vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: NY

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: TX

Complaint narrative:
I am writing to address the ongoing issue of fraudulent, inaccurate, and misleading information on my consumer report, which remains unresolved despite my repeated efforts to rectify it. The presence of these unauthorized items has caused me considerable distress and anxiety, significantly impacting my daily life. I must emphasize that I never gave permission for this information to be associated with my name, as I have been a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 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:
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 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: MS

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COAST PROFESSIONAL, INC.
State: MN

Complaint narrative:
This debt stems from the IRS. IRS contracted with the company XXXX XXXX XXXX XXXX. 
In XXXX I owed {$430.00}. I didn't pay the debt until XX/XX/XXXX. Since I didn't know what the interest that would be charged on {$430.00} so I paid {$500.00} figuring it would cover the amount due. 
The IRS claims I never paid my debt and so for two years the amount of {$430.00} had been steadily increasing. The IRS wouldn't return calls or letters. The IRS contracted with XXXX XXXX XXXX XXXX to collect the debt. 
On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX XXXX, including letters from the IRS 's own debt collectors proving I had paid. My bank sent a letter with documentation that I paid. I sent in a copy of the IRS 's Direct Pay that showed I paid. 
When I contact XXXX XXXX XXXX XXXX -- every representative has a different way of interpreting the documents. 99 % have indicated I have sent the correct info to prove that I paid this debt, but the XXXX I spoke with today, indicated that SHE BELIEVES I still owe an additional {$490.00}! I asked what that was for and she said penalties. I asked what sort of penalties and she said she didn't know. 
I want the IRS to look at the documentation, admit they are wrong, and stop bothering me with debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
Initially reached out on XX/XX/XXXX to have the PMI removed. 

The mortgage is currently at {$260000.00}. 

The property on XXXX is at {$330000.00}. 

This puts me well above the 20 % requirement. At the time XX/XX/XXXX the property was actually worth more. Additionally homes in the neighborhood have gone XXXX % above XXXXXXXX XXXX top line. 

Reached back out today XX/XX/XXXX and they are restarting the process again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: 1st Franklin Financial Corporation

Complaint narrative:
1st Franklin Financial started calling me almost every day last 3-4 months.

Finally I decided to give them a call back.

They say they sent me a convenience check and I owed money to them.

I have been out of the XXXX  since the summer of 2015. 
There is no way I cashed a check from them. 
I gave them my email address and I asked them to send me the cashed check image. 
They told me they will send me the check image. 
This check I never touched or cashed. 
Now, I saw they inquired my credit report and reported a loan as if I owe money to them. 

I never cashed a check from them and I do not owe them money. 
Today they made a hard inquiry to my credit again. 
I do not know where do they get my personal info but they keep continuing to bother me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: IL

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME ANXIETY AND I WON'T ALOW IT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: CA

Complaint narrative:
Hello, there is erroneous information that you keep reporting on my credit. This is really worrisome and it's stressing me out. My financial freedom is at stake and these errors halts the progress in achieving it. It's been a long time but you keep on ignoring it and it's taking a toll on my mental health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I filed a dispute for XXXX and XXXX XXXX for XXXX and XXXX for XXXXXXXX XXXX because my money had been stolen I am filing a police report now that I have all the information I need they denied my claim even though I provided them text messages that my money was stolen no one has been able to give me any information on why my claim was denied it just is denied

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have worked very hard to acheive a near perfect credit score. I am constantly receiving phone calls and emails from scammers trying to impersonate banks and companies I frequently do business with. It upsets me when some banks think they are above the law and spray and pray unsolicited credit cards at customers with good credit rating. 

I have been a Kohls customer for many years but rarely used their rewards program. They increased my credit limit from {$500.00} to {$2000.00} without my permission in XXXX. I contacted credit.kohls.com about it and was informed about the pending conversion to Capital One XXXX Credit Card. 
Hence I closed my account right then and there and requested them to send me a letter confirming this, which I received. There were no payments pending or balance owed on my account with kohls when I closed it. 
Kohls/XXXX are now appearing on my equifax credit report as closed. 

