vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-25 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: AL

Complaint narrative:
I submitted a complaint on XXXX I requested proof of the multiple attempts made by your company to notify me of the options to rectity my loan, which was in forbearance. I have not been presented with any options since XXXX and have not received any communication regarding the end of forbearance as an option for my loan. Please provide me with copies of the email requests and any other proof of attempts made to notify me that forbearance was no longer an option for my loan. I would like to understand the steps that were taken to inform me of this change and explore any possible solutions that may be available to me. 
This situation has been causing me a great deal of stress and frustration. I have been diligently managing my finances and responsibilities, yet XXXX 's inaccurate reporting is hindering my ability to move forward. I have tried to resolve this issue with the company multiple times, providing evidence of the forbearance status of my loans, but to no avail. 

The impact of XXXX 's actions on my credit score and financial standing can not be overstated. It is unfair that I am being penalized for their error, especially when I have taken all necessary steps to rectify the situation. I am left feeling powerless and unsure of how to proceed. 

I am seeking assistance and guidance on how to address this matter with XXXX and potentially escalate it further if needed. It is crucial that this issue is resolved promptly to prevent further damage to my credit and financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I submitted a complaint on XXXX I requested proof of the multiple attempts made by your company to notify me of the options to rectity my loan, which was in forbearance. I have not been presented with any options since XXXX and have not received any communication regarding the end of forbearance as an option for my loan. Please provide me with copies of the email requests and any other proof of attempts made to notify me that forbearance was no longer an option for my loan. I would like to understand the steps that were taken to inform me of this change and explore any possible solutions that may be available to me. 
This situation has been causing me a great deal of stress and frustration. I have been diligently managing my finances and responsibilities, yet XXXX 's inaccurate reporting is hindering my ability to move forward. I have tried to resolve this issue with the company multiple times, providing evidence of the forbearance status of my loans, but to no avail. 

The impact of XXXX 's actions on my credit score and financial standing can not be overstated. It is unfair that I am being penalized for their error, especially when I have taken all necessary steps to rectify the situation. I am left feeling powerless and unsure of how to proceed. 

I am seeking assistance and guidance on how to address this matter with XXXX and potentially escalate it further if needed. It is crucial that this issue is resolved promptly to prevent further damage to my credit and financial well-being.

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 2024-09-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: TX

Complaint narrative:
I ended service with XXXX, They claim I did not return the equipment, the equipment was returned to their store in 2023. 

I received a claim from their collection agency MRSBPO for {$270.00} I went to the store at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, the store employee told me to communicate I had returned the equipment to Corporate. 

I went to the online corporate chat, and they inquired about the history, the moving between addresses and maintaining equipment and return. They said that the scenario may have caused some internal confusion between their systems and they would get back to me within 72 hours about the missing equipment not showing marked as returned in their system. They have not responded. 

During the dispute with XXXX  - I also filed a dispute on my credit report with MRS BPO - MRS BPO filed and supposedly confirmed this as an accurate debt with both XXXX and the reporting agencies in an almost instant manner- this was completed before XXXX has ever gotten back to me or verified the debt- this would seem to be impossible as they almost " instantly '' verified the wrongfully claimed debt - seemingly not going through any verification or communication with the original creditor as the original creditor is claiming their system may have been messed up ... - not sure how they can say it is " VERIFIED '' when it is " UNDER REVIEW '' and stated as such to me by the original creditor.

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 2024-09-25 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2024-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
According to the tax law, a 1099 must be five to discharged that by the company involved Pentagon federal credit union did not send me a 1099 form Pentagon federal credit Union sold my debt to a debt collector without notifying me that collector does not have a contract with me to buy such an agreement an investigation to determine the legitimacy of the purchase without a contract.. The actual amount can not be correct if they file a 1099 they can not be paid twice. The government can not compensate them for their loss and they sold my account to a credit collector without a contract from myself for the full billing. This is an illegal.

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 2024-09-25 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.

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: IA

Complaint narrative:
Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
Debt validation was sent to Radius Global Solutions on XX/XX/year> with specific information requested per the Fair Debt Collection Practices act, 15 USC 1692G stating their claim is disputed and a validation is requested. They did not provided the requested information including the original contract with original signature did not provide they were authorized by the original creditor to collect a debt, did not provided if any insurance claim was found on the alleged debt and did not provide a detailed list of payment activity on the alleged account. Debt was illegally furnished as a collections to the credit reporting agencies in violations of the aforementioned act.

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 2024-09-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: V and H Portfolio
State: IA

Complaint narrative:
Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: GA

Complaint narrative:
Online information XXXX XXXX XXXX date XX/XX/year> {$350.00} I did not open this account, and I have never authorized any transactions or credit associated with it. This account was opened fraudulently without my knowledge or consent. 
I kindly request that you investigate this matter, remove the fraudulent account from my credit report, and take any necessary steps to prevent further damage to my 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 2024-09-25 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: AR

Complaint narrative:
This letter is in response to your recent claim that the credit bureaus has verified that the accounts they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account ( s ). I am formally requesting a copy of any binding contractual obligations to pay them the exact amount claimed. Any automated response E-Oscar verification is unacceptable. I am requesting a re-investigation and your Method of Verification. According to 15 USC 1692c ( c ) if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consume, the debt collector shall not communicate further with the consumer with respect to such debt. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission. According to 15 USC 1681 I have the right to privacy. According to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice & confirmation of errors. A person shall not furnish information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: AR

Complaint narrative:
This letter is in response to your recent claim that the credit bureaus has verified that the accounts they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account ( s ). I am formally requesting a copy of any binding contractual obligations to pay them the exact amount claimed. Any automated response XXXX verification is unacceptable. I am requesting a re-investigation and your Method of Verification. According to 15 USC 1692c ( c ) if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consume, the debt collector shall not communicate further with the consumer with respect to such debt. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission. According to 15 USC 1681 I have the right to privacy. According to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice & confirmation of errors. A person shall not furnish information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint against Experian for their failure to remove an inaccurate voluntary surrender status on my credit report, despite my agreement with XXXX XXXX XXXX. 

In XX/XX/XXXX, I voluntarily surrendered my RV to XXXX XXXX XXXX. As part of a written agreement, XXXX XXXX XXXX was to remove the voluntary surrender ( XXXX ) status from my credit reports. This correction has been made on my XXXX and XXXX reports, but Experian continues to report the XXXX status for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I have already disputed this matter with Experian, and despite XXXX XXXX XXXX 's agreement to remove the XXXX status, Experian continues to verify the inaccurate information. This incorrect status is damaging my XXXX XXXX and does not reflect the true nature of the agreement between XXXX XXXX XXXX and myself.

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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint because Equifax has repeatedly failed to correct inaccurate information on my credit report despite multiple attempts on my part. I have provided my drivers license as evidence to verify my correct name, yet Equifax continues to allow an inaccurate name to remain on my report. Despite my repeated requests and clear proof of the correct information, they have not updated my report, causing ongoing issues with my credit profile. I am seeking your assistance to resolve this matter and ensure that Equifax corrects this error promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have had my XXXX XXXX XXXXXXXX card for around XXXX  years. I only have one or two charges associated with this card. I have a reoccurring monthly charge of {$16.00} from XXXX. Every month I pay {$16.00} to have a zero balance. It appears in XXXX an additional charge from an annual subscription of {$40.00} was processed on the card. I unfortunately did not see this statement and paid my monthly payment of {$16.00}. The payment went through on XX/XX/year> for the due date of XX/XX/year>. I received an email stating I was late on my payment and owe {$8.00}. I called the Capital One directly and learned that I had another charge that changed my minimum payment to {$25.00} for the XX/XX/year> payment. Due to this {$8.00} I was now charged with a {$25.00} late fee. The Representative would not remove the {$25.00} fee. I closed the card on this call and make a full payment via my Bank 's bill pay for a total of {$90.00}. My compliant as a consumer is that a fee of {$25.00} is beyond unreasonable for a lateness of {$8.00} and a card balance of approximately {$60.00}. The card company is charging interest at XXXX  % which is astronomical, but I accepted it. This fee is unfair, deceptive and abusive. This is why Bank 's have to have people opt-in to fees that are over the actual charge. Thank you for accepting my compliant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
My credit report for Experian hasn't updated since XX/XX/2024, I've called in and spoke with a rep 3 time, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX Each time I was told that my address didn't match and to upload my proof of address through Experian.com/upload. I've done this numerous time and it still hasn't updated. I've have been attempting to refinance out of a property I have and this update is holding me back from doing so.

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 2024-09-25 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: IL

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion 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