vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My account was sent to collections because the final bill was mailed to me post-my move out date, hence I never received it. 

I reached out to XXXX XXXX in XX/XX/year> to confirm that if I paid them ( the collector ) directly, they would recall the debt from collections. I paid XXXX XXXX directly, and they confirmed via written email that they recalled my debt from collections. 

I filed a dispute with all three credit agencies with the written confirmation that XXXX XXXX removed my debt from collections : XXXX ) XXXX in XX/XX/year> agreed to remove the collections from my credit report. XXXX ) XXXX in XX/XX/year> agreed to remove the collections from my credit report. XXXX ) Equifax refuses to remove the collections from my credit report. I have submitted the request 3 times ( last one as of XX/XX/year> ) and have shown proof of collector recalling the debt + two other agencies removing it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: AZ

Complaint narrative:
In accordance with the Fair Credit Recording Act XXXX Acct # XXXX XXXXXXXX has Violated my rights Via XXXX XXXX XXXX A third party Agency. 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 also states a consumer reporting agency can not furnish an account without my written instructions.15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX Never informed me of my right to exercise my nondisclosure option. This account Shows on my credit report as a Charge off and Per the IRS Publication 4681 States, " Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return '' I have attempted to get this off of my credit report can you help me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
I transferred money out of one credit card to another. The receiving bank, XXXX XXXX, posted the incoming transfer on XX/XX/XXXX. Citi never released the money from my account. Calls to both banks have not fixed this problem. I now owe money to both banks and Citi is charging interest they should not be.

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 2024-12-02 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: NC

Complaint narrative:
i pulled my XXXX credit report and noticed a credit card that was opened in my name.

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 2024-12-02 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: NC

Complaint narrative:
i pulled my XXXX credit report and noticed a credit card that was opened in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: SC

Complaint narrative:
I PREVIOUSLY REQUESTED A BLOCK DUE TO IDENTITY THEFT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Subject : Demand for Immediate Deletion of Unauthorized Inquiries on Credit Report I am writing to formally dispute the certain unauthorized inquiry listed in my credit report. After reviewing my credit file, I identified the following inquiry that were made without my consent or authorization. I have contacted the creditors listed below, and they have been unable to provide any proof that I initiated these inquiries or gave written consent for them. 

The following inquiry is disputed as unauthorized : Creditor : XXXX  Date of Inquiry : XX/XX/year> This inquiry was not authorized by me, either verbally or in writing, and I have received no documentation to support any permissible purpose for these inquiries, as required by law. Therefore, I request that you immediately delete these inquiries from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Subject : Demand for Immediate Deletion of Unauthorized Inquiries on Credit Report I am writing to formally dispute the certain unauthorized inquiry listed in my credit report. After reviewing my credit file, I identified the following inquiry that were made without my consent or authorization. I have contacted the creditors listed below, and they have been unable to provide any proof that I initiated these inquiries or gave written consent for them. 

The following inquiry is disputed as unauthorized : Creditor : XXXX  Date of Inquiry : XX/XX/year> This inquiry was not authorized by me, either verbally or in writing, and I have received no documentation to support any permissible purpose for these inquiries, as required by law. Therefore, I request that you immediately delete these inquiries from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: TX

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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Pawn loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Gotmortgage.com

Complaint narrative:
This company offer loan in XXXX and I start send money by bank transfer as fees in XXXX asked money by XXXX XXXX and ipayed XXXX until this year I asked them to refund my money they refused to send my money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Bank of America Attention : Customer Service or Dispute Department Bank of America XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX Subject : Request for Account Information Greetings, I am writing in reference to my Bank of America accounts currently on file with your company. 
XXXX. BANK OF AMERICA # XXXX XXXX. BANK OF AMERICA # XXXX Please note that I am not disputing the account at this time, but I am requesting the following specific information regarding each account : 1. Date of First Delinquency 2. Date of Last Payment 3. Date of Charge-Off I would appreciate your prompt attention to this request and look forward to receiving the requested information. Please feel free to contact me should you require any further details to fulfill this request. 
Thank you for your time and assistance. 

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 explanation
Consumer complaint received 2024-12-02 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: TX

Complaint narrative:
I am submitting this complaint against XXXX XXXX XXXX, XXXX, Transunion and XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Details of the Issue : XXXX XXXX XXXX is reporting two fraudulent collection accounts on my credit file : XXXX. Account XXXX XXXX in the amount of {$2800.00} XXXX. Account XXXX XXXX in the amount of {$2300.00} I have never had any contractual or financial dealings with XXXX XXXX XXXX and have not authorized any accounts with them. These accounts are the result of identity theft, and I have previously disputed them as fraudulent with both XXXX XXXX XXXX and XXXX and the other two credit reporting agencies.. 

Despite my disputes : XXXX claims the accounts were verified but has not provided the method of verification, as required under Section 611 ( a ) ( 7 ) of the FCRA. In which Inhave also requested. 
XXXX XXXX XXXX has not provided proper validation of the debts as required by the FDCPA. I which I have also requested. 

Specific Violations : XXXX. XXXX, Transunion and XXXX Failed to disclose the method of verification for the disputed accounts. 
Continued to report unverifiable accounts, violating Section 623 ( a ) ( 3 ) of the FCRA. 
XXXX. XXXX XXXX XXXX : Failed to provide validation of the debt, including proof of the original agreement with my signature. 
Continues to report these debts without verification, violating the FDCPA and FCRA. 

If no verification is provided, the accounts must be permanently deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am submitting this complaint against Midland Credit Management, XXXX, XXXX and XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Details of the Issue : Midland Credit Management is reporting two fraudulent collection accounts on my credit file : XXXX. Account XXXX XXXX in the amount of {$2800.00} XXXX. Account XXXX XXXX in the amount of {$2300.00} I have never had any contractual or financial dealings with Midland Credit Management and have not authorized any accounts with them. These accounts are the result of identity theft, and I have previously disputed them as fraudulent with both Midland Credit Management and XXXX and the other two credit reporting agencies.. 

Despite my disputes : XXXX claims the accounts were verified but has not provided the method of verification, as required under Section 611 ( a ) ( 7 ) of the FCRA. In which Inhave also requested. 
Midland Credit Management has not provided proper validation of the debts as required by the FDCPA. I which I have also requested. 

Specific Violations : XXXX. XXXX, XXXX and XXXX Failed to disclose the method of verification for the disputed accounts. 
Continued to report unverifiable accounts, violating Sectio

n 623 ( a ) ( 3 ) of the FCRA. 2. Midland Credit Management : Failed to provide validation of the debt, incl
uding proof of the original agreement with my signature.

Continues to report these debts without verification, violating the FDCPA and FCRA.

If no verification is provided, the accounts must be permanently deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: CL Holdings LLC
State: CA

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: LA

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 each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: NC

Complaint narrative:
Today on XX/XX/year>, MOHELA sent me a message saying that my interest will continue to accrue while my SAVE plan loans are in forebearance. My interest rate still shows XXXX XXXX on the website but there is an amount of money that it is saying I am accruing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-02 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: CT

Complaint narrative:
Inaccurate data on payment history. Car is fully paid off. How can a person be late XXXX for 6 months? I demand Consumer reporting agency to show bank statements from creditor that shows my car payment was late fix immediately or delete

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 2024-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: NH

Complaint narrative:
I am filing this complaint regarding Granite Edvance Corporation 's failure to validate alleged debts linked to accounts ending in XXXX and XXXX and their non-compliance with federal laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Privacy Act of 1974, and 15 USC 6801-6802. Despite requesting original wet-ink promissory notes or legally authenticated copies, I have not received them, and the creditor has not provided evidence of permissible purposes under 15 U.S. Code 1681b for procuring or reporting my consumer information. Furthermore, they continue reporting transaction history without my explicit consent, violating privacy safeguards. I have formally opted out of any authorization permitting the sharing of my personal data, yet they persist in these actions. I demand proper documentation, immediate cessation of reporting, compliance with opt-out provisions, and assurance of privacy protection. Failure to comply will lead to regulatory escalation and potential legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: DISCOVER BANK
State: GA

Complaint narrative:
I applied for a Discover Credit Card with a great promotional offer and was denied ( Unable to verify credit reference ). 

I called and the rep said there was no additional information available. 

On the denial letter my credit score was XXXX. The rep stated they use other information to make a determination.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: CA

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Company response to consumer: Closed with non-monetary relief