vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-20 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:
I'm responding to the verified no change letter you sent me for charge-off account. 

Creditor : XXXX XXXX XXXX Account # : ( XXXX ) Reason for this Dispute : inaccurate I did what you told me to do to fix the problem, and the furnisher did not respond to me. You told me in your last letter to contact the company who placed this inaccurate charge-off account on my credit report and I did It's clear that the charge-off account is inaccurate because the creditor did not send any valid proof. If they can't prove that the account is accurate, they can't report to the bureaus, according to the FCRA. Please remove this item from my credit report or your company will be in violation of the FCRA. 



Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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: CA

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.

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 2024-02-20 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: CA

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-02-20 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:
I am a victim of identity theft please remove this fraud inquiry 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 2024-02-20 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: NJ

Complaint narrative:
EQUIFAX ALLOWED FOR UNAUTHORIZED/FRAUDULENT CREDIT INQUIRIES TO BE FURNISHED ON MY CREDIT PROFILE. DISPUTE LETTERS HAVE BEEN SENT TO THEM DEMANDING THE REMOVAL OF THESE FRADULENT INQUIRIES. 

UNAUTHORIZED INQUIRIES TO BE REMOVED : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FIRST NOTICE!!! As a federally Protected consumer/natural person I DEMAND these inquiries be removed! The information listed, which appears on my credit fi le, does not relate toa any transaction ( s ) that I have made. You reporting agency are in violation pursuant to 15 u.s. code 1692d ( 1 ), 15 u.s. code 1692j ( a ), 15 u.s. code 1692e ( 1 ) ( 2a ) ( 3 ), 15 u.s. code 1692c ( a ) for helping to facilitate entities/companies to commit fraud. You/reporting agency are also in violation pursuant to 15 u.s. code 1681r for sharing/communicating my private consumer/natural person fi le to other unknown entities without my consent. If this is not resolved Within 30days of receiving the FTC Affidavit I will take lawful action ordering judgment against you and the complicit company in this fraud under 15 u.s. code 1692k for damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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: NJ

Complaint narrative:
TRANSUNION ALLOWED FOR UNAUTHORIZED/FRAUDULENT CREDIT INQUIRIES TO BE FURNISHED ON MY CREDIT PROFILE. DISPUTE LETTERS HAVE BEEN SENT TO THEM DEMANDING THE REMOVAL OF THESE FRADULENT INQUIRIES. UNAUTHORIZED INQUIRIES TO BE REMOVED : XXXX XX/XX/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 XXXXXX/XX/XXXX NOTICE SENT : FIRST NOTICE!!! As a federally Protected consumer/natural person I DEMAND these inquiries be removed! The information listed, which appears on my credit fi le, does not relate to any transaction ( s ) that I have made. You/reporting agency are in violation pursuant to 15 u.s. code 1692d ( 1 ), 15 u.s.code 1692j ( a ), 15 u.s. code 1692e ( 1 ) ( 2a ) ( 3 ), 15 u.s. code 1692c ( a ) for helping to facilitate entities/companies to commit fraud. You/reporting agency are also in violation pursuant to 15 u.s. code 1681r for sharing/communicating my private consumer/natural person fi le to other unknown entities without my consent. If this is not resolved Within 30days of receiving the FTC Affidavit I will take lawful action ordering judgment against you and the complicit companies under 15 u.s. code 1692k for damages.

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 2024-02-20 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Request for Investigation and Correction of Student Loan Payment Reporting Dear Sir/Madam , I am writing to file a formal complaint concerning the handling and reporting my student loan payments by the Department of Education XXXX Despite making all necessary payments, which the servicer acknowledged as satisfactory, my credit report continues to reflect past charges marked with late payment remarks. These inaccuracies adversely affect my credit score and my ability to secure financial services.

Account Details : Loan Servicer Name : Department of Education ; however, a collection agency called to set up payments Account Number : XXXX Dates of Disputed Late Payments : Several occasions. 
I have previously contacted the Department of Education on multiple occasions to request the removal of these inaccurate late payment remarks from my account history. Despite these efforts, the servicer still needs to amend the credit reporting, which has led to ongoing financial and personal distress. 
The servicer acknowledged the payments as satisfied, which should not have resulted in any adverse remarks on my credit report. The persistence of these inaccuracies contravenes the Fair Credit Reporting Act ( FCRA ), which stipulates the need for accurate and fair credit reporting. 
Therefore, I kindly request the Consumer Financial Protection Bureau to : Conduct a thorough investigation into the handling and reporting of my student loan payments by Federal Student Loans.

Ensure any inaccuracies in writing late payments on my account are corrected promptly.

Require [ Loan Servicer Name ] to remove any adverse remarks related to the disputed late payments from my credit report.

I am prepared to provide additional information or documentation supporting my complaint. I hope that with your intervention, the inaccuracies in my credit report will be corrected, allowing me to move forward without the undue burden these errors have placed on my financial well-being. 
Thank you for your attention to this matter and your assistance in upholding the integrity of consumer credit reporting. 
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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I contacted Equifax on XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year> inquiring about a freeze on my report because I am under contract for a home and my lender has been unable to pull my report. I was told that there was no freeze or fraud alerts preventing them from pulling my report. This was not true, as the lender sent multiple proofs that Equifax had my report frozen. On XX/XX/year> finally Equifax told me that the issue is Id need to send in verification document 's such as license and social security card in order to remove the block, I was told it would take 5 business days to complete. Those documents were sent in by me, on XX/XX/year> certified mail with a delivery date of XX/XX/year>. As of today, XX/XX/year>, this has still not been complete. I have called to follow up almost every day since then and they are not answering my questions, just telling me to continue waiting. I am now at risk of losing my home purchase because Equifax is not handing this matter timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I received a message that my payment was due with Ally and that nothing was scheduled. I knew it was scheduled, but I went on the site and could not find it anywhere showing that I had scheduled it. So I scheduled it again sure enough they took it twice, when I called they said yes we took it on the XXXX and the XXXX so I asked for a refund. They took this payment electronically, admitted that they sent out the text saying there was no payment scheduled when there was, but I have to wait 10 days to XXXX weeks to get that money back via snail mail check. iIf they take it electronically, they should return it electronically, there is no excuse for making us wait other than it to hold money that is not theirs. It would be nice if the government would actually work for the human citizens not the corporate citizens for a change. This is unacceptable.

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 2024-02-20 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-02-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Dynamic Recovery Solutions, LLC
State: MI

Complaint narrative:
They claim to be with Dynamic Recovery and trying to collect on a XXXX debt. I do not have XXXX and called to verify with XXXX and they stated I owe them nothing and to report this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was a victim of XXXX XXXX and debt bondage. 
I am seeking help on my situation where my credit report reflects an outstanding debt that I strongly suspect is connected to a case of debt bondage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
This goes against the Consumer Protection Law states 15 U.S. Code 1692d - Harassment or abuse. It is XXXX XXXX XXXX and this company is still emailing in regards to this debt. This debt has been charged off since XX/XX/XXXX. 

This debt has been written off. Lenders and other creditors must submit a copy to the agency and to taxpayers whenever they cancel or forgive a debt worth {$600.00} or more. An 1099-C has not been administered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
" I have consistently made payments on time for this account, and it is causing me immense stress to see an incorrect late payment entry. I have never missed a payment and am deeply committed to maintaining a spotless payment record. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully request an immediate correction to my account and hope you understand the urgency of this situation. Thank you for your prompt attention to this matter. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
Subject : Complaint Against Sunrise Credit Services for Erroneous Collection Report Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against Sunrise Credit Services, a collection agency hired by XXXX XXXX XXXX, which has erroneously placed a collection entry on my credit report. This action has unjustly injured my credit standing, causing significant financial harm and stress. 
Personal Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, Ohio, XXXX Email : XXXX Phone : XXXX Details of the Complaint : I had been an XXXX XXXX XXXX customer before switching my service to XXXX. Upon switching, I fulfilled all outstanding obligations with XXXX XXXX XXXX, including paying my final bill and returning all leased equipment. Despite this, Sunrise Credit Services, acting on behalf of XXXX XXXX XXXX, reported a collection account on my credit report. This report is inaccurate and misleading, as I have satisfied all my commitments with XXXX XXXX XXXX, as evidenced by my clear and timely communications with XXXX XXXX XXXX and XXXX  during the service transition. 
The wrongful collection entry has damaged my credit score and placed undue stress and limitations on my ability to access financial products and services. This erroneous reporting contradicts the Fair Credit Reporting Act 's ( FCRA ) principles, which aim to ensure accurate and fair credit reporting practices.

Request for Action : I respectfully request the Consumer Financial Protection Bureau to : Conduct a full investigation into the practices of Sunrise Credit Services, particularly regarding the erroneous collection report linked to my account with XXXX XXXX XXXX. 
Facilitate removing the inaccurate collection entry from my credit report to correct the record and alleviate the ongoing damage to my creditworthiness. 
I am prepared to provide further documentation and evidence to support my claim, including correspondence with XXXX XXXX XXXX and XXXX  verifying that my account was fully settled and all equipment was returned according to the service agreement terms. 
Thank you for your attention to this matter and your assistance in upholding the integrity of consumer credit reporting. I look forward to a prompt resolution and restoring my credit reputation. 
Sincerely, XXXX 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 2024-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
I sent them a debt verification letter via Certified mail on XX/XX/ and gave them 30 days to respond and they never responded and they still have things negatively reported on my credit report. I tried disputing it on all 3 credit report companies prior to sending this letter, but it still stayed on so i sent them a debt verification letter and never received a response and its been after the 30 days of notification and still nothing... The letter was sent certified via XXXX, The so-called debt in question is in the amount of {$4200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
CapitalOne suspending the BillPayer portion of its app. The resulted in my ebills not showing up, so I no longer know what is owed and when payment is die for these vendors. As a result, I missing paying a quarterly bill from XXXX and had to pay a fee for the late payment. 

CapitalOne provided no notice that BillPayer would be suspended and ebils would no longer be available. I suspect there are other CapitalOne customers who experienced the same thing and have also suffered economic loss ( i.e. fines and fees for late payments ). 

CapitalOne can not say when the BillPayer will be available again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: CA

Complaint narrative:
I am requesting you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into this matter.

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 2024-02-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month 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 30 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 XXXX, Experian, and XXXX data breach.

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