vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-19 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: VA

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2023-12-19 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: FL

Complaint narrative:
To who it may concern, I am writing to dispute incorrect late payment information from XXXX XXXX XXXX  that is showing on my credit report. Specifically, my account status is listed as current, yet the payment history shows a payment that is 30-59 days late. This contradicts the account status and is negatively impacting my credit score. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct a reasonable investigation when consumers dispute information on their reports. I am requesting that you immediately investigate this inaccurate late payment posting and delete it from my credit report. 

This erroneous information is damaging my ability to obtain credit and financing. Despite my account with XXXX XXXX XXXX  being current, the incorrect late payment history you are reporting has lowered my credit score significantly. I have suffered financial distress due to decreased credit opportunities as a result of this inaccurate information. 

To summarize, I am disputing the 30-59 day late payment you have on file from XXXX XXXX XXXX  and demanding that you remove this incorrect payment status immediately. Please conduct your investigation and rectify this issue as soon as possible in accordance with FCRA guidelines so that my credit report properly reflects the true status of my account. 

Please let me know when you have completed investigating and resolved this inaccurate information on my credit file. I appreciate your time and cooperation in ensuring the responsible reporting of my credit history. Yo Enclosures : [ ITEM SHOWING CURRENT PAYMENT STATUS YET COMMENT 30-59 DAYS LATE ]

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 2023-12-19 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: FL

Complaint narrative:
To who it may concern, I am writing to dispute incorrect late payment information from XXXX XXXX XXXX that is showing on my credit report. Specifically, my account status is listed as current, yet the payment history shows a payment that is 30-59 days late. This contradicts the account status and is negatively impacting my credit score. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct a reasonable investigation when consumers dispute information on their reports. I am requesting that you immediately investigate this inaccurate late payment posting and delete it from my credit report. 

This erroneous information is damaging my ability to obtain credit and financing. Despite my account with XXXX XXXX XXXX being current, the incorrect late payment history you are reporting has lowered my credit score significantly. I have suffered financial distress due to decreased credit opportunities as a result of this inaccurate information. 

To summarize, I am disputing the 30-59 day late payment you have on file from XXXX XXXXXXXX XXXX  and demanding that you remove this incorrect payment status immediately. Please conduct your investigation and rectify this issue as soon as possible in accordance with FCRA guidelines so that my credit report properly reflects the true status of my account. 

Please let me know when you have completed investigating and resolved this inaccurate information on my credit file. I appreciate your time and cooperation in ensuring the responsible reporting of my credit history. Yo Enclosures : [ ITEM SHOWING CURRENT PAYMENT STATUS YET COMMENT 30-59 DAYS LATE ]

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 2023-12-19 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SS # XXXX XXXX XX/XX/XXXX XXXX Greetings to whom it may concern, XXXX Inquiry : XXXX. XXXX, XXXX Please take a look at the information that I am disputing on my credit report, this information is inaccurate on my credit report. I am asking for a full investigation. Please fix this report effective and immediately. I am disputing the credit inquiries that are not mines and needs to be removed. 
Please send me written confirmation, also include proof that youve complied with section 623 ( a ) ( 4 ) of the Fair Credit Reporting Act to the National Credit Bureaus.

Thank you for your cooperation. If you have any questions concerning this matter I can be reached at phone number above.

Thanks in Advance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
Please review the attached documents. I urge the bureau to begin an investigation into these accounts, as I have never been late, yet they are incorrectly reporting me as such.

