vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-22 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: WY

Complaint narrative:
Credit card was fraudulently opened in my name with XXXX on XXXX. Initial dispute reported XXXX, reference # XXXX, when I was made aware of charge off. I was told that it would be resolved and removed from my credit report, was removed from transunion and XXXX but not XXXX. Filed another dispute with XXXX  and XXXX  XX/XX/2023, no communication from XXXX  and XXXX  dismissed my request. Filed identity theft report to federal trade commission XXXX, FTC report # 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 non-monetary relief
Consumer complaint received 2023-09-22 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: NJ

Complaint narrative:
THIS REMOVED INFORMATION MAY BE WRONG AND I DON'T WANT IT IN MY NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 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: NJ

Complaint narrative:
THIS REMOVED INFORMATION MAY BE WRONG AND I DON'T WANT IT IN MY NAME XXXX XXXX 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 2023-09-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Ive tried disputing the debts because the debts are not mines. They are coming back as verified when I also have an identity theft on all 3 of my credit bureaus. I have tried explaining that it is not mines but they always tell me to contact the other people that reported the debts.

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 2023-09-22 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 AM BEGGING TO REMOVE AND BLOCK THIS AS I HAVE CONSISTENTLY REQUESTED THIS FOR SEVERAL MONTHS AND ASKING FOR THIS TO BE UPDATED.IT 'S REALLY FRUSTRATING NOTHING 'S HAPPENING FROM WHAT I DISPUTED SINCE THEN

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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The credit bureaus are reporting my name and address incorrectly

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 2023-09-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
Ive tried disputing the debts because the debts are not mines. They are coming back as verified when I also have an identity theft on all 3 of my credit bureaus. I have tried explaining that it is not mines but they always tell me to contact the other people that reported the debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
On XXXX XXXX my husband received XXXX  at XXXX XXXX XXXX XXXX. We never received a bill from the XXXX XXXX until XXXX of 2023 and it was a statement from Mountain Land Collections with interest and fees added to the original amount due. We had never received a statement from XXXX and had no idea what this could be for as all providers had billed us and were paid in full in a timely manner. Their statement to us only listed a balance due and the interest due and EPIC being the assigner of the account. We contacted Mountain Land immediately and requested a copy of the original bill so we could verify its legitimacy and that it had been processed by our insurance company and that the charges were correct. We made arrangements to pay them {$200.00} a month due the XXXX of the month and requested a copy of the original bill. They sent us a copy of the same summary and not the original and told us we needed to sign a contract with our agreeing to pay all fees and interest. This had every appearance of a scam and made another request for an original statement. They served us papers on XXXX XXXX, XX/XX/2023 after we had made two- {$200.00} payments as agreed, XXXX and XXXX. We contacted them the very next day and asked why they had done this and was told it was because we hadn't signed the contract. We have made requests of both XXXX and Mountain Land to remove all interest and fees as we have complied with the terms of the payment plan and that we have been cooperative. When we finally received a copy of the original bill on XXXX, verified it, we sent a check for the remaining balance or the original bill. We have filed a complaint with XXXX XXXX XXXX as XXXX has a one star rating on XXXX with 109 reviews which cite similar experiences as ours. We have felt very bullied and have not had our emails returned from Mountain Land requesting removal of these unnecessary charges and an itemized statement from them as they keep adding charges to our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 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:
You are reporting inaccurate accounts on my credit report!! You must remove all of these accounts as soon as possible. This is not mine!! IM WORKING DAY AND NIGHT JUST TO HAVE THIS?? THIS IS UNACCEPTABLE!!

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 2023-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: AZ

Complaint narrative:
XX/XX/2023 - I called Global Lending Services to request my due date to be changed as their website states I can do. I was advised that since the statement has already been generated XX/XX/2023 I couldn't change the due date and I would have to make the payment that is due on XX/XX/2023 or I would be assessed a late fee of 5 % of the payment. Their website states a payment date change can be requested once per life of loan as long as first contractual payment minimum has been made, which I have furfilled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 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: LA

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2023-09-22 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: LA

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2023-09-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I have been trying to reach Nelnet about changing my repayment plan from a XXXX XXXX Plan to a XXXX XXXX Plan. I have tried to call on two separate occasions. The first time I was on hold for over 30 minutes and no one answered the phone. I then tried to email the request through the request form on their website. I have not yet received a confirmation email that they have even received my email. I then spent over 1 hour on hold today and again no one answered the phone. I do not have time to take off work and wait for an unknown amount of time for someone to respond to a phone call, and I would have expected someone to even acknowledge they have received my request via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Since XXXX, 2022 I have sent to MIDLAND CREDIT MANAGEMENT, a request to validate account # XXXX and show me proof of ownership. They have failed all this time to send the required documentation to prove that this account is mine. As per the DFCPA, MIDLAND CREDIT MANAGEMENT must prove that this acct is mine showing any existing contract or application signed by me with my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Sterling Infosystems Inc.
State: PA

Complaint narrative:
When the company does a 7 year back ground check on me the info that you all give is XXXX years old. I ask to speak to someone or please stop supplying information from XXXX. My phone # is XXXX my email is XXXX. would appreciate someone getting back to me. I do not authorize any information being given out by you ( sterling ) that goes past XXXX. My original charges that you report are from XXXX. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/XXXX ( Original complaint ) To Whom May Concern, Im writing in regard to 2 of my credit cards with Capital One. The Spark Business credit card accounts ending in # XXXX and Captial One Quick Silver ending in # XXXX. I recently pulled my credit report & it shows that these cards are not being reported to the following Credit Bureaus XXXX and XXXX. I spoke with both XXXX and XXXX to confirm, I was told that the accounts are not being report to them and to call Capital one to speak with them. Also, that they're the ones who have to send documents in order for the credit card to start reporting. XX/XX/XXXX is when I initially reported the problem, I was sent a letter on XX/XX/XXXX and XXXX. Theyre two different departments. The letter stating that the Spark Business Card is being reported, the other letters for the Quick silver stated they wanted me to send more information proving that its not being reported. I sent Capital One a full credit report providing them with highlight details showing nether one of the credit cards on the credit reports. I also have another 3rd credit card with Capital One a Quicksilver account I provided as well showing that account is being report, just to prove that the other 2 are not. So I received another letter on XX/XX/XXXX. Both letters stated the credit cards are being reported. I'm not sure where the confusion is coming from whether its Capital one not reporting or it's XXXX or XXXX, I have no clue what else to do. As I was not aware of this matter until recently getting my credit repaired. I have a account with XXXX  thats monitoring my credit & pulled my report from there website as well & neither one of those credit cards are showing. I have had these cards for some time now & this comes as a shock that making on time payments are not being accounted for toward my actual credit score. I hope this issue can be resolved quickly. Thank you! 

As of XX/XX/XXXX I recently received a copy of my credit report and the credit cards that I sent a complaint about are still not reporting to the credit bureau XXXX and XXXX. I was send a correspondence from Capital One stating within 60 days those accounts should be reporting. Ive been going back in forth with this issue for three months now. At this point Capital One still has not done their job because why is it taking this long Ive have these cards for years and Im not sure what occurred for them to stop reporting. I would like an explanation as to what need to happen next. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 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: LA

Complaint narrative:
This is my 5th attempt requesting the removal of inquiry that I did not authorize To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my ( name of the credit bureauXXXX Experian and/or XXXX ) credit report. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiries that I did not authorize. 15 usc 1681 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 an account without my written instructions. 

Unauthorized XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  and 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 non-monetary relief
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Card had XXXX balance and I was just going to cancel it but I didnt and I pay the fee of XXXX and they said it was late and sent a negative report to the credit bureau over {$1.00} so then I used the card and bought airline tickets, meanwhile they sent another negative report again, I spoke to several people over the phone about this to no avail, so I paid off the card and closed the account. I work hard to keep my credit score in excellent standing now my credit score has been downgraded over XXXX points. I just wanted them to right the wrong, this card had a XXXX limit I am shocked and very mad about this. 
Thank you 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 non-monetary relief
Consumer complaint received 2023-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/23, I called BOA XXXX XXXX and initiated the following XXXX fraud claims : # XXXX ( XXXX & XXXX ) # XXXX ( XXXX, XXXX & XXXX ) total {$3000.00}. 

Bank of America will not refund the monies. I sent it to a real estate imposter. I notified everyone immediately once I found out as explained in my email string below. Im sure a hold was placed by the other bank ( s ), enough time to refund my money. Also I asked numerous times for the investigators contact info and I informed I couldnt have it and a message was sent to contact me. I never was contacted at all!

I am XXXX with cognitive decline. You can see how many times recently Ive lost my debit card.

Since BOA will not refund my monies,

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 2023-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I am writing this letter in response to the derogatory reporting applied to my credit bureau report in XX/XX/2023 I am requesting this derogatory reporting be removed from my credit report for the following reasons. 

1. I did not receive any notice of the annual fee imposed on my account for this year. If I did get statements mailed, I have not seen them.

2. I have never been late on any credit account I have, including my other Barclays account. I have my payments on time every month more than 15 years.

3. The card number ending in XX/XX/2023 has not been used in many years. It has carried a XXXX balance for at least 4 years. 

The moment I came home and saw the letter from Barclays dated XX/XX/2023, I called and made payment immediately. I would never jeopardize my credit, especially for an annual fee. My credit scores and reports are my lifeline. The confirmation for payment is XXXX I understand the importance of accurate credit reporting and would have never let this bill pass had I seen the statement. If you review my credit reports you will see that all of my credit cards and accounts are in good standing.

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 2023-09-22 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: MS

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
So Bank of America has been committing a whole heap of fraud to their own customers which they keep having to pay back in fees to all the consumer reporting companies. I just want my money back which has been taken and stolen from me since XXXXXXXX XXXX in the amount of XXXX. Worst bank of all time who preys on minorities specifically XXXXXXXX XXXX. They never gave me a proper reason as to why they stole my money or given any indication as to why they have done so. Will be posting this all over social media because this is ridiculous, theyve kept my money XXXX for 3 years.

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 monetary relief