vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-28 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: IL

Complaint narrative:
On XXXX XXXX I disputed the accuracy of this XXXX XXXX XXXX account on Equifax ending in XXXX XXXX. 
And for XXXX and XXXX account XXXX. I was notified that this information was verified as accurate and correct. 

As of XX/XX/XXXX, AND XXXX my latest credit report shows that their investigation still remains inaccurate which makes me question the validity and methods use by each agency seeing as how this information such as amount owed, payment history and date reported and last active date is still not correct. 

Each Credit report show something different for monthly payment, last reported date and date last active is different on each report and there is no payment history is either inaccurate or not reporting for XXXX or Equifax.. 

Under the fair credit reporting act I am owed accurate reporting and each agency has violated my rights reporting accuracy. 

Under 15 U.S.C 1681b I have never gave permissible purpose in writing to any credit agency. Also Under 15 U.S.C 1681a ( e ) I never received any information regarding how this account was verified and if the credit agency only means of verifying this account was by getting information from the furnisher then they have violated 15 U.S.C 1681a ( e ).

Further more I asked each agency for proof of the permissible purpose with original instruction giving by me to this furnisher regarding permission to report. I also ask for proof that this furnisher gave me the disclosures stating I can opt in an out of any credit reporting at any time in the monthly order according to this law and I was met with resistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
The company furnished my information without my written consent. When I notified the company that I revoked all rights they had to furnish my information, they ignored and kept it up in violation of my consumer rights. XXXX XXXX states in their terms and conditions that they do not furnish information to non affiliated third parties, and the FCRA states you must get written consent 30 days prior to furnishing information. I received no such notice. There are also inaccuracies in the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: United Revenue Corporation
State: TX

Complaint narrative:
I checked my credit report in around XX/XX/year> and noticed that XXXX XXXX XXXX XXXX XXXX XXXX XXXX, located at XXXX Billings, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX had placed a collection item on my credit report. I had never received any information from this company and was shocked to see this item on my report. Due to the fact that I have not received legal notice of this debt I sent the company a cease and desist contacting me via all forms due to the fact that they have failed to follow the law a direct violation of the FCRA and possibly a violation of FDCPA ; reasons why I am filing a complaint to have this company comply with the Federal and State Laws of Texas in regards to placing collection items on my credit report harming me negatively. This item has been negatively on my credit report. 
I sent a certified letter on XX/XX/year> to the address on my credit report to cease and desist contacting me and to remove this negative item off my report and that I have never received any form of communication from this company as prescribed by law of any debt. I called the company to have them validate this information per certified letter. I spoke to a representative by to get information on why they have not sent me the information, On XX/XX/year>, the company sent out XXXX letters to me, see attached and this is the first line of communication of any debt that I have received from XXXX XXXX. They sent these after I called to inquire about them removing any and all items from my credit report. I feel that this was a form of harassment to send me any letters in reference to a debt because they did not send them during the initial process before putting an item on my credit report and that I have not received a letter of validation of a debt and the information that I asked for within the prescribed 30 days that the law prescribes. I ahd never received a letter from them for the initial debt on my report until after they had put this informaiton on my report. 
I also found out that the original creditor had sent an item to them and it was not 1 year from the date the alleged debt was made. 

Due to the fact that they agent with this company stated that they are going to send this bill for suit and leave this on my report and they sent XXXX additional letters to me at XXXX time, some of which are time barred and they sent them to harass and annoy me, there by violating the FCRA and FDCPA. They also sent a bill that was not XXXX old as prescribed by Texas law XXXX a bill has to be over a year old before being sent to a collection agency. 
As of this XXXX day of XXXX, I still have not received the information that I requested. I asked the company if they received my letter and they lied and stated that they did not. Please see the attachments from the XXXX that this letter was received by an agent for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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:
It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 
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 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 2024-02-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OR

Complaint narrative:
I'm part of the XXXXXXXX XXXX XXXXXXXX class due to my XXXX application. After approval in XX/XX/2023, XXXX, not my usual servicer, notified me of loan discharge. Despite multiple attempts, my servicer, Mohela, hasn't adjusted my balance or stopped interest, as required by the settlement. There's been no communication or timeline for discharge or refunds, leaving me confused and frustrated. I'm entitled to relief and refunds but have received no transparency or updates from Mohela or the Department of XXXXd.

I have also filed a complaint with my State 's Ombudsman office and the Department of Ed via the studentaid.gov website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
PORTFOLIO RECOVERY IS ACCESSING MY CREDIT REPORT AND I DO NOT HAVE ANY ACCOUNTS WITH THEM NOR DID I APPLY. I HAVE ADVISED THEM VIA TELEPHONE THEY DO NOT HAVE PERMISSION AND ACCORDING THE THE LAW : A debt collector only has permissible purpose to obtain a consumer 's credit report if they have active collection authority. 

FCRA 604 ( a ) ( 3 ) ( A ) .If the debt collector does not have active collection authority on a debt of the consumer, they have no permissible purpose.

The FCRA requires that a party requesting a credit report must provide one or more of the permissible purposes set forth under FCRA 604 if the consumer has not provided express authorization to the CRA for the debt collector to obtain a credit report. 

If there is no unpaid debt for which the debt collector has active collection authority, then they lack permissible purpose, and their inquiries are a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT BELOW NEEDS TO BE CORRECTED OR DELETED COMPLETELY FROM MY CREDIT REPORT : Inaccurate Address : 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

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 2024-02-28 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT BELOW NEEDS TO BE CORRECTED OR DELETED COMPLETELY FROM MY CREDIT REPORT : Inaccurate Address : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. 

Even if you didnt receive a Form 1099-C, you must report canceled debt as gross income on your tax return.

The IRS clearly defines a charge off as gross income or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!

The IRS clearly says a Canceled or Charge Off is Income. The reporting of this account as a debt is inaccurate.

15 USC 1681S-2 says XXXX is furnishing information to a consumer reporting agency.

You are PROHIBITED BY LAW to furnish inaccurate information. I DEMAND you to Cease and Desist the reporting of incorrect/inaccurate information immediately and delete the account.

15 USC 1681S-2 ( a ) ( 1 ) ( A ) ( A ) Reporting information with actual knowledge of errors 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 explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian and XXXX XXXX are violating my FCRA consumer rights. I sent a dispute on XX/XX/2024 and they have not responded. I also contacted the court for the inaccurate Bankruptcy on my report, they stated that they do not report to credit bureaus. I attached a copy of the document they provided. Please help me investigate this. The inaccurate accounts and XXXX are preventing me from obtaining 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 explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 explanation
Consumer complaint received 2024-02-28 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states I have the right to privacy. 

And according to 15 USC 1681eb they are supposed to ensure this 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. 

15USC 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish and 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 explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My complaint against Bank of America is because they advised me they were closing my account on XX/XX/XXXXbut because my tax return was deposited on the XX/XX/XXXXthey say they are not closing or releasing a cashier 's check until XX/XX/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 monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I strongly request the removal of this late payment from my account, as it does not reflect my payment history accurately.

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 2024-02-28 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: NJ

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I filed a dispute to receive credit for a purchase. In the mean time, XXXX issued a credit for the purchase but Goldman Sachs did not return the disputed funds back to XXXX even though I was told the funds would go back to the merchant ( XXXX ) in 3 - 5 days. This was XX/XX/24 and XX/XX/24. As ofXX/XX/24 I had to pay XXXX the funds Goldman had not returned.

Company response to consumer: Closed with explanation