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 2023-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX is reporting information without my consent also i have send police report on the account thats reporting without my consent i dont owe these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i upload a police report twice made a new as well with lard see attachments these company violated my right to privacy 15 U.S 1681i

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 2023-12-19 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: CA

Complaint narrative:
XXXX is reporting information without my consent also i have send police report on the account thats reporting without my consent i dont owe these companies XXXX XXXX  XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i upload a police report twice made a new as well with lard see attachments these company violated my right to privacy 15 U.S 1681i

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Over a year ago I was granted a Home Depot Store credit card with a {$2000.00} credit limit. I did not exceed my limit and made all payments on time. Without warning at some point my credit limit was reduced to {$600.00} and then {$500.00}. However, Home Depot never corrected what was considered to be a high balance when the credit limit was {$2000.00}. 
As a result my credit reports show a {$500.00} credit limit with a high credit balance of over {$900.00}. This is not fair because it can be easily be construed that I exceeded my {$500.00} credit limit by {$400.00} dollars and that never happened. There is no history showing that my credit limit was more than {$500.00} at the time I had the $ XXXX due.

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 2023-12-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
I have been paying my loans since payments started back up in XXXX. I have called multiple times and am put on lengthy hold times with no resolution. 

I set up auto pay and get confirmation email payments but apparently none of them have gone through. I have received no messages indicating that this was the case. Then I get a random email saying I havent made payments. 

I contacted aidvantage and they said everything was fine so I kept up my auto payments. Still no notifications on payments not going through. 

I get another random email saying I havent made a payment, yet Ive been getting all these confirmation emails on these monthly payments.

I call again and they said my bank rejected the payments. They havent. My bank asks for reference # s for the rejected transactions and now aidvantage is saying they do not have that.

Both sides are saying its the others fault and Im sitting here stuck with payments and late charges and cant get anyone to answer and when they do answer, theyre unhelpful. 

XXXX XXXX XXXX is who I spoke with and who was unhelpful the most

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: MOHELA
State: WA

Complaint narrative:
Mohela reported my student loans to XXXX bureaus finally, but they reported them as Deferred and only included XXXX months of information out of the XXXX or XXXX  months it's been total. They were more concerned with my old original accounts reported since they actually reported them multiple times while I was waiting for the fresh reports. Their fresh reports did not reflect a single thing that I was told would happen if I enrolled into the Fresh Start program, It actually put me in a worse position than I was in when I had the collection accounts on my reports for multiple years. 

I was baited into the program using pure deception, and I would have not enrolled if I had known this was going to be the result. Everything I was thinking was going to happen was nothing but a big blatant lie directly to me over the phone. I was so happy to hear what would happen to my accounts and credit reports that I shared the wonderful news with almost everybody I know, including posting about it on multiple public Discord servers. I thought my life was finally going to get to a stage where I was able to get personal loans or business startup loans, credit accounts, pretty much all of the options the average XXXX XXXX has available. Nope, I still have absolutely no options, and now I don't even have any credit scores once again! XXXX years since I was scoreless and now I'm right back to square 1 with my non-existent financial opportunities. 

I also didn't receive any billing statement for XXXX, and I made a payment in XXXX voluntarily, yet my credit reports claim my last payment was the day before it was reported for the very first time and reported as Deferred on XX/XX/2023. 

Im going to consult with my lawyers to determine the extent of this whole thing with Mohela, and also Im going to file a lawsuit directly against the Department of Education XXXX XXXX that my accounts were transferred from, for deceptive business practices and everything else the incident falls under.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: FL

Complaint narrative:
To Whom It May Concern, I trust this letter finds you well. I am writing to address discrepancies in the reporting of my personal information on my credit report. Having recently reviewed my credit report, I have identified inaccuracies associated with my profile. 

As of the date of this correspondence, my current residence is accurately reflected by the address stated above. However, I have observed inconsistencies in the reporting of my date of birth and name. I am reaching out to you to promptly rectify this matter. 

To facilitate the correction of errors on my credit report, I kindly request the following actions : Update my credit report with the correct name and date of birth as follows : Date of Birth : XX/XX/1991 Name : XXXX XXXX XXXX Remove all previous addresses from my credit report, as I no longer reside at those locations. The inclusion of outdated addresses is impeding the verification of my identity and adversely affecting my ability to secure approvals for various financial transactions. 

To support this request, I have enclosed a copy of my updated address form, serving as proof of my current residence. Additionally, I am willing to provide further documentation, such as a utility bill or other forms of verification, to facilitate the verification and update of my credit profile. 

