vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am lodging this complaint on my own behalf. Upon examining my credit record, I found instances of late payments. Despite sending letters more than 30 days ago, I have not received a response, nor have they provided satisfactory validation. I kindly seek your assistance in resolving this issue.

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 2024-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Dorough & Dorough, LLC
State: GA

Complaint narrative:
I contacted the debt collections attorney XXXX XXXX XXXX and his paraprofessional, XXXX XXXX XXXX, and the XXXX XXXX XXXX ( XXXX ) property manager XXXX XXXX, the XXXX corporate contact XXXX XXXX XXXX XXXX with regards to the disputed amount due in XX/XX/XXXX. All parties did not respond or did not respond appropriately and accurately when I sent the collections attorney the form back disputed the amount due. I sent the collections attorney XXXX XXXX XXXX with Dorough & Dorough , LLC and his paraprofessional XXXX XXXX XXXX the completed and signed form back and received an inaccurate ledger with an inaccurate amount due. The paraprofessional XXXX XXXX XXXX sent an email in XX/XX/XXXX, color coded with more inaccurate amounts due. I have paid the amounts owed for the HOA/assessments fees and sent them certified United States Mail with return receipt. I emailed all parties multiple times requesting that they correspond both via email and certified mail. They sent a ledger dated XX/XX/XXXX and not have sent an accurate amount due since, nor have they returned the returned receipt U.S. certified mail receipt through the USPS. I have not heard anything via email or U.S. mail from the collections attorney. I also paid the collections/attorneys fees with my payment which was held up in the mail processing center mail delays that we have been experiencing. I followed up by paying the past due amounts for the HOA/assessment fees through XX/XX/XXXX and again have not received a response from any of the parties involved. I have also followed up via email when I paid for and sent via XXXX mail, with a signature required, asking the collections attorney to consult with both XXXX and his office staff who signed for the mail that I sent with my payment.

Company response to consumer: Untimely response
Consumer complaint received 2024-06-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
XX/XX/XXXX I submitted request for School Misconduct Discharge Application from Navients Office of Consumer Advocate. They denied my request of the application stating that i did not qualify since my loans have been re-financed, however my loans are still under ownership of Navient. 

I have {$100000.00} in loans from the for-profit school, XXXX XXXX XXXX this school and Navient have been in several class action lawsuits, which borrowers claim they mislead students and Navient of predatory loan practices. These loan practices and over-promises from the XXXX XXXX have negatively impacted my financial situation and mental health significantly. In the past 12 years i have paid {$80000.00} towards interest without going to the original principle. 
In XXXX of XXXX i could no longer make payments to these loans due to their significant impact on me financially, my credit score has gone from close to XXXX to a low XXXX. 

Under the Borrow Defense Act, all of my federal student loans have been erased through and i have gotten back my paid amounts. I am asking Navient to take the same responsibility in their actions, as these loans violate my rights as a consumer. I have acquired legal counsel to discharge these loans and re-compensate in full of payments made in past to these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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 lodging this complaint on my own behalf. Upon examining my credit record, I found instances of late payments. Despite sending letters more than 30 days ago, I have not received a response, nor have they provided satisfactory validation. I kindly seek your assistance in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 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: FL

Complaint narrative:
I am lodging this complaint on my own behalf. Upon examining my credit record, I found instances of late payments. Despite sending letters more than 30 days ago, I have not received a response, nor have they provided satisfactory validation. I kindly seek your assistance in resolving this issue.

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 2024-06-03 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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 an account without my written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report 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 non-monetary relief
Consumer complaint received 2024-06-03 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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 an account without my written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report 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 2024-06-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: GA

Complaint narrative:
I purchased a {$500.00} vanilla visa gift card which is serviced by incomm financial services, I used the gift card at XXXX to purchase some items. Soon after I had to return the items because I had no use for them anymore, and now incomm has frozen the gift card and is now requesting information that I no longer have access to in order to unfreeze gift card, they want original gift card receipt purchase, they also wants receipt of items I purchased and the receipt issued when I returned said items. Which I no longer have because I never in my wildest dreams thought this would happen. This must be a scam by them to pocket money!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XXXX XXXX I transferred {$350.00} from my XXXX XXXX account, to my paypal account.. the transfer completed on XXXX XXXX end ( i have documents to prove it ) but the {$350.00} never showed in my paypal balance. The money went unclaimed and that was the first time i ever saw something like that on my paypal account. I didnt know you had to wait 30 minutes or that i can go to accept the payment so i decided to hit the refund option. Well i havent saw my {$350.00} since then. It is now XXXX and i finally got a response from someone and now their back to not responding, and the customer service representatives are no help none what so ever. I have a response from XXXX XXXX  telling me if i show my XXXXXXXX XXXX statements from XXXX XXXX they will give me a reimbursement. I havent heard from him since and all of the customer service representatives just tell me its completed on their end they cant help. I just want what is mines back. Its been well over 30 days. This is unacceptable, again i have all proof of what im saying my XXXX and XXXX XXXX XXXX statements will show I didnt receive the {$350.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-04 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: IL

