vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-18 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: CO

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 XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: GA

Complaint narrative:
In XXXX, I enrolled in XXXX XXXX XXXX program while residing in XXXX XXXX, to pursue a degree in XXXX XXXX. However, the classes assigned to me were unrelated to my degree, and the university failed to provide the promised quality of education or career preparation. 

Despite my efforts to follow the program, XXXX XXXX  misrepresented its offerings and left me with significant student loan debt for an education that did not align with my academic or career goals. In addition, the abrupt closure of XXXX XXXX  left me unable to complete my degree or transfer credits. 

I request a review of these practices and resolution through loan discharge, correction of any negative credit reporting, and appropriate accountability for the institutions actions.

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 2024-11-18 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: GA

Complaint narrative:
In 2014, I enrolled in XXXX XXXX XXXX program while residing in XXXX, Wisconsin, to pursue a degree in Business Administration. However, the classes assigned to me were unrelated to my degree, and the university failed to provide the promised quality of education or career preparation. 

Despite my efforts to follow the program, XXXX XXXX  misrepresented its offerings and left me with significant student loan debt for an education that did not align with my academic or career goals. In addition, the abrupt closure of XXXX XXXX  left me unable to complete my degree or transfer credits. 

I request a review of these practices and resolution through loan discharge, correction of any negative credit reporting, and appropriate accountability for the institutions actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: GA

Complaint narrative:
In 2014, I enrolled in XXXX XXXX XXXX program while residing in XXXX, Wisconsin, to pursue a degree in Business Administration. However, the classes assigned to me were unrelated to my degree, and the university failed to provide the promised quality of education or career preparation. 

Despite my efforts to follow the program, XXXX XXXX  misrepresented its offerings and left me with significant student loan debt for an education that did not align with my academic or career goals. In addition, the abrupt closure of XXXX XXXX  left me unable to complete my degree or transfer credits. 

I request a review of these practices and resolution through loan discharge, correction of any negative credit reporting, and appropriate accountability for the institutions actions.

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 2024-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2024-11-18 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: DE

Complaint narrative:
I am filing this complaint against XXXX, XXXX, and Equifax regarding the reporting of an account associated with XXXX XXXX. The reporting of this account is inaccurate, misleading, and violates consumer protection laws. I am requesting the immediate deletion of this account from my credit reports for the following reasons : Disputed Ownership of the Account- There is significant uncertainty as to whether this account is even mine. I have not received proper validation from XXXX XXXX  or the credit reporting agencies, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ), which mandates accurate reporting of consumer accounts. 

Settlement Paid but Reporting Errors Persist- I paid a settlement amount for this account, and it was reported as " Account legally paid in full for less than full balance '' as of XX/XX/year>. Despite this, the account continues to reflect a " XXXX XXXX '' status with multiple late payments. This is a misleading and punitive representation of my credit profile, violating FCRA 15 U.S.C. 1681e ( b ), which requires the reporting of accurate and fair information.

Failure to File Form 1099-C - Axcess Financial/Check-n-Go has reported the account as a " Charge Off, '' indicating a loss to them. However, under IRS regulations, if a debt cancellation exceeds {$600.00}, a Form 1099-C must be filed with the IRS, as per IRS Instructions for Forms 1099-A and 1099-C. No such form was issued, suggesting the reporting of the charge-off is inaccurate and improperly documented.

Breach of Reporting Obligations - The failure to validate ownership of the account, combined with the absence of required tax documentation, constitutes a significant breach of consumer protection obligations. Under FCRA 15 U.S.C. 1681i ( a ), I have the right to dispute and have inaccurate or unverifiable information promptly corrected or deleted from my credit file.

Due to these breaches of the FCRA and reporting inaccuracies, I am requesting the immediate deletion of this account from my credit reports. The ongoing misrepresentation of this account on my credit profile is unjustified and continues to harm my financial standing. 

Thank you for your attention to this matter and for taking immediate corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: DE

Complaint narrative:
I am filing this complaint against Experian, XXXX, and XXXX regarding the reporting of an account associated with XXXX XXXX. The reporting of this account is inaccurate, misleading, and violates consumer protection laws. I am requesting the immediate deletion of this account from my credit reports for the following reasons : Disputed Ownership of the Account- There is significant uncertainty as to whether this account is even mine. I have not received proper validation from XXXXXXXX XXXX or the credit reporting agencies, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ), which mandates accurate reporting of consumer accounts. 

Settlement Paid but Reporting Errors Persist- I paid a settlement amount for this account, and it was reported as " Account legally paid in full for less than full balance '' as of XX/XX/year>. Despite this, the account continues to reflect a " XXXX XXXX '' status with multiple late payments. This is a misleading and punitive representation of my credit profile, violating FCRA 15 U.S.C. 1681e ( b ), which requires the reporting of accurate and fair information.

Failure to File Form 1099-C - Axcess Financial/Check-n-Go has reported the account as a " Charge Off, '' indicating a loss to them. However, under IRS regulations, if a debt cancellation exceeds {$600.00}, a Form 1099-C must be filed with the IRS, as per IRS Instructions
for Forms 1099-A and 1099-C. No such form was issued, suggesting the reporting of the charge-off is inaccurate and improperly documented.

Breach of Reporting Obligations - The failure to validate ownership of the account, combined with the absence of required tax documentation, constitutes a significant breach of consumer protection obligations. Under FCRA 15 U.S.C. 1681i ( a ), I have the right to dispute and have inaccurate or unverifiable information promptly corrected or deleted from my credit file.

Due to these breaches of the FCRA and reporting inaccuracies, I am requesting the immediate deletion of this account from my credit reports. The ongoing misrepresentation of this account on my credit profile is unjustified and continues to harm my financial standing. 

Thank you for your attention to this matter and for taking immediate corrective action.

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 2024-11-18 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:
l 've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-11-18 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:
l 've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: EQUIFAX, INC.
State: MD

Complaint narrative:
On Dates XXXX XXXX I have several fraudulent inquiries on my credit report from the following companies XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX Ca, XXXX, XXXX, XXXX, and XXXX XXXX respectively. I called XXXX and was told I had to file a complaint with the FTC before any further actions could be taken. I also have the following fraudulent accounts on my Equifax and XXXX accounts : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: MD

Complaint narrative:
On Dates XXXX XXXX I have several fraudulent inquiries on my credit report from the following companies XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX Ca, XXXX, XXXX, XXXX, and XXXX XXXX  respectively. I called XXXX and was told I had to file a complaint with the FTC before any further actions could be taken. I also have the following fraudulent accounts on my XXXX and XXXX accounts : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and 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 2024-11-18 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: IL

Complaint narrative:
Please block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts and have no knowledge of their origins. In compliance with USC 1681g, I request their removal within 15 days. Attached are the relevant documents for your review and reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: CT

Complaint narrative:
I acquired a copy of my credit report and I began to notice that there is an account that was sent to your collection agency to which I have no knowledge of having such information in the past at all. This is the reason why Im formally writing you this letter, so I could ask for proper Debt Validation of the said item.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: MD

Complaint narrative:
I have not received any response from the Bureaus even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. But unfortunaetly it has been over 30 days and no accounts was updated.

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 2024-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
On XX/XX/XXXX I received an email from Capital One saying my checking account was under review. I logged in and found that my account was restricted and I couldn't access my money. So I called the number that was shown only to be was told that Capital One decided to end their banking relationship with me. Despite that, my account was still open, just restricted so I couldn't accuses my money. They said they needed their team to finish the investigation. It's been over a week so I called back to try and get an update, but they have nothing, just telling me to keep waiting despite that fact that I have bills to pay and need the money desperately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: FL

Complaint narrative:
My account with was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: NJ

Complaint narrative:
I am writing to inform you that I have been a victim of a data breach that resulted in the unauthorized use of my personal information to open fraudulent accounts. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting that all fraudulent accounts associated with my identity be blocked and permanently deleted from my credit report. 
List of Fraudulent Accounts : XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1200.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1200.00}

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 2024-11-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MA XXXX Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To whom it may concern, I have recently pulled my credit report and notice their is a collection listing from your agency i have never been notified of this collection action or that I owed the debt. This letter is to inform you that I have the right to request a validation of this debt and you ability to collect this money from me. I ask that you prove that I am indeed the party who is a contractually bound to pay off this debit or stop collection activity, Pursuant of suing and remove all together. 

Please attach the copies of the following documents : Agreement that you have the authority to collect on this alleged debt. 
agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
complete payment history on this account, to prove that amount you wish to collect is correct. 
I hope your legal staff that noncompliance with this request will result in legal trouble for your company sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: NJ

Complaint narrative:
I had an auto accident and XXXX went after the other company to reimburse them. The subrogation was completed, they sent me my {$500.00} deductible. When my new insurance company quoted my rate for the coming policy is was {$280.00} higher because LexisNexis shows an outstanding balance of {$63.00} for rental reimbursement and {$440.00} for collision deductible. I have contacted XXXX claims handler numerous times and each time he says he will call me back later in the day and he never does. I've sent internal emails with no response. ( XX/XX/XXXX, XX/XX/XXXX ) Spoke with their subrogation dept and they told me claim was closed and that claims handler XXXX XXXX is who can resolve the problem. I have called and talked to him numerous times ( XX/XX/XXXX, XXXX XXXX ) He sent me an email that wasn't acceptable to my insurance company because it wasnt on letterhead. The office I dealt with originally sent an email that also wasn't acceptable because it showed amounts still unresolved. I have disputed with LexisNexis on XX/XX/XXXX. On XX/XX/XXXX XXXX sent me a letter stating they were submitting the claim to arbitration and that the results would be binding to both parties. XX/XX/XXXX I received my {$500.00} deductible.

Company response to consumer: Closed with explanation