Understanding the significance of maintaining accurate and up-to-date information on my credit report, I appreciate your prompt attention to this matter. Your assistance in resolving this discrepancy is crucial for my seamless conduct of financial transactions. 

I kindly request that you investigate and address this matter within the legally stipulated timeframe. I eagerly anticipate receiving confirmation of the corrections made to my credit report. 

Thank you for your expeditious attention to this matter. I sincerely appreciate your cooperation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 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: IL

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against TransUnion LLC regarding inaccuracies on my credit report. I believe that TransUnion is violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S. Code 6802. 

I assert my right to opt out of the reporting of certain accounts on my credit file, as provided by 15 U.S. Code 6802. Despite my explicit request, TransUnion continues to report the following accounts : XXXX XXXX card service account number : XXXX First progress card account number : XXXX self financial XXXX account number : XXXX I am formally requesting that TransUnion immediately deletes these accounts from my credit file in compliance with my rights under the FCRA. This action is crucial to ensure accuracy and fairness in my credit reporting. 


I request a thorough investigation into this matter and prompt corrective action. Additionally, I demand written confirmation once the disputed accounts have been removed from my credit file. 

I appreciate your attention to this serious matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure compliance with the Fair Credit Reporting Act. 

Thank you for your prompt action. 

Sincerely, 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 2023-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Bitstamp USA, Inc.
State: CO

Complaint narrative:
I deposited {$52000.00} into bitstamp with the intent of purchasing crypto currency. I submitted their verification on XX/XX/14 and since then my account funds have been locked. I can not buy crypto currency nor can I withdraw my funds. I have done nothing beyond depositing the funds and proceeding with their verification. It has been over a month that this has been going on and I need my funds back. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/XXXXXXXX  I requested a payoff quote from Capital one, there after i sent lawful tender of the loan. I sent them a letter of defaault and oppertunity to cure aand another letter requesting the 1099c copy they submitted to the IRS with no response as per their terms they will provide the 1099c one they submit it to the IRS under " 1099-C tax form Youll receive a 1099-C tax form for debt forgiveness if you are the primary borrower and have a loan, home equity or credit card account, or are overdrawn on your deposit account, and {$600.00} or more of principal balance is forgiven. Also, if you are a co-borrower, you will receive a 1099-C form if {$10000.00} or more of principal balance is forgiven. '' XXXX XXXX XXXXcapitaloneXXXX On XX/XX/XXXXXXXX  I called and spoke to the recovery manager to request copy of the 1099c and to discuss the forgeries and fraudulent agreement that was sent to me on XXXX XXXX   but she insisted on threatening to have the vehicle repossessed that I need to surrender it. 
Violating many laws. for one 15 USC 1692e ( 4 ) repossessions are illegal in the collection of any debt. 
Reporting Income on a consumers report as the 1099-c is considered income according to the IRS website XXXX This fraudulent loan was already charged-off but Capital one continues to report this adverse item on my consumers report under 15 USC 1681c , Because I have advised Capital One of the laws they're violating and continue to willfully and knowingly violate I do seek compensation under 15 USC 1681n ( a ) ( b ) and 15 USC 1681o ( 1 ). Violating my privacy under the privacy act of 1974 ( b ) conditions of disclosure, Capital one did not provide disclosure notices and I did not provide written consent to disclose my information to any nonaffiliated company like XXXX, XXXX, or XXXX. Violating 15 USC 6802 ( a ) ( b ) and ( c ) not providing required notices to opt out. Furthermore, Capital One violated 15 USC 1605 ( a ) and 15 USC 1662 ( 2 ) my finance charge was supposed to include any and all charges but as shown on the documents, I am submitting, I was tricked into putting a down payment of {$1000.00} or I would a have an adverse action of being denied the vehicle. 
I have submitted a complaint regarding to this same issue to CFPB with not solution. I will attach the agreement I signed at the dealership and the agreement Capitol One sent me.

Company response to consumer: Closed with explanation