vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-05 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: NV

Complaint narrative:
XXXX. TransUnion, XXXX and XXXX reported unverified derogatory information to my consumer/credit report ; I carefully investigated my incident, and conculded the XXXX Bankruptcy XXXX never provided any information to the companiess, nor do they ever validate and/or confirm public records ; The public records information is never validated by the Recorder of Deeds nor the XXXX Bankruptcy XXXX system due to the Fair Credit Reporting Agency Privacy Law ; The XXXX Bankruptcy XXXX  confirmed that your company has never validated or verified this public record entry on my consumer/credit report, neither will they ever be by them.

They further stated while they are not liable or responsible for any misuse or incorrect publicrecords, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly : XXXX. TransUnion, XXXX and XXXX failed to provide me with competent and documentary evidence toprove that the disputed information is verified. 

The law is clear : " If the CRA can not validate the information with the information furnisher, CRA must remove said information from the consumer file '', I have the right to an accurate consumer/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 2024-05-05 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX. XXXX, Experian and XXXX reported unverified derogatory information to my consumer/credit report ; I carefully investigated my incident, and conculded the XXXX Bankruptcy XXXX never provided any information to the companiess, nor do they ever validate and/or confirm public records ; The public records information is never validated by the Recorder of Deeds nor the XXXX Bankruptcy XXXX system due to the Fair Credit Reporting Agency Privacy Law ; The XXXX Bankruptcy XXXX XXXXnfirmed that your company has never validated or verified this public record entry on my consumer/credit report, neither will they ever be by them. 
They further stated while they are not liable or responsible for any misuse or incorrect publicrecords, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly : XXXX. XXXX, Experian and XXXX failed to provide me with competent and documentary evidence toprove that the disputed information is verified. 

The law is clear : " If the CRA can not validate the information with the information furnisher, CRA must remove said information from the consumer file '', I have the right to an accurate consumer/credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: HI

Complaint narrative:
I recently reviewed my credit report and discovered an inaccuracy regarding one of my accounts. According to the report, there were three late payments on an account that was consistently paid on time. It's imperative that consumer reporting agencies maintain complete accuracy in their reporting. Attached to this complaint are copies of my credit report for the following dates : XXXX XXXXXX/XX/XXXX, and XX/XX/24. I kindly request an investigation into this matter and ask for verifiable evidence to support the claim of late payments. If no such evidence can be provided, I urge you to promptly update the records to reflect the timely payments made. Your prompt attention to this issue is greatly appreciated. Thank you.

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 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
This is related to ( charge off account ) and 1099=c that I received and explane to them that this is not debt but income and therefore you can not report income as a debt on a consumer report. 1099-c Applicability the Internal Revenue Code requires a creditor discharging indebtedness to file an " information return on 1099-C with internal Revenue Service '' 26 C.F.R , 1, 6050p-19 ( a ). Whether or not an actual discharge of indebtedness has occurred, a " discharge of indebtedness is deemed to have occurred '' for the sole reporting requirements.

The dates and charge off shown on my credit report can not be reporting on any consumer report after the creditor has written it off, this debt has been extinguished by IRS and this bank has gotten credit for this debt Also within this matter Congress has written subject matter on hand ... ... ......

15 U.S. Code 1681b Permissible Purpose of Consumer Reports ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following and NO other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issues in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2024-05-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am aware of the " School Misconduct Discharge '' form which has been sent out to borrowers from bad actor schools.

The school that I went to, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX was recently included in XXXX XXXX XXXX XXXX broad cancellation of all federal debt due to their gross misconduct and negligence. This was due to strongly documented fraud and misrepresentations that were taking place by the chain of schools under XXXX as a whole. I have applied for borrower defense to repayment and not been paying my federal debt for years due to knowing that it was the product of fraud. I have been strongly opposed to paying my private debt associated with it as well, but have been forced to continue paying it in order to preserve my credit rating. 

I therefore strongly believe that my private debt which is the product of my attendance at XXXX XXXXXXXX XXXX should also qualify for discharge since Navient DOES have a program that is dedicated to this and has already canceled the debt from other colleges such as XXXX, as well as refunded the payments made towards it since XXXX. 

It is very important to me that I do not continue paying towards a school experience that I have never profited from and has been a terrible burden on my life as well as my husbands, who is also a cosigner on one of my private navient loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Credence Resource Management , LLC initially received information from XXXX XXXX  XXXX on XX/XX/XXXX, stating that a debt disputed by consumer was owed in the amount of {$2800.00}. Consumer contacted Credence Resource Management , LLC on XX/XX/XXXX, to dispute the account and requested written validation of this information in XX/XX/XXXX. It was confirmed during the call on XX/XX/XXXX, with agent XXXX that Consumer had indeed called Credence Resource Management on XX/XX/XXXX. Consumer did not receive any response to the validation letter sent in XX/XX/XXXX, and Credence Resource Management , LLC informed during the call that the XXXX XXXX XXXX account was returned to XXXX XXXX XXXX on XX/XX/XXXX. 

Collection agent XXXX then expressed that the account was reassigned back to Credence Resource Management , LLC on XX/XX/XXXX. XXXX then advised that a letter was sent on XX/XX/XXXX regarding this debt owed. On XX/XX/XXXX, Consumer received a credit alert from a credit monitoring service stating that Credence Resource Management , LLC had reported account XXXX with the credit reporting agencies that this account was opened with an effective date of XX/XX/XXXX. Consumer expressed to agent XXXX that Credence Resource Management was in violation of the Fair Credit Reporting Act 623 ( a ) ( 5 ) ( A ) as XXXX XXXX XXXX and Credence Resource Management , LLC knowingly re-aged the account to reflect a XX/XX/XXXX account causing harm to consumer credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 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:
First thank you for taking the time to read this letter. Recently, I found fraudulent inquiries in my Experian Credit report. The inquiries that I have listed below are fraudulent and should be removed from my credit report. Also, I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days of receipt of this correspondence.

Please block this fraudulent information per sections 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. Your response to this letter is required by law. Please. Be aware this letter has been generated by me, XXXX XXXX. I have enclosed identity verification documents for you to verify my identity. 
FRAUDULENT INQUIRIES! 
XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/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 2024-05-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: TEXAS CAPITAL BANCSHARES, INC.
State: VA

Complaint narrative:
I applied for a high-yield online savings account through Bask Bank , a division of Texas Capital Bank XXXX I was declined, but the bank could not provide any reason. Further, I asked if they would send an adverse action notice with the reason per the FCRA, and they said no. I am a retired Federal annuitant and was employed as a commissioned XXXX XXXX  XXXX with the OCC and a senior financial analyst with the FHFA. I do not have any derogatory account or credit history and maintain an excellent XXXX  score. 

I am very frustrated with this bank and their reluctance to help me resolve this decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: IL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. I did not authorize those inquiries. I went for information and those inquiries were made to me without my authorization on XXXX by the people at XXXX XXXX. 
Therefore, I request the elimination of these queries since they were not authorized by me and I am being affected by them. Describing them below : 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 XXXXXX/XX/year> TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I did not give my authorization for them to do the inquiries, they asked for all my information to be able to show me a car, and I never asked for a quote or anything. I went days after this happened and the finance manager in XXXX gave me a handwritten letter saying that those inquiries should please be deleted, but that they couldn't delete them. I called the XXXX  and they told me that you could help me with a claim that I must attach to them along with a letter so that they can eliminate it.

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 2024-05-06 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: NY

Complaint narrative:
MOHELA is my student loan servicer. When I log into my account on their website, the payment history only shows payments since XX/XX/XXXX, even though monthly payments of {$440.00} began in XX/XX/XXXX. I previously made a one-time payment in XXXX XXXX of approximately {$1000.00} - {$1200.00} ( at the time of filing this complaint I don't have access to old bank records to confirm what the actual dollar amount was ). 

On XX/XX/XXXX, I called MOHELA 's customer service line and spoke with a representative who said that they had recently switched to a new portal and all the information was being exported gradually. I said that I wanted to make sure my previous payments were reflected in my balance and the representative said they would mail me a complete report of my payment history. The representative said it would take 7-10 business days for my request to be processed, and then standard USPS delivery time following that processing period. This mailed report was never received. 

On or around XX/XX/XXXX, I called MOHELA 's customer service line again and spoke to a different representative. This representative apologized for the delay in receiving my payment history report and blamed the switch to the new portal for this problem. I asked when I should expect to receive the mailed payment history and the representative said it should be in XXXX. 

It is now XX/XX/XXXX, and I still have not received anything from MOHELA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Subject : Complaint Regarding Debt Collection Practices Dear Sir/Madam, I am writing to file a formal complaint regarding the debt collection practices of GENESIS CRDT. I believe that their actions have violated several laws and regulations, including those outlined under 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-s 2 ( 7 ) ( A ).

Under 12 CFR 1006.34 ( b ) ( 5 ), debt collectors are prohibited from making false or mislead
ing representations. However, GENESIS CRDT has repeatedly prov

ided inaccurate information and made misleading statements regarding the debt I dont owe.

Furthermore, under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), debt collectors are required to provide consumers with written notification of their rights. I ha
ve not received any such notification from GENESIS CRDT, which is a clear violation of this regulation.

Additionally, under 12 CFR 1006.34 ( d ), debt collectors are prohibited from engaging in unfair practices. GENESIS CRDT has employed aggressive and harassing tactics in their attempts to collect the debt, which

I believe constitutes unfair practices. Lastly, under 15 USC 1681-s 2 ( 7 ) ( A ), debt collectors are required to provide accurate and complete informa
tion to credit reporting agencies. However, GENESIS CRDT has inaccurately reported information about my debt, which has negatively impacted my credit score. 

I am requesting that GENESIS CRDT provides me with the purchase agreement between them and the original creditor, I will also need GENESIS CRDT to furnish proof that theyre licensed to collect a debt in state of Texas .

I request that the Consumer Financial Protection Bureau investigate the actions of GENESIS CRDT and take appropriate action to ensure they comply with the laws and regulations governing debt collection practices. I also request that any incorrect information reported to credit agencies be removed immediately. 


Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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 do not recognize these credit inquiries and asked the bureaus to remove them, but they did not comply with my request. In confirmation, I provide a report of identity theft, which I will attach to this letter. Here is a list of credit requests that I do not approve : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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  XX/XX/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 non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To whom it may concern : Upon inspection of my credit report I noticed the following personal information is incorrect : My Current Address Is : XXXX XXXX XXXX XXXX XXXX, TX XXXX Any previous addresses are undeliverable and I have no access to them. Please remove the following addresses that remain immediately : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX 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 2024-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
Please provide the assignment of debt. The date of assignment, when did you send 5 day notice? Provide the certified mail, 5 day notice. You never gave me the opportunity to address it or dispute this. You just put it on my consumer report without notice. If you believe you gave me proper notification, then send the receipt with my name and signature. 

I was unaware of this debt. I never received notice, it just appeared on my consumer report without notice. If you cant provide proof, remove it, immediately!! Please provide proof that you gave me notice. Again, prove you gave proper notification by providing the receipt of certified mail with my signature, certified number, date mailed and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: Experian Information Solutions Inc.
State: NH

Complaint narrative:
I printed out my statement from XXXX stating my accts are paid in full. XXXX accts pain in full. Both accts being denied updates. Their failure to repair my report is causing financial harm.

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 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
This is related to ( charge off account ) and 1099=c that I received and explane to them that this is not debt but income and therefore you can not report income as a debt on a consumer report. 1099-c Applicability the Internal Revenue Code requires a creditor discharging indebtedness to file an " information return on 1099-C with internal Revenue Service '' 26 C.F.R , 1, 6050p-19 ( a ). Whether or not an actual discharge of indebtedness has occurred, a " discharge of indebtedness is deemed to have occurred '' for the sole reporting requirements.

The dates and charge off shown on my credit report can not be reporting on any consumer report after the creditor has written it off, this debt has been extinguished by IRS and this bank has gotten credit for this debt Also within this matter Congress has written subject matter on hand ... ... ......

15 U.S. Code 1681b Permissible Purpose of Consumer Reports ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following and NO other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issues in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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