vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XXXX my payments were paid up and they repossessed my car I even paid it up through the year and they charged an excess of overage fees.made me pay by credit card. Told me I was paid through XX/XX/XXXX and paid I paid XXXX. They are charging fees before due date if car payment. When it was repossed then I wasnt behind but they said I was. 
Here we r in XXXX there trying to pull same scenario. I paid all my payments since beginning of year well every time I try and pay the block me from paying online .i pad on time since XX/XX/XXXX. Well they now still block me then all of sudden in XX/XX/XXXX they tried say I was XXXX months behind again. I have receipts where transfers went to them. Well XXXX I paid payment and I was due for XXXX but they tried to say again I didnt pay XXXX. I made XXXX notes for XXXX XXXX XXXX. They then told me after that they deleted XXXX cause I as XXXX days behind and its going to be repossessed I had confirmation that it was paid. I paid XXXX as well. Now they have my account so messed up doing same thing again. I asked for proof of where they deleted and was my money sent back. So Im still battling where my funds r .Cause money wasnt returned to me and they want to repossess my car I need this for driving to and from work. I tried multiple times to sort out. But when they continue to say I didnt pay and I have ref # for payments. They told me just cause I paid online doesnt mean its paid. I said well its a confirmation I processed. So now Im fighting with them and bank on where my payment they just deleted and saying Im behind on my payments and I have proof of all of them. I just recently lost job and they were trying to make me take out extension to cover past payments that I already paid. Basically trying to force or make me lose my car I worked all year paying this all year. But they force u to pay by credit card and want allow u to pay online and force your car into repo to make extra money off of you. I asked and requested where they deleted my payment they wouldve give to me They didnt use to be this way but they having gotten really bad this year Others Im sure are having same problem. 

Thanks XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: MO

Complaint narrative:
Hey, I went over my consumer report, and I noticed some hard inquiries that I didn't authorize, or I do not have knowledge of. I have called several times and let the credit reporting agencies and the companies know that the inquiries in the document included below are fraudulent and they have yet to be removed. They are not to supposed to be visible on my credit report. I never gave them permission nor written consent to report or to authorize the inquiry. By law this is aggravated identity theft. 18 U.S. Code 1028A

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 2024-10-01 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: TN

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

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 2024-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I had requested an Income Based Repayment Plan in XXXXXXXX  & was denied on lies. At the time, I was only making {$1000.00} - {$1200.00} a month while Sallie Mae ( now Navient ) was demanding a monthly payment of $ XXXX per month. The representative lied & said that I did not qualify for an Income Based Repayment Plan & forced me into a Forbearance plan. I was stuck on Forbearance payments until I got a higher paying job in XXXX & could finally afford the {$960.00} per month that Sallie Mae ( & later Navient ) demanded. This forced Forbearance did not stop the interest which added another {$30000.00} minimum in interest to my total. I have paid over {$90000.00} in payments over the last 14 years ( with never a single late payment after my Forbearance period ), but I still owe over {$56000.00}. My original loan total was around {$80000.00} in XXXX when I graduated. 

This year XXXX XXXX  ), I tried to refinance my XXXX XXXX XXXX with the Department of Education, but found that Navient converted my loans to private loans without my knowledge or consent in XXXX. My loans were Federal & should still have the protections guaranteed to such loans despite Navient being ineligible to service such loans. 

Sallie Mae & now Navient have both scammed me for considerably more money than I originally owed for my loans. As they gave me no proper information/documentation about either the Income Based Repayment Plan or the changing of my Federal loans to private, I have no files to upload other than any statements I can get from Navient of my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: NJ

Complaint narrative:
I am asking for your assistance regarding this misleading account that appears on my credit report. I have raised this issue because it has harmed my reputation, and I need your help. Your poor management of my credit report has put me in a difficult position, as this false information has ruined my reputation. You must eliminate this incorrect data from 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 non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I USED THIS CARD ON XXXXXXXX XXXX XXXX BECAUSE PNC E MAILED ME TO USE THE CARD SINCE I HAVE NOT USED IT SINCE XXXXXXXX ON XXXX XXXX, XXXX  PNC TOOK OUT MONEY FROM MY CHECKING ACCOUNT IN THE AMOUNT OF XXXX  WITHOUT MY AUTHORIZATION. THE FOLLOWING ARE THE PURCHASES DONE BEGINNING 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. THIS ARE THE TOTAL PURCHASES. THE DUE DATE SHOULD HAVE BEEN THE NEXT MONTH.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
On XX/XX/year> I filed my initial complaint against TransUnion for not working with or trying help me put a freeze on my credit. Since the large data breach involving XXXX numbers I have been notified that my social security number has been located on the dark web. 

It is critical that I have the ability to place a freeze on my credit. The other reporting agencies made it simple and easy to place a credit freeze, but TranUnion is making the process near impossible. 

Examples of TransUnion negligence are as follows. I called their XXXX number and waited on hold for over 45 minutes. A reading kept advising that I could hold my place in line and I would receive a call back by providing a call back number, which I did. I never received a call back. Another 2 times I tired using their online chat and that did not yield any positive results. The two individuals I " chatted '' with were beyond useless.

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 2024-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 

Please do not look at my credit report or report anything to my credit. I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 

PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 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: TN

Complaint narrative:
I urgently ask you to promptly remove the unauthorized accounts from my credit report. I did not authorize them, and they are causing me significant distress. Please correct this error without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
The previous dispute was closed without any attempted action whatsoever. I'm not seeking a contact from the company I'm seeking resolution. 
This medical debt was not properly charged to the insurance and should not have been sent to collections. The hospital made a billing error, sent that to collections, and sent it to the wrong address. XXXX has continuously lied about their contact efforts having never called me and never made an attempt to collect this debt. When they placed it on my credit report I contacted them to make a payment arrangement only to be told I must pay the entire balance or don't even bother paying. At the time of the hospitalization I had dual insurance companies- Friday ( XXXX ) and XXXX. Friday had a fully met deductible and covered hospital stays at 100 %. The hospital -only- billed XXXX for this. By the time XXXX attempted to collect this, the time period from Friday had waited so long the hospital could no longer attempt to charge it. This is a billing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report, as I have a letter from the court confirming it should not be reported. Additionally, an unauthorized third party is involved, which only adds to the seriousness of this situation. I do not consent to any fraud alerts being added to my file. I did not authorize, benefit from, or consent to any of the listed accounts from these companies. Please block and remove them immediately, as I have no knowledge of these accounts due to the Equifax and XXXX data breaches. All matters will be investigated by the CFPB and FTC. According to FCRA 605B, this information must be blocked until the investigation is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items 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 explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 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: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I am REWRITING to complaint to NATIONSTAR-MR COOPER about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XX/XX/year>. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: IL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my XXXX XXXX XXXX XXXX on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-10-01 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:
DUE TO XXXX, THESE ACCOUNTS WERE CREATED WITHOUT MY PERMISSION.

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 2024-10-01 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: MI

Complaint narrative:
This is in addition to my previous complaints. I have requested for one of my accounts to be closed because of identity theft. The account got compromised and I request for the credit bureaus to delete it from my credit report. The bank already closed it, I just need your help to remove it totally from my credit profile. I have attached the proof and letter that I received from XXXX themselves regarding this. That account is fraud and was used by the thieves. Please delete this fraud account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Along with the remaining fraud inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached here my FTC reports, IDs, and proof of address.

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 2024-10-01 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: MI

Complaint narrative:
This is in addition to my previous complaints. I have requested for one of my accounts to be closed because of identity theft. The account got compromised and I request for the credit bureaus to delete it from my credit report. The bank already closed it, I just need your help to remove it totally from my credit profile. I have attached the proof and letter that I received from XXXX themselves regarding this. That account is fraud and was used by the thieves. Please delete this fraud account : XXXX - XXXX - XX/XX/XXXX. Along with the remaining fraud inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have attached here my FTC reports, IDs, and proof of address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 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: MI

Complaint narrative:
This is in addition to my previous complaints. I have requested for one of my accounts to be closed because of identity theft. The account got compromised and I request for the credit bureaus to delete it from my credit report. The bank already closed it, I just need your help to remove it totally from my credit profile. I have attached the proof and letter that I received from XXXX themselves regarding this. That account is fraud and was used by the thieves. Please delete this fraud account : XXXX - XXXX - XX/XX/XXXX. Along with the remaining fraud inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have attached here my FTC reports, IDs, and proof of address.

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 2024-10-01 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.

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with explanation