vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want these accounts removed from my reports at the XXXX credit agencies within 72 hours of this complaint. These accounts are past the 7 year stataitory limit. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered CPA to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information sold to another company. I want all accounts removed as I will be getting an audit done if not removed within 72 hours from all XXXX credit agencies. 

Account # XXXX Account # XXXX Account # 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 2024-02-23 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 want the account removed from my reports at the XXXX credit agencies within XXXX hours of this complaint. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered XXXX  to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information given to another company. I want the account removed as I will be getting an audit done if not removed within XXXX hours from all XXXX credit agencies. I also filed a 1099 and the IRS have that as well. The XXXX XXXX did not send me copy b back. I will also be filing a 3949a form due to that as well if this account is not removed from my report and the title of the vehicle needs to be mailed to me also. 

Account # 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 2024-02-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I want the account removed from my reports at the XXXX credit agencies within 72 hours of this complaint. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered XXXX to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information given to another company. I want the account removed as I will be getting an audit done if not removed within XXXX hours from all XXXX credit agencies. I also filed a 1099 and the IRS have that as well. The XXXX XXXX did not send me copy b back. I will also be filing a 3949a form due to that as well if this account is not removed from my report and the title of the vehicle needs to be mailed to me also. 

Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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: MS

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2024-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2024-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NC

Complaint narrative:
I am enrolled in the PSLF program, as I am a XXXX XXXX. The PSFL has been approved and I have dates on employment that range XXXX years at the same qualifying XXXX 

The PSFL promises repayment of loans after 10 years/120 payments. I have made 12 years of qualifying payments. In addition, 3 years during COVID provisions should have been counted as well. 

I contacted Mohela, my loan service provider, when my federal loans were transferred to this agency to ensure my payment and PSFL dates were correct. 

The only way to communicate with this agency is to message them on their website. My first communication was responded to promptly and my employment was verified. The second message, asking for clarification as to why my loans were not yet forgiven was not responded to in over 1 month. The response was not an answer to my question. 

However, a month or so later, I got a letter stating some of my loans were forgiven. I am thankful for this. Unfortunately, these loans originated after other loans on my account which should have also been forgiven. Correspondence regarding this has not been addressed by Mohela. My response stated that payments were not counted towards my loan due to deferment. My loans were indeed in deferment while I was in my XXXXXXXX XXXX  beginning in XXXX. However, payments before that time were not accounted for correctly and my COVID relief credit was not applied either. Mohela is stating I only made XXXX payments toward the XXXX when in fact, I made over XXXX payments, not including the XXXX that should have been reflected during COVID provisions. 

There are XXXX loans from XXXX : {$9000.00}, {$6200.00}, {$22000.00}, and {$9300.00}. 
This is {$46000.00} that should have been forgiven. I am still being charged interest on this amount and being asked to make payments. This, I believe, is fraudulent and immoral. I am requesting help to get my loans forgiven, as outlined in the federal guidelines dictated in the PSLF.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson Capital Systems , LLC XXXX. XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX Jefferson Capital Systems Representative, After communicating and responding to several of your notices via communication that the collection for this debt was paid for and your company continually to proceed with this action is a violation of the Consumer Protection Act. This company has caused damage to my credit report. 

This account was fully paid off at the time your organization purchase this receivable. The consumer debt from XXXX was fully paid off on XX/XX/year> some 9 years and 217 days ago as documented in exhibit XXXX below. 

Johnson Capital Systems has grossly broken consumer credit reporting laws. I am hereby requesting an investigation on Jefferson Capital System for breaking consumer laws and obviously, I am not the only consumer calling their consumer service phone number since they had over XXXX calls before I called waiting to be answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: VI

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

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 2024-02-22 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: CMG Financial Services, Inc.
State: CA

Complaint narrative:
A monthly payment made in full was issued by us for loan # under check # in the amount of {$1100.00} on XX/XX/2022, and erroneously posted by CMG Financial as " Late ''. This error was reported to the credit bureaus causing my business partner and I a XXXX drop on each of our respective credit scores. Beginning on XX/XX/2022, we both disputed this egregious oversight by CMG Financial through the proper channels, and to date they have failed to remove this negative remark from our credit reports. The payment in question was received by CMG Financial ( personal check ) before the due date ( XX/XX/2022 ) and returned to our po box stating they no longer accepted personal checks. Due to the XXXX lockdown and personally being XXXX XXXX with XXXX, my partner and I were physically unable to retrieve our mail from the po box , and thus had no knowledge of the policy change with CMG Financial. Our various business holdings, and credit scores reflect a 100 % payment " On Time '' history, with CMG Financial tarnishing it with poor accounting and business practices, and their blatant and flat-out refusal to accept responsibility for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XX/XX/202XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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 am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXXXX/XX/2023 XXXX XXXX  XXXX XX/XX/2023

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 2024-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
Portfolio Recovery Associates continues to illegally violate my rights by harassing me for a " debt '' already disputed and removed from my credit file by the credit bureaus. I was a victim of identity theft. The so called " debt '' was never mine. They have been told to cease and desist yet continue to break the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: OK

Complaint narrative:
I just got the statement from the mortgage company saying that I owe {$3400.00} I have made every payment with certified funds and sent it with certified mail. I am enclosing all receipts showing that for the last two months that the payments have been sent to the location that they have provided. I have not gotten the last months statement back showing that the certified funds and/or whatever are there, but I do have the receipt from the post office showing that it was sent that way I know all payments are made and do I do not understand why this company is so difficult to deal with please have someone investigate because this seems to be a going practice month after month that I have to send a complaint showing that this problem persists

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: CA

Complaint narrative:
I was about to get a loan from my bank and they noticed my credit score was low. We checked why was that, I found in my credit report that I owe money to some XXXX XXXX. I called them, the transferred me to Absolute Resolutions Corporations, LLC. They told me to prove that the account was not mine, which doesn't make senses, since I don't have any documentation about, because I am not the owner of that account. They send me the statement of that account and after I read all of it, I found an address that is not mine and the phone number is not mine either. I told them that, they said I need to send proves of that (? ) They are still sending me letter saying that their compliance team found that the account is not fraudulent. ( In a phone call I talked with a representative and he told me that the only proof they have is a digital signature " from me ''. I did already the police report on XXXX Police Department and they found that the address that appears in the credit report belong to XXXX XXXX and her boyfriend, and both are in XXXXXXXX for other XXXX XXXX  ( I told all this to Absolute Resolutions and they insist the account is not fraudulent ). I did my FTC Identity Theft Report, and I sent all this documentation to XXXX XXXX, to Absolute Resolutions, to XXXX and nothing happen. Today ( XX/XX/2024 ) I received a letter from Absolute Resolutions saying that their Compliance Team, again, found that the account is not fraudulent. 
I don't know what to do at this point, my credit score is still poor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Synchrony bank called my husband who is not an authorized user and disclosed personal information including payment history, balances and even the fact that Illinois is not a spouse state and that she shouldnt be talking to him without my permission. 

I am very upset that she disclosed my personal information to my spouse without my consent.

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 2024-02-23 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: GA

Complaint narrative:
As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc : Consumer Financial Protection Bureau. Cc : Attorneys General Office. Cc : XXXX XXXX XXXX. Cc : State Senate. Cc : Federal Deposit Insurance Corporation. Cc : Comptroller of the Currency. Cc : Federal Reserve System. Cc : Credit and Insurance. Cc : Federal Trade Commission. Cc : State Regulatory Agency

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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report, mine was under reference # XXXX and # XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and fraudulent inquiries which were being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX -- -- -- -- -- -- -TRANSUNION : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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 XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.

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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX  XXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report, mine was under reference # XXXX and # XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and fraudulent inquiries which were being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- -EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation