vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-17 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: GA

Complaint narrative:
The Fair Credit Reporting Act regulates the consumer reporting agencies that compile and disseminate personal information about consumers. 15 U. S. C. 1681 et seq. The Act also creates a cause of action for consumers to sue and recover damages for certain violations. 1681n ( a ) .TRANSUNION IS IN VIOLATION OF THE CONSUMERS FEDERALLY PROTECTED RIGHTS. 15 U.S. Code 1681b - Permissible purposes of consumer report STATES YOU CAN FURNISH INFORMATION ONLY ( 2 ) In accordance with the written instructions of the consumer to whom it relates. TRANSUNION MAY NOT FURNISH ANY OF CONSUMER 'S NON PUBLIC PERSONAL INFORMATION!! POLICY OF CONGRESS STATES EACH INSTITUTION MUST PROTECT THE NON -PUBLIC PERSONAL INFORMATION OF CONSUMERS AND CONSUMER MAY ALSO EXERCISE THEIR RIGHT TO OPT OUT!! I, HEREBY EXERCISE MY RIGHTS TO OPT OUT OF THE FOLLOWING REPORTING AS I HAVE NOT PROVIDED ANY WRITTEN CONSENT TO TRANSUNION TO FURNISH CONSUMER 'S NON PUBLIC PERSONAL INFORMATION. YOU HAVE NO PERMISSION TO FURNISH CONSUMER 'S INFORMATION AND FAILED TO PROVIDE MANDATORY OPT OUT DISCLOSURES, THEREFORE UNTIL YOU CAN PROVIDE THE PROPER DISCLOSURES ADN PRIVACY NOTICES, CONSUMER ELECTS TO HAVE INFORMATION REMOVED FROM CONSUMER 'S CREDIT FILE NUMBER XXXX. COMPLETELY HAULT YOUR FURNISHING OF THE ESTATE 'S NON PUBLIC PERSONAL INFORMATION, UNTIL FURTHER WRITTEN NOTICE OUTLINING EXPLICIT PERMISSION AND CONSENT FOR THE USE OF CONSUMER REPORT FOR A CREDIT EXTENTION OR TRANACTION INITIATED BY THE CONSUMER. PURSUANT TO 15 USC 6508 & 15 USC 6802- CONSUMER HAS THE RIGHT TO OPT OUT OF ANY REPORTING.

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 2024-03-17 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: WI

Complaint narrative:
I have sent several dispute letters regarding the collection accounts being reported on my Equifax credit report yet they have not been removed. This complaint is in regards to 2 collection accounts being reported by Equifax from XXXX ( original creditor XXXX XXXX XXXX ) account number XXXX in the amount of {$680.00} and account number XXXX in the amount of {$980.00} These accounts were originally charged off by XXXX XXXX XXXX and then sold to XXXX in an attempt to collect a debt that has already be paid through a charge off. According to the IRS publication XXXX, if your debt has been cancelled or written off by the lender, you will not need to make any payments on the debt. However, you may be required to pay taxes on the cancelled debt amount reported on the 1099-c form. The IRS treats the cancelled debt as income, and you will need to report it on your taxes. You can not report income as a debt on a credit report. 

This is also a direct violation of my rights and privacy according to the Violation of Privacy Act of 1974. 

According to 15 usc 1681 consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-17 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:
I sent in a dispute the Experian to delete a XXXX XXXX revolving account that does not belong to me. account # is XXXX amount : XXXX. XXXX XXXX has yet to delete this inaccurate information from my consumer report and god truth I am tired of reporting this information to the CFPB that does nothing. Experian has yet to report another inaccurate information from extra account # : XXXX, stating the account is delinquent when the account is paid. I am tired of this inaccurate information being reported by these companies destroying people 's livelihoods. I know CFPB won't do anything so before I take legal action I will complain here.

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 2024-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am unaware of this debt. I didn't have an opportunity to access or dispute this information, if in fact you believe you gave me proper written notification then please send me a certified mail return receipt with my signature and name on it. If you can not produce these documentations, I am requesting immediate deletion from my credit file. 
Furthermore you are in violation of 12 CFR 100.34 ( A ) ( 1iB )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: NC

Complaint narrative:
I recently checked my credit report and saw account reporting that I do not recognize.

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 2024-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
XXXX did not reach out to me at the correct address or via online communication that I have debt owed. The only way I discovered I had {$52.00} still owned on my Insurance is that it showed up on my Credit Report XXXXXXXX XXXX. When I discovered this, I immediately reached out to my Insurance Agent who works with XXXX as she had handled all my insurance policies directly. It took XXXX 2 months to confirm the payment and how to pay. I have full documentation on this. 

I never received a request for payment for this amount. I paid the charge with XXXX immediately once I received information on how to pay. I never received a communication from the credit collectors that this was owed as well before it showed up on my credit report. 

It is still not removed from my credit report impacting my score of over XXXX points and it not allowing me to get a home mortgage.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BMW Financial Services NA, LLC
State: PA

Complaint narrative:
BMW Financial has provided inaccurate information to the credit bureaus regarding a late payment on my account. In addition on two occasions BMW Financial representatives have made false statements over the phone regarding their investigation. Documents will be attached regarding the initial dispute. 

BMW Financial reports false and inaccurate information. 

In my two conversations with BMW representatives I was told that BMW employees receive and process incoming payments by mail. This statement is false. In fact BMW financial uses a 3rd party company " XXXX '' to receive and process payments. According to the company website this company receives billions of payments per year. 

BMW Financial has denied my request to provide verification on how my payment was received and processed, the names of the persons investigating my payment. and their contact information. 

This is in violation of FCRA Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: SLM CORPORATION
State: MO

Complaint narrative:
Requested XXXX to reinvestigate Sallie Mae Loan # XXXX which per the response was validated as Accurate. XXXX did not provide a description of the procedure used to determine the accuracy and completeness of the information. 
The Results were the same from the investigation of XX/XX/XXXX and XX/XX/XXXX however XXXX XXXX indicated it has been updated Rating/ Payment received. 
XXXX. XXXX report Sallie Mae # XXXX Origination date Last Payment date XX/XX/XXXX also shows a Charge -off XX/XX/XXXX Maximum Delinquency 90 days in XX/XX/XXXX. XXXX. XXXX report Sallie Mae # XXXX Origination date XX/XX/XXXX Last Payment date XX/XX/XXXX also shows a Charge -off XX/XX/XXXX Maximum Delinquency 90 days in XX/XX/XXXX. XXXX. XXXX report Sallie Mae # XXXX Origination date XX/XX/XXXX Last Payment date XX/XX/XXXX also shows a Charge -off XX/XX/XXXX Maximum Delinquency 90 days in XX/XX/XXXX. XXXX XXXX report indicates payments were made in XXXX. 
XXXX shows Sallie Mae # XXXX were charged off after the statue of limitation had expired. XXXX XXXX shows the re -aging of accounts by Sallie Mae in XXXX when the Last Payment Made was in XXXX. 
Prior to the Spin-Off ( XXXX ), all Smart Option Student Loans were originated and initially held by Sallie Mae Bank , as a subsidiary of legacy SLM. Sallie Mae Bank typically then sold certain of the performing Smart Option Student Loans to an affiliate of legacy SLM for securitization. Additionally, on a monthly basis Sallie Mae Bank sold all loans that were over 90 days past due, in forbearance, restructured or involved in a bankruptcy to an affiliate of legacy SLM. 
Legacy SLM collected Smart Option Student Loans pursuant to policies that required loans be charged off after 212 days of delinquency. In XX/XX/XXXX, Sallie Mae Bank began collecting the vast majority of its Smart Option Student Loans pursuant to policies that required loans be charged off after 120 days of delinquency, in accordance with bank regulatory guidance. For the reasons described above, a portion of Sallie Mae Banks historical performance data does not reflect current collections and charge off

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: MO

Complaint narrative:
Ive Recently Checked My Credit Report And Noticed Some Unauthorized Inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
I opened up my SoFi account for a job I applied for to use as direct deposit. I finally realized the company was a fraud. So I checked on my account w SoFi and sure enough a person took the money out as a friend transfer. I dont know the person. I didnt authorize it. The company asked for me to send them the communication I had w the company to prove my case. Every time I tried to send it to the email they told me too it comes back unauthorized. Now when I call in on their phone number it disconnects me. I had to call in on the new loan number to get someone. I was transferred everywhere. I feel this SoFi is as much of a fraud as the XXXX XXXX XXXX  Its only XXXX but its the purpose and what these people are doing to others. I appreciate your time and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: IL

Complaint narrative:
I looked at my credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. According to the fair credit reporting act 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 about whom the report relates. The following account [ XXXX XXXX XXXX ], is not accurate. 

[ XXXX XXXX XXXX ] open and closed date is inaccurate with the amount of $ {$21000.00}. This is not my account, I've never given my consent to open this account, according to the credit fair act law called 15 U.S.C. Sec. 1681i. By law, I have rights to challenge anything I am not sure is accurate. I also have a fraud alert on file on my account to prevent acquisitions like this. Please investigate if every piece of information is correct. If not please remove it from my credit report. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One XXXX XXXX XXXX Credit Card is not allowing to convert rewards to their airline partners. Keeps asking for authentication of my phone number to send a code but it does not work. Called the company three times. They said it sometimes happens but no help with any solutions or any time frame when this would be fixed. 

I have accumulated points but can not convert them. If I knew I would have never gotten this card. Capital One 's customer service is awful and not helpful at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Adjustment Service, Inc.
State: MD

Complaint narrative:
This third-party collection company has been repeatedly harassing me through communication on XX/XX/2024. I made several calls to this company and informing them that I have no contractual obligation between myself and them and that this account is fraudulently reporting on my credit report and is indirect violation of the FRCA. The action that Im seeking is to have this account delete it from my credit report immediately at monetary compensation as a result of this illegal violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: NJ

Complaint narrative:
I recently reviewed copy of credit report I have a fraudulent account from XXXX XXXX XXXX, wit a balance of {$560.00} was opened in XXXX of this year account # XXXX, not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: AFNI INC.
State: GA

Complaint narrative:
I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : AFNI INC . 
Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This Complaint is against Wells Fargo Bank, and their very lacking Customer Service. Having been transferred throughout many departments within Wells Fargo, I am very familiar with their Customer Service, and their way of doing business. And 15 months of back and forth with Wells Fargo, thus far, has taught me that the only way to get results with Wells Fargo is to file a complaint. My only goal is to get my {$8800.00} in Fraudulent Transactions allowed by W.Fargo returned to me, after I had everything put in place to prevent this such as accounts deactivated and XXXX. And then we can cease all business. 
This Complaint will focus on this bank continuing to send me attachment upon attachment, in their response and communications with me. Due to my situation, of which they are well aware, I can not download attachments, nor print, therefore when they include attachments, of which they mostly use, I must also receive responses by hard copy/ mail. I have communicated this to all Wells Fargo departments, hundreds of times, yet they purposely continue to do this.!!!!

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 2024-03-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: AZ

Complaint narrative:
Subject : Dispute of Unlawful Reports on My Credit Report Dear [ Credit Bureau ], I am writing to dispute certain items on my credit report that I believe to be inaccurate and unlawful. Upon reviewing my credit report, I noticed discrepancies that are negatively impacting my creditworthiness. 

I request that you investigate these discrepancies and remove any inaccurate information from my credit report as soon as possible, in accordance with the Fair Credit Reporting Act. Additionally, I would like to receive a copy of my updated credit report once the investigation is complete. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: CL Holdings LLC
State: GA

Complaint narrative:
I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : JEFFERSON CAPITAL SYST Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC
State: PA

Complaint narrative:
Jefferson Capital Systems LLC obtained my consumer report under false pretenses without a permissible purpose as required under the Fair Credit Reporting Act. I would like to offer this pre settlement offer in good faith to resolve this issue. See attached pre settlement offer and complaint ( draft ) in which I intend to file in Federal Court if we can not reach settlement within 7 days upon receipt of this notice

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: Early Warning Services, LLC
State: GA

Complaint narrative:
The Fair Credit Reporting Act regulates the consumer reporting agencies that compile and disseminate personal information about consumers. 15 U. S. C. 1681 et seq. The Act also creates a cause of action for consumers to sue and recover damages for certain violations. CREDIT REPORTING AGENCY RECEIVED CORREPSONDENCE FROM CONSUMER REQUESTING FULL DISCLOSURES AND OPT OUT NOTICES, CONSUMERS WET INK SIGNATURE EXPRESSING THEIR CONSENT AS WELL AS COMPENSATION FOR THE VIOLATIONS. EARLY WARNING SERVICES FAILED TO PROVIDE THE REQUESTED INFORMATION XXXX ( a ) .EARLY WARNING SERVCIES IS CONTINUOUSLY VIOLATING THE CONSUMERS FEDERALLY PROTECTED RIGHTS. 15 U.S. Code 1681b - Permissible purposes of consumer report STATES YOU CAN FURNISH INFORMATION ONLY ( 2 ) In accordance with the written instructions of the consumer to whom it relates. EARLY WARNING SERVCICES MAY NOT FURNISH ANY OF CONSUMER 'S NON PUBLIC PERSONAL INFORMATION!! POLICY OF CONGRESS STATES EACH INSTITUTION MUST PROTECT THE NON -PUBLIC PERSONAL INFORMATION OF CONSUMERS AND CONSUMER MAY ALSO EXERCISE THEIR RIGHT TO OPT OUT!! I, HEREBY EXERCISE MY RIGHTS TO OPT OUT OF THE FOLLOWING REPORTING AS I HAVE NOT PROVIDED ANY WRITTEN CONSENT TO EARLY WARNING SERVCIES TO FURNISH CONSUMER 'S NON PUBLIC PERSONAL INFORMATION. YOU HAVE NO PERMISSION TO FURNISH CONSUMER 'S INFORMATION AND FAILED TO PROVIDE MANDATORY FULL OPT OUT DISCLOSURES, THEREFORE UNTIL YOU CAN PROVIDE THE PROPER DISCLOSURES ADN PRIVACY NOTICES, CONSUMER ELECTS TO HAVE INFORMATION REMOVED FROM CONSUMER 'S FILE ID NUMBER XXXX. COMPLETELY HAULT YOUR FURNISHING OF THE ESTATE 'S NON PUBLIC PERSONAL INFORMATION, UNTIL FURTHER WRITTEN NOTICE OUTLINING EXPLICIT PERMISSION AND CONSENT FOR THE USE OF CONSUMER REPORT FOR A CREDIT EXTENTION OR TRANSACTION INITIATED BY THE CONSUMER. PURSUANT TO 15 USC 6508 & 15 USC 6802- CONSUMER HAS THE RIGHT TO OPT OUT OF ANY REPORTING.

Company response to consumer: Closed with explanation