vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-18 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Notice of Dispute Regarding Inaccuracies and Collections on XXXX Account Dear CFPB, I am writing to formally dispute the inaccuracies and collections reported on my XXXX account , which I believe are in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

**Details of the Dispute : ** - **Account Name : ** XXXX - XXXXAccount Number : **Unknown - **Dispute Reason : ** Inaccurate collections reporting without permissible purpose **Explanation : ** I, XXXX XXXX, have recently been made aware of a collections entry on my credit report from XXXX. I am disputing this entry for the following reasons : 1. **No Permissible Purpose : ** I have not given XXXX or any related collections agency permissible purpose to report this account to the credit bureaus. As per 15 U.S.C. 1692g, I have the right to request validation of the debt and ensure all reporting is accurate and lawful. 

2. **Inaccurate Reporting : ** The collections entry contains inaccuracies that do not reflect the actual state of my account. I have not received adequate documentation or verification from XXXX or any collections agency validating the debt in question. 

3. **Lack of 1099-C Form : ** I have not received a 1099-C form indicating a cancellation of debt, which is required by the IRS if a debt of {$600.00} or more is forgiven. This further suggests that proper procedures have not been followed. 

4. **Improper Notification : ** I have not received proper notification of this collection from XXXX XXXX the collections agency. Under the FDCPA, I am entitled to receive a written notice containing details of the debt, including the amount, the name of the creditor, and a statement of my rights.

I appreciate your prompt attention to this matter and look forward to your resolution. 

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 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute inaccurate personal information on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681. The information on my report contains errors that need immediate correction. Below, I have provided correct information that should be reflected on my credit report : Name : This my legal name : XXXX XXXX. 
Date of Birth : XX/XX/year> Address XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX. 
These errors have caused significant inconvenience, and under the FCRA, I am entitled to have this information investigated and corrected. Section 611 of the FCRA, 15 USC 1681i, requires that you conduct a reasonable investigation into my dispute and correct any inaccuracies or delete unverifiable information.

Please find enclosed the following documents to support my claim : A copy of my identification [ e.g., driver 's license, passport ] showing my correct name, DOB, and address. 
A copy of my bank statement I request that you : 1. Investigate the inaccuracies and correct or delete the incorrect information.

2. Update my credit report to accurately reflect my correct personal information.

3. Provide me with a copy of the updated credit report once the errors have been corrected.

4. Inform me of the outcome of your investigation within 30 days, as required by law.

Please note that failure to correct these inaccuracies may result in further actions, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies.

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that these issues have been resolved. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-18 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: FL

Complaint narrative:
I am writing to dispute inaccurate personal information on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681. The information on my report contains errors that need immediate correction. Below, I have provided correct information that should be reflected on my credit report : Name : This my legal name : XXXX XXXX. 
Date of Birth : XX/XX/1993 Address : XXXX XXXX XXXX  XXXX, XXXX, FL, XXXX. 
These errors have caused significant inconvenience, and under the FCRA, I am entitled to have this information investigated and corrected. Section 611 of the FCRA, 15 USC 1681i, requires that you conduct a reasonable investigation into my dispute and correct any inaccuracies or delete unverifiable information.

Please find enclosed the following documents to support my claim : A copy of my identification [ e.g., driver 's license, passport ] showing my correct name, DOB, and address.

A copy of my bank statement I request that you : 1. Investigate the inaccuracies and correct or delete the incorrect information.

2. Update my credit report to accurately reflect my correct personal information.

3. Provide me with a copy of the updated credit report once the errors have been corrected.

4. Inform me of the outcome of your investigation within 30 days, as required by law.

Please note that failure to correct these inaccuracies may result in further actions, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies.

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that these issues have been resolved. 
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 2024-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
I disputed items that listed on my credit report that I did not have any agreement with. I requested the 3 major credit bureau to investigate and removal inaccurate reporting that is harming my credit per code 15 U.S.C 1692C -Jefferson Capital XXXX -XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX I received notification that it was indeed accurate reporting, but I never received an validation letter with my signature and agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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:
I am filing this formal complaint against Equifax for multiple, willful violations of the Fair Credit Reporting Act ( FCRA ) in handling my identity theft case. Despite my attempts to resolve this matter directly with Equifax, they have consistently failed to meet their legal obligations, causing significant harm to my credit standing, financial stability, and emotional well-being. 

Complaint Details : On XX/XX/year>, I received an inadequate response from Equifax regarding my identity theft dispute. Their response demonstrated a fundamental misunderstanding or deliberate disregard of their FCRA obligations. The core issue is not the factual nature of a credit inquiry, but its fraudulent origin due to identity theft. 

Equifax has violated the following FCRA sections : 1. Section 605B ( 15 U.S.C. 1681c-2 ) : Equifax failed to block the reporting of information I identified as resulting from identity theft within the mandated four business days of receiving my identity theft report.

2. Section 615 ( f ) ( 1 ) : Equifax neglected to follow proper
procedures for consumer disputes related to identity theft. Their cursory " investigation '' falls far short of the " reasonable procedures '' required by law to determine the accuracy of disputed information.

3. Section 623 : As an information furnisher, Equifax failed to conduct a proper investigation of the disputed information and to report the results to all nationwide consumer reporting agencies, as required when information is found to be inaccurate or incomplete.

These violations have resulted in : - Exposure of my private information - Failure to protect my identity from fraudulent use - Direct harm to my mental health, financial stability, and credit standing Actions Requested : I formally request that the CFPB require Equifax to : 1. Block ALL information I have identified as related to identity theft.

2. Conduct a THOROUGH reinvestigation of ALL disputed information.

3. Provide a DETAILED written report of their reinvestigation results within 5 business days.

4. REMOVE any information found to be inaccurate, incomplete, or unverifiable.

5. NOTIFY all nationwide consumer reporting agencies of any corrections made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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: FL

Complaint narrative:
Attached is my consumer dispute letter for Transunion. I've attempted to dispute this information by mail several times without success. Per FCRA Guidelines you MUST investigate my claims with the attached identifying documents.

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 2024-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I can't even log into the transunion website. When I try to make an account, it tells me I already have an account. All attempts to retrieve my account are unsuccessful. I get the error : " We are temporarily unable to complete your request. Looks like we are experiencing a problem on our end. '' I have tried calling in and unable to reach anyone after being on hold for an hour. I have tried social media which just tells me to fill out a form. I fill out the form and then nothing happens. I was just told their maintenance was complete and to try again but I run into the same problem when trying to retrieve my account. 

How is this acceptable? Our lives are controlled by these credit scores but it is impossible to access your account to get details or to dispute collections. A quick XXXX search also shows that these problems with the website have been persisting for years.

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 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have found a number of inaccuracies on my report. This company is still posting information that is almost 8 years old. XXXX XXXX is a charge off which is considered income and is well over 7 years and should be removed from my account immediately.

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 2024-08-18 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: IN

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. The circumstances surrounding this debt raise serious ethical and legal concerns, as it may involve fraudulent or coercive practices that have led to an unjust and burdensome financial obligation.

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 2024-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
The Apple card was used fraudulently on fifteen charges. Apple has refused to correct fraudulent charges made over two years despite receiving proof that the charges were made. Apple charged me 28.29 % interest on charges that were already paid, once they investigated and deemed the charges valid. Each investigation the result was the same, not enough evidence to prove otherwise. I sent them multiple documents from each vendor, such as cancelled appointments from a XXXX XXXX who charged for tests I did not take and a visit charges when I clearly was not in her office. Another vendor, XXXX stored my credit card without my consent on XXXX after one purchase in 2023, then charged my card five additional times. XXXXXXXX refused to credit me for any of the unauthorized purchases and did not even refund the original purchase. My Apple card was not in XXXX online wallet so I had no way of knowing that they did that until I received the five additional charges. Apple also cancelled my card after I reported the fraud and prevented access to my account. Apple card has also been reporting 90 day delinquency to all three credit reporting agencies. Apple Card has a rabid collection agency that has been reporting this information and harassing me nonstop. Needless to say that there has been no attempt by Goldman Sachs to correct this fraud nor has there been any remedy to the fraudulent information reported to the credit agencies. I need help with reducing the balance to XXXX  and having Apple card ( or whichever collection agency they sold the debt to ) remove all negative information and balance from all three credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
According to 15 USC 6801, 6802, 6803, 6804 privacy of nonpublic information. This information MAY NOT be disclosed, since the " account '' numbers of these said accounts, my SOCIAL SECURITY NUMBER these do not fall under the nonpublic information. If my social was not release to these debt buyers, then how do they report on my credit reports? I did not have a signed contract with these debt buyers and they have no right BY LAW to my " account '' number NOR are they suppose to have access to MY NONPUBLIC SOCIAL SECUIRTY number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Solar Mosaic LLC
State: GA

Complaint narrative:
I don't recall the dates exactly for I was informed that this issue was resolved some time ago. The company Solar Mosaic, was looking to see if I could go solar, sometime spring/summer 2023. A service representative came out and checked our fuse box and related wiring. He could not check the roof due to a bad rain storm that was about to happen, however, he did come back about two ( 2 ) weeks later. The service rep did a whole lot of banging and pounding, repaired the holes in the roof he made for anchoring, and left. I days later received the inspection report, which stated that my roof could not support solar panels, and that to do so it would cost an additional {$20000.00} or more, which I declined, I was informed, after several back and forth telephone conversations that the issue was resolved. A few weeks later, I received a text or email stating that they were going through with the job, which I still have declined, and have not signed any contract. To date, Solar Mosaic has done no work on my roof, and there are not solar panels installed, nor am I interesting in dealing with them. Recently I noticed a balance on my credit report, however, I've made no payments to anyone, and there doesn't appear to be a payment history or showing me as being delinquent. I've repeatedly asked them to remove the account from my credit report with no response, it's been a year now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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: ID Analytics, Inc.
State: OH

Complaint narrative:
I am extremely frustrated to see that there are several accounts on my credit profile that have been fraudulently reported. These accounts do not belong to me and I have made multiple attempts to notify your company to remove them. However, despite my efforts, these accounts are still appearing on my credit profile. This is unacceptable and if these accounts are not removed immediately, I will have no choice but to take legal action against your company. The attached document serves as proof of the fraudulent nature of these accounts. I demand that you remove them from my credit profile without any further delay. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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: IN

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. The circumstances surrounding this debt raise serious ethical and legal concerns, as it may involve fraudulent or coercive practices that have led to an unjust and burdensome financial obligation.

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 2024-08-18 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: IN

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. The circumstances surrounding this debt raise serious ethical and legal concerns, as it may involve fraudulent or coercive practices that have led to an unjust and burdensome financial obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I attended The XXXX XXXX XXXX XXXX XXXX from XXXX to XXXX. The school promoted an 87 % chance of job placement after graduation. This turned out to be false advertising and the school ( Part of EDMC ) has been sued by the federal government and even recognized by President Biden as a bad actor. Due to this, my federal loans were forgiven by President Biden in XX/XX/XXXX. 

This, however, has had no effect on my private loans. My private loans totaled {$64000.00} when I graduated and due to hardship went above XXXX at one point. I made faithful payments every month of over {$1000.00} since XXXX ( increasing yearly due to the repayment program ). In total, since XXXX, I have paid {$130000.00} into these loans. I have held these loans in good standing the entire time and in XX/XX/XXXX I was able to make a lumpsum payment of {$3400.00}, finalizing my payments ahead of the XX/XX/XXXX payoff date. In late XXXX / early XX/XX/XXXX it was brought to my attention in a forum I follow that Navient was offering private loan forgiveness, through a program much like the Borrowers Defense to Repayment ( BDR ). Navient was aware of my attendance at a fraudulent school as I had submitted my BDR in XXXX of XXXX and had put my federal loans into administrative forbearance at that point ( this action involved numerous phone calls to the company with paperwork being sent that proved I was awaiting approval ). I am member of the post-class settlement in the XXXX case. I was never made aware of any kind of financial aid or forgiveness program regarding my private loans. Had I known about the forgiveness program I would have withheld my final payment and applied for forgiveness where I have numerous documents proving XXXX/EDMCs fraudulent acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/year> - I was approved for the Citibusiness Checking Account at the XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX location. Opened by a very professional and friendly banker named XXXX XXXX XXXX. Was approved for the " Small Business Checking Offer '' ( Please see attached for Terms & Conditions ). 

XX/XX/year> - reached above {$20000.00} balance ( to meet {$750.00} bonus level ) in the amount of {$20000.00}. 

XX/XX/year> - this was the XXXX day after opening my account, in which I maintained the required " $ XXXX or more in New-to Citibank Funds to my eligible account within 20 days of account opening ''. 

XX/XX/year> - this was the XXXX day after opening my account in which I maintained my minimum balance of $ XXXX. 

XX/XX/year> - this date I met the final requirements of the additional 60 consecutive calendar days from the XXXX day I maintained my minimum balance of {$20000.00}. 

XX/XX/year> - this date was 30 days from the end of the month in which I completed all of the offer requirements ( XX/XX/year> ). According to the following terms, the Cash Bonus should have been posted by this date : " The Cash Bonus for which you qualify will be credited to your Citibank business account within 30 days from the end of the month in which you complete all Citi Checking Offer requirements. ''

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 monetary relief