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX ACCOUNT # XXXX in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
Huntington Bank reported my balance to the credit bureaus as {$220.00} on XX/XX/XXXX, right in the middle of my billing cycle. They were NOT supposed to report that balance at that time. My Statement Opening Date was XX/XX/XXXX and the Statement Closing Date was XX/XX/XXXX. They should have reported my balance after the Statement Closing Date which would have given me a {$0.00} balance, not the {$220.00} balance that they reported. I had plenty of time to pay down my balance before the Statement Closing Date which I did. And it is normal to report AFTER the Statement Closing Date, not right in the middle of my payment cycle. The only reason they reported that balance on XX/XX/XXXX was because I requested a stop payment to XXXX because my records showed them charging me twice for something I ordered. They said they would do that for me and they did. But their normal procedure when it comes to an issue like that is that they totally stop and shut down the credit card and reissue another one. So because of that they went and reported the closed and reissued card along with the balance on that date which was XX/XX/XXXX. I filed a dispute with Huntington Bank and they told me that their records confirmed that their information for my account was accurate. I understand that they had to report the new card, but the balance they reported was right in the middle of my billing cycle. That was wrong. It brought down my credit score XXXX points. Please have them make the correction of the {$0.00} balance that I had at the end of my Statement Closing Date so that all the credit bureaus can restore the XXXX points that was wrongfully taken from me because of their mistake. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK
State: FL

Complaint narrative:
I transferred my paycheck from my discover account to my XXXX XXXX for convenience after fees for XXXX were taken out. After a XXXX balance, I borrowed {$150.00} more from XXXX app and it shows as being deposited in to my account but never reflected on my balance. I reached out to XXXX and it wasnt their fault. I reached out to my bank on multiple occasions and was told many different things and now they are refusing to investigate where my money is, give a refund or anything

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: NC

Complaint narrative:
I XXXX XXXX XXXX, just recently obtained my credit report on XX/XX/XXXX. I noticed numerous unauthorized hard inquiries that did not have permissible purpose according to the Fair Credit Reporting Act. Anything furnished on my credit report must have permissible purpose according to 15 U.S.C. 1681b. See Exhibit A. 

XXXX ). XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX : This inquiry has no permissible purpose to be on my report. Please correct the filing and delete this inquiry due to violation of 15 U.S.C. 1681b 2 ). XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX : This inquiry has no permissible purpose to be on my report. Please correct the filing and delete this inquiry due to violation of 15 U.S.C. 1681b 3 ). XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX : This inquiry has no permissible purpose to be on my report. Please correct the filing and delete this inquiry due to violation of 15 U.S.C. 1681b 4 ). XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX : This inquiry has no permissible purpose to be on my report. Please correct the filing and delete this inquiry due to violation of 15 U.S.C. 1681b 5 ). XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX : This inquiry has no permissible purpose to be on my report. Please correct the filing and delete this inquiry due to violation of 15 U.S.C. 1681b 6 ). XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX : This inquiry has no permissible purpose to be on my report. Please correct the filing and delete this inquiry due to violation of 15 U.S.C. 1681b

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 2024-06-04 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: CA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> 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 general, 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 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 2024-06-04 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: CA

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX 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 2024-06-04 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: CA

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX 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 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Full name requires correct input with software for proper database storage and name association with XXXX XXXX XXXXXXXX XXXX ( XXXX ) full name XXXX XXXX. abbreviation mandate was entered into system with excess characters to first name that is three characters and software autoformat unable to place space independently printed customer name error report in association to social security number. Account was not issued. Application pending.

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 2024-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
I was contacted via a phone call from XXXX. They left an electronic voicemail stating, " Hello, we are calling from Medicredit on behalf of XXXX XXXX This is a call from a debt collector. Please return our call at XXXX Monday through Friday during normal business hours. Again, we are calling from Medicredit on behalft of XXXX XXXX. This ia a call from a debt collector. Please return our call at XXXX Monday through Friday during normal business hours. Thank you. '' There is no hospital called XXXX XXXX  that I have had any treatment from, and there is no XXXX  in my area for XXXX miles called XXXX XXXX This is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
A payment was made to the company Service Financial Inc.however since XXXX they have been sending recorded messages that they have not received payment. Then forwarded to them a screenshot from the bank that shows date paid and date of withdrawal from my account. Yet no one knows where the payment is from this company

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