vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-06 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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: 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: MD

Complaint narrative:
I just recently looked at my credit report and I saw some hard inquiries that did nor have PERMISSIBLE PURPOSE. I also attached evidence. 

Lists of unauthorized inquiries that dont have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I did not authorize any of these inquiries i think someone may be using my identity Inquiry date XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX inquiry from XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX Email : XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Formal Complaint Against SYNCB/JC Penney XXXX for Unlawful Debt Collection Practices Dear Sir/Madam, I am writing to file a formal complaint regarding the debt collection and reporting practices of SYNCB/JC Penney DC, which have adversely affected my credit profile and violated several federal consumer protection laws. This complaint is lodged to seek the Consumer Financial Protection Bureaus intervention in resolving these grievances.

Violations Committed by SYNCB/JC Penney XXXX : Failure to Provide Debt Validation : SYNCB/JC Penney XXXX has placed a collection entry on my credit report without providing any validation of the debt as mandated under 12 CFR 1006.34 ( b ) ( 5 ). They have not furnished documentation that substantiates the debt they claim I owe.

Denial of Dispute Opportunity : Contrary to 12 CFR 1006.34 ( c ) ( 4 ), I was not given an opportunity to dispute the accuracy of the account information adequately before it was reported to credit reporting agencies.

Deceptive Collection Practices : I assert that SYNCB/JC Penney XXXX has engaged in misleading, deceptive, and misrepresentative means to collect this debt, which clearly infringes upon my consumer rights. 
Unauthorized Reporting : This agency has reported information to consumer reporting agencies without providing all required disclosures, a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

Actions Requested : Debt Validation : I request a comprehensive validation of this debt, including but not limited to the original creditors details, the original amount, and a breakdown of all fees or charges.

Purchase Agreement Evidence : I require a copy of the agreement between SYNCB/JC Penney DC and the original creditor that authorizes them to collect this alleged debt.

Licensing and Bonding : Proof that SYNCB/JC Penney XXXX is licensed and bonded to collect debts in my state.

Cease of Communication : I hereby revoke any consent for SYNCB/JC Penney XXXX to contact me via phone, email, or text messages. All future communications should be conducted through written correspondence to the address above. 
Attached are copies of all relevant documents pertaining to this matter for your review. I urge the CFPB to conduct a thorough investigation into these claims and anticipate a response addressing each point of contention. 

Thank you for your attention to this pressing matter. I look forward to your prompt and affirmative action to safeguard my rights and ensure compliance with applicable laws. 

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 2024-05-06 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: DISCOVER BANK
State: NY

Complaint narrative:
On my credit report it is reporting several hard inquires on my credit since XX/XX/2024.

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: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
On my credit report it is reporting several hard inquires on my credit since XX/XX/year>.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax refuses to block under section 605 ( B ) Furthermore, This dispute was not 1 ( a ). blocked in error XXXX ( b ). a material of misrepresentation of facts or c ( XXXX ). I have not obtained goods or services from any transaction on the alleged disputed account, and if you believe otherwise, I need a senior member or advisor representative on behalf of Equifax to swear under penalty of perjury that It is fact, If I have obtained and goods or services for any transactions on this account. 

According to the FCRA, you are required to block the reporting of this information within four business days of receiving my identity theft report and to promptly notify the furnisher ( s ) of this information that it has been blocked due to my status as an identity theft victim.

Despite having a payment history, which is a point of contention, these accounts are not mine, and the existence of payment history does not validate the fraudulent nature of the accounts, nor should it prevent the application of my rights under the FCRA. 
This account does not meet FCRA regulations and should be blocked. 
Enclosed with this letter, please find copies of : The FTC Identity Theft Affidavit, Any previous correspondence related to this mater, Proof of my identity ( state ID, drivers license, etc. ) and Utility bill. 
I respectfully request an expedited response to this serious mater. 
Failure to comply with the FCRA can result in legal consequences. I notified the CFPB of discrimination, and planning to take it further if necessary to protect my rights. 
Please send me written confirmation that the information has been blocked and provide me with an updated credit report to my address listed above. 
I trust that you will treat this mater with the urgency and seriousness it warrants. 
You may contact me for any further information or verification at the phone number provided or email attached to on my Equifax profile. 
Thank you for your prompt attention to this mater.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MT

Complaint narrative:
Mohela is engaged in deceptive trade practices. When I log into my account, it states that I am enrolled in " Auto-Debit. '' It shows my bank account information, the loans to which auto-debit applies, and the amount to be auto-debited. When I scroll down, it says, " Account Options. '' Under account options, it states, " Auto-Debit, Active : Yes. '' However, I was not auto-debited on XX/XX/XXXX, XXXX due dateand my account was marked past due as a result. 

When I called the customer service number, the customer service representative told me that Auto-Debit was not " working '' yet because I am new to Mohela ( I was transferred there from XXXX last XXXX ). But when I checked my account on XX/XX/2024, it showed that my auto-debit was set up and that I would automatically be charged $ XXXX monthly paymenton XX/XX/2024. And nowhere on the website does it state that my auto-debit is " not working yet. '' In fact, it affirmatively states that I am enrolled in auto-debit and that my auto-debit is " active. '' When I explained to the customer service representative that the website is deceptive, she laughed at me on the phone. 

I tried to submit a complaint online, but there is no way to do that. Under " complaint, '' the website states, " If you have already contacted MOHELA Customer Service and are not satisfied, please file your complaint via secure message or one of the other available contact us methods. '' However, none of the links for submitting a complaint work. They just take me back to the home page.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: HW Holding, Inc
State: MS

Complaint narrative:
improper use of credit

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm contacting you to inform you that I've experienced identity theft. This message is an official dispute regarding this account. I've followed the instructions from the involved companies and taken appropriate actions to rectify the situation. I've reported the identity theft to the FTC and contacted each affected company directly to dispute the erroneous information. I would appreciate your assistance in resolving this issue. 

XXXX XXXX XXXX XXXXXXXX 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 2024-05-06 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:
I'm contacting you to inform you that I've experienced identity theft. This message is an official dispute regarding this account. I've followed the instructions from the involved companies and taken appropriate actions to rectify the situation. I've reported the identity theft to the FTC and contacted each affected company directly to dispute the erroneous information. I would appreciate your assistance in resolving this issue. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX.

Company response to consumer: Closed with non-monetary relief
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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me XXXX  and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Atlanticus Services Corporation
State: NC

Complaint narrative:
Called today to see the breakdown of amount owed. Received the amount it has nsf fees I asked for proof of what those fees are for did not get it. They showed my deposit was XXXX I gave them a copy of my lease showing I paid XXXX deposit they said they need more proof I dont even have that bank any longer. They refuse to change the amounts owed saying I have no proof but they cant give me proof of the extra XXXX they are charging me. I moved out once the lease was up the apartment complex kept my deposit. But stating I still owe XXXX which has been on my credit for 5 years. I cant rent no where because of this. XXXX XXXX is saying I have to pay that balance no negotiation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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: 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: FL

Complaint narrative:
I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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: 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: I.C. System, Inc.
State: SC

Complaint narrative:
Requested debt validation, and current status shows it being reported as open on all XXXX XXXXeports and company has not provided any information requested nor have they ceased reporting the alleged debt to XXXX, XXXX and XXXX. No knowledge of alleged debt and creditor.

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: 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: DE

Complaint narrative:
Unauthorized inquiry on XX/XX/year> from Equifax XXXX XXXXXXXX

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: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I paid of my HELOC loan ( not closed the account paid of the balance ) on XX/XX/XXXX and XX/XX/XXXX. The intent was to pay off the balance and not close the HELOC line of credit. I was told to monitor the account to see if any charges show up and i can pay it off and i don't need to pay anything else. I was monitoring the account and i didn't see any charges on my account am attaching the statement balance for XXXX and XXXX. Suddenly they accessed me for a late charge in XXXX and reported credit bureau my account is past due which has impacted my credit score a lot. It has gone down from XXXX to XXXX. I contacted them but no one picks up the call left them a voice mail, sent them email no one responded back yet so am filing a compliant. 

Note : I paid off the balance on XX/XX/XXXX after I learnt that I had a balance due for {$100.00} and the statements never mentioned about any balance due Documents Attached : XXXX : Statement for XXXX XXXX : Statement for XXXXXXXX XXXX : Snapshot from my online Portal Please feel free to let me know if you need any other documentations

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I was having to travel back and forth to XXXX  from XXXX XXXX to help take care of my father and hi XXXX  XXXX. And my mother in law had XXXX XXXX XXXX and my wife was out of work for three months which only left one income. So I got behind.

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: 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: TN

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

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: 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: TN

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

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: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

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: 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: NY

Complaint narrative:
After examining my credit report, I was surprised by the multitude of inaccuracies I found. It was genuinely surprising to come across such errors. 

I urge you to thoroughly investigate the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

It's crucial that these inaccuracies are promptly rectified. Otherwise, I'm concerned that my applications for various services may be denied due to these discrepancies. I've already faced rejections from two sources.

Please don't overlook my request for assistance. I urgently need your intervention to ensure that the mentioned accounts are accurately reported as being in good standing.

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: 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: NY

Complaint narrative:
After examining my credit report, I was surprised by the multitude of inaccuracies I found. It was genuinely surprising to come across such errors. 

I urge you to thoroughly investigate the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

It's crucial that these inaccuracies are promptly rectified. Otherwise, I'm concerned that my applications for various services may be denied due to these discrepancies. I've already faced rejections from two sources.

Please don't overlook my request for assistance. I urgently need your intervention to ensure that the mentioned accounts are accurately reported as being in good standing.

Company response to consumer: Closed with non-monetary relief