vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-16 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:
After checking my most current credit report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account. XXXX XXXX XXXX account # : XXXX. 
According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. 
This account is being reported open, and the date of last activity was XX/XX/year>. Also the date of last reporting XX/XX/year>, and it's CHARGED OFF. This is illegal. Please delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: TX

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : 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>

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 2024-11-16 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX has violated my rights. 
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 has violated my rights. 


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

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 2024-11-16 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: IL

Complaint narrative:
THEY ARE MAKING INQUIRIES IN FRAUDULENT WAYS, I AM A VICTIM OF IDENTITY THEFT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: IL

Complaint narrative:
THEY ARE MAKING INQUIRIES IN FRAUDULENT WAYS, I AM A VICTIM OF IDENTITY THEFT

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 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Two weeks ago, I sent a letter to XXXX to remove old personal information and keep the following information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX I included a copy of my driver 's license, social security card, and a copy of a bill showing my current mailing address and it was not done. I looked at my credit report a moment ago and still shows old personal information.

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 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Two weeks ago, I sent a letter to XXXX to remove old personal information and keep the following information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX I included a copy of my driver 's license, social security card, and a copy of a bill showing my current mailing address and it was not done. I looked at my credit report a moment ago and still shows old personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I, XXXX XXXX, am filing a second formal complaint against XXXX XXXX XXXX, XXXX, acting as a debt collector for American Express regarding an alleged debt of {$2100.00}. Despite my initial complaint, XXXX XXXX XXXX, XXXX. continues to fail in meeting its legal obligations under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and other consumer protection laws. I am disputing the validity of this debt, as the firm has not provided sufficient documentation to substantiate their claim. Specifically, XXXX XXXX XXXX, XXXX. has not presented a legally binding contract containing my authentic signature and full Social Security number to verify my consent or obligation to this debt, as required under 15 U.S.C. 1692g ( b ). Until such documentation is provided, all collection efforts must cease as mandated by law. Furthermore, XXXX XXXX XXXX, XXXX. continues to ignore my request for arbitration as outlined in the standard contractual clauses of American Express agreements. This refusal to honor arbitration provisions demonstrates bad faith and a disregard for procedural fairness, in violation of the Federal Arbitration Act ( FAA ), 9 U.S.C. 1-16. Their failure to take action on arbitration reflects a broader pattern of noncompliance with consumer rights and industry standards. XXXX XXXX XXXX, XXXX. 's actions also raise significant concerns under the CFPB 's Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) standards. The firm persists in its collection efforts without providing legally required validation of the debt, relying instead on incomplete and insufficient responses. This conduct constitutes abusive practices and undermines the protections afforded to consumers under federal law. I respectfully request that the CFPB investigate XXXX XXXX XXXX, XXXX. for violations of FDCPA 1692g ( b ), UDAAP standards, and other applicable statutes. Additionally, I demand that the firm immediately cease all collection efforts until it provides full and verifiable validation of this alleged debt, including a signed contractual agreement with my authentic signature and Social Security number. I also request that XXXX XXXX XXXX, XXXX. honor the arbitration provisions specified in the American Express agreement as an alternative dispute resolution method. If XXXX XXXX XXXX, XXXX. continues its noncompliance, I will have no choice but to seek judicial relief, including damages for violations of consumer protection laws. I urge the CFPB to take swift and decisive action to address these serious violations and hold XXXX XXXX XXXX, XXXX. accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
We are launching a FOIA process with CFPB for settlement regarding ongoing law fare by Enova regarding slander, racism and deceptive tactics, invasion of privacy, leaking inaccurate damaging information to a major bank per email and phone conversation from bank. Also, a lawsuit will be filed against Enova in XXXX for repeated violations of consumer rights and ignoring the order by CFPB. The lawsuit will be filed next week for XXXX dollars for ongoing harassment and deception.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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:
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 explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: MT

Complaint narrative:
XX/XX/year> - I called XXXX XXXX to reduce my current interest rate. 

I amcharged over 30 % interest. 

I have been with XXXX XXXX for over XXXX  years and have never missed a payment. 

I was told they have offers to reduce interest to 3 %, 6 %, 9 %. 

I was put on hold. 

I was told there is no available offer or me. 

I asked the representative to explain why XXXX XXXX could not reduce my 30 % interest rate. It's too high. There was no answer to my question. 

This is usury. 

My last statement : XXXX {$910.00} XXXX charged : {$650.00} $ XXXX {$910.00} = 72 % This is usury. 

I canceled the card over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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:
I AM A VICTIM OF XXXX XXXX  PLEASE BLOCK THESE ACCOUNTS PURSUANT TO FCRA XXXX. I AM ALSO A VICTIM OF IDENTITY THEFT AND XXXX XXXX PLEASE ADD A FRAUD ALERT AND FREEZE AND OPT ME OUT. PLEASE USE THE NUMBER XXXX SEND ME A COPY AND CPFB.

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 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: DC

Complaint narrative:
MOHELA is double reporting some student loans on my credit report and keeps saying theyre escalating it but i first noticed this on XXXX XXXX, XXXX and the double reporting is STILL there. I filed a CFPB complaint but MOHELA just copied and pasted in a default response that didnt actually address my issue. This is impacting my credit scores and a violation of FCRA. In the attachment youll see my credit report and my student loan list in my portal. Youll notice that everything is listed twice in my credit report but with differing balances because of MOHELAs reporting issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Numerous fraud charges to my account Ive followed the claim process and was told Ill see a credit within 10 days which was XX/XX/year> here it is way after the 10 days and every time I call Im lied to saying it will be there after XXXX XXXX then one lady said by the end of the day every day is a different story then today the guy tells me he dont see any notes on any credit and their still researching when I was told the company havent responded. Lie after lie after lie will I ever get the truth from Bank of America

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 2024-11-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: AR

Complaint narrative:
Debt recovery solutions {$780.00} Account # XXXX Dated XXXX  which is also inaccurate This collection account is reporting inaccurate Ive sent a validation letter to third party creditor in XXXX and it was deleted now back on my credit as a collection and open account. Ive called the creditor and were unexpectedly hung up on after again asking for validation. A collection is by default a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I applied on the website and got approved for athe venture one card with capital one bank. The website stated the new card member can get XXXX points when spend {$500.00} in 3 months. However I got nothing. The bank rep told me thought I was approved for the card, I am not qualified for pomo even I opened the card and spent {$500.00} through the website. She didn't mention why and just said I can check the term. It makes no sense to me. I don't see anything about this in application page. People should be automatically qualified for the new member bonus when card is approved. If now why not just declined the app or inform me upon card is approval?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
Previous cases indicate that I have had major problems with Aidvantage and Maximus servicing of my loans. The current issue of capitalization makes me think that the executives have made a considered decision to make the website complex and confusing in order to maximize the percentage of loans with capitalized interest and delinquent payments ( and associated fees ) in order to fraudulently earn excess revenue.

This suspicion is enhanced by the record of other loan servicers receiving fines and bans because of fraudulent activity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: GA

Complaint narrative:
I am writing to formally dispute the reporting of the XXXX XXXX account on my credit report, which is inaccurately listed as a charge-off with a balance of {$3700.00}. This account contains numerous discrepancies regarding the balance, past-due amount, payment history, and overall account status. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., all information reported to credit bureaus must be accurate, complete, and verifiable. XXXX XXXX has failed to meet these standards and has not provided proper validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX ( b ). Specifically, XXXX XXXX has not provided a legally binding agreement that includes my authentic signature and full Social Security number to validate my obligation to this debt. Additionally, I am invoking my rights under FCRA, 15 U.S.C. 1681i ( a ), to request that the credit reporting agencies verify the accuracy and validation of the information being reported by XXXX XXXX. This statute obligates credit reporting agencies to investigate disputes and confirm the validity of the reported information with the data furnisher. Under 15 U.S.C. 1681s-2 ( b ), XXXX XXXX is required to conduct a thorough investigation of the dispute and correct or delete any inaccurate, incomplete, or unverifiable information. The charge-off designation and other details, including the past-due amount of {$1300.00} and payment history, remain unverified and are inaccurate. Without proper validation and documentation, this account can not be legally or accurately reported, and its continued presence on my credit report constitutes harm to my creditworthiness and reputation. A fair resolution to this issue would require the immediate deletion of this account from my credit report due to these inaccuracies and the lack of validation. If XXXX XXXX can not validate this debt with accurate and complete documentation, including a signed agreement with my authentic signature and full Social Security number, I request that the account be permanently removed from my credit report. If the account can not be deleted, I demand a full investigation into all reported details, including the balance, payment history, and account status, and that any inaccuracies be corrected. Failure to address these inaccuracies may result in further escalation, including legal or regulatory action, to enforce my rights under the FCRA and FDCPA. I trust that this matter will be resolved promptly and look forward to written confirmation of the results of your investigation.

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 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the reporting of the XXXX XXXX account on my credit report, which is inaccurately listed as a charge-off with a balance of {$3700.00}. This account contains numerous discrepancies regarding the balance, past-due amount, payment history, and overall account status. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., all information reported to credit bureaus must be accurate, complete, and verifiable. XXXX XXXX has failed to meet these standards and has not provided proper validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). Specifically, XXXX XXXX has not provided a legally binding agreement that includes my authentic signature and full Social Security number to validate my obligation to this debt. Additionally, I am invoking my rights under FCRA, 15 U.S.C. 1681i ( a ), to request that the credit reporting agencies verify the accuracy and validation of the information being reported by XXXX XXXX. This statute obligates credit reporting agencies to investigate disputes and confirm the validity of the reported information with the data furnisher. Under 15 U.S.C. 1681s-2 ( b ), XXXX XXXX is required to conduct a thorough investigation of the dispute and correct or delete any inaccurate, incomplete, or unverifiable information. The charge-off designation and other details, including the past-due amount of {$1300.00} and payment history, remain unverified and are inaccurate. Without proper validation and documentation, this account can not be legally or accurately reported, and its continued presence on my credit report constitutes harm to my creditworthiness and reputation. A fair resolution to this issue would require the immediate deletion of this account from my credit report due to these inaccuracies and the lack of validation. If XXXX XXXX can not validate this debt with accurate and complete documentation, including a signed agreement with my authentic signature and full Social Security number, I request that the account be permanently removed from my credit report. If the account can not be deleted, I demand a full investigation into all reported details, including the balance, payment history, and account status, and that any inaccuracies be corrected. Failure to address these inaccuracies may result in further escalation, including legal or regulatory action, to enforce my rights under the FCRA and FDCPA. I trust that this matter will be resolved promptly and look forward to written confirmation of the results of your investigation.

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 2024-11-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
Hi, I bough a house on XXXX lived in it till i sold it on XX/XX/XXXX. 
When the Covie19 crisis i asked if they can get me few months on top of my loan, they did few time and i got surprised when i sold the house.

Attached is documents show everything. 
i got charged $ about {$90.00} extra. 
not sure how to explain in detail but the attachment will tell. 
sorry as i am overseas, i can be reached only by email. 

Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : Chapter XXXX Bankruptcy # XXXX XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>

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