vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have now been in the process of trying to have items removed due to XXXX XXXX with Equifax for over a year now. I have submitted all the documentation requested and it was the same documentation that worked to have items removed in the past. Not only are the employees in the department that handles these cases disturbingly XXXX and XXXX but their gaslighting is also an entire issue for me. I am currently still dealing with being a victim of human trafficking and it makes no sense that every time I call I am being met with customer service representatives who have attitude and nasty behaviors. I feel like the reason my disputes are being denied is because of retaliation towards me. There's no reason a victim of XXXX  XXXX XXXX  should be dealing with this. Today on XX/XX/year>, I contacted Equifax and spoke with a representative named XXXX, she was very microaggressive toward me because I advised her that I mailed a dispute to the company that according to my tracking information was received on XX/XX/year>. I wanted to know why the letter was still sitting there and when they picked the mail up. This was met with an attitude, of rudeness and I advised her I would like to speak to a supervisor and she mentioned that she's the highest form of contact. I advised her that there was someone above her. We got into an argument and then she disconnected the call. I called back to that actual customer service line and I was transferred back to that department, XXXX answered the phone and I'm sure she knew it was because you could hear the disdain and aggravation in her voice ( XXXX my disdain from being XXXX from childhood until adulthood by people trafficking me ). She then disconnected the call before I could even say anything. I called the department back and XXXX answered the phone again she sighed with aggressiveness and transferred the call to someone named XXXX. Once XXXX got on the line ; I was met with straight combativeness and an attitude. Every time I tried to speak XXXX began trying to talk over me. She then argued with me that she had just spoken with me even though I told her that was inaccurate. I was speaking in my regular tone and then XXXX began stating that I was yelling at her ( I wasn't ), I continued to try to speak and XXXX began to give me warnings and I advised her that it was very microaggressive to say a XXXX person is screaming because you don't like the tone in which they are speaking. Disgusting behavior that I did record and will be sent to an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MD

Complaint narrative:
Nelnet is charging me interest on my student loans, even though they are placed in stopsave forbearance at 0 % interest since XX/XX/XXXX. They also emailed me to confirm that the ED directed them to put it in forbearance. 

Ive actually paid some of my loan, and some of that payment went to interest, over XXXX weeks after the judgement. Now, almost 2 months after judgment, more interest is still accruing. 

Ive tried to reach out, but was unsuccessful over multiple attempts over many hours. They do not answer their chat, their email service is down, and cant contact anyone over the phone. 

This is unacceptable and these illegal practices are directly harming me as a consumer. This is directly not allowing me to make payments as directed by the ED, and is in turn, delaying my end payoff date, increasing their own profits. This is extremely dangerous territory, and adding to the issue of student loans. The issues with not even being able to contact my loan servicer is also unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

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 explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Private student loan servicer : My loans were taken out with Sallie Mae and were sold off to Navient. On XX/XX/year> my father who is my co-signer, called into Navient, agreed to make a large lump sum payment of {$69000.00} using his retirement early which he was penalized for, in the agreement that my loans would be paid for in full and we would owe nothing thereafter as I could not afford a minimum monthly payment of {$1200.00}. Since then, I have been making monthly payments with interest payments because they never removed the last loan like they were supposed to. I have not spoken to this company in many months because I got nowhere with them. They lied to him and continued to do the same to me. After seeing that Navient is a fraudulent company and plans to sell off my remaining balance again to XXXX I am compelled to seek an attorney at this point fight them on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: W&A Intermediate Co., LLC
State: MO

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear WAKEFIELD & ASSOCIATES, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Missouri state law concerning identity theft and consumer protection. 

It has come to my attention that WAKEFIELD & ASSOCIATES has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as stated in the FCRA, mandates that consumer consent is required for such reporting activities under Section 1681b ( a ) ( 2 ).

Additionally, under Missouri law, specifically 570.223 of the Missouri Revised Statutes, identity theft is strictly prohibited, including the unauthorized use or misuse of an individuals personal identifying information. The unauthorized access and reporting of my credit information without consent could be considered a violation of this statute, alongside the federal FCRA provisions.

I assert with certainty that I have not provided consent for WAKEFIELD & ASSOCIATES to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, resulting in potential damage to my creditworthiness and a disregard for both federal and state laws.

I demand that WAKEFIELD & ASSOCIATES immediately ceases any further reporting of information to my credit report without my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant Missouri statutes, including 570.223 regarding identity theft. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including identity theft statutes. 

This is a formal demand for compliance with both federal and Missouri state laws, protecting consumers like myself from unauthorized and damaging credit reporting. I expect your immediate attention to this matter and anticipate that WAKEFIELD & ASSOCIATES will promptly rectify these violations, respecting my rights under the law. 

Done in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX I have requested to see Verifiable Proof ( an original Consumer Contract with my Signature on it for XXXX XXXX. ) Per Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), You have no legal right or juridiction obtained by me to collect on this account.

I demand Proof that the Statute of Limitations has not expired on this account. 

I hereby request that the accounts be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It has come to my notice that several accounts have been established without my explicit consent, tarnishing my credit report and financial reputation. 

I have taken immediate action to address this unfortunate situation by submitting various documents that substantiate my claim of not being affiliated with these fraudulent accounts. I have also reported the incident to local law enforcement, resulting in the filing of a formal police report. Furthermore, I have lodged a complaint with the Federal Trade Commission ( FTC ) to document this egregious violation of my personal information. 

In light of the aforementioned steps taken to rectify this issue, I kindly request that your esteemed institution initiates a thorough reinvestigation into the matter at hand. It is imperative that the erroneous entries on my credit report, stemming from the unauthorized accounts opened in my name, are promptly removed to prevent any further damage to my financial standing.

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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It has come to my notice that several accounts have been established without my explicit consent, tarnishing my credit report and financial reputation. 

I have taken immediate action to address this unfortunate situation by submitting various documents that substantiate my claim of not being affiliated with these fraudulent accounts. I have also reported the incident to local law enforcement, resulting in the filing of a formal police report. Furthermore, I have lodged a complaint with the Federal Trade Commission ( FTC ) to document this egregious violation of my personal information. 

In light of the aforementioned steps taken to rectify this issue, I kindly request that your esteemed institution initiates a thorough reinvestigation into the matter at hand. It is imperative that the erroneous entries on my credit report, stemming from the unauthorized accounts opened in my name, are promptly removed to prevent any further damage to my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: S.B.S. Trust Deed Network
State: CA

Complaint narrative:
On XX/XX/2024, the company received {>= $1,000,000} on my behalf and was supposed to forward it to me. They converted it to their personal use. They do not deny this. They have slowly been making partial payments.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint personally regarding late payments appearing on my credit record. Upon examining my files, I discovered these late payment entries. I sent correspondence about this issue more than 30 days ago, but have yet to receive any response or adequate validation. I'm seeking your help to address and resolve this situation quickly and efficiently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Yes I have reached out several times to get this issue resolved which is really hindering my progress in starting my business there is an account from XXXX XXXX XXXX  amount of {$4100.00} opened XX/XX/year> this account only shows on transunion credit report and they have not been able to provide any documentation showing original contract and signatures I demand that this be removed 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 2024-09-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson CapitalSystems Account # XXXX XXXX XXXX {$1100.00} I never had a contract with this debt collector for any debt. In XXXX and XX/XX/2024, I requested written validation please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. They never responded. 

Additionally, I never had an account with XXXX. JEFFERSON CAPITAL failed to provide me original signed contract.

I requested validation and proof of this debt via certified mail. Receipt returned XX/XX/2024 that they received noticed. This company failed to provide me with validation and proof that I have a contract with them. Please investigate this item or please delete from my credit report. 

Additionally, this debt that is not mine was sold to XXXX XXXX XXXX in XX/XX/2024 and to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-09-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TRANSWORLD SYSTEMS INC
State: VT

Complaint narrative:
I have a private student loan from XXXX XXXX XXXX serviced by XXXX XXXXXXXX XXXX. Every time a payment fails, I am charged a fee of about {$30.00}. This has at times been an issue on their end and their customer support is not generally helpful. 

Furthermore, their notification process is slow and requires me to log into a website that barely functions, often leading to additional late fees. Altogether, it feels like a predatory scheme to extract even more money from borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2024-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have made multiple efforts to rectify the fraudulent, inaccurate, and misleading information on my consumer report, but the issue persists. These erroneous entries have severely affected my well-being, causing considerable distress. It is important to emphasize that I never authorized or agreed to have this information linked to my identity, as I have been a victim of identity theft.

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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation