vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-23 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: TX

Complaint narrative:
Re : Request for Removal of Unauthorized Inquiries and Account from Credit Report Dear EQUIFAX Consumer Assistance, I hope this letter finds you well. I am writing to bring to your attention a serious matter concerning unauthorized inquiries and the addition of an unauthorized account on my credit report. This breach of privacy has raised significant concerns regarding identity fraud and the violation of my rights under both Texas state laws and federal regulations. 

It has come to my attention that certain creditors have accessed my non-personal information without my consent. This blatant breach of privacy is not only unethical but may also constitute identity fraud, a matter of utmost concern. I am particularly troubled by the unauthorized addition of an account to my credit report, an action I did not authorize. 

Even in situations where a permissible purpose exists, it is essential to emphasize that the consent of the consumer is still required. I want to make it unequivocally clear that I did not provide consent for the creditors in question to access my personal information or add an account to my credit report. This violation of my privacy rights is unacceptable, and I demand immediate corrective action. 

To address this issue effectively, I kindly request the removal of all unauthorized inquiries and the associated account from my credit report. I believe that taking prompt action to rectify this situation is crucial not only for my financial well-being but also for upholding the principles of privacy and consumer protection. 

In accordance with Texas state laws, I would like to draw your attention to the following codes that pertain to the protection of consumer rights : Texas Finance Code, Title 3, Subtitle B, Chapter 392 Consumer Credit Commissioner Texas Business and Commerce Code, Title 1, Subtitle C, Chapter 35 Fraudulent Transfers Additionally, I urge you to consider the federal laws that support my case : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Fair and Accurate Credit Transactions Act ( FACTA ), 15 U.S.C. 1681m I expect that EQUIFAX, as a reputable credit bureau, will take swift and decisive action to rectify this breach of privacy. Your cooperation in this matter is crucial to maintaining the integrity of consumer credit reporting and protecting the rights of individuals. 

I anticipate a thorough investigation into this matter and request written confirmation of the removal of unauthorized inquiries and the associated account from my credit report within 30 days of receiving this letter. 

Thank you for your immediate attention to this matter. I trust that EQUIFAX will uphold its commitment to consumer rights and privacy. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 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: CO

Complaint narrative:
I called XXXX to dispute a fraudulent account on my credit report that I did not apply for. The first representative refused to help so I got transferred to a manager, the manager was also no help and when I requested what documents they had received, the representative hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I am not aware of where this came from. My data was leaked from XXXX XXXX ( they publicly acknowledged it ) and I am XXXX XXXX XXXX and my SSN is exposed to hundreds if not thousands of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Transunion is in violation of FCRA privacy laws, inaccurate and 7 year statue of limitations on my Consumer Files. XXXX XXXX XXXX XXXX accounts XXXX & XXXX have been illegally RE-AGED after Dispute XX/XX/year>. They also have taken over 30 days to resolve the issues.

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 2024-01-23 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: NY

Complaint narrative:
XXXX, transunion and XXXX fail for provide factual documents about these accounts : XXXX  XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Inquiries are : TransUnion -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. the credit bureaus TransUnion, XXXX and 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 2024-01-23 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: NY

Complaint narrative:
Equifax, XXXX and XXXX fail for provide factual documents about these accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. the credit bureaus XXXX, XXXX and Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
" I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) under complaint number XXXX concerning Columbia Debt Recovery, file number XXXX. The complaint pertains to a debt that Columbia Debt Recovery LLC, doing business as Genesis and located in XXXXXXXX XXXX, was attempting to collect, despite it being a debt I do not owe. I provided documentation in the complaint to substantiate that the debt had been paid. 
In response to the complaint, Columbia Debt Recovery stated, 'We are verifying this information with our client. ' After waiting for 30 days without receiving written confirmation from Columbia Debt Recovery LLC, I sent a letter to XXXX XXXX, the president of Columbia Debt Recovery LLC, dba Genesis, located in XXXXXXXX XXXX, requesting validation of the debt. The proof of delivery for this letter is attached to this complaint. 
As of today, I have not received any communication from Columbia Debt Recovery XXXX, XXXX Genesis, located in XXXXXXXX XXXX regarding the status of this debt. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Credit Karma, LLC
State: PA

Complaint narrative:
I have a spend account and savings account with credit karma. I decided to open a credit builder account which is supposed to help raise your credit scores. So far I have deposited {$60.00} into this account. I have seen no improvement so I wanted to close my Credit karma Builder account and get my {$60.00} back. I reached out to them on XXXX XXXX and have only received an automated email back. The account still shows as open and my {$60.00} is still in the account but not accessible to me. I wanted to keep the other two accounts open still -the savings account & spend account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, My name is XXXX XXXX XXXX XXXX my phone number is XXXX XXXX XXXX 

I am lodging a complaint against Experian. They are not reporting all credit cards and limits, and as a results their actions are severely affecting my credit score. 

Outstanding debit percentage, due to the fact they are not reporting a XXXX XXXX XXXX XXXX XXXX XXXX XXXX This has led to my Experian XXXX XXXX to drop XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  below my XXXX and XXXX scores which are both XXXX. It is my understanding that these scores should be within XXXX XXXX of each other. 
I have contacted Experian regarding regarding updating my address, and also this matter and they have not responded. 

