vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX I directly disputed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account number XXXX with no response I also disputed in directly thru the XXXX XXXX, The XXXX XXXX assured me the company verified the information as accurate, XXXX XXXX XXXX XXXX sold the account, and remain on my credit profile and is actively involved in the collection of debt they sold, it's my right to dispute any information on my consumer report, but XXXX XXXX XXXX XXXX  has not responded to any of my disputes ... .Not responding to a consumer dispute is a violation of the FDCPA

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX I directly disputed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account number XXXX with no response I also disputed in directly thru the XXXX XXXX, The XXXX XXXX  assured me the company verified the information as accurate, XXXX XXXX XXXX XXXX  sold the account, and remain on my credit profile and is actively involved in the collection of debt they sold, it's my right to dispute any information on my consumer report, but XXXX XXXX XXXX XXXX has not responded to any of my disputes ... .Not responding to a consumer dispute is a violation of the FDCPA

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
please investigate. please update late payment on this account to paid on time or paid as agreed. please see attached. 15 usc 1666b- timing of payments 15 usc 1681g -, I am expressing my right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning this account listed above that you are reporting in my credit report. If you do not have any documentation in your files to verify the accuracy of this disputed account then please update late payment or paid as agreed. immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). please UPDATE ALL LATE PAYMENTS ON THIS ACCOUNT TO PAID ON TIME... i did not give permissible purpose/ did not given written instructions to furnish this on my consumer report. 1681b ( a ) ( 2 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
please investigate. please update late payment on this account to paid on time or paid as agreed. please see attached. 15 usc 1666b- timing of payments 15 usc 1681g -, I am expressing my right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning this account listed above that you are reporting in my credit report. If you do not have any documentation in your files to verify the accuracy of this disputed account then please update late payment or paid as agreed. immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). please UPDATE ALL LATE PAYMENTS ON THIS ACCOUNT TO PAID ON TIME... i did not give permissible purpose/ did not given written instructions to furnish this on my consumer report. 1681b ( a ) ( 2 )

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 2024-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am writing to formally dispute a debt collection notice that appears on my credit report. The collection notice in question is related to PORTFOLIO RECOV ASSOC XXXX, Account Type : Debt Buyer, Date Opened : XX/XX/XXXX, Status : Collection account. {$67.00} past due of XX/XX/XXXX, Paid off : 97 %.

Under the Fair Debt Collection Practices Act ( FDCPA ), specifically

15 USC 1692c, I am entitled to certain rights and protections regarding debt collection practices. I believe that the handling of this debt collection notice does not comply with the requirements outlined in the FDCPA. Here are the specific reasons for my dispute : 1. Lack of Verification : I have not received adequate verification or validation of the debt as required by the FDCPA. 2. Inaccurate Reporting : The information reported regarding this debt is inaccurate and does not reflect the true status of the account. 3. Violation of Communication Restrictions : The debt collector has violated the communication restrictions outlined in 15 USC 1692c by [ describe any specific violations, such as excessive calls or improper communication methods ]. I request that you investigate this matter thoroughly and provide me with the following information : Verification of the debt as required by law. Details of any communications made by the debt collector regarding this debt. Any documentation that supports the accuracy of the reported information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Fay Servicing, LLC
State: UT

Complaint narrative:
We applied for a home equity loan and were required to produce the loan deferment paperwork signed by us and XXXX XXXX during the pandemic. XXXX XXXX sold the loan to Fay Servicing and can not issue the paperwork. My first request to Fay Servicing was XX/XX/XXXX at which point they assured me I would get it by XX/XX/XXXX. XX/XX/XXXX was the final day to submit all paperwork for the HEL. On XX/XX/XXXX I called XXXX again and they advised I follow up through the messaging system in my online account. On XX/XX/XXXX they replied " Thank you for your message. Please note that our records indicate that you were assisted by a customer service representative as of XX/XX/XXXX and were advised accordingly. Please contact the customer service department on XXXX for further assistance on your inquiry. '' I called again and was told there was nothing they could do, as the company was researching the issue and I'd have to wait. We now need to re apply for the HEL but need this paperwork to proceed. We have no where to turn to get it. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have identified the reporting of the information on my consumer report that are a result of identity theft. these information are not related to any transactions by me. its unauthorized. PLEASE DELETE FRAUDULENT UNAUTHORIZED OF THE REPORTING INFORMATION OF INQUIRIES ON MY CONSUMER REPORT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
I was sick and out of work for XXXX months I was late on the XXXX talked to Specialized Loan Servicing about making an expedited payment they suggested XXXX XXXX made payment on XXXX they charged me a XXXX XXXX expedited fee send SLS an email of guaranteed certified fees they tagged my credit of being 30 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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I lodged a complaint with these Bureaus a XXXX  ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Upon reviewing my credit report, I discovered several hard inquiries that I do not recognize. I have reached out to all three credit reporting agencies, yet they have declined to initiate any dispute or investigation regarding these inquiries. Attached here is an FTC report which clearly outlines all the unauthorized inquiries, including those mentioned in the personal statement section. I kindly request the removal of these inquiries from my credit profile.

15 U.S. Code 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by a consumer ( 3 ) Information agency regarding inquiries, Except as provided in section 15 USC 1681g ( a ) ( 5 ) of the title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Upon reviewing my credit report, I discovered several hard inquiries that I do not recognize. I have reached out to all three credit reporting agencies, yet they have declined to initiate any dispute or investigation regarding these inquiries. Attached here is an FTC report which clearly outlines all the unauthorized inquiries, including those mentioned in the personal statement section. I kindly request the removal of these inquiries from my credit profile.

15 U.S. Code 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by a consumer ( 3 ) Information agency regarding inquiries, Except as provided in section 15 USC 1681g ( a ) ( 5 ) of the title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a 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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort.

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question.

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX   Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your agency is in violation!

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 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 2024-04-11 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: TX

Complaint narrative:
I have went to their sites on numerous occasions I have not been able to get a credit report from either companies and the information that they are providing has XXXX my credit score significantly

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I strongly advise against including this suspicious entry on my credit report. It does not belong to me, and its presence is highly concerning. Please take the appropriate measures to rectify these inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I wanted to buy tickets from an event on XXXX. I bought XXXX tickets for a total of {$300.00}, the transaction did not go through because they said there was an error with my payment and to retry it. So i typed in my card again and retried it and it was successful. Hours later i get a notice from my back for a second charge for {$300.00}, for an additonal XXXX tickets. I did not authorize them to charge my card again later for XXXX more tickets that i do not need. They refused to refund me saying all sales are final, which i understand but i did not authorize this second charge for XXXX more tickets. I started a chargeback with my bank Capital One and they denied my chargeback. Capital one has refused to communicate with me, i have been banking with them for XXXX  years and this is how they treated me. In the XXXX  years ive been banking with i have never issued a chargeback this is my first one and they denied me. Taking the side of XXXX who has a history of doing this to other people, just XXXX  it .So now im out {$300.00} for tickets i did not need, did not authorize to purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
XXXX University, XXXX, Florida. Dates : XXXX. Private loans were taken out between XXXX to pay for school books which were students were not permitted to buy outside of the school bookstore. High pressure sales tactics where loans were pulled out by the suggestion of the financial aid counselors. Blank documents were handed to each student class by the Dean, and coerced signatures by many students in fear of not graduating. School threatened accreditation status would be withdrawn if XXXX XXXX and survey documents weren't signed. I sent this complaint to XXXX XXXX around XXXX without any response or resolution. Private loans accrued interest to the point they doubled, nearly tripled. Total private loans taken out average minimum $ XXXX, interest shot them over $ XXXX. Recently paid off (XX/XX/XXXX ) but I am certain these funds should be reimbursed by the predatory schools due to their negligence and predation on students.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am writing to dispute information on my credit report that was reported without my written consent, in violation of 15 USC 1681. According to the Fair Credit Reporting Act ( FCRA ), creditors and credit bureaus must obtain written consent before furnishing or obtaining consumer information. 

Upon reviewing my credit report from XXXX, I discovered CB/VICSCRT XXXX, Date opened XX/XX/2017, Status Paid or paying as agreed, Account status - CLOSED were reported without my written consent. I hereby request that this information be investigated and, if found to be reported without proper consent, be promptly removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

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 XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

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 XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 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