vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-30 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: FL

Complaint narrative:
I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on [ XX/XX/year> ] followed on [ XX/XX/year> ] and followed up on [ XX/XX/year> ]. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

Unauthorized Inquiries in Question XXXX XXXX XXXX XXXX  Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable. 
Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction.

Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay.

3. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately.

4. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions. 
Warning of Legal Action If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter. 
I expect your immediate response and resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: FL

Complaint narrative:
I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on [ XX/XX/year> ] followed on [ XX/XX/year> ] and followed up on [ XX/XX/year> ]. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
Unauthorized Inquiries in Question XXXX XX/XX/year> XXXX XX/XX/year> Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable. 
Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction.

Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay.

3. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately.

4. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions. 
Warning of Legal Action If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter. 
I expect your immediate response and resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: TX

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2024-11-30 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: TX

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2024-11-30 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: MD

Complaint narrative:
Notice to an agent is notice to the principal. 

I am writing in response to your letter dated XX/XX/year>, regarding my complaint filed with the Consumer Financial Protection Bureau ( CFPB ). Your response, which included a signed agreement and a payment statement, does not fulfill my explicit request for critical information. 

On XX/XX/year>, I sent you a letter requesting specific account details, which remain unaddressed in your response. For clarity, I will reiterate my request : 1. The date of first delinquency for the account.

2. The date of the last payment made on the account.

3. The date of the charge-off.

This information is essential to validate the accuracy of the information reported on my consumer report. As you are aware, under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), the Truth in Lending Act ( 15 U.S.C. 1601 ), and Title 18 of the United States Code, you are legally obligated to provide verifiable documentation that substantiates the accuracy of the information being furnished. Failure to provide such documentation constitutes a violation of my consumer rights.

Furthermore, your continued failure to provide the requested information may also implicate Title 18 U.S.C. 1028A, Aggravated Identity Theft, as the lack of validation for the account 's accuracy raises concerns about potential misuse of my personal information. 

I reiterate that a signed agreement does not justify or validate what is being reported on my credit file. Validation requires verifiable evidence confirming the specific dates and details requested. Your response has not fulfilled this legal standard, nor does it close this matter. 

If you fail to provide the requested information within 10 calendar days of your receipt of this correspondence, I will file a civil suit in good faith to seek damages for your violations of my consumer rights under the aforementioned laws. 

This is your final notice. I trust you will take the necessary steps to comply promptly.

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 2024-11-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
Back in 2016, I discovered that ex-wife took out multiple loans in my name, without my knowledge, totaling approximately {$XXXX}. Despite reporting this to the Department of Education, the police, banks, and filing an identity theft report, I have been unable to resolve the matter. It is also possible that there are additional loans taken out at other schools that I am not yet aware of. 

I have all relevant reports and email correspondence sent to the colleges where the loans were taken, specifically XXXX XXXX. I can provide these upon request. 

To clarify, issues with XXXX XXXX XXXX  and XXXX XXXX  were resolved by the respective banks in XXXX, but the student loans remain unresolved. Furthermore, according to university policies, it should not be possible to obtain student loans for someone who already holds a XXXX XXXX from a foreign institution. I hold a XXXX degree from a foreign country, which makes me ineligible for financial aid. Despite this, my ex-wife was able to secure both financial aid and student loans using my information without my knowledge. 

I have NEVER attended any schools in the XXXX, either in person or online. This situation has caused me significant financial distress, as my XXXX XXXX has been so low that I can not even apply for a credit card to help with my expenses. The loans were taken out from XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I have tried to contact the schools, but they have refused to give me any information. 

I am also confused about how the colleges allowed another person to obtain these loans in my name without verifying my identity or proof of any degree, such as XXXX XXXX XXXX XXXX 

I am seeking assistance in resolving this issue, as I can not afford an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: CA

Complaint narrative:
Subject : Dispute of Inaccurate Credit Reporting and Request for 1099-C Documentation To Whom It May Concern, I am disputing the accuracy of an account listed on my credit report under 15 USC 1681s-2 , which mandates the reporting of accurate and verifiable information. 

The account in question is as follows : 1. Account Name : XXXX XXXXXXXX XXXX XXXX Date Listed : XXXXXXXX XXXX XXXX The balance currently being reported is inaccurate and potentially unlawful. Per XXXXXXXX XXXX XXXX XXXX XXXX the issuance of a 1099-C form by a creditor indicates the occurrence of an identifiable event of debt cancellation. Under IRS regulations, Event Code 7 defines such an event as a discharge of indebtedness due to the creditors policy decision to cease collection activity and cancel the debt. 

If a 1099-C form has been issued for this account, the debt has been canceled, and reporting a balance is inaccurate and misleading. I am requesting the following : Verification of the Account Balance : Provide evidence demonstrating that the balance is accurate and collectible.

Provision of the 1099-C Form : If issued, provide a copy to verify the identifiable event. 
Immediate Deletion of the Account : If the debt was discharged under Event Code 7 or can not be verified, you are required to delete this negative information under the Fair Credit Reporting Act.

Attached, you will find [ list of supporting documents ]. Please investigate this matter within the legally required 30-day timeframe. Failure to respond appropriately will result in further action. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX, I previously submitted a report to the Consumer Financial Protection Bureau, complaint no # XXXX, in which I reported a company called, Genesis Credit Management aka Columbia Debt Recovery , LLC, representing XXXX XXXX XXXXXXXX XXXX whom submitted a negative on my credit report despite that I been submitting the payments 15 days before the due date of {$200.00}. I have attached the supporting documents, as part of my evidence, including the negative affecting my credit score. In addition, XXXX XXXX  are being sued by XXXX from a Notice of Class Action Settlement lawsuit, in which XXXX XXXX  were overcharging late fees of {$100.00} each time the rent was late. I have attached the supporting document, to demonstrate that this company was ripping people off despite the standard normal regular charge should range between {$35.00} to {$55.00} only, not {$100.00} on late rent. I understand this lawsuit will end by XX/XX/2024 and I am expected to get a refund out of this lawsuit, to pay off this debt. I got involved in a hit and run car accident on XX/XX/2024, was XXXX, in which I was late on my rent and the apartment manager refused to accept the late rent with late fee. I was not able to get much from the hit and car accident and this company submitted a negative report on my credit, and it is affecting me obtaining credit and charging me extra fees when I am paying on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: MS

Complaint narrative:
Subject : Request to Block and Delete Fraudulent Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) & FCRA 605 ( b ) I am writing to formally notify you that I have been a victim of a data breach and identity theft, resulting in several fraudulent accounts and inquiries appearing on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts and inquiries be blocked and permanently deleted from my credit file : Fraudulent Accounts : XXXX. XXXX XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$580.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$580.00} XXXX. XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$450.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$6100.00} XXXX. XXXX XXXX XXXX- Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$190.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$120.00} Fraudulent Inquiry : XXXX. XXXX XXXX - Inquiry Date : XX/XX/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 2024-11-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Aqua Finance, Inc.
State: NE

Complaint narrative:
The company stopped sending me statements/billing documents in XXXX of XXXX. On the online portal it also only shows statements until XX/XX/year>. My loan isn't finished and there is still a balance but I am not receiving any billing statements. I have reached out to them multiple times to get billing statements and I keep being told they put in a ticket and they'll fix it. It is now XXXX and it is not fixed and I have no billing statements still. Here are some of the dates that I called and spoke to agents/put in tickets : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I then filed an official complaint and they actually called me back to try and fix the issue. I was told that they switched to a new system in XXXX and thats why I no longer got billing statement. I was ASSURED the issue was resolved and Id start receiving statements again. The last conversation I had with them was XX/XX/XXXX I believe and I was told 100 % for sure Id get a statement by the end of XXXX. Its now the end of XXXX and I have NOT received it. Im disappointed they closed out the last complaint without actually ensuring the issue was fixed. It was not fixed. This is unacceptable and feels unethical to not have a single billing statement for nearly 6 months and not a single rep wanted to try and fix it until the first complaint rolled in.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: Duvera Billing Services, LLC
State: TX

Complaint narrative:
My information was exposed in a data breach and this information need to be removed. I ask don't turn my dispute into a third-party dispute under section 605 b this should be removed within 4 days. I've still been waiting for this to be deleted. I dont need theft to fix my whole credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: ROBINHOOD MARKETS INC.
State: NC

Complaint narrative:
Explanation of My Complaint : Recently, XXXX has begun drastically reducing credit limits for many cardholders, including myself, with little to no explanation or prior notice. On XX/XX/year>, I discovered that my XXXX credit limit had been slashed from {$32000.00} to {$5000.00} without any warning. I was not notified in advance, and the only communication I received was a vague email dated XX/XX/year>, citing a " periodic review '' as the reason for the reduction. 
This reduction had an immediate and detrimental impact : My credit utilization spiked from under 10 % to over 50 %, harming my credit score despite my responsible usage and perfect payment history. 
The change disrupted my ability to manage routine expenses, as my card was unexpectedly declined for a grocery order, stranding my family mid-transaction. 
Why This Is Unfair : Lack of Notice : I was not given advance warning or a clear opportunity to address any perceived risk factors. 
Arbitrary and Unexplained : The reasons provided, such as " periodic review, '' lack transparency and do not align with my financial behavior or payment history. 
Severe Financial Harm : The abrupt reduction caused unnecessary stress, credit score damage, and disruptions to essential transactions, like groceries or subscriptions. 
Desired Resolution : A complete investigation into XXXX practices, including their lack of transparency and failure to notify customers adequately. 
Restitution for affected customers, such as reinstatement of previous credit limits or compensation for credit score damage. 
Improved communication policies to ensure that customers are warned and given a chance to address concerns before such drastic actions are taken. 
This situation undermines trust in credit card issuers and highlights the need for accountability when companies make sweeping changes that harm their customers. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: PA

Complaint narrative:
I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my 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 non-monetary relief
Consumer complaint received 2024-11-30 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: PA

Complaint narrative:
I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my 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 2024-11-30 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: PA

Complaint narrative:
I am writing to formally request that you block and delete all accounts listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a recent data breach. These accounts were opened or reported without my knowledge or consent, and I believe they are the result of fraudulent activity.

Please ensure that the following accounts are blocked, deleted, and marked as " fraudulent '' on my credit report : Accounts to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief