vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX never contacted me about payment owed for services provided on XX/XX/XXXX -- via mail, email, XXXX by XXXX, phone, or any other medium of communication. 

Instead, they had a debt collection agency, Penn Credit Corporation, mail debt collection to an address at which I did not live at, rather than the address I provided on the date of service on XX/XX/XXXX. 

The debt collection attempt was forwarded to me. I called Penn Credit Corporation on XX/XX/XXXX and agreed to a XXXX XXXX payment to resolve the debt. 

Since then, I've continued to be pestered by XXXX XXXX XXXX XXXX XXXX through different debt collectors, like XXXX XXXX XXXX, in an effort to collect the XXXX XXXX balance from XX/XX/XXXX that was agreed to be waived via Penn Credit Corporation. 

This includes mailings to the same incorrect address, despite my advising XXXX XXXX XXXX XXXX system various times of my new address. 

For XXXXXXXX XXXX, I've messaged and spoken with XXXX XXXX XXXX XXXX XXXX billing staff via XXXX by XXXX and customer phone support, to stop having my guarantor account, XXXX, have debt collection efforts applied for debt already paid. XXXX XXXX XXXX staff have refused to mark my debt as resolved. They've continued to have debt collection agencies reach out to me to attempt to collect debt that has been resolved. The debt has been presented in various ways, as shown in the attached, in efforts to confuse or pressure me to pay. 

The institutional and systematic power of XXXX XXXX XXXX XXXX XXXX and their debt collection partners has caused undue harm on my well-being, greater than the benefit of the services I received from XXXX XXXX XXXX XXXXXXXX XXXX XXXX I'm in a position of defending an agreement that Penn Credit Corporation and XXXX XXXX XXXX XXXX XXXX had no ethical intention of honoring, and being made to feel like I'm in the wrong by continuing to be pestered by debt collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: DC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-10-14 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Was told terms were XXXX  months. When card arrived it was only XXXX  months. I fought this and won. However, they started the due date XXXX months before the installation of the product I bought and XXXX months before they even sent me an invoice. Additionally they never sent me a card so I did not have the account number and basically hog tied until they finally just sent me a card today.

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 2024-10-14 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: AppFolio, Inc.
State: MI

Complaint narrative:
There was an Apartment Complex on my report as an eviction in XXXX that was paid in full. I was told by the Appfolio to contact XXXX XXXX XXXX which said they dont have my information in there system. This was paid. Ever since XXXX when I apply for housing this comes up as bad rental history which isnt true. I was sent letters from this company Appfolio that nothing is on my rental report so why am I continuing to be denied housing still 10 yrs later.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Collection Management LLC
State: NJ

Complaint narrative:
Debt listed on credit report is with an unfamiliar company ccmr3 for a joint acct debt. I do not have any business with ccmr3 nor have I ever opened a joint account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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:
Credit reports must have accurate information accross all 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 2024-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am formally addressing a serious issue regarding identity theft that has directly affected me. Recently, I discovered that some one open a Navy Federal bank account in my name without my authorization. This situation has caused significant distress and has raised serious concerns about my personal information being misused. 
I want to emphasize that I have never consented to the opening of these accounts, and I am deeply concerned about the impact this fraudulent activity has on my financial well-being and personal reputation. It is imperative that these accounts be removed immediately from my name to prevent any further complications or damage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: Lloyd & McDaniel, PLC
State: FL

Complaint narrative:
on XXXX of this year i received a letter from Lloyd & Mcdaniel who is a debt collector trying to collect on a XXXX  XXXX XXXX account ending in XXXX i immediately sent them a debt validation letter to show proof that the debt is valid. this was sent on XXXX of this year. it is now XX/XX/year> and they have not responded back to such request. therefore it is a violation of the fair debt collections practice act ( FDCPA ) therefore this account should permanently be removed from my credit report. 

i have contacted experian in regars to this matter and i have started multiple disputes with them. the account was previously removed from my credit report, and now its back on the report. 

by law they should also inform me on the re-insertion of a debt tp which they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: MD

Complaint narrative:
Hello my name is XXXX XXXX and this address below thats reporting on my credit report is fraudulent and needs to be immediately removed XXXX XXXX XXXX XXXX XXXX  XXXX This Address is a accurate up to date address that should be reporting on all my credit reports XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2024-10-14 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: MD

Complaint narrative:
Hello my name is XXXX XXXX and this address below thats reporting on my credit report is fraudulent and needs to be immediately removed XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX This Address is a accurate up to date address that should be reporting on all my credit reports XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Approximately a month ago someone broke into our checking account as well as our phones. There were numerous fraud charges from XXXX XXXX which were not our. We have never used XXXX XXXX. They also attempted to break into my email account. I called chase bank and filed a claim. The sums were reversed until today. It seems that XXXX XXXX filed a counter claim even through the address they showed to XXXX was not our address. XXXX sided with XXXX XXXX and now I'm going to be out {$1200.00} for someone else fraudulent charges. I want to press charges against Chase Bank and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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:
On XX/XX/year> I applied for a loan consolidation and re-submitted income verification to remain enrolled on the XXXXXXXX XXXX. I was enrolled in the XXXX XXXX, and made my last payment of {$860.00} on XX/XX/year> to XXXX. As a result of the consolidation, my loans were temporarily transferred to XXXX, then finally to MOHELA. When my loans were transferred to MOHELA my payment increased significantly to {$1900.00}. Prior to my XXXX payment being due, I contacted Mohela by email, which was not promptly responded to. About a week later, I called in, and placed on forebearance. However, I have now received notice that I have a payment due on XX/XX/year> for {$1900.00}. Nothing has changed about my income situation and it is my understanding that no payments should be due while XXXXXXXX XXXX is being finalized. I resubmitted a request to MOHELA to explain why my forebearance has ended when nothing has changed about my situation, and XXXX is still on hold due to XXXX XXXX. I would switch to another income driven plan while XXXX is pending but I do not trust MOHELA to handle this transition given their incompetence so far. I would pursue this or would like the forbearance due to the XXXX transition to be extended.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-10-14 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: CA

Complaint narrative:
To whom it may concern, I am deeply disappointed and angered by the violation of my consumer rights through the dissemination of inaccurate information. Fair treatment and adherence to the FCRA and Metro 2 standards are expected. Provide a verified document with evidence for each claim to preserve data integrity. 
The credit report I received is alarming, as it fails to meet accuracy standards. Uncertainty surrounds the reporting process and proper formatting, casting doubt on the credibility of the claims. Controversial claims lack independent verification, raising further concerns. 
I urgently request the removal of false accounts from my credit report to prevent future financial harm. My credit report is my lifeline, and I insist on factual accuracy, verification, and compliance. I did not receive a response from last letters i sent!! 

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT, IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 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: DC

Complaint narrative:
XXXX XXXX XXXX  [ XXXX ] Date : XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Request for Removal of Negative Accounts under the Debt Bondage Repair Act Dear Experian, I am writing to formally request the removal of negative accounts from my credit report in accordance with the Debt Bondage Repair Act. These accounts were reported incorrectly as they are the result of debt bondage or other unlawful acts. I have enclosed the necessary paperwork that verifies this claim, including [ mention any specific documents, such as police reports, court orders, or government-issued documentation supporting your claim ]. 
I ask that you review the attached documentation and take the necessary steps to remove the inaccurate information from my credit report immediately. I am currently homeless right now and have provided my passport for required identification. I understand that under the Debt Bondage Repair Act, you are required to remove or block any information associated with unlawful activity from my credit report. 
The following accounts should be removed : * [ XXXX XXXX XXXX XXXX XXXX [ XXXX ] [ XXXX XXXX XXXX ] [ XXXX ] Experian [ XXXX XXXX ] [ XXXX ] Experian [ XXXX XXXX ] - [ XXXX ] Experian [ XXXX XXXX XXXX XXXX [ XXXX ] Experian [ XXXX XXXX XXXX ] - [ XXXX ] experian [ XXXX ] - [ XXXX ] Experian [ XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX ] Experian [ XXXX XXXX XXXX XXXX XXXX [ XXXX ] Experian [ XXXX XXXX  XXXX XXXX XXXX [ XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX ] Experian [ XXXX XXXX XXXX XXXX XXXX [ XXXX ] Experian Inquiries to be removed XXXX XXXX  XXXX XXXX XXXX XXXX Experian ) XXXX XXXX XXXX  ( XXXX XXXX Experian XXXX XXXX ( XXXX ) Please confirm in writing once the negative information has been removed from my report. Additionally, if you require any further documentation or have questions regarding this matter, do not hesitate to contact me. 
I appreciate your prompt attention to this important issue and look forward to your swift response. 
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 2024-10-14 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: SC

Complaint narrative:
Under the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 

US Bankruptcy Court South Carolina Account # : XXXX, XXXX XXXX Account # : XXXX, XXXX Account # : XXXX, XXXX  Account # : XXXX, XXXX XXXX  XXXX Account # : XXXX, XXXX XXXX Account # : XXXX 15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate 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 2024-10-14 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: SC

Complaint narrative:
Under the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 

US Bankruptcy Court South Carolina Account # : XXXX, XXXX XXXX Account # : XXXX, XXXX Account # : XXXX, XXXX  Account # : XXXX, XXXX XXXX  XXXX Account # : XXXX, XXXX XXXX Account # : XXXX 15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate 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 non-monetary relief
Consumer complaint received 2024-10-14 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 looked at my report around back on XXXXXXXX XXXX and noticed something are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shell follow reasonable procedures to assure maximum possible accuracy concerning the individual about whom the report relates. This account, ( XXXX XXXXXXXX XXXX ) is not complete and is not accurate I sent a letter on XX/XX/2024 asking them to reinvestigate this account XXXX XXXX XXXX I got the investigation back and noticed nothing was modified or updated so I requested a description of the investigation and they did not provide it to me which is a violation of 15 USC1681i7

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 2024-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There are inaccuracies on my credit report under 15 USC 16c-2 due to unauthorized hard inquiries. Please remove them immediately.

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