vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a XXXX Below are the details of the account in question : Creditor Name : XXXX XXXX Account Number : XXXX It has come to my attention that this XXXX is being reported repeatedly XXXX, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a XXXX should be reported only XXXX, reflecting the date it was XXXX XXXX. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous XXXX  reporting of this XXXX misrepresents my payment history and negatively impacts my credit score. 
Furthermore, the statute of limitations for reporting a XXXX  is XXXX years from the date of the initial delinquency that led to the XXXX ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 
Repeatedly reporting this XXXX as a new event each XXXX  does not reflect the statute of limitations and is therefore improper. 

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the XXXX from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 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:
I am writing to formally dispute the reporting of a XXXX  account from XXXX XXXX on my credit report. I have never lived at, applied for, or signed a lease with XXXX XXXX. This account does not belong to me and is inaccurately attributed to my credit file. 

I have already submitted an XXXX  Identity Theft Report and a police report from the XXXX XXXX XXXX XXXX Department ( Report Number : XXXX XXXX ) regarding this fraudulent account. Despite this substantial evidence, the account remains on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681c-2 ( a ) : Credit reporting agencies are required to block information resulting from identity theft upon receipt of an identity theft report from the consumer. The documentation I have provided clearly demonstrates that this account was fraudulently opened in my name. 
15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : This section mandates a reasonable reinvestigation of disputed information. It is unacceptable that Equifax continues to report this account without fully considering the extensive documentation I have provided. 
Furthermore, I should not be required to provide proof of where I have lived or supply lease agreements from my current or previous residences. This is an invasion of my privacy and irrelevant to the dispute at hand. The burden of proof lies with XXXX XXXX to provide a valid lease agreement signed by me, which they can not do because no such agreement exists. 

The continued reporting of this account is a violation of my rights under the FCRA. I request that you : Immediately remove the XXXX XXXX XXXX  account from my credit report. 
Cease any further reporting of this disputed account without a thorough and impartial review of all evidence provided. 
Ensure full compliance with FCRA requirements in handling this and any future disputes. 
If this issue is not resolved promptly, I will have no choice but to escalate the matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

I trust that Equifax will take the necessary steps to rectify this situation and ensure the accuracy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NY

Complaint narrative:
Debt collector is trying to collect money for back rents that... 
A ) doesn't have proof of a signed lease or residence at that time period, which means the rent for the time period of the lease signed was paid in XXXX, and the collector didn't provide any proof of any Debt owned when I requested it. 

B ) the rent was approved for payment in XXXX  by XXXX  XXXX of which the XXXX was in confirming in XXXX  to me of it. 

C ) XXXX rules and guidelines states very clear that a XXXX  can not by law collect these rents or add any late fees or interest ones XXXX was filled, but XXXX violated these rules. 

D ) XXXX called us to XXXX, which was dismissed. 

So after XXXX  don't have proof of any money/Debt owned to him for the time period he is trying to collect a Debt, XXXX  was approved for payment in XXXX  by XXXX  but still is trying to collect more money and added fees and interest against XXXX  rules XXXX XXXX  's suit in XXXX  was dismissed by the XXXX, and even after a XXXX  dismissed the XXXX  's XXXX, XXXX  is still after us for collection of a Debt that isn't true and no Debt is owned to XXXX, I notified the XXXX and the collection agency of all the above Facts, + I send them all the proof of the above stated XXXX, XXXX dismissal and complaints against the Debt, which I never received a response to it from either the XXXX  or collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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:
Recently, I did an investigation on my credit report and found that several items there were inaccurate on my account. This account is affecting the ability to obtain credit, I request an investigation of these items so that the inaccuracies are verified. 
Here are the items for your verification : Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 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: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 explanation
Consumer complaint received 2024-09-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Complaint Regarding Non-Response to Credit Disputes Dear CFPB, I am writing to file a formal complaint against the credit bureaus for their failure to respond to my credit disputes in accordance with the Fair Credit Reporting Act ( FCRA ). I have submitted multiple disputes regarding inaccurate information on my credit report, but I have not received any response or resolution within the required timeframe. The details of my disputes are as follows : XXXX XXXX XXXX : XXXXVerify the accuracy of this dispute or delete this immediately. 
XXXX XXXX XXXXThis account was never late. This account is paid as Agreed. Remove late payment immediately. 
XXXX XXXX XXXXVerify the accuracy of this dispute or delete this immediately. 
XXXXVerify the accuracy of this dispute or delete this immediately. 
XXXX  XXXX Verify the accuracy of this dispute or delete this immediately. 

Despite my efforts to resolve these issues directly with the credit bureaus, I have not received any acknowledgment or corrective action. This lack of response is causing significant harm to my creditworthiness and financial well-being. 

I kindly request that the CFPB investigate this matter and take appropriate action to ensure that the credit bureaus comply with their legal obligations under the FCRA. Please provide me with updates on the status of my complaint and any actions taken. 

Thank you for your prompt attention to this matter. I look forward to your response.

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 2024-09-15 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: AL

Complaint narrative:
I noticed unauthorized inquires on my credit report that I would like removed. According to the FCRA, these unverified and unauthorized items must be 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 2024-09-15 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Payment issues
Company: Clasp Group, Inc.
State: IL

Complaint narrative:
Subject : Dispute Regarding Income Threshold and Payment Obligation under ISA Agreement Dear CFPB, I hope this message finds you well. I am writing to formally address an issue concerning my Income Share Agreement ( ISA ) with Stride Funding. As of XX/XX/year>, I have been notified that Stride Funding believes I have reached an annual income of {$95000.00}, and as a result, is requesting repayment of the loan. However, this figure is incorrect, and I have not met the income threshold required for repayment under the terms of the ISA. 

To date, I remain unemployed and do not have the financial means to meet the payment obligation. I have already submitted documentation to Stride Funding to substantiate my current financial status, but I have not yet received a response. Despite this, I have been notified of an upcoming charge for the following month, which I am unable to pay given my circumstances. 

I kindly request that Stride Funding reviews the documentation I have provided and updates my account to reflect my actual financial situation. I appreciate your prompt attention to this matter and hope for a swift resolution to avoid any further confusion or unnecessary financial burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
First, XXXX XXXX unfairly and intentionally closed my credit cards to damage my credit. XXXX XXXX stopped responding to my CFPB reports marking them as duplicates. XXXX XXXX did not stop there. These sick people from XXXX XXXX headquarters keep reporting FALSE balances on my closed credit cards to damage my credit further. The last statement balance was XXXX, due date XX/XX/XXXX. I made the full payment well ahead of time and the payment was posted on XX/XX/XXXX. The credit bureaus are taking the bank 's side and is refraining from fixing the false balances, even when I have tangible proof. I don't owe any balance on any XXXX XXXX credit cards.

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 2024-09-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
First, XXXX XXXX unfairly and intentionally closed my credit cards to damage my credit. XXXX XXXX stopped responding to my CFPB reports marking them as duplicates. XXXX XXXX did not stop there. These sick people from XXXX XXXX headquarters keep reporting FALSE balances on my closed credit cards to damage my credit further. The last statement balance was XXXX, due date XX/XX/XXXX. I made the full payment well ahead of time and the payment was posted on XX/XX/XXXX. The credit bureaus are taking the bank 's side and is refraining from fixing the false balances, even when I have tangible proof. I don't owe any balance on any XXXX XXXX credit cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 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: CA

Complaint narrative:
First, XXXX XXXX unfairly and intentionally closed my credit cards to damage my credit. XXXX XXXX stopped responding to my CFPB reports marking them as duplicates. XXXX XXXX did not stop there. These sick people from XXXX XXXX headquarters keep reporting FALSE balances on my closed credit cards to damage my credit further. The last statement balance was XXXX, due date XX/XX/XXXX. I made the full payment well ahead of time and the payment was posted on XX/XX/XXXX. The credit bureaus are taking the bank 's side and is refraining from fixing the false balances, even when I have tangible proof. I don't owe any balance on any XXXX XXXX credit cards.

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 2024-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Name XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX Fl XXXX Date XX/XX/year> I am writing to request a detail description of the investigation process followed by your agency regarding the disputed accounts on my credit report. pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 ( 7 ).

Under Section 15 USC 16811 ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer dispute. 

Account XXXX ACCOUNT # 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 non-monetary relief
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
On Trans Union a Mortgage account has uploaded and a XXXX XXXX balance has been updated. The issue is that Trans Union has decreased by -45 points! I don't understand whats the matter here, the XXXX XXXX account have decreased by - {$500.00} thats not supposed to decrease my score and the Mortgage has been reduced by 1 %. Instead on XXXX the mortgage is in and it only took off -5 points. Im having this problem constantly, with Trans Union taking downgrading my scores extremely for no reason.

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 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: DISCOVER BANK
State: IL

Complaint narrative:
The credit report from Discover bank shows monthly payment missing. But the payment is all done accurately, and balance is XXXX still in my credit report it shows payment missed and it is impacting my credit score Discover : 30 days late payment in XX/XX/year>. I am filing this complaint to get the payment missing reversed so that my credit score be improved

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: InDebted Corporation
State: TX

Complaint narrative:
Over the past three years, my personal data has been breached multiple times. This company contacted me regarding an alleged debt. I requested validation of the debt, but never received it. Despite this, the company continues to send emails and make phone calls, which is a violation of Section 1692c of Title 15 of the U.S. Code under the Fair Debt Collection Practices Act ( FDCPA ). According to this section, third-party debt collectors must cease contact with the debtor upon request until proper validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc.
State: MD

Complaint narrative:
I have unauthorized inquiries on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 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: TX

Complaint narrative:
Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts has violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.

Resolution : Delete this these accounts unless you want to be held accountable for {$1000.00} per account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 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:
Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts has violated my rights.
Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.

Resolution : Delete this these accounts unless you want to be held accountable for {$1000.00} per account

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 2024-09-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Continental Services Group, Inc. d/b/a ConServe
State: OH

Complaint narrative:
So I went to a school which was XXXX XXXX XXXX! Online class, during the start of school I had a hardship occur with the courts and couldn't attend. After things returned to normal they started calling me none stop after I had already reached out and told them the situation. 
I never consented to sharing my information with third party non-affiliated companies as I had every intention on paying what I owed. They continued and are still calling. This account was sent to collection without my written or verbal consent. Under the FCRA 15 U.S. Code 6802 A, B, a creditor can not furnish my information without my written or verbal consent. Please remove this from my credit report and cease all communication for violating my rights

Company response to consumer: Closed with explanation