vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-03 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: WI

Complaint narrative:
The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.

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 2024-05-03 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.

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 2024-05-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
PHEAA decided to take it upon themselves to approve a Forbearance that I never requested or authorized. The details of this forbearance are extremely vague and if it was something I never requested, then they should not be approving things never requested by a borrower/co-signer. This raises some major red flags that people within the Agency are going into borrower accounts and doing things against the wishes of the borrower/cosigner. Any prolonged forbearance or deferment will not be requested by borrower or cosigner for this account for the remainder of the loan ( s ). Any approval of any forbearance or deferment that is made by PHEAA is done so without my express permission or consent.

This is an additional example of PHEAAs provocative actions they take against borrowers as a means of vengeance or retribution. 

Dear XXXX XXXX XXXX : We approved a Collection Suspension Forbearance. See below for details on your impacted loans. 
Loan Sequence Disbursement Date Loan Program Owner Name Current Principal Balance Federal Agency XXXX XX/XX/XXXX UNCNS PHEAA SL T {$370.00} FEDERAL TRADE COMMISSION XXXX XX/XX/XXXX SUBCNS PHEAA SL T {$990.00} FEDERAL TRADE COMMISSION Action Type Begin Date End Date Approved Administrative Forbearance XX/XX/XXXX XX/XX/XXXX Approved Collection Suspension Forbearance XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: FL

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: CL Holdings LLC
State: MD

Complaint narrative:
Ive recently checked my credit report and noticed some inaccurate accounts reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

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 2024-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: CA

Complaint narrative:
The XX/XX/XXXXloans listed on my account that's being reported by all of the three credit bureaus have been discharged. Attached to this complaint is a copy of the discharge letter which can be used as proof that these accounts should no longer be reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC
State: MO

Complaint narrative:
On XX/XX/XXXX I received a letter from Faye Servicing. They returned my last payment with a letter stating " we are currently unable to accept payment for the following reason - our records indicate your loan is paid in full ''. In XXXX I received checks from Faye Servicing refunding my escrow account. When I received the letter stating the loan was paid in full I called the number on my statement. I wasn't able to speak with anyone so I left a message for someone to call me back that I thought there had been a mistake. I never heard back from them. I have the statement I then received in XX/XX/XXXX showing them reversing the amount that had paid off the loan. At this time the amount due was {$2800.00} I mailed them this amount then over the next several months I continue to send my regular monthly payments. Faye Servicing returned check for {$2800.00} via mail on XX/XX/XXXX along with a letter stating the total amount needed was {$2800.00} and it needed to be received by XXXX XXXX. I mailed check # XXXX for this amount after calling again and not being able to speak with anyone. Several weeks later, when this check hadn't been cashed yet I called and finally got someone on the phone, XXXX XXXX with Faye Servicing told me they couldn't accept this check because they can only accept the full amount due and that this check would be returned to me. She informed me at this time they would email me an encrypted letter showing the amount needed and that I would need to overnight them a cashier 's check. I received the letter from her on XX/XX/XXXX and it stated the amount due was {$5600.00} and it had to be paid within 30 days. I sent cashier 's check # XXXX on XX/XX/XXXX in the amount of {$5600.00} to be delivered on XX/XX/XXXX. XXXX XXXX called me about a week later and asked me if I intended to send the money, I told her I had, it was overnighted and had been delivered on XX/XX/XXXX. A few weeks later they deposited the check # XXXX as well, which they told me they would return to me. I called and explained this whole mess again the XXXX XXXX, how they messed up by returning my payments and marking my account paid in full in the first place. Faye Servicing made an error that caused almost a years worth of stress and mess. And now I'm told my credit reports shows all of these payments as late and is preventing me from buying a new home. My home is sold and closing on XX/XX/XXXX. I need these late payments that are due to their mistake removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
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:
Consistency in paying on time is my motto. I'm firm about it. Yet, I'm bewildered by the occasional tardiness in the company 's reporting, which shouldn't be the case. USC 1666b mandates that any billing errors must be rectified promptly and reflected correctly in the payment records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-05-03 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: IN

Complaint narrative:
I just pulled a copy of my credit report and I noticed my personal information is being inaccurately reported and I need you guys to modify and update my information. Lenders are having a hard time verifying who I am because of the information you guys have of me. According to the Law, it is required that you report correct personal information within my consumer report, and it must be deleted and/or updated within my credit file, or you are willfully violating the civil liability section of the Fair Credit Reporting Act, 15 U.S. Code 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I just pulled a copy of my credit report and I noticed my personal information is being inaccurately reported and I need you guys to modify and update my information. Lenders are having a hard time verifying who I am because of the information you guys have of me. According to the Law, it is required that you report correct personal information within my consumer report, and it must be deleted and/or updated within my credit file, or you are willfully violating the civil liability section of the Fair Credit Reporting Act, 15 U.S. Code 1681n.

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 2024-05-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I was recently notified by the XXXX Department of Education that I was approved for student loan discharge based on XXXX XXXX evidence. 

The notice includes this : Your loan ( XXXX ) will be XXXX based on an XXXX finding that The XXXX XXXX made pervasive and widespread substantial misrepresentations that borrowers relied on to their detriment. This conduct affected students who enrolled at the XXXX XXXX from XXXX XXXX, XXXX through XXXX XXXX, XXXX. 

The loans referenced in that excerpt are outstanding federal loans that I obtained to attend The XXXX XXXX XXXX XXXX from late XXXX through XXXX. In addition to the federal loans, I also have outstanding private loans serviced by Navient. These private loans were also used to attend The XXXX XXXX of XXXX during that same time frame. 

The Department of Education concluded that XXXX XXXX XXXX  engaged in misconduct, which has led to my federal loans being XXXX and prior payments will be refunded. Being that my private loans were used to attend the same school during the same time period I want the outstanding private loans to be XXXX and prior payments refunded

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: TX

Complaint narrative:
XX/XX/year> I reported a dispute for a transaction for {$170.00} for a purchase I returned XX/XX/year>, Lowe 's. I have received and offered proof of purchase and return from XXXXXXXX XXXX but was never issued a refund for from XXXXXXXX XXXX or XXXX. 

As of XX/XX/year> I have yet to receive any correspondence on despite calling on 6 sperate times. Each representative told me I'd receive a call back within 48 hours and no one has called or emailed.

This is the third dispute I have placed about fraudulent/ mishandled funds with this account that has yet to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: FL

Complaint narrative:
I reviewed my consumer reports and noticed that i had late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of : 2024 Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. I dont believe I was 30 days late from the due date, please investigate and provide me proof for that too.Thanks! Please see screenshots attached :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I reviewed my consumer reports and noticed that i had late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of : 2024 Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. I dont believe I was 30 days late from the due date, please investigate and provide me proof for that too.Thanks! Please see screenshots attached :

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 2024-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: FL

Complaint narrative:
" Your agency is in violation!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
It has come to my attention that Citibank has made the decision to close my account subsequent to the receipt of a refund check from my XXXX XXXX. Regrettably, despite assurances that a notification letter was dispatched on XX/XX/XXXX, its delivery to my address has not been realized. Consequently, there has been a lapse of approximately three weeks without receipt of said correspondence, exacerbating the situation.

As a result of the closure of my account, inquiries have been made regarding the status of my funds amounting to {$3700.00}. Unfortunately, attempts to obtain clarity on this matter from Citibank have thus far proven unsuccessful, leaving me with unresolved concerns and considerable inconvenience. 

Given the significant financial implications and the lack of communication regarding the closure of my account, I respectfully request immediate assistance and resolution from Citibank. It is imperative that this matter be addressed promptly to alleviate the distress and uncertainty it has caused.

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 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I was unable to obtain credit today XX/XX/24 due to Experian 's incomplete information, and no credit score. Yet they alerted me of the pulling of the report and my credit score today when it happened. l have an account with Experian so this is totally inconsistent information that they are sending all parties. How is this 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 explanation
Consumer complaint received 2024-05-03 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: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am XXXX XXXX  because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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