vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-02 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: NC

Complaint narrative:
I am writing to express my concern regarding these unauthorized and fraudulent inquiries on my credit report ( XXXX XXXX XXXX XXXX XX/XX/, XXXX XX/XX/. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: FL

Complaint narrative:
Had a XXXX and it was no longer safe to live on my own so needed to end lease early. Communicated with leasing office regarding this and when I moved out I was told there was no balance and that my account had been squared away. I was paid ahead on rent and had never paid late. 
Had to move and did not update my mailing address because I was told by the leasing office that I was good to go. Found out in XXXX that I had a {$2000.00} debt. Tried contacting IQ Data where I was threatened and harassed DAILY about this debt after I called them to inquire. They would not let me create an account to pay online because the debt was too new however they threatened to send me to collections because I was negligent and hadnt paid on this old debt. I contacted the leasing office and XXXX to attempt to set up a payment plan and was told this was not an option. 
I would make payments and would be told that if I didnt pay it in full that day my account would be sent to collections and that I needed to take an advance out on my credit card so that I could pay this debt or else.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: TN

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 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: IL

Complaint narrative:
I have reached out to Mohela several times for a update on my loan forgivingness and they just keep telling me they're working on it. I have not received any updates and my loan should've been forgiven based on the guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I filed complaint XXXX XXXX with you XX/XX/XXXX. U closed it XX/XX/XXXX stating BMO responded by closing the account and sending me a check for my remaining funds. It is now 2+ mo the later I have called 4 times and gave my correct address each time and still have not received the requested information. I request a supervisor on XX/XX/XXXX and XX/XX/XXXX and was denied one being told none was avail I should go to the branch for my issues.

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
Consumer complaint received 2024-01-02 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: NY

Complaint narrative:
Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. Attached you will also find my ID, and Proof of Address with my most recent bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 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: OK

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 2024-01-02 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: OK

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
On XX/XX/2024 I was told settlement would be XXXX then further in the call I was told he can not keep the settlement amount. Also refused to have a bill sent with the agreed settlement amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-01-02 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: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: MI

Complaint narrative:
In late XXXX, I received a mailed statement from Online Energy Co asking to pay {$550.00} for a XXXX XXXX account. On XX/XX/XXXX, I received a second notice for a completely different account with the same instructions. 

On the form it gave me a return stub to dispute the debt and ask for the name and address of the original creditor. I returned this to them asking for the information both times. The form also stated if returned by XX/XX/XXXX, they must stop collection on the debt until they send me the info. 

I have lived at the same residence for over 20 years with the same energy service the entire time. I have never heard of XXXX XXXX and as such have never been a customer of theirs. Let alone for two separate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Tesla, Inc.
State: CA

Complaint narrative:
Lease statred on XX/XX/2021 and after talking to Tesla, we were told we can return the lease early and will have certain charges waived along with last 3 payments waived too, if we pick/ buy another tesla. We have been trying to speak to someone in their leasing team for last 2 weeks through associate XXXX XXXX and she had advised the final amounts ( only for excess mileage driven ) that we will need to pay will be in the return section in the Tesla app. However per contract we are obligated to only pay {$0.00} / mile of excess mileage which is at XXXX miles on the car. We are allowed XXXX  niles for the 3 year term of the lease. Therefore per contract it should be under {$5000.00} to pay, whereas the app shows a balance due of {$10000.00} approx. and no one is responding and able to explain on how the charges are calculated on the lease return.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Back in 2016 an account was opened up in my name unbeknownst to me I seen it on my credit report and I tried to dispute it with XXXX XXXX XXXX times. I keep getting an unchanged result. So I paid it off late 2016 I recently pulled a credit report to figure out why my credit was so low when I make all my payments on time. It is showing XXXX late payments on this account how does that even happen without being malicious in intent. I have reached out to XXXX XXXX several times. And I refuse to pay something again that was fraudulent to begin with. I don't know where else to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: OneMain Finance Corporation
State: NC

Complaint narrative:
One Main Financial {$10000.00} repossession of the vehicle Breach of arbitration clause

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I received my XXXX statement and paid it in full. When XXXX statement arrived it indicated that I owed {$2.00} in " fees '' This account has never been late. Bloomingdales states that this an interest charge. On the bill it's listed as a 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 2024-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PNC Bank N.A.
State: NC

Complaint narrative:
On XX/XX/XXXX, I tried to trade in my XXXX XXXX XXXX and was told there is still a lien showing on my title. I paid the vehicle off on XX/XX/XXXX. The loan was with BBVA/Compass Bank . On XX/XX/XXXX, I called PNC bank customer service and spoke with someone in their auto loan service department because they acquired Compass Bank in XXXX, and I was unable to reach anyone at Compass Bank to provide me with a lien release letter. I asked the PNC representative to help me get a lien release letter. He took my SSN, full name, and was unable to locate anything about me or any record of a loan in the PNC system. He told me I needed to visit a branch location and ask them to research my issue with their title team so they could look for my loan information in their archives. 

The closest branch is in XXXX, NC - about 8 miles away ( a 30 minute drive for me ), so before I went in person, I called and spoke with someone in their customer service department ( his name was XXXX XXXX. He explained to me that nobody at the branch can help me and that they get erroneous requests like this a lot. He then told me to call customer service again and ask for someone in the auto loan department. I explained I already did this, and he said that this is the only option to get help, and I should just keep calling them until they actually help me. 

In lieu of calling back and not getting help, I am filing this complaint. It seems that someone at Compass Bank failed to release my lien when my car was paid off, and since they have been acquired, it seems that PNC is unwilling to help me get this processed so I can trade in my vehicle for a new one. Can someone please help me get this lien release letter?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LTD Financial Services, L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX  card I had gotten behind and it became a chargeoff  account and I paid the settlement in amout of {$420.00} total need to.remove.this account LTD Financial Services is not in business no more. This account belongs XXXX XXXX and they need to remove the entire account from my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2024-01-02 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: PA

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :

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