vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-02 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: GA

Complaint narrative:
On XX/XX/2018 I received this email from XXXX XXXX, on behalf of XXXX XXXX Good Morning XXXX, Both my XXXX, XXXX XXXX ( XXXX ) along with Associate Director, XXXX XXXX ( XXXX ) are working on your situation with following resolutions : Will be submitting a refund Will be removing you from course as well as grade not impacting XXXX and then being registered for upcoming XXXXXXXX XXXX 


Regards, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If I am unavailable and you need immediate assistance, please call Toll-Free Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Description : Description : Description : XXXXXXXX XXXX XXXXXXXX : XXXX : XXXX : Description : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Not only did they not follow through on handling the financial error, but this account has been negatively impacting my account and credit report as a result of the incorrect and fraudulent information. XXXXXXXX XXXX attempted to get me to repeat and charge me for a course that I had already completed and now is still trying to collect on my for a course I was never supposed to be in. This is why XXXX XXXX XXXXXXXX promised to fix it but never did. This MUST be removed from my credit report immediately.

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 2024-07-02 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: GA

Complaint narrative:
On XX/XX/year> I received this email from XXXX XXXX, on behalf of XXXXXXXX XXXX, Good Morning XXXX, Both my XXXX, XXXX XXXX ( XXXX ) along with Associate XXXX, XXXX XXXX ( XXXX ) are working on your situation with following resolutions : Will be submitting a refund Will be removing you XXXX XXXX  as well as grade not impacting XXXX and then being registered for upcoming XXXXXXXX XXXX 


Regards, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If I am unavailable and you need immediate assistance, please call Toll-Free Phone : XXXX, ext. XXXX MAIN : XXXXXXXX XXXX XXXXXXXXXXXX XXXX : XXXX EMAIL : XXXX FAX : XXXX Description : Description : Description : XXXXXXXX XXXX XXXXXXXX : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX at XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Not only did they not follow through on handling the financial error, but this account has been negatively impacting my account and credit report as a result of the incorrect and fraudulent information. XXXX XXXX attempted to get me to repeat and charge me for a course that I had already completed and now is still trying to collect on my for a course I was never supposed to be in. This is why XXXXXXXX XXXX XXXXXXXX promised to fix it but never did. This MUST be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/year> I received this email from XXXX XXXX, on behalf of XXXXXXXX XXXX, Good Morning XXXX, Both my manager, XXXX XXXX ( XXXX ) along with Associate XXXX, XXXX XXXX ( XXXX ) are working on your situation with following resolutions : Will be submitting a refund Will be removing you from course as well as grade not impacting XXXX and then being registered for upcoming XXXX term. 


Regards, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Hours : M : XXXX ; Tu : XXXX ; XXXX : XXXX ; XXXX : XXXX ; F : XXXX If I am unavailable and you need immediate assistance, please call Toll-Free Phone : XXXX, ext. XXXX MAIN : XXXX X XXXXXXXX XXXX : XXXX EMAIL : XXXX FAX : XXXX Description : Description : Description : XXXX University XXXX : XXXX : XXXX : Description : http : //nau.edu/uploadedImages/Academic/COE/CACREP_Logo.gif Stay connected with us on XXXX at XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX _______________________________________________________________ Not only did they not follow through on handling the financial error, but this account has been negatively impacting my account and credit report as a result of the incorrect and fraudulent information. XXXXXXXX XXXX  attempted to get me to repeat and charge me for a course that I had already completed and now is still trying to collect on my for a course I was never supposed to be in. This is why XXXX and XXXX promised to fix it but never did. This MUST be removed from my credit report immediately.

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 2024-07-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
My spouse, XXXX XXXX has filed several complaints with the CFPB, most recently complaint ID XXXX. In that they have continued to maintain that SoFi has made the business decision to close the account, and that she is not due any further funds. I would make two separate notes relative to that 1 ) the {$400.00} to fund the SoFi account was from a joint bank account of which she is an owner. These funds have still not been returned to her or myself.