These matters are critical to having great credit, I look forward to hearing from you with a resolution. 

Best Regards, 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 2024-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am not aware of where this came from. My data was leaked from XXXX XXXX ( they publicly acknowledged it ) and I am XXXX XXXX XXXX and my SSN is exposed to hundreds if not thousands of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
XXXX -Hard inq : XXXX XXXX ( Bank ) XX/XX/year> They have no record of me i also never requested a credit card and they cant find me in there system and would like to get removed ASAP. 

XXXX - Hard inq XXXX XXXX, XXXX XXXX They also have no record of me i also never requested a credit card and they cant find me in there system and would like to get removed ASAP. 

PUBLIC RECORD DISMSD/CLSD XXXXXXXX XXXX  XXXX No money is owed and nothing was finalize and was also got a dismiss later and was told it would be removed due to error

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 2024-01-23 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: Porania, LLC
State: NJ

Complaint narrative:
XXXX -Hard inq : XXXX XXXX ( Bank ) XX/XX/year> They have no record of me i also never requested a credit card and they cant find me in there system and would like to get removed ASAP. 

XXXX - Hard inq XXXX XXXX, XXXX XXXX They also have no record of me i also never requested a credit card and they cant find me in there system and would like to get removed ASAP. 

PUBLIC RECORD DISMSD/CLSD XXXX XXXX  XXXX No money is owed and nothing was finalize and was also got a dismiss later and was told it would be removed due to error

Company response to consumer: Untimely response
Consumer complaint received 2024-01-23 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: AZ

Complaint narrative:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a XXXX  for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, AZ, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, AZ, XXXX XXXX XXXX XXXX, XXXX XXXX, AZ, XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$10000.00} XXXX  XXXX XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$910.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1100.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/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 2024-01-23 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:
On XXXX XXXX XXXX the XXXX XXXX was called to find out when the paid in full account would reflect on my credit and they said it would but didnt give a time frame. 

It still shows that i owe money and it is a negitive effect on my credit. 

XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the 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 explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I sent a registered dispute letter to Experian. They responded and sent me back someone elses credit report. Now they are telling me they have no record of a dispute yet I have my registered mail receipt and the wrong credit report they mailed back to me that states Dispute Results. They have ignored my dispute and are clearly violating my rights.

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 2024-01-23 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: EdFinancial Services
State: KY

Complaint narrative:
I've made all of my payments due, before Covid and after the federal pause on direct loans. I've paid over double what the required payments were since the pause was lifted. Edfinancial has capitalized {$1800.00} of interest that never should have been there and I can't get anyone on the phone to understand it. I can't have capitalized interest when I've paid the full amount due and always on time. My current balance goes up every day when I log in even though I'm current and ahead of schedule. It is an amortizing loan with equal payments over 10-years. The amount due covers principal and interest. I requested a payment history over a month ago and never received it. I call again and they tell me it could be 30-days before they get to my case. They are not equipped to service these loans and it is costing me money. My next payment will be due before they can even look at this and correct it. They expect me to make payments on balances they incorrectly added to my loans. A 30-day turn around time for loan servicing is ridiculous and it should be criminal to administer these loans with no infrastructure to do so in an effective/efficient manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am SO DONE WITH YOUR BUREAU regarding the presence of inaccurate and fraudulent accounts on my credit report. I am certain that I do not owe these debts, and the circumstances surrounding these entries are deeply troubling. Despite updating my address with the creditors when I moved, the debtors quoted my old address when I contacted them. This discrepancy raises serious concerns about the accuracy of the information provided. I never received any notifications or correspondence regarding these debts, leaving me no time to dispute them. The impact of these fraudulent accounts on my credit report is not only financial but is also taking a toll on my mental, physical, and emotional well-being. I am distressed by the violation of federal laws, and I implore you to take immediate action in deleting these entries from ALL three credit reports. CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  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 non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: HI

Complaint narrative:
Made a new account at the bank and noticed a day after I couldnt log in and I called the back said it was on a hold

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: GUARANTEED RATE INC.
State: GA

Complaint narrative:
I closed on a mortgage with Guaranteed Rate 3 years ago and they wrote me a week ago stating I owe them over {$36000.00} dollars because they had to sell my mortgage at a loss because I changed jobs before I closed. They also disclosed my private information to co-workers after the closing because they did not confirm who they were communicating with and it wasn't HR. I sent them a notarized document showing I was on my job which was provided to me in confidentiality but they are going to contact my former employer anyway even after I emailed them and told them not to. They are continuing to harass me. They have been harassing me for 3 years. I am not responsible for their losses. I was employed in the same field of work for XXXX XXXX and have been current and on time with every mortgage payment. Their harassment continues and it's non stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to express my deep dissatisfaction with the fraudulent accounts currently on my credit report. Unauthorized and false information is affecting my credit history, jeopardizing my financial standing, and undermining my credibility. I request an immediate investigation and swift removal of these inaccuracies from my credit report. The presence of these entries is damaging my credit score and causing significant distressXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have attached supporting documentation proving the fraudulent nature of these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 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: NJ

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation