vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
CAPITAL ONE Account type - Credit card Date opened - XXXX XXXX, 2020 Address CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Above Account created under CAPITAL ONE without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please. 
According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
I sent a certified letter with return receipt to Jefferson Capital Systems XXXX/2024 for a validation of an alleged debt of {$25000.00}. Jefferson Capital Systems has " Failed To Notify '' XXXX, XXXX or XXXX about the disputed Collection account which has not been properly validated. Jefferson Capital Systems is using a tactic known as " Parking Debt '' on my consumer profile without delivering proper disclosures prior to furnishing data to the consumer reporting agencies. Collection activity has not ceased by this non public information being furnished to consumer reporting agencies without proper validation. A " Cease & Desist '' of communication other than proper validation delivery by mail was requested in the certified validation letter. Jefferson Capital Systems has been " Wilfully Non-Compliant '' by continuing to call my personal cell phone DAILY from ( XXXX ) XXXX and send emails which I have unsubscribed from, in violation of my consumer rights under the FDCPA. Jefferson Capital Systems is damaging my ability to obtain credit & affecting my mode of living.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Following 3 hard inquireis on my credit file are a case of ID theft. 
Both of them were not authorized by me. 

1. The inquiry was not authorized CAPITALONE Date of inquiry : XXXX2023 Please remove it from my credit report. 
2. The inquiry was not authorized CAP ONE AF Date of inquiry : XXXX/2023 Please remove it from my credit report. 

Please remove them from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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: TX

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.

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 2024-02-23 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Credit Collection Services Account # XXXX I am writing to bring to your attention a serious matter related to my consumer rights, which, I believe, your company has breached. The particular rights in question pertain to the validation and reporting of debt, as governed by the fair debt collection practices act ( FDCPA ) and the fair credit reporting act ( FCRA ). 
In this context, I had previously asked for a verification of a debt that is purportedly owed by me. I attach herewith the related correspondences as evidence of my request. 
However, your organization has continued to fail in providing me with the necessary validation, a contravention of the FDCPA. In addition, despite the ongoing dispute, you have continued reporting this contested debt to the credit bureaus, an action that infringes on the FCRA and inflicts harm to my reputation. 
In order to reconcile these issues, I once again implore you to adhere to the FDCPA by providing me with the following information : 1. Evidence of your legal entitlement to collect the alleged debt. 
2. A detailed account statement delineating the claimed balance, inclusive of all charges, interest, and penalties. 
3. The contract bearing my explicit signature, thereby establishing my liability towards the debt. 
4. Please note that the legal concept of estoppel by silence ; implies that your failure to respond, despite the obligation to do so, indicates your concurrence with my stance that this debt is invalid. I shall resort to invoking this principle in my defense, if necessary. 
I expect to receive the requested information within 15 business days from the receipt of this letter. If you persist in neglecting my request for debt verification, I reserve my right to initiate legal proceedings against your company for the breach of my consumer rights as stipulated in the FDCPA and the FCRA. I may also consider seeking damages, should the situation warrant such action. 
Thank you for your immediate attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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 had a mortgage with the XXXX XXXX XXXX XXXX. All payments were to be taken out automatically. XXXX failed to take one automatic payment. It affected my credit history with XXXX, XXXX and TransUnion. At my request, XXXX contacted the three reporting entities and to " make the necessary amendment to your credit profile. '' XXXX complied. XXXX and TransUnion did not. I initially lost XXXX points over this. It continues to show up on my credit reports from them. No problems with XXXX. They corrected the error.

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 2024-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: DC

Complaint narrative:
1. I submitted an application for the SAVE Repayment Plan on the FSA website on XXXX XXXX, XXXX. 
2. According to my FSA.gov account activity, the application was processed and review completed by FSA, and then sent to my loan servicer Mohela. 
3. On XXXX XXXX, XXXX, I spoke with a customer service agent at Mohela to request an update on the status of my application review, which has still not been implemented. 
4. The customer service representative confirmed that my SAVE Plan application is still in review, and was unable to give me any estimated timeframe or expectation of how long my application will take to process. She confirmed that some SAVE Plan applications have been successfully processed and implemented, but was unable to provide any general timeline for how long that process took on average, or what I could expect for my application. 
5. The options I were given while I wait indefinitely for my application to process were to either : - Continue to put my account in forbearance so that I'm not required to make payments, but will continue to accrue interest. Forbearance periods are only 3 months long, and it will be my responsibility to continue to contact them and re-apply for forbearance every 3 months as long as my SAVE Plan application is still being processed ; or - Continue making payments at the amount due on my current plan, which is twice the amount of my estimated SAVE Plan monthly payment. 

The problem : Mohela has essentially put my application into an indefinite " holding period. '' Unless I want to keep my account in forbearance and continue accruing interest, I'm expected to continue making payments at my current monthly payment amount indefinitely, with no estimated timeline for when I'll be switched to the SAVE Plan that I've applied for. 
This means ( and the customer service agent agreed ) that I theoretically could continue repaying my loan at my current monthly payment amount for years and even pay off my loan before Mohela processes my SAVE Plan application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report 8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX 9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
On XXXX at around XXXX central. I received a call and the representative asked if someone was available. I said yes he is. The representative took that as that person was me. She gave a date of birth. I advised I didnt state that was me. She got defensive stating that she took it as that answer was me stating it was. I asked to speak to a supervisor. That person said the same thing. I asked for someone above the supervisor listen to the tape and call me about this. I got transferred to the supervisor of the supervisor. I was told that I was in the wrong, not exact wording, for continuing the call if I wasnt that person. I advised it wasnt my job to do there job for them. I told him that they shouldnt be giving out information on someone if they didnt know if I was that person. My response was not a yes or no. All I stated was he was available.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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: UT

Complaint narrative:
I recertified my income driven repayment plan before expiration. now they are telling me it will take 90 days to review ... im at risk of missing the recertification deadline of XX/XX/2024. ive done everything on time but mohela has never once answer multiple phone calls. i have called many times and been on hold for 2 hours ... this is not acceptable. meanwhile they make billions of my interest and taxes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX XXXX, Md XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX  ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX SSN : XXXX 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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX XXXX, Md XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX  ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX SSN : XXXX Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I entered into a payment agreement with Navy Federal Credit Union for my charged off credit card. I have asked them for a letter stating I am in an agreement I need this for prof to show my current employer, so I don't lose my job. They said they would have to send it however they refuse to send me the letter they keep saying it will take 7 business days I been waiting for two months. I need this letter emailed sent to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Since XXXX, I have been disputing adverse information due to XXXX XXXX 

It has been nearly impossible to get accurate or information as Equifax does not have a direct phone number or email or a specific case manager or special handling for this. I have to continuously call and have my information " passed " to the correct department, as consumers can not directly speak to anyone on the review or investigation team. XXXX AND XXXX HAVE A DEDICATED TEAM THAT YOU CAN COMMUNICATE WITH AS NEEDED DURING THIS SAD AND DIFFICULT PROCESS. EQUIFAX DOES NOT. 

The emails I received most recently stated I needed more information, which I did not, as I have continuously provided the correct information SINCE XX/XX/2023. 

However, upon checking my credit report, the information was finally removed in XXXX, even though I did not get an update on this. NO one contacted me even though I called weekly to check the status ; no one could provide a status other than it was still under review which was FALSE. 

I had to submit a final correction or removal request for the last two items that should have been included in the first request. I have already been approved. My information has been reviewed since XXXX, and I have shown that I have the correct information for the removal, as the last adverse information was successfully removed. 

Now I am submitting a second dispute to get the last two remaining Items removed. I called and submitted, and they are saying the. SAME THING AS BEFORE... .THAT THEY ARE MISSING A VICTIM DETERMINATION STATEMENT DOCUMENTATION WHEN THEY ARE NOT. THEY HAVE IT. Multiple. TIMES These last two items must be removed as I have already provided the correct approved documentation, shown by the XXXX removal. 

They are seemingly making redo this entire process giving me the run around again when they have all the correct information already to remove as they did in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: NY

Complaint narrative:
Hello My issue has been with my Experian account getting compromised twice since I had my personal info stolen and became a victim of identity fraud. I had no issues with disputing fraud however it has been frustrating that thieves with my personal info can gain access of my Experian account to unfreeze my credit despite having an uncompromised email ( ID ) and password which were freshly made. This was confirmed by a rep who told me my account was accessed on a day I hadn't accessed it previously. And I still continue to get emails notifications of someone trying to recover my username through my email. The thieves are clearly using Experian as part of their tactic to steal people 's credit. 

There are easy measures that can be taken to increase security for example the industry standard of having a verbal password or pin. I would recommend being able to prevent unfreezing credit on Experian website through something like this as well. We could also confirm identity by verifying the phone number of the caller. However if the customer fails all of these verifications then the fail safe verification must be more secure not less than these previous tests. But that is where I have an issue because the advanced security questions are not that difficult to randomly guess, and if we imagine the network of thieves to be large then they have a large n ( number of potential victims ) to brute force these questions. 

I'd be happy to discuss further if u wish I can be reached at 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