vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
I received a collections from Credence Resource Management regarding an XXXX XXXX XXXX  account on my credit report. Account # XXXX associated with Address XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 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: IL

Complaint narrative:
It is utterly unfair to come across late payments on my account, especially given my unwavering history of timely payments. I demand the prompt correction of this error. I kindly implore you to swiftly rectify this situation and guarantee that my account accurately represents my history of punctual payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
When I became victim of identity theft it became a negative impact on my life and credit. Whoever stole my identity obtained credit in my name fraudulently.

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 2024-02-05 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: OR

Complaint narrative:
Mohela will not process my SAVE application! 

I applied for it on XX/XX/XXXX. 

On XX/XX/XXXX, I called because I received a bill for over {$600.00}, and they hadn't finished processing my application for the SAVE repayment plan. I called them, they put me on another administrative forbearance, and said my application should process within 10 business days after that. 

Today it is XX/XX/XXXX, and I just received another bill for {$640.00} that is due in XXXX, and they STILL have not processed my SAVE application! I tried to call them today and have been trying to get a hold of them for over 4 hours. I called and used the function for them to call me back instead of waiting on hold ; they called back and hung up immediately when I answered. I tried again, they called me back with a trainee on the line, and the trainee said she couldn't help me and placed me on hold for transfer. I waited on hold for 2 hours until my phone died ( there was no callback option this time ). 

They are also charging interest while I'm on the administrative forbearance. So the longer they take, the more money they make.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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:
I have an existing dispute with XXXX about XXXX late payments reported in my credit report. XXXX for some reason has decided to investigate the issue with the furnisher, which I do not understand what investigation they are trying to do about the late payments that are not supposed to be reported on any consumer report according to 15 USC 1681 2 a 1 that clearly says and quote, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. We all know a late payment is a transaction. Today XXXX I sent the XXXX consumer agencies a letter stating the law and to remove those XXXX late payments. I also sent a letter to XXXX XXXX regarding the same issue.

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 2024-02-05 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:
I have an existing dispute with Experian about XXXX late payments reported in my credit report. Experian for some reason has decided to investigate the issue with the furnisher, which I do not understand what investigation they are trying to do about the late payments that are not supposed to be reported on any consumer report according to 15 USC 1681 2 a 1 that clearly says and quote, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. We all know a late payment is a transaction. Today XXXX I sent the XXXX consumer agencies a letter stating the law and to remove those XXXX late payments. I also sent a letter to XXXX XXXX regarding the same issue.

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 2024-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion has failed to provide updates credit score in witch has bin the same score for over a year witch is not accurate

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 2024-02-05 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:
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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX  Account # XXXX Date Opened XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-02-05 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: FL

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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX # XXXX Date Opened XX/XX/XXXXXXXX  XXXX  Account # XXXX Date Opened XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-02-05 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:
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 an 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. The list of inquiries below should not be on my credit report : -XXXX XXXX XXXX XXXX, XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management
State: FL

Complaint narrative:
Fox Collection Center contacted me via mail in an attempt to collect alleged debts on XX/XX/23 and XX/XX/23. On XX/XX/23, I contacted Fox Collection Center requesting they provide validation of the alleged debts, pursuant to 15 USC 1692g of the FDCPA. Fox Collection Center failed to provide validation of such alleged debts within the requested time frame and is refusing to close the alleged accounts. I requested that the alleged accounts be closed on XX/XX/23, at which point I had still not received the validation of these alleged debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I am due an annual tax and interest statement for XXXX from Mr. Cooper mortgage company. The loan was sold to XXXX in XX/XX/XXXX, so Mr. Cooper owes me one month 's tax and interest in a XXXX  statement. Their website says that these would be mailed postal mail by XX/XX/XXXX. I have not received any statement from them. When I logged into my online account with Mr. Cooper the only tax years listed for statements end at XXXX. There is no way to contact Mr. Cooper about this from my online account and there is no customer service telephone number provided by Mr. Cooper for contact. Please get me my tax statement in time for this year 's tax filing!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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:
I have several items being reported to all XXXX credit bureaus, XXXX, Experian and XXXX that's causing severe damage to my credit. 

15 U.S.C 6508- I have the right to opt out on anything on my credit report.

15 U.S.C 6802-6805- obligation and disclosure of personal information 15 U.S.C 1681- permissible purpose ( remove all hard inquires ) * Any charge-offs on your credit report with a 3rd party debt collector means that the item is CHARGED-OFF.

*When your debt is sold over to a 3rd party debt collector, it is then considered as a certificate of indebtedness. which goes along with the 1099c which is now considered as income and INCOME CAN NOT BE REPORTED TO YOUR CREDIT REPORT. 

I have addresses on my credit report that are NON- MAILABLE XXXX told me that that would remove them as well as XXXX XXXX but Experian is refusing to remove the addresses and refusing to tell me where they got the address from, but they are making reports to my credit which is in violation of my rights under the Privacy Act of 1974. 

Items being reported to each credit bureau that I am opting out of, and need removed : 1.Dept. of EdXXXX XXXX ( 3rd party ) - reporting {$1100.00}, {$460.00}, {$1500.00} and {$4800.00} all XXXX items were discharged and are still being reported to all XXXX credit bureaus. 

XXXX XXXX sold over to a third party ( XXXX XXXX XXXX XXXX XXXX still reporting {$610.00} to all XXXX credit bureaus. 

XXXX XXXX XXXX sold over to a 3rd party ( XXXX XXXX XXXX XXXX XXXX still reporting {$540.00} to XXXX and XXXX XXXX 

XXXX. XXXX XXXX XXXX {$1100.00} charged off ( removed from XXXX but still being reported to XXXX and Experian ) XXXX. XXXX XXXX sold over to a 3rd party ( XXXX XXXX XXXX XXXX - {$1000.00} charged off still being reported to XXXX and Experian. 

XXXX debt was discharged, the contract was falsifying information and null, and void due to XXXX never sending over my paperwork to my lien holder which was XXXX XXXX and the company also paid my car off through my SOCIAL SECURITY, got my lien release paperwork, and has been selling my title and was still taking money from my account for over 2 years. They are still calling me harassing me for a payment for a vehicle that is paid off and also had my vehicle reposed and auctioned. Still being reported to all XXXX credit bureaus. 

XXXX. XXXX XXXX-sold over to a 3rd party ( XXXX XXXX XXXX ) {$1000.00} still being reported to all XXXX credit bureaus.

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 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
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 2024-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
Sent verification request to this company on XX/XX/XXXX. Still have not received verification of the debt. I called in with my financial advisor to get more information why they have not responded and to identify the debt that is unknow on XX/XX/XXXX. This business refuses to respond to my request. I have no knowledge of this debt. Collection agency would not provide me details about the debt and told me I need to dispute directly with the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: MI

Complaint narrative:
All throughout XX/XX/year>, I've been disputing incorrect information that appears on my credit reports from all 3 credit bureaus. Ive also tried disputing with the actual collection agency in which the invalid information rests, who goes by XXXX XXXX XXXX XXXX on two reports, yet XXXX XXXX XXXX on another. The amounts I am disputing are {$1600.00} and {$4900.00}. Two different amounts, under the same company, yet two different negative impacts. Both amounts which are incorrect, as well as the dates of opened. Hopefully the attached documents provides a clearer understanding. After disputing through the bureaus, the information was not deleted. I then contacted the collection agency, genesis, directly. After providing numerous emails and statements, the representative agreed in my favor that the amounts should be removed within 2 weeks and to call back in two weeks to confirm. Today XX/XX/year>, it has been two weeks so as directed, I contacted the agency, spoke with the same representative, who then directed me to call back in another week as he was busy right now and could not talk at the moment. The run around is frustrating, the debt collection company seems very sketchy, and this incorrect information on my report is a burden and preventing me from purchasing a home of any kind.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I reviewed my consumer reports and noticed that i had XXXX late payments on XXXX accounts ( XXXX, XXXX XXXX XXXX ) that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 explanation
Consumer complaint received 2024-02-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/year> I filed a complaint with the Cfpb on the company XXXX XXXX XXXX reporting inaccurately and not giving me proper due process on my credit reporting rights.The company responded on XX/XX/year> saying that they did a proper investigation report but to fix the problem and resolve the issue, they would delete the tradeline from the credit bureaus as a result! Nothing has changed on my reports and I still have inactivation being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I had been with Capital One for several years and always had slight discrepancies on amounts being different and purchases -- I would have to cancel cards and then it would happen again on new cards.. Recently I have lost $ XXXX in purchases NOT MADE OR AUTHORIZED BY ME PUTTING MY DEBIT ACCOUNT IN THE CREDIT. 

Capital One refused to do anything -- will not even investigate -- I have contacted OCC and filed a Police Report. The Police told me to call Capital One and have my accounts frozen -- THEY REFUSED TO FREEZE ACCOUNTS. 

I am with another bank but I fear they are still charging -- today I got notice of a 12 pc. furniture being delivered to Arizonia ( I AM IN MASSACHUSETTS AND OBVIOUSLY DID NOT DO THIS ) i do not know how to stop them. Both my debit and credit statements are loaded with purchase that are fraudulent -- they will not freeze my accounts. So far I have had $ XXXX stolen and I fear for my good credit. PLEASE HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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:
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