vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-10 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: SC

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX  XXXX XXXX XXXX {$1.00} XXXX XXXX XXXX XXXX XXXX {$940.00} XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX {$1.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$1.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$1.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX  XXXX {$790.00} XXXX XXXX XXXX {$41.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: FL

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: FL

Complaint narrative:
I pulled a copy of my credit report and noticed XXXX transactions that were not originated by me, XXXX XXXX. 
Pusuant to multiple laws within USC 1681,6802 and USC 1681c-2. 
The following accounts need to be immediately deleted. 
These entrants constitute identity theft and need to removed from TransUnion and XXXX. 

XXXX XXXX XXXX- XXXX This company went bankrupt, and I am unable to contact them. Please notify the credit bureaus that these are identity theft and need to be immediately removed. 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 non-monetary relief
Consumer complaint received 2024-04-10 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: FL

Complaint narrative:
I pulled a copy of my credit report and noticed XXXX transactions that were not originated by me, XXXX XXXX. 
Pusuant to multiple laws within USC 1681,6802 and USC 1681c-2. 
The following accounts need to be immediately deleted. 
These entrants constitute identity theft and need to removed from XXXX and Equifax. 

XXXX XXXX XXXX- XXXX This company went bankrupt, and I am unable to contact them. Please notify the credit bureaus that these are identity theft and need to be immediately removed. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Partners Financial Services Inc
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding my enrollment at XXXX XXXX and XXXX XXXX from XX/XX/XXXX to XXXX. The XXXX, located in XXXX, Florida, has engaged in unfair practices in collaboration with Partner Financial Services Inc. which has resulted in a significant financial burden and violation of my consumer rights. 

Upon completion of the program, I was unexpectedly informed by the XXXX  staff that I owe the school a total of {$6100.00}, a sum that was previously undisclosed to me. Furthermore, I was pressured to sign a contract with Partner Financial Services, a requirement I did not agree to. The terms of the contract were unjustly stacked against low-income students, constituting a breach of trust and fairness. 

Despite my refusal to sign the contract due to its exploitative nature, the school threatened that my credentials would not be forwarded to the appropriate department for licensure as a XXXX  XXXX  or XXXX. This coercive tactic effectively forces students into signing under duress, a clear violation of consumer rights and ethical business practices. 

I have taken the necessary steps to inform the Department of Education and the Attorney General 's office about this matter, seeking intervention to rectify the situation and hold both the XXXX  and Partner Financial Services accountable for their actions. 

I urge for a thorough investigation into the conduct of XXXX XXXX  and XXXX XXXX and XXXX XXXX XXXX, and I request that appropriate measures be taken to address this issue and protect the rights of all students affected by these unfair practices. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the restoration of fairness and integrity in educational finance practices.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These records were not started by me, and I firmly accept they are deceitful. I benevolently ask that you lead an exhaustive examination and eliminate them from my credit report in like manner. I have given documentation to help my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
The first week of XX/XX/XXXX 2024, my husband and I checked our checking account at Wells Fargo to ensure we had enough funds in our checking to pay our monthly mortgage and credit card bill. 

Upon logging in, we noticed that {$2800.00} was deducted from a random source in XXXX As we searched the account more, we noticed XXXX other transactions in that exact same amount and XXXX others. The dates are as follows : XX/XX/XXXX24 {$1800.00} XX/XX/XXXX24 {$1800.00} And XX/XX/XXXX24, XX/XX/XXXX24, XXXX/XXXX/24, XX/XX/XXXX/24, XX/XX/XXXX/24 and XX/XX/XXXX/24 {$2800.00} was transferred to the same XXXX XXXX account. 

We notified Wells Fargo immediately. We contacted the police and filed a police report. 

After following up with Wells Fargo on XX/XX/XXXX24 to get an update on our claim, we received an email on XX/XX/XXXX/24 notifying us that our claim was denied and we would not receive our money back. We called and escalated the situation and were not given any explanation. 

Initially and upon receiving news that our claim was rejected we inquired as to how they could not notice these fraudulent deductions?! We asked how we were not ever warned or alerted to these bizarre transactions?! We were given no explanation. We never received an alert. Weve never been to XXXX XXXX in our lives. How could they not protect us and our money? 

Were angry and feel both exposed and frustrated. They provided no report explaining why they denied the claim. We want answers. We want our funds returned.

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 2024-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BC SERVICES, INC.
State: TX

Complaint narrative:
Received call from XXXX XXXX Debt Collector in XXXX of XXXX. 
Was told that I owed debt from XX/XX/XXXX. I was unaware of any debt, so I asked for debt validation, how to pay/dispute. The operator verbally harassed me and threatened to " come find me ''. 
I never received any form of debt validation. I attempted to call the debt collection agency again today ( XX/XX/XXXX ) and ask for validation, they told me they had sent it and I needed to pay. I told them that I never received a letter and asked to confirm the address. They confirmed the address then hung up on 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 explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
Onemain Financial - XXXX  Creditor listed this account as late for XX/XX/XXXX XX/XX/XXXX on my credit report. However, this account was not late. I have a receipt for the payments that I made. 

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) ( 2 ) states a consumer reporting agency can not furnish account without my written instructions. Under 15 USC 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: CA

Complaint narrative:
I did not authorize these inquiries. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/2024 our account was drafted by a company called XXXX XXXX XXXX XXXX XXXX to XXXX XXXX that there was no money left in the account. The charges were {$150.00}, {$150.00}, {$150.00}, {$190.00} and {$220.00}. I called into the bank, Huntington National Bank ( HNB ), at XXXX and again at XXXX and was on the phone for over and hour and a half. The representative closed out her debit card, sent her out a new one and said that they would investigate and give us provisional credit within 10 days. I reached back out to the HNB because only XXXX of the XXXX charges were refunded and ultimately talked to a XXXX named, XXXX on XX/XX/2024 for XXXX hour and XXXX minutes. She said that the last charge did not clear which it already did and filed a complaint for me. On XX/XX/2024 I reached back out to HNB and spoke to XXXX after receiving XXXX letters from the bank. XXXX was unable to see my third letter and would not allow me to fax or email the HNB letter to him. He said that I would have to go into a branch since they were not refunding the money and he couldn't see the HNB letter. On XX/XX/2024, which is over the 10 day timeline, I drove into the branch as requested with my letters and spent another hour with HNB. Ultimately, I spoke with the XXXX of the XXXX XXXX branch and she saw the XXXX charges and the XXXX provisional credits. She tried to reach out to the fraud department but you can not speak to the HNB workers who process the credit.

I understand that fraud is going to happen, but the way that HNB reacted is unacceptable. XXXX. They should of stopped the fraud when it happened ( i.e. the third {$150.00} charge ). It is extremely obvious that the charges were outside of the pattern spending. They were just rapid fire charges in the same amounts which are easily catchable. XXXX. I have wasted over XXXX hours of my life because the fraud department is unaccessible and quite frankly not equipped to monitor fraud nor fix it when it happens. When I shared my story with the branch XXXX and how their competitor catches fraud for our accounts, she just said that they are trying to hire better talent in the fraud department.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX RE : Citibank XXXX XXXX 
ACCOUNT # XXXX Amount : {$9500.00} The above account is on my credit report. Please send me proof that you are the actual owner of this debt as there are a lot of scams on the internet. I request all communication be sent to my electronic email address : XXXX for privacy reasons.

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 2024-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I've had trouble with a payment from back in XXXX of XXXX not posting to my Capital One account ending in XXXX ( even though the check cleared the bank ). I logged in on XX/XX/XXXX and saw that it looked like it finally posted. Then on XX/XX/XXXX I logged in to check to make sure the payment wasn't reversed off again, and suddenly this account no longer shows up on my online access. I called into Capital One on XXXX and after being bounced around the person in the digital department told me they didn't know why I couldn't see that account any longer. I was told by them that they would escalate the problem and I would receive a call back. On XX/XX/XXXX I received a call from a " supervisor '' in the digital team that told me that account is no longer eligible for online access. I asked why and the supervisor told me I have no more information I can give. I asked who can and he literally said " no one. '' I have a payment that has posted and been reversed off since XXXX of XXXX and suddenly I no longer have access to that account online, and can not be told why. I was on the phone for over an hour with the majority of the time " on-hold. '' I want to be able to have online access to this account or at the very least be given an explanation as to why I can't. And if there is a legitimate reason, then how can I keep an eye on this account because clearly I've needed to for the last 8 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
According to the IRS unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099C ( Cancelation of date ) from the following charge off accounts listed below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX This account can not be reported as a charge off onto my credit report, if the account was sold to another lender. Please send me the 1099C form.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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:
According to 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX has reported late payments and has not mailed or delivered a periodic statement to me 21 days before the due date. They have failed to send the proof for which I have asked. Experian, XXXX, and XXXX have reported these late payments without verification and without my consent. 

In addition, I, the consumer, never gave Experian, XXXX or XXXX written permission or consent to furnish my information or obtain my 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 2024-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX  XXXX This collection company has no contractual agreement in place with me nor any type of permission to communicate with me yet they are reporting on my consumer report. I've sent a debt validation letter over 30 days ago and they have yet to respond, which is a a violation of my consumer rights. This needs to be removed immediately The company XXXX has not provided the authorized agreement creating the debt which is required to collect on a debt 15usc 1692f. Therefore if there was no agreement in place between myself and XXXX. That means I have no contractual agreement to pay them an alleged debt

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 2024-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Self Financial Inc.
State: NC

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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX  XXXX This collection company has no contractual agreement in place with me nor any type of permission to communicate with me yet they are reporting on my consumer report. I've sent a debt validation letter over 30 days ago and they have yet to respond, which is a a violation of my consumer rights. This needs to be removed immediately The company XXXX has not provided the authorized agreement creating the debt which is required to collect on a debt 15usc 1692f. Therefore if there was no agreement in place between myself and XXXX. That means I have no contractual agreement to pay them an alleged debt

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 2024-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

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