vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-13 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:
I am not liable for this debt with XXXX XXXX XXXX  Account # XXXX, I never signed a contract with this company. I have filed with the FTC It is 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 non-monetary relief
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PINNACLE RECOVERY, INC.
State: CA

Complaint narrative:
As of XX/XX/XXXX a collection of the amount of {$27000.00} popped on my credit report. I have absolutely no knowledge of this account and I have never received a piece of mail or any correspondence whatsoever with this company. I would like to know why companies are allowed to ruin people 's livelihood with no real proof. I am in the process of purchasing a house and this will ruin my chances and make me lose out on thousands of dollars. I would like this rectified. 

Completely remove this account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TN

Complaint narrative:
While buying and selling crypto currency on the coinbase platform my funds invested were fraudulently taken. My investment was {$35000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: NY

Complaint narrative:
This is also completely inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 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: NY

Complaint narrative:
This is also completely inaccurate. 
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 2023-09-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION
State: CO

Complaint narrative:
My daughter found a co-signer and went out and got a Sallie Mae loan for school. ( Because XXXX only gives {$5000.00} out of state for some odd reason. ) She borrowed {$78000.00}. {$39000.00} each year. 
We have paid over {$30000.00} on this loan. Even so, her debt now is basically up to {$100000.00}! 
Now that she has graduated, her payments have gone up to {$1200.00} and change every month. 
In XXXX when the payment was made, the debt had gone up to {$98000.00} because of interest. 
In XXXX when the $ XXXX payment was paid the debt now showed {$99000.00}! 
Daily compounding interest. An astronomical interest rate! How is a young person supposed to climb out from under that kind of robbery? ( It feels like loan sharing ) Sallie Mae simply says oh well. Do the best you can. There is no effort on their part to help a student succeed. They set them up to default. 
My daughter has no problem paying her debt except in this circumstance. She doesnt make enough to cover this massive monthly payment. 
Is Sallie Mae being lawful? Ethical? Or is this a loop hole to consume and destroy? 
Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: PNC Bank N.A.
State: NY

Complaint narrative:
In XXXX my wife and I applied for a mortgage with XXXX XXXX XXXX  XXXX for the sum of {$44000.00}. In XXXX we refinanced our mortgage with XXXX XXXX XXXX  XXXX for {$55000.00} and consolidated mortgage one and two to form a single lien in the amount of {$55000.00}. A year or two later PNC mortgage servicing took over our payments and in XXXX we paid off our mortgage to PNC mortgage servicing but they never cleared our mortgage with the county. This year we put our house on the market and when they did a title search they told us that we still have a lien of {$55000.00} mortgage. We have already reached out to PNC Bank to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: GA

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. 

Account Name : XXXX  XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 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: GA

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. 

Account Name : XXXX  XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX  XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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.

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 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX My loans were in deferment until XXXX along with the rest of the student loan borrowers. As you can see on the XXXX statement included, all loans were current through XX/XX/2023. In XXXX when clarifications became announced I first applied on XX/XX/XXXX and then again on XX/XX/XXXX for consolidation and deferment until the consolidation is approved. As you can see the application on the XXXX and the statement by XXXX that NO PAYMENTS ARE DUE UNTIL XX/XX/2023. 

On XX/XX/XXXX, you reported me 90 days late on my payment A total shock considering the above and that your own documents show I was current through XX/XX/2023. I need your kindness and help to rectify this please as the downgrade in my credit is now forcing me to close my business and my vendors are all now shutting down my credit with them due to the dramatically lower credit score.

This is urgent. Can you please help? If you need additional info, please reach out. Attached is the XX/XX/XXXX, loan modification along with that is also the date of my second request to apply an administrative deferment to allow for time to get this processed. Also included is the XXXX statement showing no payments due until XX/XX/2023. 

I first contacted XXXX on XX/XX/XXXX and again on the XXXX as the info from the XXXX did not get to XXXX for some reason. 

Also, this loan likely will qualify for total discharge due to the length of payments on it. I have 15 years of public service but do not qualify for discharge for that since I am a volunteer! 

PLEASE HELP! 

You can reach me at XXXX if you have any questions or email me at 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 2023-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: GA

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-09-13 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: GA

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
Subject : Dispute of Negative Information on My Bank Report To Whom It May Concern, I'm submitting this complaint due to the negative information that CHEX SYSTEMS has reported in my bank report. I believe that my rights have been violated as this information is inaccurate and misleading. Please investigate and rectify this matter promptly. 
Account Information : Name : XXXX XXXX Account Number : XXXX Description of Dispute : To whom it may concern CHEX SYSTEMS is reporting a negative XXXX XXXX bank account with my personal information. I demand the removal of this negative item as the information is inaccurate or in violation of my rights as I do not recall opening a XXXX XXXX personal checking account.

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 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: 950 Credit Inc
State: FL

Complaint narrative:
Dear XXXX Consumer Relations + Credit Rent Boost, I hope this letter finds you well. I am writing to bring to your attention a discrepancy that I have noticed in my credit report with XXXX. After thoroughly reviewing my credit reports from all three major credit reporting agencies, I have noticed that a specific account is correctly reported by XXXX but is missing from my XXXX report. 

Here are the details of the credit card account in question : Creditor : XXXX XXXX Account Number : XXXX Account Type : XXXX Date Opened : XX/XX/2013 Account Status : XXXX  I would like to kindly request that you investigate this matter and include the account in my XXXX credit report. The accuracy and completeness of my credit report are crucial, as it directly impacts my financial credibility and access to various opportunities, including loans and credit facilities. 

Enclosed with this letter, please find copies of my credit report from XXXX, clearly indicating the presence of the credit card account. I believe that by rectifying this omission, my XXXX credit report will more accurately reflect my credit history. 

I understand the importance of maintaining accurate credit information, and I am confident that XXXX will take the necessary steps to ensure the completeness of my credit report. Please keep me informed of the progress of this request and provide me with written confirmation once the credit card account has been added to my XXXX report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: FL

Complaint narrative:
equifax XXXX and XXXX AND XXXX XXXX REFUSE TO ADJUST ANY OF MY CREDIT SCORES AND ARTIFICAILY, AND WITH MALICE, DROPPPED MY CREDIT SCORES AT XXXX EARLIER THIS YEAR AND ARE KEEPING THEM ARTIFICALLY LOW DESPITE OVER A YEAR OF ON TIME MORTGAGE PAYMENTS, XXXX  YEARS OF ON TIME CREDIT CARD PAYMENTS, AND NO OTHER LINES OF CREDIT OR PROBLEMS ON MY CREDIT REPORT!! MY SCORES ARE LOWER THAN THEY EVER HAVE BEEN DESPITE YEARS OF ONTIME PAYMENTS AND NO DEBT!! THIS IS XXXX, DISCRIMINATORY, AND DISCRIMNATES AGAINST XXXX VETERANS, XXXX PEOPLE, AND XXXX PEOPLE LIKE ME!! 
XXXX, AND THE XXXX CREDIT BUREAUS ARE DOING THIS INTENTIONALLY, LIE TO THE PUBLIC, DISGUISE THEIR SCORING MODELS, REFUSE TO CREDIT YEARS OF ON TIME PAYMENTS AND DESTROY PEOPLES LIVES!! INVESTIGATE AND PROSECUTE EQUIFAX, XXXX AND XXXX AND THE XXXX XXXX FOR THEIR FRAUD AND ABUSE OF THE CONSUMER!! STOP DAMAGING MY ABILITY TO PUT A ROOF OVER MY HEAD WITH YOUR ARTIFICALLY LOW XXXX DISCRIMINATORY CREDIT SCORING MODELS!! YOU DO NOT KNOW HOW MUCH INCOME I HAVE AND ARE ARTIFICALLY KEEPING MY CREDIT SCORE EXTREMELY LOW FOR NO REASON YOU DISCRIMINATORY EVIL CORPORTATIONS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: VA

Complaint narrative:
I purchased a vanilla gift card for {$500.00} on XX/XX/23 at XXXX XXXX. Not even an hour later my funds were gone. XXXX transactions for XXXX. And the XXXX  transaction for XXXX. This took place XXXX hour after I purchased the gift card. I couldnt even call the merchant directly because they have no phone support only email. These people are experienced thieves. And worst is the vanilla gift customer service is no help. Only saying XXXX days for investigation and Im not even guaranteed the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: PA

Complaint narrative:
I DO NO RECALL ANY OF THIS INFORMATION ON MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
As of right now the following the companies are reporting income to the XXXX top credit reporting agencies XXXX, XXXX and XXXX. XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Portfolio Recovery Associates , LLC, XXXX XXXX Income is not part of any of XXXX, XXXX or XXXX credit reports. This needs to stop immediately. According to XXXX 's own web site It states " Your credit history does not include income information. See provided upload.

And according to the IRS web site publication 525 and 4681 see provided uploads The IRS clearly makes it known that 1099c is to be considered income. And as such income is not a debt and income can not be reported to the credit reporting agencies. Therefore the six ( 6 ) 1099c 's uploaded along with the IRS publications and as well as XXXX confirming that income can not and does not get reported to the credit reporting agencies. XXXX, XXXX and XXXX must remove deleted all income from being reported to my credit reports In summary it is abundantly clear by all parties IRS, that cancelled debt 1099C is considered income and according the credit reporting agencies themselves income can not should not and does not get reported to the credit reporting agencies. 
thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 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: NC

Complaint narrative:
Dispute of Inaccurate Credit Information Pursuant to 15 U.S.C. 1681 and 1681i items on my credit report that I believe are inaccurate, incomplete, and not verifiable, as allowed by the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681 and 1681i. The following accounts are the subject of my dispute : XXXX XXXX  Account # XXXX has violated my rights XXXX  account # XXXX has violated my rights XXXX XXXX XXXX account # XXXX has violated my rights I am disputing these items on the grounds of violations of several sections of the FCRA, including but not limited to : 15 U.S.C. 1681 Section 602 ( a ) - Requirement of Accuracy. 
15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Permissible Purposes of Consumer Reports.15 U.S.C . 1681c ( a ) ( 5 ) - Information Not to Be Included in Consumer Reports. 15 U.S.C. 1681e-2 ( a ) ( 1 ) - Duties of Furnishers of Information to Consumer Reporting Agencies . 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) - Responsibilities of Furnishers of Information to Consumer Reporting Agencies .

15 U.S.C. 1681i ( 5 ) - Procedures for Disputed Information. I request that you investigate these disputed items and correct any inaccuracies, discrepancies, or incomplete information in accordance with the FCRA. Under 15 U.S.C. 1681i, you are required to conduct a reasonable investigation into the disputed information within 30 days of receiving this dispute letter. Please provide me with a written response detailing the results of your investigation, including any corrections made to my credit report. If you are unable to verify the accuracy of the disputed items, I request that you remove them from my credit report in accordance with the law. Failure to comply with the FCRA and address this dispute within the specified time frame may result in legal action. I trust that XXXX, EXPERIAN, XXXX will handle this matter promptly and in accordance with federal law.

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 2023-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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