vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Accscient, LLC
State: MS

Complaint narrative:
Nationwide Recovery Service is in violation of the Fair Credit Reporting Act of 15 USC 1681 Rule 624. This rule gives the individual the right to opt out of having third party individuals reporting information on his/her credit report. NRS fails to abide by this rule after being notified of a dispute. NRS failed to abide by the Fair Credit Reporting Act of 15 USC 1681 that states that after 120 - 180 days delinquent the charges has to be charged off. NRS has failed to update the credit report reflecting the pass 120 days charge offs. NRS is guilty of violating my rights under 18 US Code 242 - Deprivation of Rights under the color of law. NRS is violating my rights under the 8th Amendment of the US Constitution : NRS operating as collection agency is falsifying the status of the credit reports, by posting dates on the credit reports without showing the charge off status afforded on the FCRA. NRS is posting dates that are fraudulent to the facts of the records. This violates the 14th Amendment Rights To Equal Citizenship. When a debt collector purchases a debt from a creditor, that is a dept collector 's debt that I do not owe to the debt collector. When the US enforces one segment of individuals to pay a debt someone else purchased and fails to allow the same individual or agency to pay the debts of which I purchase then you violates my 14th Amendment Right. The US has placed retribution of 7 to 10 years upon us with negative credit. As equal citizen you do not make those who murder pay others for their wrong doings, you make them pay the time. I am paying my time for those debt. I wish to be treated as other offenders who only pay for the offense itself. I do not owe Nationwide Recovery Service; I do not owe Professional Finance ; I do not owe XXXX and XXXX ; I do not owe XXXX XXXX XXXX. If they purchase the debt, it is their debt. I am doing 10 years. XXXX allow the collection companies to report late dates to extend the penalty time. This needs to stop. 
Nationwide Recovery Service is in violation of 15 US Code 1692e False and Misleading Representation. As of XXXX XXXX XXXX. As they noted on their credit reporting, date of first delinquency XX/XX/XXXX. This date fairly represents my relationship to this debt owed. Balanced as of XX/XX/XXXX, {$750.00} - this is a fair representation. Collection reported XX/XX/XXXX has nothing to do with my relationship with XXXX XXXX XXXXXXXX XXXX XXXX XXXX. These excessive dates are used to extend the 7 year term. It needs to be removed. It is double jeopardy. There has been only one delinquency and that is XX/XX/XXXX. Assigned XX/XX/XXXX has nothing to do with my relationship with XXXX XXXX XXXXXXXX XXXX XXXX XXXX. It needs to be removed. Dates that XXXX XXXX XXXX set up with XXXX XXXX has nothing to do with my credit report. It falsifies the dates of my 7 year punishment.

Company response to consumer: Untimely response
Consumer complaint received 2024-03-10 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: TN

Complaint narrative:
I am writing to formally dispute the inaccurate closed accounts listed on my credit report. After reviewing my credit report the information regarding these closed accounts is inaccurate and should be removed. The company failed to send a 1099c form from the IRS, the cancellation of debt form was not received. Under FCRA 15 U.S.C. 1681e ( b ) this company violated, and the agencies are required " to follow reasonable procedures to assure maximum possible accuracy. 

Upon checking my credit report I have found these inaccurate accounts 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

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 2024-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
My rights were violated by the creditor according to the laws 12 CFR 1006.34 ( B ) ( 5 ), 12 CFR 1006.34 ( C ) ( 4 ) ( I ), 12 CFR 1006.34 ( D ), and 15 USC 1681-S 2 ( 7 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not authorize these inquiries, and I believe they have been made in error or without my knowledge or consent. As such, I request that you investigate these inquiries and remove them from my credit report if they are found to be unauthorized. 
Furthermore, I would like to assert that, under the Fair Credit Reporting Act ( FCRA ), I am not required to provide an FTC report or a Police report to dispute inaccuracies on my credit report. The FCRA mandates that credit reporting agencies must conduct a reasonable investigation upon receiving a dispute from a consumer, without placing undue burdens on the consumer. Demanding an FTC report or a Police report as a prerequisite for investigating my dispute is not only unnecessary but also places an undue burden on me as a consumer. 
I expect you to adhere to the FCRA 's guidelines and conduct a thorough investigation into the unauthorized inquiries without requiring any additional reports from me. Failure to do so may result in further action on my part to ensure my rights under the FCRA are upheld. 
Please acknowledge receipt of this letter and inform me of the steps you will be taking to address my concerns. I expect a response within XXXX days, as stipulated by the FCRA. 
Thank you for your immediate attention to this mater. I trust that you will handle this dispute with the seriousness and urgency it warrants. 

XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXXXX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There are multiple accounts that are showing up on my credit report that should not be showing up. According to the IRS if an account is charged off, it is considered income for me and I have to file taxes on it. Income can not be reported on my credit report. These are the laws if whoever is reading this is unsure. Feel free to check with your legal department. They will agree with me and these accounts should all be removed from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( both of them ) There are also fraudulent hard inquiries. I did not give the banks or anyone else permission to access my credit report. I've contacted the banks and explain the situation, and they all agree that the hard inquiry should not be on there. And most of them tell me I should contact the credit reporting agencies to request that they be removed. Feel free to reach out to the individual banks To confirm that these are fraudulent inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Again, feel free to reach out to the banks directly after confirming all of my information I agree that these fraudulent inquiries that should not be showing up 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 2024-03-10 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: MI

Complaint narrative:
There are multiple accounts that are showing up on my credit report that should not be showing up. According to the IRS if an account is charged off, it is considered income for me and I have to file taxes on it. Income can not be reported on my credit report. These are the laws if whoever is reading this is unsure. Feel free to check with your legal department. They will agree with me and these accounts should all be removed from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( both of them ) There are also fraudulent hard inquiries. I did not give the banks or anyone else permission to access my credit report. I've contacted the banks and explain the situation, and they all agree that the hard inquiry should not be on there. And most of them tell me I should contact the credit reporting agencies to request that they be removed. Feel free to reach out to the individual banks To confirm that these are fraudulent inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  credit card Again, feel free to reach out to the banks directly after confirming all of my information I agree that these fraudulent inquiries that should not be showing up 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 explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX contacted me in regards to my bill increasing in price. I immediately switched to XXXX XXXX and attempted to cancel my service to XXXX XXXX XXXX over the phone prior to my billing date of the XXXX of each month. The customer service agent would not cancel my account and told me I could cancel it after I received my XXXX XXXX phone. Customer service agent continued to refuse to cancel my service, even after insisting I wanted it canceled immediately. According to XXXX XXXX XXXX  Terms of service, You may cancel or terminate one or more of your XXXX XXXX XXXX  services at any time, and the refusal of the customer service agent to cancel my service was in violation of these Terms. 

I received my XXXX XXXX phone on XX/XX/XXXX and called XXXX XXXX XXXX once again to cancel it. This time they canceled it. However, I was still billed for the entire month of XXXX, despite only utilizing it for one day over the billing period due to XXXX XXXX XXXX refusal to cancel my service prior. 
A conversation with XXXX XXXX  over XXXX insisted that I was still responsible for the whole bill, and that the customer service agent I contacted over the phone earlier did not log my interaction, and that my most recent interaction was in XXXX. 

I contacted the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding this matter on XX/XX/XXXX. They advised me to not pay and to report the issue to my credit reporting agencies, the Consumer Finance Protection Bureau, and The Federal Communications Commission. 

By refusing to cancel my service, XXXX XXXX XXXX violated their own Consumer Service Agreement : 1.5 Termination or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX cancel or terminate any of your XXXX XXXX XXXX XXXX at any time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 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: FL

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigation, you stated in writing that you updated these accounts and the items are being reported correctly? Who verified these accounts? 
As directed, you have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & amp ; Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

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 2024-03-11 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: PA

Complaint narrative:
I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX : XXXX, XXXX XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 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: IA

Complaint narrative:
Reviewing my most recent credit report it appears that a late payment 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date. 2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
BMW financial has sent me a 1099-C form. I have since reported this form to the IRS. They should no lobger be reporting the charge off on my credit report. I have atached proof of the 1099-C as well as my 1040 tax form showing I reported to the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On three occasions my husband and I were not able to login to our online hysa with BMO Alto. 

Our usernames and passwords were correct but we were caught in endless loops : First screen : enter un and pw > Next screen : verify ID by sending randomized pin to phone number listed ( only part of the time was the phone number one we recognized ) > Next screen : back to login after ID confirmed but still no access to account. 

After multiple verifications in email, text, and on the phone with social security numbers we were unable to access our account. No amount of password resets, pins, personal information or verifications allowed us to access our account. 

The results were slightly different on different devices and finally ONE out of 5 devices allowed us to login with all the same info that we had been providing on all of the devices. We took the opportunity to withdraw all of our money and we will close the account once the withdrawal is complete. 

Customer service was unhelpful and rude. Repeatedly blaming us for using incorrect information when we know it was not and it was proven out by finally working ONE time for us. Terrible customer service interactions combined with a terrible online interface that nearly kept us from ever being able to withdraw out funds is why we are filing this complaint.

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 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I'm a victim of identity theft. I have filed report with local sheriff 's dept and FTC. Both reports have been sent to credit bureas. I have been dealing with the same accounts and dispute results. I'm beyond frustrated and tired of not getting issues resolved. I have a few accounts reporting that are not mine period. These accounts are in collections. The accounts and collections are double reporting on my consumer reports. I have numerous phone calls and letters sent to credit bureas about all issues. This account for Community Bank /Victoria acct # XXXX is closed and written off and sold to a XXXX XXXX XXXX. They are both reporting on same account and have been since XXXX. I called Comenity they say they can't do anything about it. A letter was also sent to them 3 weeks ago. This is XXXX. I want to see them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: PA

Complaint narrative:
In XX/XX/2024 I obtained a copy of my credit report after dealing with fraud, and denials due to inaccurate information reporting on my credit report from the companies listed below. 

XXXX XXXX XXXXXXXX Status : Charged Off 2. XXXX Account Status : OK XXXX. XXXX Account Status : Closed 4. XXXX XXXX ( fXXXX XXXX XXXX XXXX ) Status : Reporting 30 Days Late -- -This account is paid off and should be removed. 
XXXX XXXX Remarks : Voluntary Surrender ; Status : Unknown -- Not accurate XXXX. XXXX XXXX : XXXX XXXX XXXX. XXXX Status : OK XXXX XXXX XXXX Status : Collection/Charge-Off XXXX XXXX XXXX Status : Collection/Charge-Off XXXX. XXXX Account # : XXXX Status : Collection/Charge-Off XXXXXXXX XXXX Status : Collection/Charge-Off XXXX. XXXXXXXX XXXX XXXX Status : Collection/Charge-Off

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 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to express my concern about the inaccurate personal information, including names, addresses, and employers, being reported on my credit report. As a consumer and a XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe this issue infringes upon my rights. These errors have been present on my credit report for an extended period, despite my repeated requests for removal. 

On XX/XX/year>, I formally requested an updated copy of my credit report, reflecting the removal of the erroneous information. Unfortunately, I have yet to receive an updated report as of XX/XX/year>. This delay is not only worrying but also a potential violation of my consumer rights under federal law. 

The presence of inaccurate information on my credit report may negatively impact my financial standing and credibility. I kindly request that the CFPB look into this matter and help ensure that I receive an updated credit report that correctly reflects the removal of these inaccuracies. 

As a reminder, Section 611 of the Fair Credit Reporting Act ( FCRA ) allows consumers to dispute any information found on their credit report and requires credit reporting agencies to conduct a reasonable investigation within 30 days of the dispute. I am concerned that this timeline has not been met in my case. 

The Consumer Financial Protection Bureau plays a crucial role in protecting consumers and ensuring that financial institutions treat their customers fairly. I trust you will investigate my complaint and work diligently to provide a satisfactory resolution. I am available to answer any further questions or provide any additional information needed. 

Thank you for your attention to this matter and for your efforts in protecting the rights of consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 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:
They are reporting inaccurate payment history

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