vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-28 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:
It has come to my attention this company has furnished a late payment to my consumer report. For the month of XX/XX/scrub>XX/XX/2024 XX/XX/2024.

The FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Also Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I HAVE NOT provided this company any writing permission. to furnish any of this 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 2024-02-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX, i reached out to XXXX and multiple companies that are reporting inquires on my consumer report directly to XXXX, who still furnishes the information without my consent o knowledge. 

XXXX told me to reach out to the companies individually and verify with them that there are no accounts being reported, then send it in writing and add a complaint with CFPB so they could remove them. I am doing so here. Listed below are the companies and dates in which the inquires took place without my knowledge. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX both companies told me since there was no record of the actual application there was nothing they could but, they told me they could not provide that to me I writing and to file a fraud complaint and send it to the bureaus to have it situated. 

CAPONE NA, XX/XX/XXXX police report was filed last year about this, the account was terminated and removed from credit report but the inquiry remained. Police report filed, disputed with the actual agency and XXXX, was told to complete a complaint with CFPB. No account was ever created, activated, applied for, or had by me for reference. 

XXXX XXXX, XX/XX/XXXX Police report filed, disputed with the actual agency and XXXX, was told to complete a complaint with CFPB. No account was ever created, activated, applied for, or had by me for reference. 
XXXX XXXX XXXXXXXX XX/XX/XXXX Police report filed, disputed with the actual agency and XXXX, was told to complete a complaint with CFPB. No account was ever created, activated, applied for, or had by me for reference. 
XXXX XXXX XX/XX/XXXX Police report filed, disputed with the actual agency and XXXX, was told to complete a complaint with CFPB. No account was ever created, activated, applied for, or had by me for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/XXXX, i reached out to XXXX and multiple companies that are reporting inquires on my consumer report directly to XXXX, who still furnishes the information without my consent o knowledge. 

XXXX told me to reach out to the companies individually and verify with them that there are no accounts being reported, then send it in writing and add a complaint with CFPB so they could remove them. I am doing so here. Listed below are the companies and dates in which the inquires took place without my knowledge. 

SYNCB/LOWES XX/XX/XXXX SYNCB/ AMAZON XX/XX/XXXX both companies told me since there was no record of the actual application there was nothing they could but, they told me they could not provide that to me I writing and to file a fraud complaint and send it to the bureaus to have it situated. 

XXXX XXXX, XX/XX/XXXX police report was filed last year about this, the account was terminated and removed from credit report but the inquiry remained. Police report filed, disputed with the actual agency and XXXX, was told to complete a complaint with CFPB. No account was ever created, activated, applied for, or had by me for reference. 

XXXX XXXX, XX/XX/XXXX Police report filed, disputed with the actual agency and XXXX, was told to complete a complaint with CFPB. No account was ever created, activated, applied for, or had by me for reference. 
XXXX XXXX XXXX XX/XX/XXXX Police report filed, disputed with the actual agency and XXXX, was told to complete a complaint with CFPB. No account was ever created, activated, applied for, or had by me for reference. 
XXXX XXXX XX/XX/XXXX Police report filed, disputed with the actual agency and XXXX, was told to complete a complaint with CFPB. No account was ever created, activated, applied for, or had by me for reference.

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with Fair Credit Act, these three Credit Bureaus has violated my rights, XXXX  Credit Bureau. 
XXXX Credit Bureau. 
Transunion Credit Bureau. 

This is the correct information that only should be reporting on my credit reports Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Texas XXXX Date Of Birth : XXXX Social Security Number : XXXX PLEASE MAKE SURE ALL Personal Info Is Corrected To What I Have Placed Above Asap!

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with Fair Credit Act, these three Credit Bureaus has violated my rights, XXXX Credit Bureau. 
Experian Credit Bureau. 
XXXX Credit Bureau. 

This is the correct information that only should be reporting on my credit reports Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Date Of Birth : XXXX Social Security Number : XXXX PLEASE MAKE SURE ALL Personal Info Is Corrected To What I Have Placed Above Asap!

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 2024-02-28 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: GA

Complaint narrative:
After reviewing my credit report, I have noticed hard inquiries I do not recognize. I have contacted all 3 CRAs, and they refuse to dispute or investigate the inquiries. Attached is an FTC report indicating all of the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile. 

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

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 2024-02-28 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: United PanAm Financial Corp.
State: FL

Complaint narrative:
I filed a dispute months ago a request for verification of authorization to pull my credit but the credit replied back as verified but never sent a copy of all proof. I do not recognize this creditor nor did I authorized them to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting a complaint against Equifax to the CFPB due to their failure to adequately respond to my dispute attempts regarding inaccurate items on my credit report. On XX/XX/XXXX, I mailed a dispute letter to Equifax requesting an investigation into the inaccuracies. Additionally, I disputed incorrect personal information listed on my credit report. 

Despite my initial dispute, I did not receive any response from Equifax regarding the investigation results. Subsequently, I sent another dispute letter on XX/XX/XXXX. In response, on XX/XX/XXXX, Equifax provided a vague response stating that the member number submitted was not reporting as an inquiry on my credit file and asked me to verify the member number and resubmit my dispute online. However, this did not address the inaccuracies I had disputed. 

I continued to send additional disputes to Equifax on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Despite multiple attempts, I have not received a single response from Equifax regarding any of my disputes. 

Under the Fair Credit Reporting Act, credit bureaus are required to conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of any information in their file. It is evident that Equifax has failed to fulfill this obligation by not conducting a reasonable investigation upon receipt of my disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: Velocity Portfolio Group
State: NJ

Complaint narrative:
Subject : Cease Unauthorized Credit Reporting Immediately Violation of New Jersey FCRA Identity Theft Fraud Laws Dear Velocity Investment, LLC, I am writing to address a concerning violation involving the unauthorized reporting of information to my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as New Jersey identity theft fraud laws. 

It has come to my attention that Velocity Investment , LLC has engaged in unauthorized reporting to my credit report without obtaining my explicit consent, which is a clear violation of federal law as outlined in the FCRA, particularly under Section 1681b ( a ) ( 2 ). 

In addition to federal law, New Jersey state law, particularly the New Jersey Fair Credit Reporting Act and identity theft fraud laws, underscores the necessity of consumer consent for credit reporting. Unauthorized access and misuse of personal information are serious offenses under New Jersey law, subject to penalties. 

I assert that I have not provided consent for Velocity Investment, LLC to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights and could potentially damage my creditworthiness, in addition to disregarding federal and state laws. 

I demand that Velocity Investment, LLC immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and New Jersey state law. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance and subject to penalties under applicable laws, including New Jersey identity theft fraud laws. 

Obtaining consent is not optional but a legal obligation under these specific sections of the FCRA, New Jersey state law, and identity theft fraud laws. This is a demand for compliance with both federal and state regulations, aimed at protecting consumers like myself from unauthorized and damaging credit reporting. 

I expect Velocity Investment, LLC to promptly rectify these violations and respect my rights under federal and state laws. 

Done in good faith.

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 2024-02-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: KS

Complaint narrative:
XXXX has sold the debt several times, even after its been dismissed and closed through several disputes. It is over 7 yrs old, its been disputed 3 times. They have lied and keep changing the dates. I have disputed so many times and have won everytime, then the debt gets removed, closed and then put back on by someone else, or even the same company that was renewing the debt after the fact they lost the dispute. Then a few days later it popped right back up on my credit report. I keep trying get them to stop, but they refuse. Ive been threatened to be sued and that it would possibly damage my credit report. There has to be a law that protects me from this! How can sprint just keep doing this! Their current collection agency is called Jefferson Capital systems, now the dispute says they won, how can they win when Ive already had it removed 3 times and closed? So the 7 years starts back over? Thats not right, whats XXXXhe point of having that rule if it doesnt actually matter? The collection has completely started back over. I dont know what to XXXX XXXX I dont know what my legal rights are. I feel like I am being bullied and harassed by this company, considered they found a way around the 7 yr credit drop rule, so how many other old debts are going to pop back up on my credit that are over 7-10-15 yrs old? Im terrified theyre going to get away with this. Just keep reporting it over and over and what if all the other old ones just start showing up? Ill never know what is on my credit, Im trying to get into law enforcement and everytime I turn around I look like Im lying to the government about what debts I have, when in fact one day its not there and the next day it is. Its causing me so many problems. Please please I am begging. Someone help me stop sprint from just charging whatever and whenever they want because they can make up documents and change it however they see fit, Im not sure if theyre actually doing that, maybe its the debt collection agency doing it, but either way I need help stopping the falsifying of documents that affect my credit! I think I even have receipts if the original account set up date! Thank you and hope to hear back soon. Ps. I added proof that Ive been found correct and that the FRCA agreed with me about sprint and had it removed from my credit from my first dispute against sprint. I won and it was removed from my credit, only for them to find a way to go against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: OR

Complaint narrative:
XX/XX/XXXX : Via https : //studentaid.gov/ I submitted to be put on the SAVE plan as a new applicant. As of XX/XX/XXXX this remains in review with my loan servicer, MOHELA. 
XX/XX/XXXX : I checked the MOHELA website to see when my next payment is due. It states {$3600.00} is due on XX/XX/XXXX which is beyond the SAVE amount quoted to me ( approximately {$550.00} ). It also notes that " We haven't received annual documentation to renew payments on your repayment plan, which causes an immediate change in your monthly payment. To see if you qualify for monthly payments based on income and family size, sign into StudentAid.gov and select " Recalculate my monthly payment ''. '' though this was submitted on XX/XX/XXXX and is supposed to be in review. 
XX/XX/XXXX : I resubmit the IDR Plan Request as a " recalculating plan '' to be put on the SAVE plan. 
XX/XX/XXXX : I receive a bill in my email from Mohela reflecting the {$3600.00} noted above. 

I have been told that Mohela should not be asking me to recertify my income before XX/XX/XXXX, which I believe it is asking with the " annual documentation '' as my tax information was used to calculate IDR plan estimates on studentaid.gov. They have also not processed or reviewed my submissions in a timely manner, and I am being adversely affected with a bill that is 6 times the amount it should be. Mohela has given me no communication in this manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: WA

Complaint narrative:
In XX/XX/XXXX I got a notice of collections from debt recovery services with the original debt originating from snap finance for the amount of {$700.00}. I called the collection agency to find out what this was about where the debt originated and how this couldve happened I was told Where it originated in the date which was in XX/XX/XXXX then inform them that Ive been in prison since XXXX technically Im still incarcerated Im at a federal Halfway House which I got there XX/XX/XXXX and Im set to be released XX/XX/XXXX. I informed them that there is no possible way of couldve opened this account and that this is not mine I do not acknowledge it and Im not going to pay it. This is the second collections account that has appeared on my credit report. I dont know why this one took so long to show up but when I got released and did my first credit pole, I had a collections account from a XXXX account and XXXX XXXX which I provided the documentation to show I was incarcerated and could not have opened this account and it was removed from my credit report account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Regional Management Corporation
State: NC

Complaint narrative:
Per the FCRA, I am a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation { {$1000.00} }, for every violation. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). I are writing to bring to your attention a billing error related to our account, as governed by the provisions outlined in 15 U.S. Code 1666 and 12 CFR Part 1026 Regulation Z. This billing error dispute encompasses past, current, and future Certificate of Indebtedness transactions associated with the contract in place between XXXX XXXX and Regional Finance regarding my account. It has come to our attention that there has been a failure to credit our account for the Certificate of Indebtedness, particularly concerning dividend payments derived from our treasury coupon. Despite Regional Finance benefiting from dividend payments related to this certificate, a corresponding credit has not been applied to our account from the dividend payments that Regional Finance made off our treasury coupon. Moreover, this discrepancy may be in violation of the regulations set forth in 12 CFR Part 1026 Regulation Z, which governs certain aspects of credit transactions, including billing errors. We would appreciate a thorough review of our account to ensure compliance with these regulations. Additionally, we would like to highlight a non-compliance with the Electronic Funds Transfer Act ( 15 U.S.C. 1693 ) in the crediting process. Specifically, interest accrued from our treasury coupon, as outlined by the aforementioned Act, has not been duly credited to our account through the appropriate channels. We are confident that Regional Finance values its commitment to adhering to federal regulations and ensuring transparency in all financial transactions. As such, we kindly request a thorough review of our account to rectify the billing error promptly. Furthermore, we expect a detailed explanation of the discrepancies identified and the actions taken to remedy the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I have two AMEX prepaid gift cards. XXXX ( {$100.00} ) was given to me XXXX of XXXX. 
The other was given to me XXXX of XXXX ( also {$100.00} ). I was able to use most of the XXXX card but then ran into problems with any business accepting it. When I try to check balance on AMEX website, it doesn't accept my card information because they ask for a four digit pin and my cards have three digit pins. I called AMEX today ( XX/XX/XXXX ), started speaking to a person and as soon as I started giving the card number they immediately transferred me ( didn't give me time to question ) and put me back into automated system that asks for information my cards don't have. I don't understand why it is so hard to find card balance, why AMEX website doesn't accept my card information and why a phone call didn't get me the information I needed. It seems AMEX doesn't want people to use full value of cards and doesn't offer real customer service to help with the use of their cards. Any help letting the company know how un-customer friendly they are is appreciated!

Company response to consumer: Closed with monetary relief