2 ) The two paychecks listed below that were paid to me, were deposited in her account. While it was an honest error that these funds went to an account that I did not realize was not setup jointly, there have been no attempts to return the funds to the originators. I have notified my employer at XXXX and can be reached via phone at ( XXXX ) XXXX regarding the situation and that the funds XXXX ultimately be returned so they could appropriately be returned to me. I am providing payslips and the opportunity to provide XXXX any additional information needed to expedite the return of these funds to me. The funds were frozen in XX/XX/year> and there has been no ETA for the return of these funds. While I respect the business decision of SoFI to close the account, I respectfully request that they take adequate due process to work with me such that the funds are returned to the originator in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
On XX/XX/year> I received this email from XXXX XXXX, on behalf of XXXX XXXX Good Morning XXXX, Both my XXXX, XXXX XXXX ( XXXX ) along with Associate XXXX, XXXX XXXX ( XXXX ) are working on your situation with following resolutions : Will be submitting a refund Will be removing you from course as well as grade not impacting XXXX and then being registered for upcoming XXXX term. Regards, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If I am unavailable and you need immediate assistance, please call Toll-Free Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not only did they not follow through on handling the financial error, but this account has been negatively impacting my account and credit report as a result of the incorrect and fraudulent information. XXXX XXXX  attempted to get me to repeat and charge me for a course that I had already completed and now is still trying to collect on my for a course I was never supposed to be in. This is why XXXX and XXXX promised to fix it but never did. This MUST be removed from my credit report immediately.

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 2024-07-02 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: GA

Complaint narrative:
To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX Account Number XXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
2. The date you contacted the individual funishers of information. 
3. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
I received an email from the company stating that my phone number had been changed. 
I did not make this change. I have not requested any changes to my account. I contacted the company. I informed the company I did not have access to my online account since receiving the email notification that the phone contact number had been changed. I do not have a phone number. Never did. I do not receive calls or text. I do not make phone calls or receive messages or send text or receive text. I was operating to my satisfaction with access to the account up until the notice of change in contact information i.e. phone number. I have not had a response that addresses the unauthorized changes to my account. I have been charged interest and fees that need to be reversed and refunded. I have not received an email from the credit card or the store since being notified of a change to account information.

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 2024-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CO

Complaint narrative:
I have been referred to collections over a misclassification of a medical debt and the collections company is still trying to collect the debt after I have let them know the circumstances of the debt and why this is not what I owe to the company. 

On XX/XX/XXXX my XXXX XXXX XXXX daughter XXXX XXXX ) was ordered mandatory ambulance transportation from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) to XXXX XXXX XXXXXXXX XXXX  XXXX XXXX ( XXXX XXXX ). Due to dangerously low pulse oximeter readings she needed to be transported via ambulance so she could continue receiving oxygen during the trip. Following this trip XXXX was admitted to XXXX XXXX XXXX and she spent the night there on oxygen. 

Something happened in the medical billing that has resulted in my family being billed {$2500.00} for this trip. I am attaching the bill from XXXX XXXX that details we owe {$120.00} for this trip. I have called XXXX XXXX XXXX on XXXX separate occasions ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) because we do not owe what they are asking for. During each call the representative has assured me that they are working to fix the issue and to please give them 'two weeks ' to fix the issue and issue a new bill. I have never received a corrected bill from them. 

I received a letter dated XXXX, XXXX, XXXX from a debt collection agency by the name of Credence asking for me to pay the full {$2500.00}. I responded to their letter and have been told 'We have investigated your dispute and verified the charges on your account are valid. '

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 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: FL

Complaint narrative:
I Reviewed My Consumer Reports Recently and Found That My Rights Were Being Violated Under the FDCPA. There Were Debts On My Report That i Did Not Give Permissible Purpose to Furnish My Information, which is in violation of the FDCPA.

