vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-04 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: DISCOVER BANK
State: MO

Complaint narrative:
Cease and Desist Communication Regarding Collections/Charge off immediately request for deletion of account. 

* Discover Bank I am writing to formally request that you cease and desist all communication with me regarding the debt.which you claim I owe. This letter is not an admission of any liability for this debt but a request for you to halt all communication concerning it and stop reporting and request deletion of this account to all major credit reporting agencies immediately. 

According to my records and the relevant statutes of limitations, this debt has been charged off, and it is no longer legally collectible. Furthermore, any attempt to collect or re-age this debt is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 

Therefore, I insist that you : XXXX. Cease and desist all written and verbal communication with me, my family, or my associates concerning this debt. 
XXXX. Stop reporting this debt by all credit reporting agency and request for deletions to all credit reporting agencies. 
XXXX. Do not sell or transfer this debt to any other third party. 
XXXX. Provide written confirmation, within 10 days of receiving this letter, that you have ceased all collection activities related to this debt. 

Please consider this letter as a formal warning that I am aware of my rights under the FDCPA, and I am prepared to take legal action if you do not comply with this request. 

I request that you send all further correspondence related to this matter, including the confirmation of cessation, and deletion. 

Pursuant to 18 USC 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2.company has also no permission to report anything using my info pursuant to 15 USC 16814 . 

Your immediate attention to this matter is expected and appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been contacting Equifax regarding my credit report.Previously I had several fraud accounts that has been resolved.Yet the Bureau erased many of my accounts.See my XXXX report.Those same account I marked on the side reports to all XXXX bureaus.Some odd reason Equifax removed my accounts and the creditor are trying to report them and cant... .I have tried numerous times resolving this issue and to no avail.Also when my credit bureau is pulled the creditors arent receiving the report.Its coming up empty no report.This has caued me irriatable harm over and over.I have not froze or asked for any freeze... Please have a supervisor over Consumer Affairs to call me.Everytime I ask for a supervisor the represenative stated he the highest supervisor ( representative namely XXXX ) I want a supervisor over Consumer Affairs. Everytime I attempt to do anything with XXXX.Im told to send my id and social.That a long process each time. Im giving 10 days this matter resolved ..... I have letters from creditors stating they reporting my accounts but they not appearing.I got letters showing my file is locked or frozen and cant be access.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I was scammed. I sent money via XXXX to purchase furniture. The furniture was never received. The person took the money and blocked me. I really would like to get my money back. It has been over a month at this point and Experian XXXX XXXX has not been of any assistance. I am greatly disappointed in the service I have been receiving. Please review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CORELOGIC INC
State: MI

Complaint narrative:
I should not have a child support account on my credit report. Yet XXXX refuses to remove it. 

Forcing me to be unable to purchase a home.

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 2024-01-04 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: MI

Complaint narrative:
I should not have a child support account on my credit report. Yet XXXX refuses to remove it. 

Forcing me to be unable to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: IL

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account 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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
IN ACCORDANCE WITH THE FCRA THIS CREDITOR XXXX  XXXX HAVE VIOLATED MY RIGHTS UNDER : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISHAN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS.

LASTLY UNDER 15 USC 1666b A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT ON AN OPEN-ENDED CONSUMER CREDIT PLAN AS LATE.

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 2024-01-04 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: NJ

Complaint narrative:
Subject : Opt-Out Notice Pursuant to 15 UCC 6802 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Experian Dispute Department, I am writing to address my credit information and the resolution of a dispute with Experian credit bureau , specifically concerning my account with XXXX XXXX XXXX 
Despite the resolution of the dispute, there is no exception to my opt-out request in accordance with 15 UCC 6802.

I demand, unequivocally, that you immediately opt me out of information sharing pursuant to 15 UCC 6802. This is not merely a request, but a formal demand based on my rights under the mentioned statute. 
I appreciate your prompt attention to this matter and expect confirmation of my opt-out status within a reasonable timeframe. Please provide written documentation confirming the fulfillment of this demand at your earliest convenience. 
Account Information : Account Holder : XXXX XXXX XXXX Thank you for your cooperation. 
Sincerely, 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 explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I only owed {$290.00} on my XXXX, XXXX and XX/XX/XXXX statements. I paid {$290.00} on XX/XX/XXXX. I also paid {$290.00} on XX/XX/XXXX. Because that payment was rejected by Synchrony I made an additional payment of {$290.00}, thinking the {$290.00} payment wasn't received per their reps on in the call center. So one of my payments did get declined by my bank because I the first payment of {$290.00} did in fact go through. That is when I called in and I requested the closure of my account. After that balance was paid I made no further payments bc the limit on the card had been paid in full. 
No paper check was issued to me, if you disagree please provide photo proof of the paper check that was provided. Starting In XX/XX/XXXX Synchrony started adding late fees to the {$290.00} that they are saying they didn't get but I have proof from my bank statements showing I did in fact pay them {$290.00}. 
I would like to clarify that my account with Amazon Store Card was not closed due to " dishonored payments, '' as stated in your response. I initiated the closure of this account on XX/XX/XXXX, due to repeated issues with payment rejections and the imposition of late fees. This closure was an action I took to mitigate further financial complications caused by the account. 

Furthermore, the assertion that I did not honor payments is not accurate. I did make payments to the best of my ability, but your bank repeatedly rejected them and applied late fees. I have maintained documentation of these rejected payments, and if necessary, I can provide proof to support my claims. In your response, you referred to a clause in your terms and conditions related to credit reporting. However, you did not provide any evidence that this clause indeed exists on your company 's website. In the interest of transparency and compliance with the Fair Credit Reporting Act ( FCRA ), I kindly request that you provide verifiable documentation of this clause. 

Moreover, I would like to address your statement regarding the reporting of late payments. While you maintain that you have accurately reported my account history, I must emphasize that the inaccuracies in reporting have persisted. My original dispute stems from late payments being inaccurately reported for several months. I have consistently challenged this inaccurate reporting with supporting evidence and have sought resolution through multiple channels.

As per the FCRA, specifically 15 U.S.C. 1681 section 602, consumers have the right to dispute and seek corrections for any inaccurate information on their credit reports. In accordance with my rights under the FCRA, I urge you to conduct a thorough investigation into the reporting inaccuracies on my Amazon Store Card 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 2024-01-04 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: TX

Complaint narrative:
I just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 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: EdFinancial Services
State: CA

Complaint narrative:
Purpose of my complaint to CFPB is two-fold 1 ) I've been unable to receive my refund check for a student loan payment for close to 5 months now, with no satisfactory answers provided about when I will receive the check. 
XXXX ) I would like an accounting of where my student loan payments are going. As of XX/XX/XXXX, I've put {$750.00} towards my {$20000.00} balance. However, my remaining balance still remains {$19000.00}, with only {$400.00} going towards reducing my principal. I do not believe this to be an accurate accounting, and it should be recalculated. 

Timeline of events : Paid off account in full in two payments XX/XX/XXXX : {$17000.00} XX/XX/XXXX : {$20000.00} XX/XX/XXXX : I spoke with an EdFinancial ( EF ) customer service representative, XXXX, who put in request for the {$20000.00} refund. She did not know when I would get the refund check. 

XX/XX/XXXX : Student loan balance of {$20000.00} restored to EF account. 

Additional calls made to EF re : refund status and being put on new IDR plan : XX/XX/XXXX, XXXX, XXXX ; XXXX Additional calls made to Dept of Education ( at EdFinancial 's insistence that they are the ones handling refund checks ) : XX/XX/XXXX, XXXX ; XXXX. Either did not receive a definitive answer, had to wait too long, or was unable to reach anybody due to call being dropped. 

XX/XX/XXXX : Reply from EF customer service rep, XXXX, stating again there is no estimated date when I'll receive my {$20000.00} refund check.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: TX

Complaint narrative:
I have only received one billing statement from my student loan servicer MOHELA on XX/XX/XXXX for a payment due date of XX/XX/XXXX. Even in this instance, the billing statement was sent less than the required 21 days prior to the due date. Following that, I have not received any billing statements for payment due dates on the XXXX of each month. I set my account to auto-pay so I did not miss any payments. 

My account was then placed on administrative forbearance after my auto payment on XX/XX/XXXX, but I did not receive any communications about the forbearance until XX/XX/XXXX. I sent a message to MOHELA on XX/XX/XXXX to request information regarding the forbearance. I have still not received any reply to my message except for a message stating that they would respond within 15 business days on XX/XX/XXXX. In the email I received on XX/XX/XXXX from MOHELA, it stated that my account was placed in forbearance due to the billing statement for XX/XX/XXXX was not sent 21 days in advance and would be in forbearance through XX/XX/XXXX. 

Now, on XX/XX/XXXX, I have a payment due which is being processed through auto payment. However, I still have not received a billing statement even though my account was taken off of administrative forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: AR

Complaint narrative:
Discover Bank is denying XXXX XXXX  applicants with good credit, they are denying qualified applicants with zip codes ending in XXXX, Discover Card employee are providing false reasons to the CFPB in order to continue these acts of discrimination and also using fabricated documents to cover up these fraudulent denials, my credit disclosure report revealed a score XXXX which was due to good pay history however Discover disagreed. XXXX zip code is primarily XXXX XXXX  area of XXXX XXXX ar, which is the real reason for my denial. Discover employees are avoiding discussing this in writing or on the telephone. Intentionally denying credit to entire groups of people based on national origin or the area they live in is unlawful Under the Consumer Financial Protection Act, the CFPB has the authority to take action against institutions violating consumer financial protection laws, including the Equal Credit Opportunity Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: IL

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. 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 2024-01-04 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: NJ

Complaint narrative:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights!

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

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

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 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: IL

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 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: IL

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. 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 2024-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NY

Complaint narrative:
COLUMBIA DEBT RECOVERY has contacted me numerous of times about a debt I do not have with them for the last 4-6 months about a debt that isn't accurate. This company is in violation of maximum accuracy laws, 15 usc 1681 validate debt laws. This account is not mine I asked them to validate the debt and they couldnt not provide me with the original copy as I requested, which is in violation of code 15usc 1692 unfair practice. I would like them to remove this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: MO

Complaint narrative:
In accordance with the Fair Credit Act, the following companies : XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX Have violated my rights. 15 U.S.C 1681 section 602 A. states I have 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 consent.

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 2024-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
ONLINE INFORMATION SERVICES, violated my consumer rights to privacy, FDCPA and committed aggravated identity theft ( 18 USC 1028A ). ONLINE INFORMATION SERVICES obtained, possess, and used my Personally-identifiable financial information without my consent or legal authority. They are attempting to collect a debt that is not mine. This account is furnished on multiple of my credit reports as a negative item and it has affected me as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
IN ACCORDANCE WITH THE FCRA THIS CREDITOR XXXX XXXXXXXX HAVE VIOLATED MY RIGHTS UNDER : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISHAN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS.

LASTLY UNDER 15 USC 1666b A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT ON AN OPEN-ENDED CONSUMER CREDIT PLAN AS LATE.

Company response to consumer: Closed with non-monetary relief