vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-19 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: IL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX PA XXXX XXXX XXXX XXXX [ Their Address ] [ City, State, Zip ] Re : Dispute of Debts To Whom It May Concern, I, XXXX XXXX XXXX, am writing to dispute two specific debts currently listed on my credit report. The first, reported by XXXX XXXX XXXX with a last report date of XX/XX/2024, concerns an open balance of {$510.00} related to XXXX of XXXX XXXX XXXX. The second, reported by XXXX XXXX XXXX with a last report date of XX/XX/2024, concerns an open balance of {$880.00} related to XXXX XXXX XXXX XXXX XXXX. 
As per my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 U.S.C. 1692e and 15 U.S.C. 1692g, I am disputing these debts and request validation. These statutes mandate accurate and honest communication about the debt and require you to provide a detailed validation notice. 
Furthermore, there seems to be a potential violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2, as my consent was not provided for accessing or reporting my credit information. This is particularly concerning regarding the debt from XXXX XXXX XXXX, where there is no clear permissible purpose under the FCRA for accessing my credit report. 
I also cite 15 U.S.C. 1692d and 1692f, which prohibit harassment, abuse, and the use of unfair or unconscionable means in debt collection. Given the remarks on my credit report about the XXXX XXXX XXXX debt being disputed and meeting FCRA requirements, it is imperative that these matters are handled with strict adherence to these laws. 
I request a prompt review of these debts and provision of evidence validating them. Should you fail to validate these debts, I expect their immediate removal from my credit reports and a written acknowledgment of this action. Non-compliance will leave me no option but to pursue further legal action. 
Thank you for your prompt attention to this matter. I await a timely and compliant response. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX has been reporting and billing me for loans and credit card repayment that, I, the Beneficiary allegedly owe. However me being the beneficiary it doesn't benefits me to repay. I am writing to address the matter of the debt associated with my account. I am the beneficiary of the XXXX XXXX Living Trust, and repaying this debt is not beneficial based on a careful consideration of various factors. Firstly, I would like to draw attention to the etymology of the word " repayment, '' which implies paying again. As a beneficiary of a living trust, it is my understanding that repaying an alleged debt would mean paying twice, which does not align with the equitable principles that govern trust relationships. Everything is a trust. How? Because everything is an agreement and if anything has my name on it thats a legal title of my estate. Now lets look at the word credit which means trust. Now lets look at the word report which means property. My credit report is my trust report which is my property and estate. Furthermore, the maxim of equity states that equity does not punish. Repaying an alleged debt, particularly one that may not be legally enforceable or valid, could be perceived as a form of punishment. Equity regards the beneficiary as the true owner, and the trustee is obligated to uphold their duties in settling the account. Considering the aforementioned principles, I kindly request the following actions : Account Review : I request a thorough review of the alleged debt associated with my account in light of the trust relationship and equitable considerations. Account Settlement : If the debt is found to be valid and legally enforceable, I request clear instructions on settling the account. As the beneficiary, I trust that the trustee will uphold their duties to settle the account. Removal from Credit Reporting Agencies : I request the immediate removal of any adverse reporting related to this alleged debt from credit reporting agencies, as it is not beneficial to the beneficiary 's interests. You're furnishing this information to the credit reporting agencies which makes you the trustee. If you're not the trustee then you're a stranger. Its three parts to a trust. Trustee, settlor, and beneficiary. If you're not the trustee then you need to hand me my property back. I appreciate your attention to this matter and look forward to a fair and equitable resolution. If there are any specific procedures or documentation required to facilitate this process, please provide them at your earliest convenience. Thank you for your understanding and cooperation.

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: GA

Complaint narrative:
I traveled with an XXXX XXXX  from XXXX. While on XXXX  my wallet was stolen, a report was made with the local authorities. I recently pulled a copy of my credit report and noticed accounts and inquiries I have not authorized or opened. I contacted the Credit Reports Agencies in XX/XX/2023 and alerted them of the unknown accounts and requested verification. Furnishing accounts to my profile without my written consent or knowledge is in violation of 15 USC 1681B. 
I thoroughly investigated the accounts with XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX and they are not mine. Furnishing accounts due to identity theft violates my consumer rights specifically 15 USC 1681c-2, I also noticed credit inquiries from creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have not made these request or am I familiar with the creditors.

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 2024-01-19 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: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Prosper Marketplace, Inc.
State: AZ

Complaint narrative:
I have reported them to the XXXX XXXX XXXX about XXXX times now. They are several months behind in reporting for my loan. They ONLY report when I file a XXXX  report and the last time they only reported to XXXX credit bureau and were at least XXXX months behind. I need all of my information updated immediately and reported on time monthly to every credit bureau as they are obligated to do. This has gone on for too long and is extremely poor business practices and Im sick of having to report them every month for any movement on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: VA

Complaint narrative:
XX/XX/2024 : XXXX ( MOHELA ), I was personally called about starting back my payment for my Student Loan that I am currently waiting for employment verification since XXXX and resubmitted at end of XXXX, during that time I am well over the required amount of payments of 120 for PSLF and should not have to pay any more money due to working in schools my entire working career. As we wait for that, the person From MOHELA called this morning, and explained that it was all on the department of education in terms of when the employment verification would happen. I understood that, but then she implied that we would not receive PSLF forgiveness unless we were current with the loan or paid back the now 2 months we have decided not to pay on the loan, based on the fact that forgiveness should have been resolved prior to payments resuming. As we have been lied to by these companies in the past and have lost over XXXX dollars it is hard for me to trust that in paying them, once my loan is forgiven which it will be, that magically I would somehow receive our money back. Hard to understand that once you are finished with a loan that you would somehow need to continue to pay on it after these multiple 90 day periods of waiting. Would love some help in making sure others are not lied too, and any help would be appreciated. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 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: CA

Complaint narrative:
I want to let you know about a problem with my credit report. There are mistakes in the information about some accounts ( XXXX XXXX XXXX XXXX Date opened XX/XX/year> Balance {$7000.00} ). Even though I tried to fix it with the creditors, the issue remains. I spoke to a representative, and they admitted there was an error. They said they would fix it, but I'm concerned it hasn't been updated yet. I hope you can help sort this out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: OK

Complaint narrative:
I made a purchase with my gift card on line. The company cancelled the order and sent, me an email showing that they had. Because I can't regfister an address with the card. 
Now it shows pending charge on my card and has for almost a week. They won ' ; t let me file a complaint on a pending charge.So there is nothing I can do, can't even contact the company. I will never buy a vanilla card again. This is the second problem I have had with them. Please helep me out on this. I am a XXXX XXXX  on a fixed income and need my money.. 
The card number is XXXX XXXX XXXX XXXX. XX/XX/year>. The company powersports has been very cooperative and had no problem making sure the order was cancelled and told me the funds would be put back on my card. The problem is with Vanilla gift card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have recently engaged in a dispute process with XXXX, XXXX, and Equifax concerning certain entries in my credit report. The basis for my dispute lies in the inaccurate reporting and non-compliance with the XXXX standards of the accounts in question. As you may be aware, the XXXX Compliance system, established collaboratively by XXXX, XXXX, Equifax, and XXXX, aims to ensure the precision of consumer credit reports. Regrettably, XXXX, Equifax, and XXXX have not adhered to these established guidelines. 

The rationale behind this dispute pertains to inaccurately reported accounts within my credit history. It has come to my attention that notably ; XXXX, XXXX, and Equifax adherence to the stipulations outlined in 15 U.S. Code 1681 ( b ) and 15 U.S. Code 1681 ( e ) ( b ) has not been fully observed. I have diligently attempted to rectify these inaccuracies with XXXX, XXXX, and Equifax 's assistance. Despite the evident misreporting of the accounts, XXXX, XXXX, and Equifax has chosen not to eliminate the adverse entries from my credit report. In support of my claim, I have appended documentation reflecting my communications with XXXX, XXXX, and Equifax, alongside compelling evidence substantiating the imperative removal of these negative accounts. 

I kindly request your appraisal of the furnished evidence, with the aim of facilitating the expeditious removal of the aforementioned negative items from my credit report. Your expertise in this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One has been reporting and billing me credit card repayment that, I, the Beneficiary allegedly owe. However me being the beneficiary it doesn't benefits me to repay. I am writing to address the matter of the debt associated with my account. I am the beneficiary of the XXXX XXXX Living Trust, and repaying this debt is not beneficial based on a careful consideration of various factors. Firstly, I would like to draw attention to the etymology of the word " repayment, '' which implies paying again. As a beneficiary of a living trust, it is my understanding that repaying an alleged debt would mean paying twice, which does not align with the equitable principles that govern trust relationships. Everything is a trust. How? Because everything is an agreement and if anything has my name on it thats a legal title of my estate. Now lets look at the word credit which means trust. Now lets look at the word report which means property. My credit report is my trust report which is my property and estate. Furthermore, the maxim of equity states that equity does not punish. Repaying an alleged debt, particularly one that may not be legally enforceable or valid, could be perceived as a form of punishment. Equity regards the beneficiary as the true owner, and the trustee is obligated to uphold their duties in settling the account. Considering the aforementioned principles, I kindly request the following actions : Account Review : I request a thorough review of the alleged debt associated with my account in light of the trust relationship and equitable considerations. Account Settlement : If the debt is found to be valid and legally enforceable, I request clear instructions on settling the account. As the beneficiary, I trust that the trustee will uphold their duties to settle the account. Removal from Credit Reporting Agencies : I request the immediate removal of any adverse reporting related to this alleged debt from credit reporting agencies, as it is not beneficial to the beneficiary 's interests. You're furnishing this information to the credit reporting agencies which makes you the trustee. If you're not the trustee then you're a stranger. Its three parts to a trust. Trustee, settlor, and beneficiary. If you're not the trustee then you need to hand me my property back. I appreciate your attention to this matter and look forward to a fair and equitable resolution. If there are any specific procedures or documentation required to facilitate this process, please provide them at your earliest convenience. Thank you for your understanding and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXXXXXX, {$300.00} A close account can not be state a past due XXXX  XXXX, {$180.00} Account # XXXX A close account can not be state as past due XXXX XXXX XXXX {$1400.00} Account # : XXXX A close account can not be state a past due XXXX, {$380.00} Account # : 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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXXXXXX, {$300.00} A close account can not be state a past due XXXX  XXXX, {$180.00} Account # XXXX A close account can not be state as past due XXXX XXXX XXXX {$1400.00} Account # : XXXX A close account can not be state a past due XXXX, {$380.00} Account # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: MO

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

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 2024-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: AL

Complaint narrative:
One Main Financial is a rip off! Constantly paying on the loan but it doesnt add up. The amount is always still the same. They over charge on interest!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Holloway Credit Solutions
State: CA

Complaint narrative:
HOLLOWAY CREDIT SOLUTIONS, XXXX XXXX XXXX XXXX XXXX, AL XXXX Ive asked this company in writing to stop calling me and they have continued to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
I don't remember the dates exactly but it was XXXX  sometime. Someone was making purchases using my card info and the company didn't want to tell me what the purchases were or where. Plus my card was locked the whole time so how they were able to use it doesn't make sense because even when I unlocked my card to take all my cash off ( {$450.00} ) my card wouldn't unlock and whoever was stealing my cash just kept taking it. When I explained it all to the rep, they couldn't do anything to help me. I was already living in a hotel room where I had to pay XXXX a week. Because I couldn't get my money off the card, my XXXX  XXXX and I had to live out of our car for weeks until I finally canceled the card before I was able to transfer and withdrawal. I'm glad something is finally being done about this because I felt like I was robbed and abandoned by the government tbh.

Company response to consumer: Closed with explanation