vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

XXXX XXXX  | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

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 2023-12-03 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: MI

Complaint narrative:
ON XXXX XXXX. I RECEIVED MY CREDIT REPORT FROM XXXX AND IN THE SUMMARY REPORT SHOW THE DIFFERENT ITEMS FROM TRANS UNION LLC, XXXX CREDIT BUREAU, XXXX XXXX XXXX XXXX. 
UNDER 15 U.S. CODE XXXX FINGS AND STATEMENT. CLEARLY WITH THE SUMMARY ENCLOSED YOU WILL SEE THE DIFFERENT BALANCE FROM ALL THRE CREDIT BUREAUS. 15 U.S. CODE 1681-2- RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES. A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON XXXX HAS REASONABLE CAUSE TO BELIEVE THAT INFORMATION IS INACCURATE. A SUMMARY OF MY RIGHTS UNDER THE FAIR CREDIT REPORT XXXX RESPONSIBILITIES ON ALL FPERSON WHO FURISH INFORMATION TO CONSUMER REPORTING VIOLATION OF 15 U. S. CODE 1681 THE INACCOURATE INFORMATION HAS IMPACTED MY CREDIT REPORT THAT I CAN NOT APLY FOR ANY CREDIT CARD. THE FALSE REORTING FROM TRANS UNION, XXXX AND XXXX HAS AFFECTED MY CEDIT REPORT WHICH HAS CONSEQUENCES OF ERRONEOUS ENTIREIES ON MY CREDIT REPORT IS MISLEADING UNDER ( FCRA ). THIS INACCURATE REPORTING IS AFFECTING MY EMPLOYMENT OPPORTUNTIES OF GETTING HIRED FOR BETTER POSITIONS.

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 2023-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
I had a research investigation request into my insurance company this year on the verification of the medical debt, it concluded in XX/XX/2023. The collection agency never contacted me, verified my medical amount owed or sent any ability to pay prior sending to the credit bureaus in XX/XX/2023. They have not sent me a bill until XXXX/2923. Ive been willing to pay on a payment plan with the practice directly for amount owed. The collection agency needs to remove this debt from my credit reports and set up a payment plan with the practice for amount agreed upon. The collection agency is using unfair collection tactics, never sent me a bill prior to sending to my credit bureaus and didnt have the amount verified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 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: PA

Complaint narrative:
I currently have some fraudulent inquiries appearing on my credit report I have attached support and documentation below. 

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 2023-12-03 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
I submitted all pay stubs they asked for for 30 days. It was XXXX dollars earned for 30 days of work they claim they never got the other pay stubs. I have submitted everything they asked for. I get a letter they didnt get it XXXX so sick of this with this company I am about ready to refinance my mortgage with another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-12-03 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:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-12-03 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: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
I asked for copy of the signed agreement and the lady hung up in my face and she said talk to there lawyer. How could I talk to there lawyer when I dont know who the lawyer is when she hung up in my face. Also she lied to the court about the amount I had left to payoff and the amount I was paying a month.. The XXXX reported false information my payment a month was {$320.00} a month. She lied and said I was paying {$420.00} which is incorrect. Now this company is garnishing my check every week almost {$200.00} when I can barley take care of my family because the company lied. Not only is this lied they so my information to a third party which was in the contract not to do. I have a charge off on my credit report for this company. Meaning they sold this account to creditor and this company has been paid for this account. But also this company tower loan is having my check garnish and getting paid twice. I paid my account down to {$2000.00} and now they tell the court I owe {$9800.00}. How is that portable. This company is money laundering. I have paid this company over {$2000.00} in garnishment so far. Charge off mean that the company has been paid for that account and this company has lied about the amount being paid monthly to the payoff amount which was {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 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:
My information was sold and bought illegally because I was a victim of the equifax data breach.i want these items deleted from my credit reports effective immediately. I am attaching proof that equifax had admitted that I was in fact a victim of the data breach and equifax had done nothing. Please help me delete these illegal accounts from my credit reports. Here are the accounts. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXr XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
My Dell Financial account was transferred to : Comenity Capital Bank XX/XX/XXXX without my knowledge. 

On XX/XX/XXXX, I received my first letter from Comenity XXXX XXXX  advising that I was past due but I do not agree, as my account was setup on automatic payments for the past 11 years, and I have the complete ability to pay, with no financial issues. My automatic payments were cancelled without my knowledge and consent. 

I had no way to protect my credit account due to no phone calls made at all. 

The CFPB, FDCPA, and typically company policy requires at least one collections attempt per 30 days and I have not received ANY collections calls or STATEMENTS in the last two months, or demand for payment. 

When I called and spoke to an agent on XX/XX/XXXX, I was not read any collection XXXX rights and I was not told it was XXXX until I asked specifically. 

The agent agreed to waive my late fees due to the issue but would not review my credit report harm, which I was told they will be reporting me as 60 days past due. 

Please review to remove all credit marks and late fees. Please remove all additional accrued interest as I would not have been charged extra interest had the company not cancelled my auto payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-03 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:
IN ACCORRDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST ACCOUTS BELOW HAS VPLIDATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.S 1689. 


ACCOUNT # XXXX XXXX XXXX, XXXXXXXX XXXX ACCT # XXXX XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX. 

XXXX5 U.S.C 1681A SECTION 602 A. STATE I HAVE THE RIGHT TO PRIVACY 15 U.S.C DECTION 604 A SECTION 2 : IT ALSO STATES A COMUSMER REPORTING AGENCY CONNOT FURNISH ACCOUNT WITHOUT MY WRITTEN NOTICE.

15 U.S.C 1681C. ( A ) ( 5 ) SECTION STATES NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING TEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS WHICH ANTEDATES THE REPORTING BY MORE THAN SEVEN YEARS.

15 U.S.C1681S.-2 ( A ) ( 1 ).

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 2023-12-03 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: MI

Complaint narrative:
Trans Union and XXXX has refuse to follow the FCRA AS SET FORTH IN THE GUIDELINES OF 15U.S.CODE1681 CONGRESSIONAL FINDINGS AND STATEMENTS BOTH HAS VIOLATIONOF 15U.S.CODE1681 UPON RECEIVING MY CREDIT REPORT BOTH AGENCIES HAS COMMITTED FRAUD BY PPLACING MISLEADING INFORMATION ON MY CREDIT REPORT. SECTION. 604 FCRA SECTION 623 OF THE FCRA THE INACCURATE INFORMATION HAS IMPACTED MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 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: EdFinancial Services
State: OH

Complaint narrative:
I was trying to call and get my loan switched to a more affordable monthly payment extended plan. The first time I called it said the wait time was XXXX minutes to get through. Considering that I filled out a form online which I thought would get my information through. It was very confusing. I never heard anything back so I tried to call again in a few days. This was at the end of XXXX. I got through. I worked with an associate and she assured me my payment plan would be switched to an extended plan with a lower payment and I could expect to see an email in around XXXX business days announcing the change and see it reflected in my online account. I waited the allotted time and did not see any change. I called back and talked to another associate at EdFinancial and she told me my account did not reflect any such change being implemented and that I had agreed to pay the amount as-is, which is false. I asked if we could put in another request to get it changed. She said yes and assured me again about the 21 business-day processing time. I waited a good amount of time again and did not see a change or an email response. I then requested to speak to a manager. The manager eventually called me back. She assured me it was being processed but that they were behind and the wait time was more like XXXX business days. Well, it is still not done and it has been longer than that. I again called and talked to another associate, who assured me before my next payment due date that it should definitely be changed. Still nothing. So I paid the amount I was promised I would be paying once switched as I can't afford the current payment amount. I did pay the full amount the first month of payment but I can not continue doing so. Now it reflects that I am behind on my payments. My wife has a similar amount of student debt and goes through XXXX. They changed her to an extended plan in XXXX day, XXXX day. Why has my saga been going on for XXXX months? How hard is it to switch my plan if another servicer can do it on the same day? Will they ever switch it? I am about to refinance the loan with a bank so I can get someone handling it that I can trust. I have no faith EdFinancial is going to do anything they are telling they will do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
The company states that I have a prior unacceptable experience with a financial institution

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
I reached out to Aspire about a hardship I am currently dealing with. I received a correspondence on XX/XX/XXXX that I was enrolled into a special payment program that will reduced my monthly payments to XXXX a month. I was told that I was enrolled and I havent used my credit card since the hardship. I received a notification from XXXX XXXX  that my card was removed I reached out to aspire XXXX and I spoke to an agent and the agent told me that I am not enrolled. But an agent I spoke to last week told me I was enrolled. I should be enrolled into this program. I am being told different answers I am on a fixed income barely making it. I reached out again it is saying that the account is past due and in order to be in the program I need to make that payment I was not told that previously I responded to the correspondence on XX/XX/XXXX. And I agreed with the outcome and now your agents are giving me mixed answers

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I went to branch of Bank of america 5 months ago to get mailed verifacation, for this account, from the bank and the manager called a special number, they said they would email me and mail proof that the debt is valid, nothing ever happened. i disputed with XXXX 4 times they said its valid by computor, bank of america cant send validation proof, which i have asked for 4 times, the last time was XXXX weeks ago and said they would mail to me, that has not happen. Bank of America needs to show me WRITTEN Proof this debt is factual. other wise delete from XXXX XXXX Report. 
I have addtional infomation disputing this debt

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 2023-12-03 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
PENFED Credit Union unnecessarily Hurt my Credit Score for no fault of mine. All effort to get this reversed has gone nowhere.

I refinanced my Student Loan With PENFED for 5 years paying $ XXXX  monthly. I set payment on autopay from day XXXX and never had issues paying and never changed my account information. After using autopay to make XXXX  monthly payments of {$600.00}, Per PEN FED, the last XXXX payment {$570.00} can not be made through autopay and I was supposed to make this manually. 

When I was made aware about this process of " last payments can not be made through autopay '' the balance had been sent to debt collection who already reported default on my credit score.

I have since made the payment " manually '' and all efforts to get this reversed from my credit score has gone nowhere. 

I'm not sure how XXXX payments of higher amount ( {$600.00} ) was paid but the last XXXX payment of {$570.00} end up being reported as default on my credit score due to PENFED unnecessary process which I was no made aware in time.

Reporting this as default to my credit score has hurt my credit at the time i needed it most. 

I need PENFED CREDIT Union to reverse this as soon as possible

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 monetary relief
Consumer complaint received 2023-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
When I purchased my home in 2021 I was never provided loan payment options from the title company. After moving into the home I called my mortgage company cross country mortgage, and requested split payments be setup. To do so it required a {$150.00} process fee and an additional months rent up front. During this difficult process of setting up the split payment I missed a couple payments due to the fact it was never clear on when the automatic payments took effect or an easy way to setup. I just received notice XXXX XXXX years later that my automatic payments are being cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 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: FL

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN.

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