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 2024-07-02 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: DE

Complaint narrative:
I am filing this complaint to address the violations of federal laws by the following accounts and credit bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to XXXXXXXX XXXX XXXX  ( XXXX ), credit bureaus are obligated to ensure the maximum possible accuracy of the information they report. The inaccuracies in my credit reports violate the following laws : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ), and XXXX XXXX XXXX XXXX b ). Therefore, I request the deletion of these inaccurate accounts. 

Account Details : Account : XXXX Issue : Incomplete Information Details : XXXX shows a high limit of {$320.00}, while the other credit bureaus show nothing. Additionally, there are XXXX different dates of last activity : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Violation : This discrepancy violates 15 USC 1681e ( b ). 

Account : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX shows a high limit of {$410.00}, while the other credit bureaus show nothing. Additionally, there are XXXX different dates of last activity : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Violation : This discrepancy violates 15 USC 1681e ( b ). 

Account : Credit Acceptance Issue : Inconsistent Payment Status Details : The payment status differs between the XXXX credit bureaus : XXXX : XXXX  days past due Experian : XXXX days past due XXXX : At least XXXX days past due Additionally, there are XXXX different dates of last activity : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Violation : These discrepancies violate 15 USC 1681e ( b ). 

Account : XXXX Systems Issue : Incorrect Account Types Details : The account types are inconsistent : XXXX : Open account Experian : Collection XXXX : Collection Additionally, the dates last reported are inconsistent : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX ( with no reporting from XXXX ) Additionally, there are XXXX different dates of last activity : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Violation : These discrepancies violate 15 USC 1681e ( b ). 
Conclusion : If there is XXXX source of information, the reported data should not vary. These discrepancies prove that an actual investigation never took place. Therefore, I demand the deletion of the inaccurate accounts from my credit reports.

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 2024-07-02 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:
im a victim of fraud and someone fraudulent used my imformation such as my ssn to open up fraudulent accounts

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 2024-07-02 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:
im a victim of fraud and someone fraudulent used my imformation such as my ssn to open up fraudulent accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 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:
im a victim of fraud and someone fraudulent used my imformation such as my ssn to open up fraudulent accounts

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 2024-07-02 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: CA

Complaint narrative:
Several fraudulent charged off accounts are being reported on my credit report with a past due balances. Fraudulent accounts can not be reported with past due balances. I have reported these fraudulent items to the Federal Trade Commission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 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: TX

Complaint narrative:
I was looking at my Consumer Report from all 3 Agencies ( XXXX, XXXX, transunion ) and notice that per 15 USC 1681s-2 that several companies were furnishing inaccurate and incorrect information on my Consumer Reports. The IRS clearly defines a charge-off as Gross or Ordinary income. Income does not get reported on Consumer Reports which makes the reporting of the accounts listed below inaccurate and incorrect reporting. IRS also states that even if you did not receive a 1099-C you must report cancelled debt as gross income on your tax return. Lender must file form 1099-C and send consumer a copy if the amount of debt cancelled is {$600.00} or more and the Lender is a Financial Institution, Credit Union , Federal Government Agency , or other applicable entity. Cancelled debt or charge-offs are income. I've never received a 1099-C from any of the companies listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-02 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: TX

Complaint narrative:
I was looking at my Consumer Report from all 3 Agencies ( equifax, XXXX, XXXX ) and notice that per 15 USC 1681s-2 that several companies were furnishing inaccurate and incorrect information on my Consumer Reports. The IRS clearly defines a charge-off as Gross or Ordinary income. Income does not get reported on Consumer Reports which makes the reporting of the accounts listed below inaccurate and incorrect reporting. IRS also states that even if you did not receive a 1099-C you must report cancelled debt as gross income on your tax return. Lender must file form 1099-C and send consumer a copy if the amount of debt cancelled is {$600.00} or more and the Lender is a Financial Institution, Credit Union , Federal Government Agency , or other applicable entity. Cancelled debt or charge-offs are income. I've never received a 1099-C from any of the companies listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation