vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-14 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 submitted a previous complaint to Equifax, XXXX, and XXXX to delete inaccurate information on my credit report that was fraudulently initiated. I requested for the information to be deleted and blocked, however Equifax failed to completely comply. I was a victim of an Equifax data breach which I previously submitted proof regarding. I also was a victim of identity theft when personal documents including my social security card and birth certificate but not limited to were stolen. My previous complaint ID 's are XXXX, and XXXX. I am now again submitting a complaint to have all items I listed deleted and blocked with a police report as proof. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX all need to be deleted and blocked. I'm also requesting punitive and statutory damages of {$1000.00} each for all violations currently still listed on my report and for the information that was removed from my last complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 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: MI

Complaint narrative:
I am a victim of Identity Theft. I need immediate attention. It hindrance my finances and affect my credit file. Remove the following accounts ASAP from my Credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my accounts.

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 2024-02-14 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
We opened up a credit card with Wells Fargo and were approved for XXXX. With an immediate digital wallet amount of XXXX. We subsequently went to make a purchase from a furniture company online and a portion of the charge roughly {$1800.00} went through with no issue, {$7400.00} was denied. We called wells fargo and asked why the charges were denied and we were told that this is a known issue. It was likely that we did not activate the card, although the {$1800.00} charge went through. Since charges ( XXXX ) were requested through a digital wallet of XXXX and then denied it, took that money ( XXXX ) out of our checking account. You can imagine the stress of having that much money taken out of your account, we then overdrafted our checking account, and it left us with insufficient funds to pay our monthly bills. We asked Wells Fargo to make it right and put a complaint in. They said they would look into it and that a possible solution would be a cash advance with 0 % interest. 10 days later the complaint reached out to us, and stated that it was most likely a fraud alert. If this was fraud, and for it to take us reaching out to them, for the possible fraut to come to their awareness theres a larger issue. We would like Wells Fargo to make it right for putting us in a financial hardship when we were approved to utilize an amount of XXXX and an immediate utilization of {$13000.00}. Our initial purchases was under XXXX. The most concerning part and why I would like to advocate for others is it the multiple representatives that we spoke to within Wells Fargo told us that this was a known issue and something that they have to deal with regularly. If that is the case, they are doing their customers an injustice and their actions should be corrected. More than happy to discuss in further details all conversations to ensure the proper steps are taken taken in this resolution. 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 explanation
Consumer complaint received 2024-02-14 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: MI

Complaint narrative:
Ive been trying to get my student loan payments set up since XX/XX/XXXX. On XX/XX/XXXX I applied for the new SAVE plan ( income driven ) and was pre-approved with a payment amount of ~ $ XXXX. It took over a month for the SAVE application to process. Once processed, my payment amount went up to $ XXXX. I can not afford this. I spent hours waiting on hold and talking to different Mohela representatives, but nobody could tell me why my payment increased by over 2x, or how to fix it. I was told Id have to re-apply and wait another month for the SAVE application to re-process. 

I decided to apply for a traditional payment plan ( not income based ) on XX/XX/XXXX to avoid another month-long wait and processing error with the IDR plans . The plan I chose is the graduated extended plan, with a payment of $ XXXX. 

At the time of this writing, not only has my graduated extended plan NOT yet been processed and approved, but Mohela is still showing my monthly payment as $ XXXX starting XX/XX/XXXX. And my forbearance has ended, even though Mohela is still processing my application all these months later. 

Ive sent 4 messages through Mohelas website ( first message sent XX/XX/XXXX ) and none of my messages have been responded to. Every time I call, Im on hold, sometimes for several hours, and given the run around, told to be patient, etc. Ive been very patient, but at this point this is totally unacceptable, and worrisome to have my student loans managed by such an unorganized company. I requested to be transferred to another servicer, but nobody from Mohela could tell me how to do this. I want my graduated extended plan to be processed and officially approved so I can start making payments. I also need information on how to get my loans transferred to a better servicer. Please help me : (

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am notifying you that this item has originated from identity theft. This item has been reported to the Federal Trade Commission and is pending investigation.

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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2023, I bought a vehicle from XXXX of XXXX XXXX, although I didn't finance the purchase through them. I financed through XXXX XXXX Despite this, XXXX XXXX XXXX XXXX bank conducted XXXX credit inquiries. On my credit report, the first inquiry is listed as XXXX XXXX XXXX, and the second one is attributed to XXXX XXXX XXXX XXXX XXXX I've reached out to their financing department multiple times, and they assured me they would address the matter with their bank. Unfortunately, they have since ceased responding to my calls and emails. I've left voicemails regarding the issue, but there have been no updates.

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 2024-02-14 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 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: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
I SENT A LETTER TO THE CREDITOR IN THE FILE ATTACHED. I HAVE NOT RECEIVED ANY WRITTEN RESPONSE. INCORRECT REPORTING HAS MADE ME UNABLE TO COMPETE IN THE FINANCIAL WORLD. I HAVE SUFFERED MENTAL ANGUISH AND FRUSTRATION. I HAVE NOT BEEN ABLE TO AQUIRE EQUIPMENT AND SUPPLIES THAT I NEED FOR MY PROFESSION. I BELIEVE I AM DUE {$5000.00} PER INCIDENT. REFERENCE FAIR CREDIT REPORTING ACT 15 USC 1861 PAGE 10.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
XXXX Reported to XXXX XXXX  by phone agent, that this debt in constantly being reported on my credit report negatively affecting my life. This debt has become an unnecessary hindrance to my ability to estabish credit and enjoy life. The debt reported is a {$620.00} debt for the calendar year of XXXX. 
25 years later i am still being contacted by a debt collector for payment that i do not owe! 
I currently have a very low credit score and am being rejected and this undue adversity only complicates matters for me. 
The debt is not valid and should not even exist or be reported in any action as i went through bankruptcy in XXXX, clearing my debts. Also being, unlawful for any agency to report any debt after 7 years, this has been almost 4 times that length of time, causing 4 times the adversity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: NY

Complaint narrative:
I wrote to you requesting an investigation into items that I believed were falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Dear Sir/Madam, I am writing to file a complaint against Midland Credit Management for violating several consumer protection laws, including 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR1006.34 ( c ) ( 4 ) ( I ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( A ). I am requesting that the collection agency be removed from my credit report due to these violations.

According to 12 CFR 1006.34 ( b ) ( 5 ), a debt collector is prohibited from making false or misleading representations about the character, amount, or legal status of any debt. However, Midland Credit Management has repeatedly misrepresented the amount of the debt owed, leading to inaccurate information being reported on my credit report.

Furthermore, 12 CFR1006.34 ( c ) ( 4 ) ( I ) states that a debt collector must provide the consumer with a written notice containing certain information about the debt within five days of the initial communication. Midland Credit Management failed to provide this written notice, thereby violating this provision.

Additionally, 12 CFR 1006.34 ( d ) requires debt collectors to provide accurate information to credit reporting agencies. However, Midland Credit Management has consistently reported inaccurate information about the debt to the credit reporting agencies, resulting in a negative impact on my credit score.

Moreover, 15 USC 1681-S2 ( 7 ) ( A ) prohibits the reporting of inaccurate information to credit reporting agencies. Midland Credit Management has violated this provision by reporting inaccurate information about the debt, which has adversely affected my credit report.

I demand that Midland Credit Management be removed from my credit report immediately due to these violations of consumer protection laws. I also request that the collection agency cease all further collection activities and refrain from reporting any further inaccurate information to credit reporting agencies.

I appreciate your prompt attention to this matter and look forward to a resolution in a timely manner. Thank you for your assistance in addressing this issue. 

Showing on XXXX, XXXX, and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute and request the removal of account from my credit report, citing multiple violations of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and regulations outlined in 12 CFR 106.34 and 15 USD 1681-s.

The accounts in question, reported by EXPERIAN, has been reported without proper validation information, contravening 12 CFR 106.34 ( b ) ( 5 ). Despite the absence of adequate validation information, this collection has been adversely affecting my consumer report.

Furthermore, I have not been afforded the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This denial of the dispute process is a clear violation of my rights under consumer protection laws. 

EXPERIAN has engaged in practices that violate my consumer rights, including the use of false, misleading, and deceptive means. Such practices are not only unethical but also in direct contravention of the FCRA. 

Moreover, EXPERIAN has failed to provide any and all required disclosures before furnishing the account to consumer reporting agencies, as per 12 CFR 106.34 ( d ) and 15 USD 1681-s 2 ( 7 ) ( a ). This represents a blatant violation of the law.

I am disputing any ownership of debts associated to these accounts. I am hereby revoking all communication rights through email, text, and calls. Furthermore, I request the following documentation : Debt validation for the alleged debt.

The purchase agreement between myself and the original creditor.

I expect a comprehensive investigation in line with the FCRA, 12 CFR 106.34, and other relevant consumer protection laws. If the information is found to be inaccurate or if the collection agency fails to provide the required documentation, I demand the immediate removal of the collections account from my credit report. 

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 XXXX INQUIRY Please provide written confirmation once the investigation is complete and any necessary corrections have been made to my credit report. 

Thank you for your immediate attention to this matter, and I anticipate your cooperation in ensuring compliance with consumer protection laws.

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 2024-02-14 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-14 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: FL

Complaint narrative:
I am writing to you because I have noticed that the credit bureaus do not want to do their job, which is to report the accounts correctly. While researching the bureaus ' website I noticed that you, the CFPB, are the ones who regulate it and make sure that they do their job. So what I need now is for you to give me a solution.

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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to you because I have noticed that the credit bureaus do not want to do their job, which is to report the accounts correctly. While researching the bureaus ' website I noticed that you, the CFPB, are the ones who regulate it and make sure that they do their job. So what I need now is for you to give me a solution.

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 2024-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Continental Finance Company, LLC
State: GA

Complaint narrative:
Around XXXX XXXX, XXXX XXXX XXXX bought a debt account from Celtic Bank and without any proof, they decided to insert this same account on my credit report with the same account number as Celtic Bank . Without any real proof of verification or validation of this debt, XXXX allowed XXXX XXXX to add this account to my consumer report. 

XXXX keeps claiming they verified this account as accurate, but never provided me with any documentation. I never had a contract with XXXX XXXX XXXX so how can you insert this account on my credit report ( sounds like this is identity theft )

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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I financed a car through West lake Financial and they still have yet to report it to my credit. That was the whole reason to finance a car instead of paying cash. I am trying to improve my credit and having fair and accurate reporting is needed. I have held up every end of my terms of the contact i signed with them.

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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it 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