vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-11 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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: TX

Complaint narrative:
I received an alert on XX/XX/XXXX from my bank that my credit score had changed and that something was sent to collections for the amount of {$8700.00}. The debt collector was Credit Control LLC. Spoke to them on XX/XX/XXXX and they informed me an account was opened up with XXXX and that many different devices like cell phones and smart watches were purchased fraudulently. They gave me the number to XXXX, I spoke to them, and they informed me that it was unlikely that the issue would be resolved and that I would have to be responsible for the charges. I was informed that XXXX conducted an " lengthy investigation '' by a " Supervisor '' when the account was created and found the account to be legitimate. I was informed to complete an ID Theft Packet but that it was unlikely the investigation would be overturned and I would be held responsible for the debt someone else accumulated.

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 2023-12-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: FL

Complaint narrative:
Approximately XXXX months ago, I took my cat to the vet because he was very sick. He ended up passing away after approximately {$3000.00} in vet bills. My vet said I could take out a loan through a company they use, and when I showed them my phone to ensure I was using the correct application, they mistakenly told me it was the correct site. I didn't find out until a few minutes later, Max Lend was not the company they use. I did not think anything of it, as I I was sure it was a loan shark or a predatory company, but I figured I would just pay it off within the next month and just chalk it up to a mistake. I didn't think the interest rate would be as high as it ended up being, I would be paying more than double with my actual loan was to begin with, and they would make ridiculous rules to make it more difficult for me to pay it off faster. I attempted to make extra payments, but always had issues online and by phone. One of the issues is that it would not allow me to use a different bank account number to pay. So I transferred money from that account to the one registered with Max Lend but the issues continued. Then they would not allow me to make a payment sooner than 2 weeks out so I could pay the loan off faster, but they only had the option of paying more on my due date. I attempted to just add another payment to my already scheduled due date, and the website advised if I chose this option, the amount needed to be minimum {$500.00} on top of the XXXX being withdrawn. When I attempted to make a solo payment, the website would not allow me to do so because I already had a payment set up for my next payday. When I attempted to pay interest only, the website stated I could only make a {$500.00} minimum payment towards interest and would not accept any lower payment -- except for today, after speaking with the representative I tried again and this was the first day I could actually make an interest payment ( I did not complete the process and click submit because I did not want to make any payment, so I'm not sure that it would actually go through ) XXXX I made a complaint online and received a phone call from XXXX of their employees, who refused to work with me. They stated I could pay {$1400.00} and pay off the loan. I told them that was ridiculous as I had already paid {$2100.00} for a loan of {$1500.00} that I took out less than 3 months ago. I offered to pay {$400.00} and be done with the loan, and he stated I had to pay {$1100.00}. I am upset because this was completely by accident because of the vet technician 's error, in fact they even refunded me some of my vet bill because of the mistake. But I certainly was not expecting this high of an interest rate and didn't expect them to make it impossible for me to make any kind of payments to try to pay it off faster.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute several items on my credit report that I believe were reported in violation of 15 U.S. Code 1692j, which prohibits " furnishing certain deceptive forms ''. I'd like to bring your attention to the case Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression. 
Given the precedent set by this case, I kindly request the removal of these accounts from my credit report or its update to reflect a neutral or positive status. Doing so would ensure that my credit report is a fair and accurate representation of my credit history. Below are the refenced accounts that need to be updated to reflect positive and or removed from my credit report. Specifically, the following items on my report are disputed attached in document

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 2023-12-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have no knowledge of several account on my credit report listed as XXXX. The account numbers are listed as XXXX, XXXX, and XXXX. I requested information on account ownership from both the credit bureaus directly and received no response. The credit bureaus simply told me they verified the information but never provided me with that information directly when I requested it. I need a signed loan contract or agreement showing I own these accounts.

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 2023-12-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Good Morning. I have a large amount of student loans with Nelnet. As soon as the XXXX application was rolled out, I applied. Nelnet is unable to calculate my payments, so they have put me in an administrative forbearance. Right now the forbearance is set to end in XX/XX/2027!!!! I am currently accruing interest at about XXXX a month. I have reached out to them, and they state I will be responsible to pay back all this interest. I need help getting them to calculate and place me in the XXXX repayment plan. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: TX

Complaint narrative:
I have no knowledge of this account listed as XXXX XXXX XXXX  XXXX I requested information on account ownership from both the credit bureaus directly and received no response. The credit bureaus simply told me they verified the information but never provided me with that information directly when I requested it. I need a signed loan contract or agreement showing I own this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want you to investigate this inappropriate information on my credit report and after investigating please delete it! 


Account Number : XXXXXXXX XXXX Account number XXXX Date Opened XX/XX/XXXX Balance {$820.00} Account Number : XXXX XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX Balance {$1700.00} Account Number : XXXX XXXX XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX Balance {$0.00} Account Number : XXXX XXXX  Account number XXXX Date Opened XX/XX/XXXX Balance {$770.00} Account Number : XXXX XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX Balance {$0.00} Account Number : XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX Balance {$1900.00} Account Number : XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX Balance {$2900.00} Inquieres -- -- -- -- -- 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 explanation
Consumer complaint received 2023-12-11 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: IN

Complaint narrative:
I am a victim of identity theft and have made this clear to this company. 

I sent the first letter to them on XX/XX/2023, letting them know I am a victim of identity theft and that 3 accounts were opened in my name. I went on to ask them to validate the accounts and remove them if they couldn't. 

I sent the second letter to them on XX/XX/2023, letting them know that I know they have 30 days to verify the disputed accounts and that I hadn't heard from them yet. 

I am sending the third letter to them today, XX/XX/2023, letting them know that I still have not heard from them and that further action will be taken if they do not uphold the law in this matter. I told them that I fully intend to pursue litigation in accordance with the FCRA. 

I am sending the fourth letter on XX/XX/2023, notifying them of my final written offer of settlement before litigation as my attempt to resolve their continued violation of the FCRA regarding their refusal to delete unverified information from my consumer profile. I informed them that I intend to seek relief and monetary damages under FCRA section 616 and section 617, being that it has now been over 30 days with no verification results from them. 

I have also filed an Identity Theft Report with the Federal Trade Commission regarding this matter. 

At this point, I can not confirm that they have done a single thing to protect me and 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 explanation
Consumer complaint received 2023-12-11 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: GA

Complaint narrative:
The account in question is listed as a charge-off. Charge-offs are considered Certificates of Indebtedness pursuant to IRS Publication 4681 ( 1. ) Canceled Debts, which means it is income and must be removed as income can not be reported in a consumer report, especially when the income reported does not belong to me as the consumer. Pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 concerning this account specifically, effective immediately and indefinitely. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I SENT DOCUMENTATION TO THIS COMPANY THAT THIS ACCOUNT IS FRAUDULENT AND MUST BE REMOVED! THE COMPANY HAVE REFUSED TO ACT ON THIS MATTER. I KNOW MY RIGHTS AS A CONSUMER. IN REFERENCE TO 15 USC 1681C-2A AND 15 USC 1681B

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 2023-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: United Shore Financial Services, LLC
State: WA

Complaint narrative:
I have opening case- XXXX This company has not addressed the late fee issue ; instead, they've sent me a new bill with the late fee included. What concerns me is that the same situation, which was supposed to be resolved in the last case, is happening again now. The company assured me over the phone that they would rectify the late fee due to a system mistake, only to charge me again. 

I've lost trust in this company as it seems they are finding excuses to charge customers, possibly because I locked in a low rate and consistently paid my bills on time each month. 

I request assistance in resolving this matter and preventing other customers facing similar issues from experiencing the same. This situation is adversely affecting my credit and consuming valuable time as I have to repeatedly dispute such matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Credit Karma, LLC
State: ME

Complaint narrative:
On XX/XX/XXXX a fraudulent charge of {$22.00} was posted to my account through a debit card that was previously replaced and should have been deactivated. This charge was after I reported the same transaction for the same amount of money, as fraud the previous month and requested a new card. 

Credit karma refused to remove the charge both times and can not answer as to why a deactivated card was able to be charged. 

In, fact credit karma denied every single charge dispute Ive ever made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I received several calls from two different XXXX XXXX. The first was from Midland, formerly XXXXXXXX XXXX. I told XXXXXXXX XXXX XXXXhe first time they called I could not receive calls at work that the numbers they had listed was for work purposes only. I asked them to remove the number, it wasn't even to my area. I received a call from a gentleman on the XXXX  weeks later. I answered the phone with the with our company name as required. He asked for me and said who he was with. I told him to removed the number this was a number he shouldn't ever call. At this time I was surrounded by team members. He said he will remove the number but since I was on the phone he wouldn't take long. He began telling me this was in reference to a legal matter. I tied stopping him without alerting the team members around me what the call was about but he continued on for several minutes and I eventually said please remove my number and hung up. I went to lunch and when I returned a Manager in another department asked me if I received my phone call it seemed important when I returned to my area my coworker was on the phone telling someone I was at lunch. When she sat down she told me I had several calls from an attorney in refence to a legal matter. When I looked on the caller ID there was another call from Midland and a call from XXXX XXXX XXXX XXXX She told me they keep calling and I better go handle it. I had to leave work early and I was so embarrassed, I still am. I called XXXX XXXX and at she said she never said that and later in the call she denied even calling but the number is in the caller ID. By the end she said it must have been the legal department. When I called Midland they sent me from person to person and refused to even take a complaint just saying sorry for the inconvenience. They even attempted to discuss the debt rather than give a supervisor. Finally I got someone who said she was a supervisor and claimed she took a complaint but I don't think she did.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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: GA

Complaint narrative:
15 usc 1692 ( b ) account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violated this law and needs to be removed ASAP. 

15 usc 1681 ( B ) accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violates this law and needs to be removed ASAP. 

Credit reporting agency should not have the right to knowingly and willingly violate the law on any consumer 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 2023-12-11 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: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
15 usc 1692 ( b ) account XXXX XXXX XXXX XXXX, Amsher Coll XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violated this law and needs to be removed ASAP. 

15 usc 1681 ( B ) accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violates this law and needs to be removed ASAP. 

Credit reporting agency should not have the right to knowingly and willingly violate the law on any consumer report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: ME

Complaint narrative:
I submitted a request to change to a different Income Driven Repayment ( IDR ) plan on XX/XX/XXXX. I got confirmation of receipt of the request. On XX/XX/XXXX MOHELA placed me on administrative forbearance while the application was processed. On XX/XX/XXXX I received a letter from MOHELA saying my request was cancelled and that I was placed on the standard Level repayment plan. My monthly payment was changed from approximately {$500.00} a month to over {$3000.00} a month. The repayment plan is also not eligible for PSLF which I have been working toward for four years. I have attempted to contact MOHELA to fix this many times. They either disconnect the call or never complete my scheduled call back. My forbearance is scheduled to end at the end of XX/XX/XXXX and I can not afford the new payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation