vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-20 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: FL

Complaint narrative:
I am writing to file a complaint regarding a violation of the Fair Credit Reporting Act ( FCRA ) by XXXX. I looked at my report on XX/XX/2024, and noticed some things are incomplete and inaccurate. According to the FCRA, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. The following accounts are not complete and accurate. 

[ XXXX XXXX ] [ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX ] [ XXXX XXXX  Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ] [ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX ] [ XXXX XXXX ] [ XXXX XXXX ] [ XXXX XXXXXXXX ] [ XXXX XXXX XXXX ] As a result of this violation , I have suffered financial loss and emotional distress. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure compliance with the FCRA. I also request XXXX be held liable for any damages and penalties as provided for under the FCRA. 

According to FCRA 15 U.S.C. 1681S-2 : 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. 

Check attachments provided

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 2024-03-20 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: CA

Complaint narrative:
I have autopay set up on Mohela. Ever since my payments started, I have been getting both a withdrawal notice and a notice after that my payments are delayed. I called Mohela customer service to see if they can tell me why I have an overdue balance and they were not able to resolve why. They said that they would tell accounting and that although they would work on the issue I may not be notified whether it is or isn't resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to you under the gravest concern regarding an unauthorized hard inquiry listed on my credit report. This inquiry has unjustly impacted my credit score and has severe implications for my financial stability and business operations. Despite my efforts to resolve this matter through communication with your team and intermediaries, the inquiry persists, leading me to escalate my concern through this formal complaint. 

The continued presence of this hard inquiry on my credit report is a clear violation of several consumer protection laws, including but not limited to : Fair Credit Reporting Act ( FCRA ), which mandates accurate and fair reporting of consumer credit information. Under the FCRA, consumers have the right to dispute inaccurate information and demand its correction or removal. The failure to promptly address and rectify the disputed inquiry contravenes my rights under this act. 
Fair and Accurate Credit Transactions Act ( FACTA ), an amendment to FCRA, which enhances consumer rights regarding credit information accuracy and privacy. FACTA provides consumers with additional tools to rectify inaccuracies on their credit reports.

Consumer Credit Protection Act ( CCPA ), which encompasses a suite of laws designed to ensure fair and accurate credit billing and credit reporting, among other consumer rights. The unauthorized inquiry infringes upon the principles set forth by the CCPA, as it directly affects my creditworthiness and access to credit.

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 2024-03-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
Mostly my debt came from helping my family members

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 2024-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I must inform you that it is unlawful to make baseless threats of legal action. Thus, I wish to express my strong intention to take formal legal steps against your organization. Despite my repeated requests for a thorough examination and correction of the erroneous data appearing on my credit report, you have persistently neglected to comply. It is my firm belief that you are obligated by law to investigate and rectify any inaccuracies upon receipt of a request, a duty which you have evidently disregarded in this instance such as not removing my negative items.rt. Despite my numerous attempts to address this issue with your organization, the inaccurate information has yet to be rectified. It is my understanding that as per legal guidelines, it is mandatory for you to investigate and correct any errors upon receiving a formal request, a responsibility which you have failed to fulfill in this instance. Furthermore, I have recently discovered a collection entry on my credit file from your agency, of which I had not been previously informed. I strongly believe that this debt is inaccurate and under the terms of the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request validation of this debt. Therefore, I am requesting that you provide me with documentation supporting the validity of the debt within a reasonable timeframe. Failure to provide the requested validation within the statutory timeframe will be interpreted as an admission that the debt is not valid and legally enforceable. Until such validation is provided, I insist that all collection activities cease forthwith, in strict compliance with the FDCPA. This encompasses all forms of communication with me or any third parties, credit reporting agencies, and legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: OH

Complaint narrative:
did not authorize these inquiries and strongly suspect foul play. I implore you to conduct a detailed investigation and promptly remove them 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 non-monetary relief
Consumer complaint received 2024-03-20 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
I recently checked my credit report and saw account reporting that I DO NOT recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: GA

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 


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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: OH

Complaint narrative:
I did not consent to these inquiries and have strong suspicions of fraudulence. I urge you to conduct a comprehensive investigation and expeditiously remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: IL

Complaint narrative:
Mohela is my current XXXX XXXX XXXX XXXX. I am currently eligible for the XXXX plan, and with my current income, qualify for a XXXX XXXX monthly payment with any interest accrued to be paid by the XXXX government. 

For the majority of my loans, this has been applied to my account correctly, however for one of them, it was not correctly applied, and they are attempting to collect a debt regarding it. 

I have reached out, been given confirmation that research was done and it should be corrected, and yet nothing has been resolved. Now, this is negatively impacting my credit report and interest is accruing on my loan. 

I am beyond disappointed in XXXX response and want a correct response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Initial Citibank credit card transaction on XX/XX/XXXX in the amount of {$4000.00} paid to XXXX company XXXX for a vacation deposit. 

On XX/XX/XXXX, I received an email from XXXX stating their company has cancelled my vacation. 

I contacted Citibank by phone on XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, and XX/XX/XXXX informing Citibank representative, supervisor and customer service manager that I would require a refund of the vacation deposit in the amount of {$4000.00} since goods and service ( in this case a vacation ) was not received by the merchant. The merchant cancelled my vacation without my request/permission. 

I have also written and mailed a letter to Citibank on XX/XX/XXXX and XX/XX/XXXX. Citibank states they are not able to help and suggested I contact a lawyer.

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 2024-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NJ

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. 
Account name : # XXXX XXXX XXXX XXXXXXXX has violated my rights. 
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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: GA

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.

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 


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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 


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 explanation
Consumer complaint received 2024-03-21 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 formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 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:
In XXXX XXXX 2023 I contacted all three credit bureaus regarding inaccurate information that was reflecting on my credit report from my XXXX XXXX. After speaking to supervisors from all three bureaus they assured me that the information would be removed. The information was temporarily removed. Months later the inaccurate information has been placed back on my credit profile. I have requested an explanation of verification via phone and XXXX mail on several occasions. According to the FCRA Act Section 611, I have the right to request an explanation of the verification method used by your company I am requesting a copy under the FACTA act, SEC 312 ( b ) and ( c ). I have given more than enough time for this situation to be resolved and will not wait another 60 days for a reply or an update to my credit profile. 

I am requesting that this erroneous information be removed from my credit profile immediately. 

As I am in the underwriting process this is causing a tremendous roadblock in my homebuying process. To date, I have not received a reply from either of the three credit bureaus and this account is still currently negatively impacting my score. I have made several attempts to rectify this issue with TransUnion, XXXX and XXXX and have yet to receive a response within a reasonable amount of time.

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 2024-03-21 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: FL

Complaint narrative:
In XXXX XXXX  2023 I contacted all three credit bureaus regarding inaccurate information that was reflecting on my credit report from my XXXX XXXX. After speaking to supervisors from all three bureaus they assured me that the information would be removed. The information was temporarily removed. Months later the inaccurate information has been placed back on my credit profile. I have requested an explanation of verification via phone and XXXX mail on several occasions. According to the FCRA Act Section 611, I have the right to request an explanation of the verification method used by your company I am requesting a copy under the FACTA act, SEC 312 ( b ) and ( c ). I have given more than enough time for this situation to be resolved and will not wait another 60 days for a reply or an update to my credit profile. 

I am requesting that this erroneous information be removed from my credit profile immediately. 

As I am in the underwriting process this is causing a tremendous roadblock in my homebuying process. To date, I have not received a reply from either of the three credit bureaus and this account is still currently negatively impacting my score. I have made several attempts to rectify this issue with XXXX, XXXX and Experian and have yet to receive a response within a reasonable amount of time.

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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Mailed letters on XX/XX/2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within XXXX  days. I therefore legally and lawfully refuse your " form letter '' thus giving you only XXXX  days not XXXX more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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