vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-26 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: FL

Complaint narrative:
Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: OK

Complaint narrative:
Wakefield & Associates is trying to scam me out of money after my health insurance had already settled with them for services in XXXX of XXXX. The medical company tried to scam me & my insurance company for the services they provided. Insurance company settled with the medical company but the medical company attempted to extort money from me. Now, Wakefield & Associates is attempting to scam me by saying the account is in Collections. Never got anything from them saying I owed them money or anything of that nature. This is malicious & now ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a late payment on my credit report that not accurate Ive never paid this account late, Ive wrote the company and the credit bureaus several times reffering to this late payment and have not gotten any results!! The date of the late payment is for XX/XX/year> from XXXX XXXX XXXX  its one late payment and ive never had any late payment history ever!!

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 2024-11-26 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: CA

Complaint narrative:
I came across some hard inquiries on my credit report that did not belong to me.

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 2024-11-26 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: GA

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-11-26 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: NJ

Complaint narrative:
In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: DE

Complaint narrative:
I am frustrated with the repeated delays in addressing accounts on my credit report that are both in pending litigation and inaccurate.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been disputing for a few months with the credit bureaus. There are multiple accounts on my consumer report that showed payment status as late one or more times which is inaccurate. I asked the credit bureau to provide to investigate and provide documentation to how they verified the accuracy of the late payments and they have not provided that information. All they say is the account was verified. I disputed again requesting a re-investigation and if they were unable to provide the documentation to how they verified to please update the payment status to XXXX. Instead of updating the status from late 30 or 60 days to XXXX they update it to CO, Charged  OFF. My accounts have never charged off. 

How can an account show never missing a payment then for example in XXXX its CO then XXXX, XXXX, XXXX, payments are on time payment? 

The credit bureau is making up their own data. If they are truly investigating with the furnisher, they will have accurate, complete and verified information which clearly they dont. 

All of the accounts, both open or closed have never been late and should show a status of XXXX, paid as agreed never late. 

I even provided the law codes for many different things and they are not abiding by them. The FCRA required credit reporting agencies to follow their guidelines. 

PLEASE UPDATE ALL ACCOUNTS TO XXXX, PAID AS AGREED NEVER LATE IMMEDIATELY. ITS BEEN ALMOST 90 DAYS OF DISPUTING. 

15 USC1681 ( a ) ( 2 ) ( b ) 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) 15 USC 1666b 15 USC 1681n

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX was sold off to Firstmark Services. I am co-signor for child 's student loan. Child is currently enrolled as a full time graduate student and went through the process both with Firstmark and the educational institution on payment deferment. 

My child contacted Firstmark about three times to try to ensure the deferment process was being taken care of. Each time, the Firstmark representative, although courteous and friendly, advised that they had all the information they needed -- it just needed to " go through the system. '' I also contacted Firstmark approximately 15 days ago to ensure the deferment was taking place, since the first scheduled invoice was being sent out at the end of XXXX, XXXX. Again, I spoke to a courteous, friendly representative, and was told everything looked OK -- the paperwork just needed to be processed. 

My son contacted Firstmark last night ( XX/XX/XXXX ) to check on the status, and was told the exact same thing as all the times before. No one had any reason or idea why the deferment was not processed. It's the same story each time. It seems like Firstmark is playing the clock with loan holders and making them squirm or trying to squeeze them for payments by not doing what they're supposed to do. This is very poor customer service, and there really is no reason this should be happening. This seems to border on predatory lending practices, and Firstmark should be held accountable to do a better job handling accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: OH

Complaint narrative:
On XXXX while checking my bank account and realizing my balance was not where it should be, I found 4 unauthorized transactions along with 2 duplicate transactions from the same merchant XXXX. The duplicate transactions first occurring on XX/XX/XXXX for {$500.00} along with {$750.00} on XX/XX/XXXX. The 4 unauthorized charges begin XX/XX/XXXX for {$50.00}, XXXX {$170.00}, XXXX {$500.00}, XXXX {$400.00} for a grand total of {$2300.00}. On XX/XX/XXXX disputes were made but was told provisional credit was not going to happen since I authorized the transactions when I did not! My account is drained, claims department is not responsive or helpful, can barely afford gas and food right now and they are not offering provisional funds while they investigate. They mismanaged my account and let fraud occur and now are unwilling to return me my funds while they investigate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2024-11-26 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: PA

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2024-11-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I paid for an item intending to use my XXXX XXXX card on XXXX. However, they forced me to use PayPal, and then when I used PayPal, they didn't default to my credit card and instead used my checking account. I was intending to pay on my XXXX XXXX account. When I messaged customer service, they did not reply to me at all. Instead, connected me with a chatbot that completely misunderstood the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital One has locked my card on multiple occasions for suspicious activity. However there is no suspicious activity of making a payment on the card. 
No customer should ever be penalized for making a payment. 

I have already went through the process of verifying the bank account belongs to me. I use the same bank account every time. 
I am now being told I have to wait 10 business days for them to verify that I am the owner of the bank account that the money is coming from to pay the bill. 

This is the most ridiculous accusation and penalties to customer for making payments on the card to continue to use the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
On XX/XX/year>, I sent certified letters to XXXX, Equifax, and XXXX stating that my credit report contained inaccuracies. On XX/XX/year>, I sent a certified letter to all three credit bureaus updating my social security number, birthday, employer, and phone number. On XX/XX/year>, I send another certified letter to all three credit bureaus requesting an update on my address and inaccuracies on my credit report. On XX/XX/year>, I received a letter from Equifax requesting my identification information. I sent identification information enclosed in the XX/XX/year> letter. The identification letter sent by Equifax is unclear because the letter cites 2 different addresses to send information. I sent another certified letter on XX/XX/year>. I have not yet received an answer to this letter. I received a dispute results letter on XXXX XX/XX/year>. My current name change and address were not addressed in the dispute letter. I sent a certified letter dated XXXX XX/XX/year>. The update of my address and name seems to be deliberately overlooked. None of my information is being verified against my credit report. I received two depute reports 1 day apart. Disputes are supposed to take up to 30 days. My duputes took 1 day. I sent another certified letter to XXXX dated XXXX XX/XX/year> containing the inaccuracies on my credit report. I received a dispute letter dated XXXX XXXX, XXXX, stating they verified information with the creditor and not verified on my credit report. The addresses listed are not the same as those in the letter dated XXXX XX/XX/year>. I do not know where the address came from, and I never lived in XXXX, XXXX, XXXX, or XXXX. I seems that XXXX is cross-referring credit data with the wrong people.

Company response to consumer: Closed with non-monetary relief