vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-03 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: PA

Complaint narrative:
I have been paying my student loans for over 20 years. Once the adjustments were made to PSLF, I qualified. I was waiting for the results, but suddenly my loan were forgiven under IDR/Biden. I'm thankful they have been forgiven, however, if they were forgiven under PSLF, that's over 10 years of extra payments. Even under the IDR Plan, I've paid over 20 years. I was never told why I wasn't given the PSLF and just given the IDR. My PSLF application was on my online account, I completed all the steps, it then processed, then disappeared. I have attempted to inquire about this and possible refund through Federal Student Aid, Mohela, and XXXX XXXX XXXX ( they held my loan before consolidation to Mohela to apply for PSLF. ) None of these agencies can answer my questions. Mohela says they have no past information. XXXX XXXX XXXX says that they have no further information, and FSA tells me to call the servicer. I have spend countless hours making phone calls, being transferred from person to person. To date, I can not access any of my information on these websites, not even my payment history. Each time I call one agency, they refer me to another. My loan was forgiven XX/XX/2023 and I've never been given any other information. There is no contact for questions, etc. I have no idea what office actually forgave the loans. Furthermore, my student loans still appear on my credit report. Again, while thankful for forgiveness, I have paid an extra 10 years on my loans. That is A LOT of money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Never received my card someone stole it

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 2024-02-03 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: NY

Complaint narrative:
I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX Balance : {$5200.00} ; XXXX  XXXX XXXX Balance : {$2600.00} ; XXXX  XXXX XXXX Balance : {$2000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$2500.00} ; XXXX FUNDING ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$1600.00} ; XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023.

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 2024-02-03 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX Balance : {$5200.00} ; XXXX  XXXX XXXX Balance : {$2600.00} ; XXXX  XXXX XXXX Balance : {$2000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$2500.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1600.00} ; XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
The alleged debt is not in my name Ill send my id rn to prove it they got the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX Balance : {$5200.00} ; XXXX  XXXX XXXX Balance : {$2600.00} ; XXXX  XXXX XXXX Balance : {$2000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$2500.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$1600.00} ; XXXX XX/XX/year> ; XXXX XXXX XXXX XX/XX/year>.

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 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I looked at my report and noticed some things that were reporting incorrectly. I sent multiple letters to XXXX, XXXX, and Transunion asking them to validate the Bankruptcy Account and investigate the completeness and accuracy of the accounts. However, I waited the required amount of time, and everything was updated as verified. I then sent letters to the bureaus asking for their method of verification and a description of the investigation based on 15 USC 1681 ( 7 ). The response I received was it was verified through XXXX XXXX. After this, I requested a copy of my consumer report from XXXX XXXX and verified if this account was actually on the report and it wasn't. I also called XXXX XXXX to confirm this information and I was told that there was no Bankruptcy showing on my consumer report and that they did not receive any request from the credit bureau requesting for verification of this account. I am beyond upset and frustrated, that a company that is supposed to report complete and accurate information on my customer report, can flat-out tell me false information and then verify the validity of this account. I also sent a letter to the Clerk of Courts for XXXX XXXX XXXX XXXX appearing on customer report that is reporting ), who states that they do not furnish debt collectors or credit bureaus any information. This is in direct violation of 15USC 1681 ( 7 ). They have also violated 15 USC1681 ( 5 ) and USC 168e ( b ), just to name a few!

As you can see, this has been an ongoing battle for many years trying to get this corrected. At this point, after all I have done to get this matter rectified, it makes no sense!

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 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I looked at my report and noticed some things that were reporting incorrectly. I sent multiple letters to XXXX, Equifax, and XXXX asking them to validate the Bankruptcy Account and investigate the completeness and accuracy of the accounts. However, I waited the required amount of time, and everything was updated as verified. I then sent letters to the bureaus asking for their method of verification and a description of the investigation based on 15 USC 1681 ( 7 ). The response I received was it was verified through XXXX XXXX. After this, I requested a copy of my consumer report from XXXX XXXX and verified if this account was actually on the report and it wasn't. I also called XXXX XXXX to confirm this information and I was told that there was no Bankruptcy showing on my consumer report and that they did not receive any request from the credit bureau requesting for verification of this account. I am beyond upset and frustrated, that a company that is supposed to report complete and accurate information on my customer report, can flat-out tell me false information and then verify the validity of this account. I also sent a letter to the Clerk of Courts for XXXX XXXX XXXX county appearing on customer report that is reporting ), who states that they do not furnish debt collectors or credit bureaus any information. This is in direct violation of 15USC 1681 ( 7 ). They have also violated 15 USC1681 ( 5 ) and USC 168e ( b ), just to name a few! 

As you can see, this has been an ongoing battle for many years trying to get this corrected. At this point, after all I have done to get this matter rectified, it makes no sense!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Good evening, my name is XXXX XXXX and I'm filing this complaint because this the 3rd time that I filed my claim when my identity was stolen and no action has been taken. Credit bureau have not been sending any mail responses to my disputes nor have these companies. At this point I feel like my rights as a consumer is being violated, Im the Victim in this situation and I can't even get the proper help or response from the companies who oversee credit reporting. If no further action will be taken, I will pursue legal action.

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 2024-02-03 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXXXX/XX/year> According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2024-02-03 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: EQUIFAX, INC.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove all 4 unauthorized inquiries from XXXX XXXX XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: PA

Complaint narrative:
Subject : Dispute of Collection Accounts on Credit Report I am writing to formally dispute the presence of a collection accounts on my credit reports. After reviewing my credit reports, I have identified accounts from XXXX, XXXX XXXX etc reporting as a collection items. 

I dispute the accuracy of this information, and I request a thorough investigation into the validity of all collection account. I have not received any communication from original creditors regarding this alleged debt, and I am not aware of any outstanding obligation to them.

Please provide detailed information about the accounts, including the nature of the debt, the original creditor, and the dates of any transactions. I also request validation of the debt, including copies of any relevant agreements or contracts. Would also like all items bankruptcy discharged in XXXX  to be updated and/or removed. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. I also request that, during the investigation, the accounts be marked as " disputed '' on my credit report. 

I appreciate your prompt attention to this matter. Please inform me of the results of the investigation as soon as it is completed. 

Sincerely, 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 2024-02-03 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Subject : Dispute of Collection Accounts on Credit Report I am writing to formally dispute the presence of a collection accounts on my credit reports. After reviewing my credit reports, I have identified accounts from XXXX, XXXX XXXX etc reporting as a collection items. 

I dispute the accuracy of this information, and I request a thorough investigation into the validity of all collection account. I have not received any communication from original creditors regarding this alleged debt, and I am not aware of any outstanding obligation to them. 

Please provide detailed information about the accounts, including the nature of the debt, the original creditor, and the dates of any transactions. I also request validation of the debt, including copies of any relevant agreements or contracts. Would also like all items bankruptcy discharged in XXXX  to be updated and/or removed.

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. I also request that, during the investigation, the accounts be marked as " disputed '' on my credit report. 

I appreciate your prompt attention to this matter. Please inform me of the results of the investigation as soon as it is completed. 

Sincerely, 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 2024-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MN

Complaint narrative:
I called CREDIT COLLECTION SERVICES on XX/XX/2024 in regards to an account that is being reported on my consumer report to notify them of the blatant violations of my right to privacy, 18 USC 894, 15 USC 1692b ( 5 ) ( Acquisition of location information ) ,15 USC 1692j ( Furnishing certain deceptive forms ) 1692e ( 8 ) ( 10 ) ( False and misleading representation ). Upon speaking to a representative, I requested full disclosure of the accounts and the alleged debt. I also asked to speak to someone whos competent enough to comprehend the severity of the infractions.

33 months of inaccurate and negative reporting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Subject : Dispute of Collection Accounts on Credit Report I am writing to formally dispute the presence of a collection accounts on my credit reports. After reviewing my credit reports, I have identified accounts from XXXX, XXXX XXXX etc reporting as a collection items. 

I dispute the accuracy of this information, and I request a thorough investigation into the validity of all collection account. I have not received any communication from original creditors regarding this alleged debt, and I am not aware of any outstanding obligation to them. 

Please provide detailed information about the accounts, including the nature of the debt, the original creditor, and the dates of any transactions. I also request validation of the debt, including copies of any relevant agreements or contracts. Would also like all items bankruptcy discharged in XXXX  to be updated and/or removed. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. I also request that, during the investigation, the accounts be marked as " disputed '' on my credit report. 

I appreciate your prompt attention to this matter. Please inform me of the results of the investigation as soon as it is completed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX is selling informatin they know to be incorrect to Experian. There are several late payments that are causing my estate harm. The note that is being used belongs to the estate and the equity belongs to the estate therefore this can not be late.

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 2024-02-03 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: MI

Complaint narrative:
Transunion, XXXX, and XXXX are reporting an alleged bankruptcy without the permission from the trustee of the estate of XXXX XXXX. Transunion, XXXX, and XXXX are data furnishers that sell information to various companies. This is prohibited by the estate of XXXX XXXX. The name property and any other interest are copyrighted and trademarked. You do not have permission from the estate to report any such information or misuse the estate name in this manor!

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 2024-02-03 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: MS

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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