vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harvard Collections, LLC
State: NY

Complaint narrative:
HARVARD COLLECTION IS REPORTING AN ACCOUNT ON MY CONSUMER REPORT. THIS ACCOUNT IS UNVERIFIED AND UKNOWN. IT IS SHOWING A BALANCE OF {$780.00}. THIS ACCOUNT IS IN VIOLATION OF THE FCRA AND THE FDCPA. SINCE THIS ACCOUNT IS STILL REPORTING TO MY CONSUMER REPORT " I WILL BE SEEKING FOR DAMAGES FOR EVERY MONTH THIS ACCOUNT HAS BEEN REPORTING ON MY CONSUMER REPORT UNDER THE FCRA '' ( Delete this account from my consumer report within 7 days, and send me my check for {$1000.00} within 2 weeks of this complaint. ) OR I WILL BE SEEKING FOR DAMAGES UNDER THE FDCPA FOR UP TO {$1000.00} PER VIOLATION. YOU HAVE 7 DAYS TO DELETE THIS ACCOUNT FROM REPORTING TO MY CONSUMER REPORT OR I WILL IMMEDIATLY BE FILING A LAWSUIT FOR DAMAGES. HARVARD COLLECTION WILL BE THE ONE HELD LIABLE AND FILED SUIT AGAINST BECAUSE YOU ARE THE ONE THAT IS REPORTING THIS ACCOUNT TO MY CONSUMER REPORT. AGAIN, IF THIS ACCOUNT IS NOT DELETED WITHIN " 7 DAYS FROM THE DATE THIS COMPLAINT '' IS MADE, ( XXXX ) I WILL HAVE TO TAKE LEGAL ACTION TO SEEK MY REMEDY FROM HARVARD COLLECTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Perfect credit for all my life. On XXXX XXXX 2024 XXXX hours Wells Fargo ATM stole my debit card. IU immediately reported it to XXXX ( supervisor ) No explanation given and waited 7 days to receive a replacement. This is the only anomaly that seems directly related to a notification from Wells Fargo and XXXX that my credit score dropped XXXX points. The score drop notification from WF App was on XXXX XXXX XXXX to XXXX, AZ branch manager to get an explanation why my score dropped and what negative conduct is affecting me? I explained that I need to know exactly what caused such an exponential drop in my score when I have never been late on payments, nor over drafting. Ordered XXXX credit reports from XXXX - XXXX - XXXX XXXX negative indicated. XXXX and XXXX scores were close to my average but XXXX was XXXX! 
XXXX and XXXX are XXXX. Contacted XXXX  and they couldn't understand what is negatively affecting my score, advised me to file a dispute which I did to XXXX with nothing negative on my report. They refuse to advise me what is negatively affecting my score or my most recent transactions. ( behavior ) I need to know what act was committed so I don't jeopardize my credit score in the future. Wells Fargo didn't even conduct an investigation and open and closed it same day with XXXX explanations. 
XXXX coincidentally conducted the investigation. Please advise me of what is negatively affecting my credit score.

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 2024-12-04 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX, XXXX - XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX & 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 2024-12-04 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: DC

Complaint narrative:
I am filing this complaint due to inaccuracies and non-compliant reporting on my credit file with Equifax. There are issues with both educational and credit accounts, including missing data, inconsistent reporting, and violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards. 

Specific Items in Dispute : XXXX. XXXX  XXXX Account Reported with missing, inconsistent, and incomplete data. 
Missing telephone number, activity date, and past due amount. 
Inconsistent reporting of account terms, payment status, and creditor remarks across different bureaus. 
XXXX XXXX XXXX XXXX  Account Reported with missing or inconsistent data. 
Missing data on last payment date, account status, and creditor remarks. 

Issues Identified : Inconsistent Reporting : Data is inconsistently reported across multiple credit bureaus, violating the 5th point of Metro 2 compliance. 
Unverified Data : Failure to provide substantiated proof of the debt, including itemized statements for the educational collection. 
Missing Data : Key data points such as the telephone number, activity date, and past due amount are missing, which affects the credibility of the reported data. 

Requested Resolution : 1. Immediate removal or correction of the disputed items related to XXXX XXXX and XXXX XXXX XXXX  accounts. 
2. Provide documentation verifying the accuracy and compliance of the reported data, including evidence of the itemized statement for any disputed educational collections.

3. Provide a full description of the investigation process and the procedure used to forward information to the creditor, as required by FCRA 611 ( a ) ( 7 ).

Impact : These inaccuracies have negatively affected my credit score, leading to credit denials and higher interest rates. 

I request a response within 15 days. If the disputed items are not corrected or the requested information is not provided, I will pursue further legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ga XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Subject XXXX Complaint Regarding Background Check and Job Offer Withdrawal To Whom It May Concern, I am writing to formally file a complaint regarding the handling of my application for the position of Grocery XXXX XXXX XXXXXXXX. On XX/XX/XXXX, at approximately XXXX XXXX, I was offered the position, pending a background check conducted by Sterling, XXXX chosen third-party service provider. 

On XX/XX/XXXX, I received notification that XXXX was rescinding the job offer based on the results of a 30-year background check. The stated reason for withdrawal was a misdemeanor charge from three decades ago. I believe this decision violates several legal and ethical standards, including : Fraudulent Misrepresentation of Position Salary : XXXX appears to have misclassified the position I applied for as one earning {$75000.00} or more annually to bypass the Fair Credit Reporting Act ( FCRA ) time restrictions. This position, as advertised and offered to me, does not meet that salary threshold. Under FCRA guidelines, background checks for positions earning less than {$75000.00} are restricted to 710 years. Conducting a 30-year background check for this role is unlawful.

Potential Violation of Title VII of the Civil Rights Act of 1964 : I believe that this decision may also constitute discrimination based on race and/or age. Such actions undermine equal employment opportunities and contravene federal law prohibiting discriminatory practices.

I respectfully request a thorough investigation into this matter, as well as an explanation of XXXX justification for this decision. Additionally, I am exploring my legal options, including filing for monetary damages for the distress and harm caused by this unjust treatment. 

Please contact me directly at XXXX XXXX or XXXX to discuss this matter further. I look forward to your prompt response and resolution. 

Thank you for your attention to this serious issue. 

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 2024-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
XX/XX/year> American Express has once again decreased my credit limit without any rhyme or reason which is in reprehensible and a grave unjust to my consumer rights. I have never had a missed payment, late payment and pay my balance off in full every month so the 2nd adverse action is a cause for litigation and relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-12-04 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: Kikoff Inc.
State: CA

Complaint narrative:
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
DEPT OF ED/ AIDVANTAGE, Dear Sir/ Madam, I am writing to formally demand that you Cease and Desist all communication with me regarding this alleged debt referenced under account # XXXX, in according with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ). Please note that any further contact from your agency, except for the purpose expressly allowed by law ( such as notification of legal action or final settlement ), will be considered a violation of federal law, and i will take all necessary legal action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: States Recovery Systems, Inc.
State: TX

Complaint narrative:
Account XXXX XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account XXXX ASAP off my credit report or 1 will take legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I received a letter from MOHELA that my loans were placed into forbearance and specifically said

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: OH

Complaint narrative:
AFFIDAVIT OF TRUTH State of Ohio I, XXXX XXXX XXXX, being of sound mind and legal age, do hereby swear under penalty of perjury that the following statements are true and correct to the best of my knowledge and belief : 1. Personal Information : My name is XXXX XXXX XXXX. I reside at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX and my Social Security Number is XXXX. I have lived at this address from XX/XX/XXXX. 

2. Credit Report Dispute : I am writing to dispute the accuracy of certain information that appears on my credit report, which was obtained from XXXX, XXXX XXXX Transunion XXXX XX/XX/XXXX. 

3. Inaccurate Information : The following items on my credit report are inaccurate or erroneous XXXX XXXX XXXX Account # XXXX Dispute Reason : Late Payment reported wrong on my report and its hurting my report. 

4. Supporting Documents : I have attached copies of the following documents to support my dispute : Pic of report of the account, SSN, ID I respectfully request that XXXX, XXXX, Transunion conduct an investigation into these matters and correct or remove the inaccurate information from my credit report as required by the Fair Credit Reporting Act ( FCRA ). 

6. Declaration : I declare under penalty of perjury under the laws of the State of Ohio that the foregoing is true

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 2024-12-04 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: OH

Complaint narrative:
AFFIDAVIT OF TRUTH State of Ohio I, XXXX XXXX XXXX, being of sound mind and legal age, do hereby swear under penalty of perjury that the following statements are true and correct to the best of my knowledge and belief : XXXX. Personal Information : My name is XXXX XXXX XXXX. I reside at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX and my Social Security Number is XXXX. I have lived at this address from XX/XX/XXXX. 

2. Credit Report Dispute : I am writing to dispute the accuracy of certain information that appears on my credit report, which was obtained from XXXX, Equifax XXXX XXXX XXXX XX/XX/XXXX. 

3. Inaccurate Information : The following items on my credit report are inaccurate or erroneouXXXX XXXX XXXX XXXX Account # XXXX Dispute Reason : Late Payment reported wrong on my report and its hurting my report. 

4. Supporting Documents : I have attached copies of the following documents to support my dispute : Pic of report of the account, SSN, ID I respectfully request that XXXX, Equifax, XXXX conduct an investigation into these matters and correct or remove the inaccurate information from my credit report as required by the Fair Credit Reporting Act ( FCRA ). 

6. Declaration : I declare under penalty of perjury under the laws of the State of Ohio that the foregoing is true

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2024-12-04 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: DC

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute inaccurate and incomplete reporting of certain accounts on my credit report, specifically regarding accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts contain data discrepancies, which violate the Fair Credit Reporting Act ( FCRA ) and the requirements for Metro 2 compliance.

Account ( s ) in Dispute : XXXX XXXX  XXXX Account ( XXXX ) ** Issues : Missing, inconsistent, or inaccurate data points. 
Incorrect Activity Date, Last Payment Date, and Past Due Amount across bureaus. 
Missing Data such as Reporters Identification Number and Street Address.

Creditor type inconsistencies across reporting agencies.

Resolution Requested : Removal of the disputed information or correction as per FCRA and Metro 2 standards. 
XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX ) ** Issues : Similar discrepancies as listed above, including incorrect reporting of the Date of Last Payment, Data Reporters Information, and Activity Date. 
Inconsistent account remarks ( closed due to inactivity vs. canceled by grantor ). 
Resolution Requested : Immediate removal or correction of the reported data. 

These inaccuracies are causing harm to my credit standing, leading to unfair rejections of credit applications and higher interest rates. I demand that TransUnion investigates these accounts and provides clear documentation verifying the accuracy of the data reported. 

Additionally, under FCRA 611 ( a ) ( 7 ), I request a description of the procedures used by TransUnion to provide information to the creditors involved in these disputes. Specifically : 1. What relevant data was forwarded to the creditor to support the claims.

2. What steps were taken to verify the accuracy of the reported late payments.

3. The exact method and type of proof used to validate these claims.

If no action is taken within 15 days to resolve these discrepancies, I will consider further legal action. 

Thank you for your attention to this matter.

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 2024-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Account Spring Oaks Capital LLC XXXX XXXX  I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account XXXX ASAP off my credit report or 1 will take legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: AR

Complaint narrative:
NOTICED A ACCOUNT THAT ISNT MINE THIS ACCOUNTS NEED TO BE REMOVED ASAP THESE ACCOUNT WASNT OPEN BY ME

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 2024-12-04 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief