vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: MO

Complaint narrative:
I have sent documents in XXXX of XXXX to the debt collector XXXX, XXXX, XXXX and XXXX XXXX. Stating this debt does not belong to me. I have also requested several times to update all my contact information with all XXXX  bureaus. It still shows on my credit report as a closed account, this hurting my score. The fact that the balance increases. I do not owe anything to Wakefield & Associates nor do I recall visiting any hospital as the date shown on my credit report with Wakefield Associates nor have I ever done any business with their company past or present. I have requested that this information is to be removed and deleted as soon as possible. This is in violation of my rights according to the fair credit reporting act. someone is not marking the dispute information properly As far as XXXX is concerned they refuse to update any personal information on my credit report, names addresses phone numbers. With them being noncompliant I was force to place a fraud alert and security freeze on my credit report. 

I also filed bankruptcy in XXXX, I ask all XXXX agencies XXXX, XXXX, XXXX, XXXX XXXX and XXXX how was this information received and how was this information placed on my credit profile with written or verbal consent. 
I sent a letter to bankruptcy court as they responded by stating that they do not report to credit bureau. I have contact XXXX XXXX and XXXX requesting to which both company stating they do not report to any of the bureau. XXXX XXXX claims they have not provided my personal information to any of the XXXX bureaus. I was never ask nor Have I never given my consent verbally or written to place bankruptcy on my credit report. I'm well aware that this is public information, I never consented to place public information on my private credit report. The reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681 ) and the information must be deleted immediately. 

I also open a credit card with XXXX  XXXX back in XXXX of XXXX the credit card was closed in XXXX of XXXX. I requested a paid in full letter as well as a removal remark letter from my credit report since the balance as been paid in full. Instead I receive something stating this will remain on my credit report until XXXX. I request that information must be deleted immediately. 

Inquires- I purchased a vehicle on Saturday XX/XX/XXXX of XXXX without a pre-approval letter. In XX/XX/XXXX all inquires should have been removed from my credit report they remain. It would be dishonorable of to say these things are taking place to my demographics. 

I request that all information is updated with completeness and accuracy. If request can not be met I will be force to seek legal actions according to the violations that I have experienced.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 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: TX

Complaint narrative:
I have accounts on my credit report as a result of fraud and identity theft. Letters and letters of the law have been sent to all three credit bureaus. I have also submitted an affidavit and police report. I request for these unauthorized items to be removed. The following collections and accounts, XXXX XXXX XXXX XXXX  for the amount of {$13000.00} ; XXXX XXXX XXXX account XXXX ( XXXX XXXX ) XX/XX/XXXX for the amount in {$370.00} ; XXXX XXXX account XXXX XX/XX/XXXX for the amount in {$480.00} ; XXXX XXXX XXXX XXXX XXXX account - XXXX XX/XX/XXXX for the amount of {$520.00}

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 2023-12-02 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: TX

Complaint narrative:
TransUnion XXXX XXXX is breaking the consumer law pertaining to XXXX XXXX Account # XXXX Ive uploaded documents I need this corrected immediately and this is a violation Ive lost thousands of dollars and mentally aggravation if this is resolved I will have no choice to move forward with 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 2023-12-02 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: TX

Complaint narrative:
XXXX Experian XXXX is breaking the consumer law pertaining to XXXX XXXX Account # XXXX Ive uploaded documents I need this corrected immediately and this is a violation Ive lost thousands of dollars and mentally aggravation if this is resolved I will have no choice to move forward with 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 2023-12-02 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: TX

Complaint narrative:
XXXX Experian XXXX is breaking the consumer law pertaining to XXXX XXXX Account # XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this is resolved I will have no choice to move forward with 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 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: NV

Complaint narrative:
My cousin was given a paper work not hiding information or in a envelope. Just a paper displaying all information and he was told I am being sued by Crown Asset Management. Important paperwork like this kind should be at least in a envelope not out for everyone to see my information. 

From my understanding if I am being sued the paperwork should have been given to me personally not someone else other than me. Especially if I was not at the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 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: TX

Complaint narrative:
I have accounts on my credit report as a result of fraud and identity theft. Letters and letters of the law have been sent to all three credit bureaus. I have also submitted an affidavit and police report. I request for these unauthorized items to be removed. The following collections and accounts, XXXX XXXX XX/XX/XXXX for the amount of {$13000.00} ; XXXX XXXX XXXX account XXXX ( XXXX XXXX ) XX/XX/XXXX for the amount in {$370.00} ; XXXX XXXX account XXXX XX/XX/XXXX for the amount in {$480.00} ; XXXX XXXX  ( XXXX  ) account - XXXX XX/XX/XXXX for the amount of {$520.00}

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 2023-12-02 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: Velocity Portfolio Group
State: MD

Complaint narrative:
I am in process of purchasing a home and have found multiple accounts under my name that I had no knowledge of. I did have to get my bank account updated several times due to identity theft. After denying the said accounts, the companies not only not provide accurate information proving the account to be mine, but failed to show investigation evidence of doing so. This is defamation of character.

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 2023-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
Hello I contacted the bank on the XX/XX/XXXX after I got notification on my phone there was a negative balance after somebody attepet3d too hack my account and my business partner it was a charge of XXXX cent that came out off my debit card then they put it back in the bank had me on hold too look into it and the rep came back too the phone and said the attempted too do your business partner the same way they took out XXXX cent and put back in all I. The process I was on phone with rep truist charged my.account overdraft fees because the fraud er made 4 transactions n 2 mind both taking out the some of XXXX and putting it back in each time charged my account XXXX dollars at the time I had over a XXXX XXXX something dollars I. The account the rep said I definitely can see fraud happening as we speak fro.a. company called XXXX or something of that nature the rep request me too order new cards but unfortunately since the charges are pending they can't dispute it until items stop pending I called back again next day after noticing I deposited XXXX dollars XXXX after a load delivery my account has become I. The negatives I only used my card in XXXX al not XXXX I told the bank I want too dispute all charged if you would have blocked the merchant or whomever that was drains my account first this would've never happen the insured me they will get my money back asap I receive a email saying they not honoring my.claim I'm so confused I deposit XXXX too a XXXX weekly they took XXXX dollars multiple times over the holidays this isn't fair at all and i. Top of that she told me my over draft fees will be rienbursed because the ppl who attempted too take Money agian took it out and put same amount rite back in all n a XXXX min span on both mtle and my partners card 2 separate transactions I want suppose too even be charged anything If I caught it there was XXXX other transactions I disputed all dealing with the same.claim over XXXX dollars and rep of truist seen it with her own XXXX eyes on Her side she told me call back wen it stop pending and we will reimburse you those over draft fees because the MOney never came out now all a.sudden my.account went from. Current too a negative XXXX dollars this isn't good customer service nor do it seem my account is protected I have made same deposits every week nor was I in XXXX al at time they I have a copy of claim ID please Investigate this matter we work too hard too be robbed like this nevernhappen before.i. my life thanks XXXX bless the claim number XXXX XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 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: TX

Complaint narrative:
TransUnion XXXX XXXX is breaking the consumer law pertaining to : XXXX account # XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost XXXX  of dollars and mentally aggravation if this is resolved I will have no choice to move forward with 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 2023-12-02 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: TX

Complaint narrative:
XXXX XXXX Equifax is breaking the consumer law pertaining to : XXXX account # XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost XXXX  of dollars and mentally aggravation if this is resolved I will have no choice to move forward with litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
So first, I saw an additional XXXX in my student account coming out of no where. They first told me they were taking it off my subsidized loans which I did not see being taken off. Then I was told after a XXXX minute conversation, of them trying to convince me that I was getting the benefit from this, which I completely disagreed since it had nothing to do with me or my loans. That I would not see those charges after Tuesday. Then when I look at my account today ( saturday ), I see XXXX being charged in my account. I am so confused, I am not going to be earning enough money to pay off random money that is being sent to my account. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 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: TX

Complaint narrative:
was going over my credit report and noticed this account : Account Name XXXX XXXXXXXX Account Number XXXX reporting an account sent to collection in the amount of {$210.00}. This account does not belong to me nor am I familiar with the company XXXX. I believe this account is falsely reported due to the following facts : The account shows it was opened XX/XX/XXXX for the amount of {$840.00}. However, the account is only reporting since XX/XX/XXXX an amount due of {$210.00}. The data also shows a payment of {$110.00} was made in XX/XX/XXXX, but the balance did not go down in XX/XX/XXXX. The data then again states that a payment of {$0.00} was made XX/XX/XXXX. Was a payment for {$110.00} made on this account or not? The original balance for the account is misleading. Because it clearly shows two completely different amounts in the original balance, discrepancies in the payment amount made and when, and because i know that this it is incorrectly and falsely reported to my credit because of the fact that it is not my account, this must be removed from my report immediately. I am requesting that this account be removed from my report immediately as it violates my rights as a consumer. This negative reporting is hindering my abilities to qualify for loans.

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 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX  Delete this immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 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: DE

Complaint narrative:
There were modifications made to this account When in fact it should be blocked from my account. They have failed to block this information from my account. The account is coming back verified but When I sent in a letter check for verifying this information there were modifications made from my own discovery. Which indicated to me there company isn't being honest and just updating the information " AS VERIFIED '' this account is FRUAD, there's no truth to these 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 2023-12-02 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: MOHELA
State: OH

Complaint narrative:
I have attempted to contact my loan service provider MOHELA via calls and email about the administrative forbearance I was placed on in XX/XX/2023 without my knowledge or consent.I currently have {$16000.00} in student loans with {$190.00} in interest as of XX/XX/2023. I am currently on the SAVE plan which has me on a XXXX $ XXXX payment plan and am supposed to have any accruing interest subsidized after a payment date has passed. These payments should be counting towards my full forgiveness after the 120 payments as is part of my payment plan, however that is not the case. Additionally, it is taking over one to two months for MOHELA to respond to my emails about the subject.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Benuck & Rainey, Inc.
State: WA

Complaint narrative:
Account is held by collections agency " BENUCK & RAINEY INC '' and the original creditor is " XXXX XXXX XXXX XXXX '' The original debt has never been on my credit until it was placed for collections and has wrongfully been placed on my account instead of the original barrow. I am an active account holder at XXXX but it is clearly current on my credit report. Contacting BENUCK & RAINEY by phone I asked for information related to this account but they did not provide it instead they offered to mail it to but they never asked for an address. Additionally BENUCK & RAINEY is either missing information about the account or refusing to carry out due diligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
Portfolio Recovery periodically has harassed me for over ten years. At one point more than ten years ago, there was a small disputed debt from a divorce. I wrote to all XXXX major credit reporting entities to have this cleared. Ever since, I have periods where Portfolio will call me nearly daily. They have never stopped calling. In XXXX they tried to harass me into sending money while refusing to send me written explanation or documentation. I asked them to send a written explanation of the alleged debt. They never did. I have told them many times over the years to stop contacting me. I suffer from XXXX XXXX and this harassment causes me physical illness and terrible distress. have checked my credit report which appears to be good and untroubled. My credit score is good. Im not on any payment plans with any entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 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: TX

Complaint narrative:
TransUnion XXXX XXXX is breaking the consumer law pertaining to XXXX XXXX Account # XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this is resolved I will have no choice to move forward with 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 2023-12-02 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: TX

Complaint narrative:
XXXX XXXX Equifax is breaking the consumer law pertaining to XXXX XXXX Account # XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this is resolved I will have no choice to move forward with litigation.

Company response to consumer: Closed with non-monetary relief