vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY, XXXX XXXX XX/XX/XXXX Innovative Recovery XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Subject : Dispute of Collection Account XXXX To Whom It May Concern : I am writing to dispute the validity of the debt associated with account number XXXX, which you are collecting on behalf of XXXX XXXX. As this is a third-party collection, I request full validation of this debt, including the original contract bearing my signature and your authorization to collect this debt. 

My lease agreement indicates my rental period was from XX/XX/XXXX to XX/XX/XXXX. Charges listed in your records extend beyond this period, which contradicts the terms of my contract. Please provide : 1. Proof of the alleged debt, specifically the contract or instrument bearing my wet signature not typed in.

2. Evidence of your authorization to collect this debt.

3. Your authorization under 15 USC 1692 ( E ), 15 USC 1692 ( F ), and USC 1692 ( G ).

4. Theres no document with my real signature that shows I stayed in the apartment past the lease. 

Failure to provide this information within 10 days will result in my assumption that this debt is invalid. I will then request removal of this debt from my credit report with all major credit bureaus. 

Your continued reporting of this unverified debt violates the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, which has caused significant harm to my creditworthiness. I can not obtain housing or employment due to these inaccuracies. 

If this matter is not resolved promptly, I will pursue legal remedies, including filing complaints with the FTC, XXXX, AG, and CFPB, and potentially seeking damages for defamation and negligent enablement of identity fraud. 

I expect immediate cessation of any reporting on my consumer credit report. Please send written confirmation of your compliance with this demand. 

Thank you for your prompt attention to this matter. I look forward to resolving this issue swiftly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am a Capital One Venture X card member. A benefit of the card, of which there is a high annual fee, is access to the Capital One lounge. I often fly on standby, non-revenue, airline tickets as I am the XXXX XXXX XXXX XXXX XXXX XXXX. The lounges now are turning away and denying access to standby passengers. I pay for the credit card, so I should be getting access.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: CO

Complaint narrative:
To Whom it May Concern ; I am writing to file a complaint against Experian regarding inaccurate information on my credit report. Experian has failed to properly report my XXXX XXXX XXXXXXXX which was filed on XX/XX/year> and will be discharged on XX/XX/year>. Instead of correctly reflecting the accounts included in the bankruptcy as being discharged, Experian is reporting these accounts as charge-offs. 

Additionally, I disputed this inaccurate reporting with Experian, but they concluded that the reporting is accurate. This conclusion is incorrect and violates the Fair Credit Reporting Act ( FCRA ). The accounts in question were included in an active bankruptcy case, and it is not permissible for these accounts to be reported as charge-offs while the bankruptcy is active. 

I filed XXXX XXXX XXXX  on XX/XX/year>, my case number is XXXX. The accounts that are reflecting as late and charged off are from XXXX, even though prior to filing bankruptcy, these accounts were always paid on time and never late. The account numbers, taken from my Experian credit reports for these accounts are : XXXX XXXX XXXX XXXX I disputed the inaccuracies with Experian online on XX/XX/year>. I provided supporting documentation, including my bankruptcy case information, and a list of accounts included in the bankruptcy. On XX/XX/year> Experian concluded that the reporting was accurate, which is factually incorrect. Reporting these accounts as charge-offs during an active bankruptcy case violates FCRA requirements and undermines my credit report 's accuracy. 

I am requesting the CFPB 's assistance to ensure that Experian complies with the FCRA and accurately reflects my bankruptcy and the status of the accounts included in it. Specifically, I ask that Experian : 1. Update my credit report to show the correct bankruptcy status.

2. Remove the charge-off notations for all accounts included in the bankruptcy.

3. Provide written confirmation once the corrections are made.

I have attached copies of the following : - My bankruptcy notice Thank you for your attention to this issue. Please feel free to contact me if additional information is required. 

Sincerely, 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 2024-12-19 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: TX

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT 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 non-monetary relief
Consumer complaint received 2024-12-19 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: AR

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT 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 non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Card was lost on XX/XX/XXXX, reported it to the bank after this date and they denied my fraud claim in the amount of {$320.00}. Disputed the claim denial on XX/XX/XXXX and provided details showing that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on the date that these transactions happens hours away from where the transactions happened. I also stated in my statement how I was able to continue to use my card ONLINE BECAUSE IT WAS SAVED TO MY ONLINE ACCOUNTS and on XXXX XXXX XXXX XXXX XXXX XXXX. The bank continued to deny my fraud claim even though I showed them all the proof that I did not authorize the charges and my card was used without my consent from an unknown person that is not on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
I believe that i was a victim of XXXX separate instances with my student loan. 

First, I felt like I was being pressured and mislead into taking on a loan at such a young age not knowing exactly what i signed up for. I was promised to be helped in finding a job and told this was the best decision i would i make and it would pay itself off. Non of that happened, the education was sub par at best. 

Secondly, I feel i was a victim of XXXX XXXX tactics to steer me into forbearances when there were other options. Most of this happened at the beginning of XXXX  and throughout the following years. If i called them and was unable to make XXXX payment or a full payment, they would steer me into a forbearance without offering me any other options for months at a time. This has happened repeatedly while my loan was being serviced by them. 

I'm not sure what actions can be taken now but if you need any further information from me, feel reach to back out. 

Thank you for your help, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: SC

Complaint narrative:
I am writing to express my confusion and concern regarding the recent XXXX XXXX report, which inaccurately shows that I have paid off {$0.00} of my loan balance. As a participant in the XXXX XXXX XXXX XXXX ( XXXX ) program, I have made consistent payments over the years, and I am confident that I have qualified for at least XXXX payments, if not more. 

The current balance displayed does not reflect the substantial progress I have made toward repayment, and it does not accurately depict my true loan balance. As a result, this error is negatively impacting my credit score and presenting an inaccurate picture of my financial situation. This has been a source of ongoing stress, as it appears that I am over-extended with credit, when in fact, I am meeting my obligations through the XXXX program. 

I kindly request a thorough review and correction of my loan history to reflect the payments I have made under the XXXX program. The inaccurate information has been affecting my financial standing for years, and I would appreciate any assistance in resolving this matter promptly. 

Thank you for your attention to this issue, and I look forward to your 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 2024-12-19 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: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am submitting the necessary documentation and a letter from an advocacy group assisting me due to XXXX  XXXXXXXX XXXX XXXX, which qualifies as XXXX  under the XXXX XXXX XXXX  XXXX ( b ) ( XXXX ) XXXX and XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  and XXXX XXXX, and I request that all listed accounts be blocked and deleted. Please delete the following accounts from TransUnion : XXXX XXXX, XXXX. 
XXXX # : XXXX Balance : XXXX XXXX XXXX XXXX # : XXXX Balance : {$9200.00}

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 2024-12-19 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: GA

Complaint narrative:
I am reaching out for your assistance regarding an incorrect account reflected on my credit report. This issue has harmed my credibility as a customer, and I am requesting that these falsely reported accounts be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: NY

Complaint narrative:
I am promised accuracy on my consumer reports based on XXXX laws and there are more than XXXX errors also collections & charge offs. Company in question is ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ) I have disputed these items multiple times because of these errors its affecting my ability to obtain more and new credit because of damaging low credit scores which is insane because I am aware of my status of unlimited credit living as a private citizen and also status of a XXXX XXXX out all jurisdiction without prejudice. Below is a list of laws supporting my claims pertaining towards collections, charge off, privacy, misleading information, unauthorized permission, and many more All companies on my consumer reports are in violation of all these laws ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) There are so many Violations I can keep going just by looking at all these accounts. I'm going to attach copies of the many letters I sent out to the companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am promised accuracy on my consumer reports based on XXXX laws and there are more than XXXX errors also collections & charge offs. Company in question is ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX ) I have disputed these items multiple times because of these errors its affecting my ability to obtain more and new credit because of damaging low credit scores which is insane because I am aware of my status of unlimited credit living as a private citizen and also status of a XXXX XXXX out all jurisdiction without prejudice. Below is a list of laws supporting my claims pertaining towards collections, charge off, privacy, misleading information, unauthorized permission, and many more All companies on my consumer reports are in violation of all these laws ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) There are so many Violations I can keep going just by looking at all these accounts. I'm going to attach copies of the many letters I sent out to the companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
It had been more than 4 years since I requested for this to be moved and it is still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
It had been more than XXXX  years since I requested for this to be moved and it is still showing on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CORELOGIC INC
State: NY

Complaint narrative:
It had been more than XXXX  years since I requested for this to be moved and it is still showing on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I did not authorize these companies to run hard inquiries on my behalf. 

XXXX XXXX Capital One

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: NY

Complaint narrative:
Insane amount of FALSE DEROGATORY DEFAMATION XXXX still there after more than a year! 


The XXXX  at INNOVIS are XXXX! They are DELIBERATELY VIOLATING THE LAW! AGAIN AND AGAIN AND AGAIN! INTENTIONALLY VIOLATING THE LAW! SHOCKING! 


They know- yes- THEY KNOW- that the Laws say they they are supposed to remove false derogatory items within XXXX  month of that being reported- they know about those Laws- the XXXX  at INNOVIS have been deciding to deliberately violate those Laws! Outrageous! Terrible! Horrible! ABUSIVE! 

Sickening Shocking!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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:
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 non-monetary relief
Consumer complaint received 2024-12-19 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: Early Warning Services, LLC
State: FL

Complaint narrative:
XXXX XXXX, ( XXXX ), ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Early Warnings reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Address Update Request First and foremost, I demand that you immediately update my address to : XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX. ONLY! 
Contact Information Removal Remove all previous contact numbers associated with my account as I do not have a contact number at the moment. 

Email Update Remove ALL existing email addresses and update it to : XXXX ONLY! 
Negative Accounts Removal I am formally disputing and demanding the immediate removal of all negative accounts associated with my profile, specifically : XXXX XXXX  XXXX  ( Acct # : XXXX ) XXXX XXXX XXXX ( Acct # : XXXX ) XXXX XXXX ( Acct # : XXXX ) XXXX XXXX ( Acct # : XXXX ) XXXX XXXX ( Acct # : XXXX ) These accounts have not been reported in accordance with the FCRA, specifically under FCRA Sections 605 ( a ), 607 ( b ), and 623, which regulate the reporting and accuracy of negative information. As per my rights under FCRA 611 ( a ) ( 1 ), I request a thorough investigation into these accounts and their immediate removal if inaccuracies are found. 
Inquiry Removal Furthermore, I demand the removal of the following unauthorized inquiries from my XXXX report, based on my rights under FCRA 604 ( a ) ( 3 ) concerning unauthorized access to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The inquiries listed above were conducted without my authorization and violate my rights under the Fair Debt Collection Practices Act ( FDCPA ) 809 and FCRA 606.

These accounts listed above have resulted in several fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections and inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

Company response to consumer: Closed with explanation