I have been receiving junk email from capital one announcing their credit card rollout with no option to unsubscribe or close. 

Then on XX/XX/year>, I received an unsolicited credit card from Capital One bank. When I called the bank, the only way to speak to an agent was to enter the card number. The IVR did not ask me for any other information to verify the account. It straight away gave me the option to activate the card. 
The agent I spoke with initially thought that I was calling to activate the card but got nervous and shifty when I informed him that this was an unsolicited card for a closed account and in violation of FCRA. I confirmed with him that the balance on this account was {$0.00}, I made him cancel the card, close my account, and flag me as someone not to do business with and do not contact. 
During the course of the conversation, the agent informed that they are getting a lot of calls about this since the transition to capital one started. 

I have also recorded the conversation to keep the record straight, as the law allows me to do so in my state of residence. I am happy to share it with any investigator or attorney for the purposes of bringing Capital One to justice.

I am very upset with Kohls for selling/ giving my information to Capital one without my consent.

I am very upset with Capital One for issuing thousands of unsolicited credit cards without doing their due diligence.

Kohls is a dying brand. Many customers don't shop there anymore and do not have their current address on file with Kohls. Innocent people are going to have their credit ruined when these unauthorized cards fall into the wrong hands.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 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: AR

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX I need to dispute this account ppl with account number for XXXX and Reference Number XXXX balance is {$XXXX} because this account is fraudulent I never open it please waive the balance to {$XXXX} and Closed Debts Id Service Date Account Number XXXX XX/XX/year> 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 2024-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: South Carolina State Housing Finance and Development Authority
State: AL

Complaint narrative:
I sold my home in XX/XX/year>. As the loan had been " paid off '', the lender later sent me an escrow refund in XX/XX/year>. In XX/XX/year>, I was notified that there was a lien on the property and was told that I owed XXXX. I was told it was due to a returned payment for a check on XX/XX/year> due to insufficient funds. I pointed out that I had corrected the error and made a payment that had gone through successfully on XX/XX/year>. I was then told that I was credited for both payments when the lender provided the payoff amount to the attorney. I closed on XX/XX/year>. Per the lender, they weren't aware the check was returned until XX/XX/year>. In addition, the supervisor of the mortgage department stated they weren't aware of the negative balance on the amount until XX/XX/year>. I suspect this may have been due to some type of internal audit. Now, they expect me to pay XXXX for a house I no longer live in or have any claim. I feel as though I'm being penalized for the lender 's error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: MD

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 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: CA

Complaint narrative:
To Whom It May Concern, I am writing to express my extreme frustration and utter disgust after discovering that the following com- pany ( s ) have reported charge off ( s ) on my consumer report : [ XXXX XXXX XXXX XXXX XXXX ] It is clear that the charge off ( s ) on my consumer report is/are in direct violation of the laws cited above. As such, I am entitled to receive damages for this willful noncompliance. Let me be unequivocally clear, according to 15 US Code1681n, I can charge {$1000.00} for damages if. The reported cancellation of debt does not accurately reflect the circumstances under which the debt was canceled. Debt was Canceled by Insolvency/Other. Due unforeseen events and are now counted as Income on my 1040 Tax Form, and as such, it should not impact my credit report negatively.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 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: CA

Complaint narrative:
To Whom It May Concern, I am writing to express my extreme frustration and utter disgust after discovering that the following com- pany ( s ) have reported charge off ( s ) on my consumer report : [ XXXX XXXX XXXX XXXX XXXX ] It is clear that the charge off ( s ) on my consumer report is/are in direct violation of the laws cited above. As such, I am entitled to receive damages for this willful noncompliance. Let me be unequivocally clear, according to 15 US Code1681n, I can charge {$XXXX} for damages if. The reported cancellation of debt does not accurately reflect the circumstances under which the debt was canceled. Debt was Canceled by Insolvency/Other. Due unforeseen events and are now counted as Income on my XXXX XXXX XXXX, and as such, it should not impact my credit report negatively.

Company response to consumer: Closed with explanation