vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-07 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: MI

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 2024-07-07 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: WA

Complaint narrative:
During the recent platform transition of my federal loan servicer, MOHELA, to its new studentaid.gov site, I had an autopayment made in the amount of {$180.00} that was deducted from my bank account on XX/XX/year>. Now that the transition is complete, the total loan amount does not reflect this payment as ever having been made. This amounts to theft. Additionally, MOHELA did not transition any of my statements or records and has deleted them from their old platform. They have denied me access to my own account records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I accidentally refunded a payment which was sent to my cash App. I asked the individual to please send me the XXXX they sent me back and they denied receiving or even sending the XXXX even after I had screenshots of all of the transactions. I then contacted cash app support and they refuse to resolve this matter or even let me speak with a supervisor. Also now they refund every payment I try to send anyone for my protection!! This is so not right and there is no one to hold them accountable for security etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it.

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 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-07 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Comenity Capital has called me numerous amount of times in the past 3 months ; Sometimes more than 10 times in one hour to be specific and everybody except for one person has been so hateful and telling me they were gon na turn me into the local police and theres been several terrible messages that Ive saved. This last guy that just called me at XXXX this morning. ( Sunday morning ). I explained that this bank was harassing me during a horrific time in my life, and he said verbatim why did I throw that on him like you did then proceeded to tell me I was lying about her death, I owed HIM a debt that he had to collect on now or I was going to face jail time. 
I have been going through a tremendous amount of personal loss ( my mother passing away ) as well as trying to retrieve things that were lost/stolen at the hospital as well as a lawsuit against the hospital for a numerous amount of reasons that the health system and Hospital, failed her. 
I have explained this to one super nice lady there named XXXX, and she was a supervisor. I gave her a day that I would call her, did and have several times I can never catch her at her office. 
So as long as they are nasty to me and say ugly words to me, yell at me, I do not feel like that is something in my best interest right now they are harassing and bullying me and mentally I can not handle much more and have told them that. Im have already had XXXX XXXXs in my life. 
I am still waiting for the girl named XXXX to contact me back. But this man as well as the two or three messages that Ive saved on my voicemail can prove just how bad the harassment and bullying have been

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-07 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:
These XXXX accounts on report needs to be erased from my file. I attached & provided an ftc report previously showing proof that the accounts werent mines. I would like for my case to be reviewed again & to delete all fraudulent accounts from my report .The public records with the different numbers needs to be removed as well. Those numbers doesnt belongs to me.

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 2024-07-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

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 2024-07-07 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: NV

Complaint narrative:
When the XXXX  seeks civil penalties against a defendant for securities fraud, the Seventh Amendment entitles the defendant to a jury trial. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-07 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: WI

Complaint narrative:
XX/XX/year> I disputed one collection account and one charge off account stating someone used my identity to purchase items and obtain a personal loan and a credit card. As a result these items were removed from my consumer report and recently placed back on there without properly notifying me.

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 2024-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
debt not owed paid by XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: IL

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

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 2024-07-07 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: NY

Complaint narrative:
my federal student loans have been placed in administrative forbearance multiple times, not by me. they have automatically been placed in forbearance by the loan servicer. when checking my accounts, they have accrued interest during these administrative forbearance and CAPITALIZED INTEREST! I did not request forbearance. the loans were automatically placed there, yet I am being charged capitalizing interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Please see attachments. 

Citi Bank has been illegally reaging this account. 
There has been no agreements or communication with said party since last payment of XX/XX/XXXX for this account to be reporting activity, per the law. 

Bank raged the account XX/XX/XXXX as a missed payment for an entire year. 
Information is inaccurate and incomplete. Doesnt correlate with other CRAs, amounts are wrong, payment statuses wrong, account status wrong, date to come off is inaccurate etc California statute is 4 years, not 7. 

Late payments were marked as paid on consumer reports, but late in reality. 
XX/XX/XXXX it was 3 months past due, but not reporting XX/XX/XXXX is when it shouldve legally been charged off. 
Says closed on XXXX in XXXX, XXXX, XXXX say XXXX was the last payment. XXXX, XXXX another late payment on a closed account, thats reaging. 

XXXX through XX/XX/XXXX theres nothing ; all incomplete They also received a 1099A IRS form to write off the debt a letter was sent to CitiBank regarding it and requesting to delete the account. 

The debt was also covered in the finance charge in the insurance premium. 
Its also being sold to debt collectors. Both collectors were unable to verify. 

All of this is all AFTER an alleged verified dispute. 


I will sue for fraud, negligence, and a plethora of consumer violations. 

Date of last payment XX/XX/XXXX XXXX BANK STATEMENT ATTACHED CALIFORNIA LAW SAYS FOUR YEARS, NOT SEVEN

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 2024-07-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it.

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 2024-07-07 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: HI

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent Account # 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 2024-07-07 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 reviewed my consumer reports and notice that i had an late payment on an account that i was never late for. the consumer reporting agency have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. i have never been late on payments for the account that i have included the dates and screenshots inside of this complaint ( XX/XX/2019 ). please reinvestigate and provide proof with statements showing that these payments were late. if proof cant be provided i demand these payments be uodated to paid as agreed on time as they should be due to the fact i was never late. thanks please see screenshot attached

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 2024-07-07 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: MS

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 2024-07-07 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: MS

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 2024-07-07 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: NV

Complaint narrative:
When the SEC seeks civil penalties against a defendant for securities fraud, the Seventh Amendment entitles the defendant to a jury trial. 

XXXX XXXX XXXX, 603 U.S. ___ ( 2024 ) 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except

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 2024-07-07 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: TX

Complaint narrative:
I was just looking over my credit report on XXXX and found an address that appears to be incorrect. ( XXXX XXXX XXXX XXXX, XXXX XXXX ) And according to the fair 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 whom the report relates. 

Experian Continue to report my address incorrect on my report here is my only and current address XXXX XXXX XXXX XXXXXXXX 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 2024-07-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
I am writing to report a violation of the Fair Debt Collection Practices Act ( FDCPA ) by XXXX XXXX XXXX on XX/XX/year>, I received multiple voicemails from this agency attempting to collect an alleged debt. The voicemails stated that if I did not respond within XXXX hours, they would send the sheriff to my address. This is a threat and an intimidation tactic that is illegal and unacceptable. 

Specifically : * The agency is threatening to send the sheriff to my address without verifying that I am the correct person responsible for the alleged debt. 
* They are demanding that I provide my date of birth to verify my identity, which I am unwilling to do. 
* My family members also received these threatening calls and became scared due to the agency 's aggressive tactics. 

Desired Action : I request that you investigate this matter and take appropriate action against XXXX XXXX XXXX for violating the FDCPA. I also request that you require them to cease all contact with me and my family members until this matter is resolved. 

Additional Comments : I believe that there must be better ways for debt collectors to collect debts than using fear and intimidation tactics. I hope that your office will take this complaint seriously and take appropriate action to protect consumers from similar violations. 

Thank you for your attention to this matter. I look forward to hearing back from you soon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief