny and every financial decision greatly impacts my ability to sustain myself and continue my education. I have diligently managed my finances, striving to address any debts incurred, particularly those accrued during the COVID-19 pandemic, without seeking government assistance.

In light of these circumstances, I humbly request your assistance in rectifying this erroneous collection entry promptly. Deleting this unfamiliar and unjustified claim from my records would alleviate undue stress and allow me to continue my financial efforts unimpeded. I am committed to resolving any legitimate debts I may owe, but I implore you to consider the gravity of this situation and extend your support in resolving it favorably. 

Your understanding and cooperation in resolving this matter are greatly appreciated. Please feel free to contact me should you require any further information or documentation to expedite this process.

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 2024-06-07 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:
I filed case XXXX XXXXXXXX studentaid.gov related to ongoing issue with my student loan. 

Case Description : I have filed a previous complaint regarding public loan forgiveness as it relates to loan sequences XXXX and XXXX. I was advised that the consolidation was processed and I have XXXX credits towards loan forgiveness. I am inquiring as to whether I will be receiving money back for the payments made in XXXX XXXX XXXX  since I've exceeded the required XXXX credits for public loan forgiveness. I made ( XXXX ) payments {$28000.00} and {$14000.00} on XX/XX/year>. I did not receive accurate information from Mohela which resulted in me prematurely making payments on my student loans despite eligibility for loan forgiveness. I am trying to determine whether I will be receiving funds back as a result of exceeding required payments. I have not heard back from studentaid.gov regarding this matter. Separately, I am working my state representative on this matter. Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: DC

Complaint narrative:
I never quester nor wanted a forbearance and the company put me on XXXX anyway. 

Letter stated the following ( typos theirs ) : MOHELA Has Placed an Administrative Forbearance on Your Account Dear XXXX Carefully read the following pages nd the enclosed loan details regarding the approved XXXX XXXX period ( XXXX ) for your loan ( XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: CA

Complaint narrative:
Please remove inaccurate and old address from my report. Remove XXXX mailable address and must be removed. 

my current address is XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
This company stole my identity and used fraud in an attempt to extort me out of money not owed.

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 2024-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA XXXX. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling 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