vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-18 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX & XX/XX/XXXX ) XXXX XXXX XXXXccount XXXX Open XX/XX/XXXX I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your prompt action

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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 am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
I am requesting forgiveness of my student loan in the amount of {$88000.00}. I am currently facing significant financial hardship that has made it impossible for me to repay this debt, and I would like to explain my situation in detail. 
Due to my low XXXX XXXX, I have been unable to obtain higher-paying jobs that would allow me to manage my loan payments effectively. Furthermore, I am not eligible to return to graduate school at XXXXXXXX XXXX to improve my academic record and career prospects, as my XXXX XXXX does not meet their graduate admission requirements. 
With the current cost of living and an annual salary of {$40000.00}, I am struggling to make ends meet. This financial strain is exacerbated by the burden of my student loan. The presence of this debt on my credit report has severely impacted my debt-to-income ratio, preventing me from purchasing a car or renting an apartment. This situation has placed me in a precarious financial position and has limited my ability to improve my quality of life and pursue better opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX ) XXXXXXXX XXXX  account XXXXXXXX XXXX XXXXXX/XX/XXXX I m now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am now requesting proof of the previous investigation. Im asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/ NEVER LATE and send me a copy of my updated 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 explanation
Consumer complaint received 2024-05-18 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: CA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX ) shows 90 days late Experian shows 120 Days late ( XX/XX/XXXX ) both and reporting inaccurately XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX these inaccuracies in reporting are violating my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: CA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/2024 ) and ( XX/XX/2024 ) XXXX XXXX XXXX Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your prompt action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: OH

Complaint narrative:
I checked my credit reports some time ago and noticed I had a public record reporting that was not accurately being reporting and was not authorized to be furnished by myself nor the court that was listed on my reports. I contacted XXXX, Equifax, XXXX and XXXX XXXX about the inaccurate, incomplete, and completely forged information that was furnished on my reports. Each company said the court furnished this information, but I contacted the court and they said that they never report private information to the credit reporting agencies. I have attached the court 's letter as proof. THIS IS FORGERY BY XXXX XXXX XXXXXXXX, EQUIFAX, AND XXXX. I'VE TRIED MULTIPLE TIMES TO REMEDY THE SITUATION BUT EACH COMPANY FAILED TO UPHOLD THE LAW AND ARE VIOLATING MY RIGHTS AND CAUSING ME TO BE SEVERELY DEPRESSED AND INJURED. I NEED EACH COMPANY TO STOP VIOLATING MY RIGHTS AND PERMANENTLY BLOCK THE INFORMATION ASSOCIATED WITH THIS PUBLIC RECORD REPORTING ON MY REPORTS OR ELSE I WILL SEEK LITIGATION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I checked my credit reports some time ago and noticed I had a public record reporting that was not accurately being reporting and was not authorized to be furnished by myself nor the court that was listed on my reports. I contacted Experian, XXXX, XXXX and XXXX XXXX about the inaccurate, incomplete, and completely forged information that was furnished on my reports. Each company said the court furnished this information, but I contacted the court and they said that they never report private information to the credit reporting agencies. I have attached the court 's letter as proof. THIS IS FORGERY BY XXXX XXXX EXPERIAN, XXXX, AND XXXX. I'VE TRIED MULTIPLE TIMES TO REMEDY THE SITUATION BUT EACH COMPANY FAILED TO UPHOLD THE LAW AND ARE VIOLATING MY RIGHTS AND CAUSING ME TO BE SEVERELY DEPRESSED AND INJURED. I NEED EACH COMPANY TO STOP VIOLATING MY RIGHTS AND PERMANENTLY BLOCK THE INFORMATION ASSOCIATED WITH THIS PUBLIC RECORD REPORTING ON MY REPORTS OR ELSE I WILL SEEK LITIGATION

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I checked my credit reports some time ago and noticed I had a public record reporting that was not accurately being reporting and was not authorized to be furnished by myself nor the court that was listed on my reports. I contacted XXXX, XXXX, Transunion and XXXX XXXX about the inaccurate, incomplete, and completely forged information that was furnished on my reports. Each company said the court furnished this information, but I contacted the court and they said that they never report private information to the credit reporting agencies. I have attached the court 's letter as proof. THIS IS FORGERY BY LXXXX XXXX XXXXXXXX, XXXX, AND TRANSUNION. I'VE TRIED MULTIPLE TIMES TO REMEDY THE SITUATION BUT EACH COMPANY FAILED TO UPHOLD THE LAW AND ARE VIOLATING MY RIGHTS AND CAUSING ME TO BE SEVERELY DEPRESSED AND INJURED. I NEED EACH COMPANY TO STOP VIOLATING MY RIGHTS AND PERMANENTLY BLOCK THE INFORMATION ASSOCIATED WITH THIS PUBLIC RECORD REPORTING ON MY REPORTS OR ELSE I WILL SEEK LITIGATION

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX and XX/XX/XXXX ) XXXXXXXX XXXX account XXXX Open XX/XX/XXXX Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your prompt action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: PA

Complaint narrative:
On XX/XX/24 i have a collection for XXXX on my credit report from XXXX. I dont know how it happened because I never had a contract with XXXX and this is identity XXXX. Please contact them so they can stop damaging my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: VA

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX ) shows 90 days late XXXX shows 120 Days late ( XX/XX/XXXX ) both and reporting inaccurately XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX these inaccuracies in reporting are violating my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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: CA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX and XX/XX/XXXX ) XXXX XXXX account XXXX Open XX/XX/XXXX Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your prompt action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: DC

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: GA

Complaint narrative:
LMM Morris and Montgomery Lockhart is a collection agency that contacted me about paying XXXX for breaching my contract with my last employer XXXX XXXX XXXX company but my contract was never breached I had worked out my full contract with that company and even filed a dispute and sent over pictures of the last load I was working on during that time, which had the dates on them as proof that I was still employed with XXXX  after my contract was over. My hired date with XXXX XXXX was XX/XX/XXXX and my contract started with them on XX/XX/XXXX which was the first day I was dispatched. My last day of employment with them ( which you will see from the pictures that I took on the work tablet that has the dates recorded on them ) was on XX/XX/XXXX, which was the morning I returned my keys to the office. A month after my initial conversation with Lockhart collections ' I reached back out to them regarding an update on any information about the case, at first LockharXXXX collection claimed that they never received anything from my end regarding a dispute and then realized that they gave me the wrong email address my to send my documents to. When I resubmitted the documents to the new email address that was given I never received anything back regarding the dispute, I was simply told that someone would reach out to me about it but they never did and I just received an email regarding my credit report that this claim was put on my ( XXXX XXXX ) credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation