vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank issued me a credit card ( I believe it was in XXXX or XXXX ). Marketing campaigns enticed me into balance transfers. Credit limits were increased. Fees compounded. I was employed until XXXX when I lost my job XX/XX/XXXX due to XXXX safety dispute with employer, I tried to resolve a hefty {$18000.00} balance through XXXX that ended badly. Actual debt was significantly less and most of balance was Citibank fees. Unable to regain employment, I entered early retirement. Communications with Citibank resulted in little progress because Citibank charged off the debt XX/XX/XXXX. Citibank then sold the account to a debt collector in a bulk sale with many other accounts. The debt collector sued me in Supreme Court XX/XX/XXXX for non-payment. I never argued I didnt owe the account for items purchased. I argued marketing deception and exorbitant late fees and compounded interest on what I had purchased. The practice of allowing debt collectors to purchase charged off accounts with this type of activity only exacerbates the underlying deception. I am now on fixed income and unable to work, sinking further into an inability to dig out from under the cloud of debt. When lawsuit was filed with all three credit bureaus, any opportunity to restructure my financial profile vanished. Credit scores went from XXXX to XXXX where they will likely remain till my death. Something has to be done to allow an individual to find hope in recovery. There are so many XXXX when a company, like Citibank, can use a charge-off to better their financial profile while the individual account holder loses their ability to stabilize. My particular financial profile has suffered a domino effect to other outstanding loans and recent loan modification that increased term from 25 years to 40 years and decreased principle payments $ XXXX. I literally had no other options available and this loan modification created another layer of hardship but kept me from foreclosure. Yes, I believe it all began with Citibank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: DE

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action 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 explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Interest rate
Company: PENNYMAC LOAN SERVICES, LLC.
State: LA

Complaint narrative:
On XX/XX/year>, I received a letter stating my request for my interest rate to be reduced per state SCRA law was denied. This came after I provided a copy of my military orders. XXXX  state law dictates that scra applies to debts incurred before XXXX after entering XXXX XXXX service. The explanation given by XXXX ( mortgage company ) was that my home loan was not a service and therefore did not qualify for the XXXX benefit for XXXX XXXX XXXX. This letter I received was delivered almost a whole month after I first started the process. I find this ruling to be complete nonsense, because a mortgage companys only product or service is home loans but they can claim that is not a service when asked to apply military scra.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: Torres Credit Services, Inc.
State: IL

Complaint narrative:
**Subject : ** Re-appearance of Previously Removed Identity Theft Debt on Credit Report **Complaint : ** I am writing to file a formal complaint against XXXX XXXX XXXX XXXX for reporting a debt on my XXXX credit report that was previously removed due to identity theft. This debt was originally removed in XX/XX/XXXX following a successful dispute that confirmed the debt was a result of identity theft. 

Despite the debt 's removal, it has reappeared on my XXXX credit report, causing significant distress and potential harm to my creditworthiness. This re-reporting violates several provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

**Violation of FCRA : ** XXXX. **Re-Insertion of Previously Deleted Information : ** Under the FCRA , specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if information that has been deleted from a credit report is reinserted, the consumer reporting agency must notify the consumer of the reinsertion in writing within five business days. I did not receive any such notification from XXXX regarding the reinsertion of this debt. 

2. **Accuracy of Information : ** Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The reappearance of this debt, which was confirmed to be a result of identity theft, violates this requirement. 

**Violation of FDCPA : ** 1. **Failure to Provide Validation of Debt : ** Under 15 U.S.C. 1692g ( b ), if a consumer disputes the validity of a debt, the debt collector must cease collection of the debt until it obtains verification of the debt. Torres Credit Services Inc. has failed to provide any such validation despite my previous dispute and the confirmed removal of this debt.

2. **Unfair Practices : ** According to 15 U.S.C. 1692e, a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Reporting a debt that was previously identified and removed as a result of identity theft is both deceptive and misleading. 

**Supporting Legal Cases : ** 1. **XXXX XXXXXXXX XXXX XXXX Bank XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : ** This case supports the need for credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of an item on their credit report. 

XXXX. **XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : ** This case emphasizes the requirement for debt collectors to provide verification of the debt upon a consumer 's request, halting all collection activities until such verification is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: PA

Complaint narrative:
I looked on my report back on XX/XX/year> and notice some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Thes account Names are XXXX XXXX XXXX ACCT XXXX XXXX XXXX  ACCT XXXX XXXX XXXX XXXX XXXX Divison of child support acct XXXX Division of child support ACCT XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX  ACCT XXXX XXXX XXXX acct XXXX XXXX XXXX ACCT XXXX Account report and last date active are not reporting accurately I sent letters on XX/XX/year> to have these accounts reinvestigated tracking number XXXX I got the investigation back but noticed nothing was updated or modified So I requested a copy of the reinvestigation which was not provided which is a violation of 15 USC1681i7 They also violate 15 USC 1681i ( 5 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action 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 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
See document attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute inaccuracies in my credit report under the Fair Credit Reporting Act ( FCRA ) Section 611 and Metro 2 compliance standards and Pursuant to 15 USC Code 1681S-2. Specifically, I am concerned with the reporting of certain collection accounts reporting as " open accounts, '' which is incorrect and misleading.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates LLC placed a collection account on my credit reports for {$8200.00}. I do not have a contract with this company. I contacted them several times asking for proof of ownership and never received an answer. I did online research and per Green v. Portfolio Recovery Associates LLC, I am entitled to see documents proving they own this alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: GA

Complaint narrative:
I completed a XXXX XXXX XXXX verified my income and received an XXXX  repayment option for XXXX, however loan servicer MOHELA has not processed my XXXX according to the XXXX XXXX XXXX and when I call they are attempting to charge me more than the XXXX. I called and was told XXXX business days, I waited XXXX days called back, told nothing was processed. Talk with a supervisor and told it would be XXXX business days I called back XXXX days later and placed on hold numerous times, none of the agents can assist you just get transferred multiple times to various departments each time you call. I checked my online account, no updates, no completed XXXX statement. I need the correct student loan amount as MOHELA appears to be overcharging me and are delaying my XXXX. I advised MOHELA this is time sensitive as I need a loan verification letter for my mortgage application and I have been waiting for over a month for this to be resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX, This is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. Fraudulent Unauthorized Accounts : XXXX XXXX ACCT : 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 2024-05-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
On XXXX XXXX Violated the following FDCPA 15 USC 1692P SECTION 809 AND 1006.6 Communications in connection with debt collection. Credence Resource Manage attempt to collect on XXXX bills for XXXX. Consumer asked for the following Purchase Agreement and Original sign contract with signature stating that i owes and agree to this Debt. Consumer asked to be provided with documentation showing by letter or electronics attempt was, made within 5 days exclude weekend to notified this consumer. Records search was done per XXXX Credence Resource Manage licensing in the stated of Nevada and XXXXonsumer requested copy of XXXXXXXX XXXX paid to the stated of Tx allowed to collector in the state of Tx. XXXX Texas collected period of XXXX yrs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
When I checked my credit report it states on XX/XX/year> there was a hard inquiry from feb/destiny that I did not authorize. I contacted feb/destiny and they state they do not have anything confirming this was ever done. They advised me to contact transunion and the representative at XXXX directed me here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Please be minded that if you send a computer generated letter not to open the dispute request I am going to file a complaint. There is not a single item in my letter that could possibly lead one to believe it was not written by me. Failure to do so must be penalized according to 616. [ 15 U.S.C. 1681n ] that states any person who willfully fails to comply with any requirement under this law concerning a consumer is accountable to that consumer for a sum compromising : 1. A : The actual damages suffered by the consumer due to the failure, or damages ranging from not less than {$100.00} to not more than {$1000.00}. 

Firstly, I want to make sure that, in accordance with FCRA standards, you have and only retain current, true, correct, complete, and mandated reported information. I also want you to remove any and all deficiency of any condition, mentioned or not, and to demand any and all other information I request. 

I give you no permission to report any false information, past or present. Please check to make sure you are in complete and proper compliance with the regulations that control how you report consumer credit profiles. 

Kindly, look into the following and remove if it's not entirely accurate : XXXX XXXX : Account number : XXXX, XXXX : Account number : XXXX, As you look into these things, I want my personal data to be updated. Please fix the spelling errors in my name and incorrect outdated address in my report. My name should be spelled as XXXX XXXX. My address that should be reporting is XXXX XXXX XXXX XXXX, SC XXXX. I am attaching a copy of my ID and a Proof of Address supporting my request. Kindly make sure that all misspelled names and incorrect addresses shall be removed immediately. 

I appreciate you acknowledging how serious and frustrating this issue has been for me. I appreciate you carrying out your duties. 

Best Regards, 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 non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXXXXXX XXXX refused to send me a letter to inform the credit bureaus that they are reporting inaccurate information on my credit report file, I contacted XXXX XXXX on XX/XX/year> about a automobile loan I have paid off, that wasnt reported in bankruptcy as the credit bureau is reporting that the account is listed in bankruptcy the account # XXXX XXXX XXXX I informed XXXXXXXX XXXX the credit bureau are reporting this account as listed in bankruptcy, I spoke to XXXX XXXX employees XXXXXXXX XXXX  XXXX they both informed me that this account wasnt reported as listed in bankruptcy but they refused to send out me a letter to send to the credit bureau so that this error can be corrected

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action 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 explanation
Consumer complaint received 2024-05-30 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV funding placed a collection account on my credit report for {$1.00}. I do not have an account with this company. I contacted them several times asking for proof of ownership and never received an answer. I did online research and per XXXX XXXX XXXX XXXX XXXX XXXX, I am entitled to see documents proving they own this alleged account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: NE

Complaint narrative:
I disputed this account several times in the past. This account says closed, but then says it was open in 2023. XXXX had not been in service for several years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: PA

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

Company response to consumer: Closed with non-monetary relief