vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-30 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 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: CA

Complaint narrative:
This complaint that I am writing/sending is absolute and certain. I am extremely frustrated on the errors being reported on my credit, I can not ignore these any longer as it has been affecting all aspects of my life negatively in ways you can not imagine. I am not getting approved new credit because of this errors and it's stopping me from having financial freedom and stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 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: AL

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, Account name : XXXX XXXX XXXX Account # XXXX and Account name : XXXX XXXX XXXX Account # XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate, and according to the fair credit reporting act 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 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notity the furnisher of that that the information has been modified or deleted from the file of the consumer.

In accordance to 15 USC 1681s-2 they are suppose to 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 2024-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV FUNDING account number XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/year>, charged off the debt and sold me to XXXXXXXX XXXX credit report reflects it's an Open account Thats wrong. Its still reporting on my credit report. per section XXXX XXXX XXXX ' validation Notice I didn't receive a validation letter with my signature validating the debt, furthermore ; XXXX passed a law allowing consumers to request collection removal from their credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I completed and submitted XXXX XXXX XXXX XXXX. The application was denied with a generic explanation. 
I disputed the explanation as it was without sufficient reasoning. I re-submitted additional documents to back up my request on XX/XX/XXXX. With no response as todays date I reached out to Navient customer of advocate, gave them details and was told they had no response at this time and was still looking into this. Several weeks have passed with no response. 


I am challenging the loan as the school ( XXXX ) was found to be a predatory school. The loan is thru Navient ( private loan ). 

I am contesting the loan based on 'Holder Rule ' The Federal Trade Commissions 1976 rule concerning the Preservation of Consumers Claims and Defenses ( or Holder Rule ) ensures that consumers are not held to a loan or credit obligation related to the purchase of goods or services that they did not actually receive as promised. Under the Rule, schools and colleges under the FTCs jurisdiction can not accept the proceeds of a student loan unless the loan contract contains a specific term that allows the student to raise school misconduct as a defense to repayment of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter is a request of the steps that your company took when investigating the disputed item. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 
Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

ACCOUNT : 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 2024-07-30 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: CA

Complaint narrative:
This letter is a request of the steps that your company took when investigating the disputed item. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 
Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

ACCOUNT : 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 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX ( XX/XX/year> ) Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: TX

Complaint narrative:
I was wondering why my credit applications are getting denied, to my surprise my credit report has a lot of errors, false and erroneous information. This has caused unimaginable stress and really took a toll on my mental health due to this inaccurate information 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 non-monetary relief
Consumer complaint received 2024-07-30 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: TX

Complaint narrative:
I was wondering why my credit applications are getting denied, to my surprise my credit report has a lot of errors, false and erroneous information. This has caused unimaginable stress and really took a toll on my mental health due to this inaccurate information 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 2024-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
I am a senior citizen living in the state of XXXX  and on XX/XX/year> my bank that monitors my credit notified me that a company called Eastern Account Syst accessed my credit bureau and put derogatory statements on my credit file. This company broke federal law and CFPB requirements because they never contacted by any of the 4 ways the CFPB requires. 
I have no idea who they are and the company they say they represent I have no balances with. This company illegally accessed my credit burea. 

I am asking that the CFPB demand that they remove the derogatory remarks they put on my credit and also I ask that Eastern Account Syst be fined and penalized for illegally accessing my credit without ever contacting me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: VELO LAW OFFICE
State: SD

Complaint narrative:
XX/XX/year>2024 Velo law got a garnishment order from XXXX XXXX XXXX XXXX in XXXX XXXX Michigan To collect on a XXXX XXXX XXXX debt I was never notified of a court date so they win by default As I am never served it a violation of my right to due process also they charge 100 % interes so if They collected thousands against a job I had again going to court without notifying me I had a court date they never deducted the amount paid off they leave the amount the same I lost my job a year later they went to court again And the total which apparently started at {$5000.00} Is now over {$11000.00} the charge interest daily on this medical debt so it can never be paid off no matter how much you pay and what ever they take out of your check the interest equals what you paid so you can pay it off

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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: WI

Complaint narrative:
THESE ARE NOT MINE, I DO NOT CONSENT TO AUTHORIZED NOR BENEFIT FROM ANY OF THESE.

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 2024-07-30 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: Maximus Federal Services, Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  USA
XXXXXXXXXXXX XXXX-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: FL

Complaint narrative:
since XXXX i have been trying to get the bureaus to remove these fraud accounts. Please.I explained that my ex husband used my name to open up accounts under my name without my knowledege, but they refuse to remove the fraud accounts I need help

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 2024-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/year>, I logged on to my joint account to mobile deposit a check. I saw the balance on my account had dramatically decreased since my previous log in. I discovered multiple maximum allowed XXXX transfers in a short period of time in the month of XX/XX/year>. I had no knowledge of these transfers and had not received any notification through text or email regarding them. Since this is a joint account, I consulted with my husband to see if he had any knowledge of these transfers. My husband was not enrolled in XXXX, and he had no knowledge of the named XXXX recipient or the transfers. I immediately called and notified Wells Fargo of the unauthorized XXXX 's and asked to speak to the Fraud team. Since XX/XX/XXXX was a weekend the Wells Fargo rep XXXX, took my complaint and stated that the Fraud team was not open until Monday at XXXXXXXX XXXX EST. XXXX gave me the direct number. I also asked for my account to be closed due to the fraudulent activity and a new account number be assigned to us and this was done. I took the telephone number for the fraud department and on Monday morning, XX/XX/XXXX, shortly after XXXX XXXX  I filed our complaint with the Fraud Team. XX/XX/year>, at approximately XXXX XXXX, my husband and I went into our local Wells Fargo and asked to speak to a banker that works there. She was busy with appointments, and we were told she would call us to schedule an appointment later that day. We notified her of the urgency of the matter while we were there, by letting her know there were unauthorized XXXX 's on our joint bank account. At approximately XXXX XXXX  on XX/XX/XXXX we still had not heard from her for an appointment, so my husband called the bank and asked again to schedule an appointment with her. He was able to schedule a XXXXXXXX XXXX appointment with her Tuesday XX/XX/year>. We sat down with the banker and she discovered even more XXXX transfers then what we had seen adding up XXXX. She also discovered that there was a separate account in only my husband 's name and that it had an email and telephone number that does not belong to him and that the XXXX transfers had gone to that separate account. She then asked my husband to log into the Wells Fargo Mobile App. This was the first time my husband had ever used the app. On the app there were notifications of the unauthorized XXXX transfers. This is why we had not seen them as they did not show on the joint account and the email and telephone number were not ours attached to this separate account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-31 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: AZ

Complaint narrative:
Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 1. 15 U.S. CODE 1692XXXX - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX NA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX NA Date of inquiry : XX/XX/XXXX Please remove it from 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 2024-07-30 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC.
State: KY

Complaint narrative:
I filed a complaint with Santander Consumer USA through the XX/XX/XXXX on XX/XX/year> because they did not send me a copy of the original contract like I asked the first time. They did eventually send the contract over through the XX/XX/XXXXhowever, according to the contract, the original creditor is not Santander Consumer USA. I asked Santander Consumer USA to send over the disclosure notices from the original creditor that gives them permission to share my personal information with third parties, they failed to do so. If they cant provide proof that they have permission to have my personal information from the financial institution they need to remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: PA

Complaint narrative:
PLEASE BLOCK AND REMOVE I urge you to swiftly remove these fraudulent accounts from my credit report. I did not initiate or authorize them, and it is unfair for me to be held accountable. Please take prompt action to rectify this mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I had a trust account in XXXX  XXXX  some how my XXXX tex return was deposited in that account the amount of {$7100.00} is was a wrong deposit so the bank locked my account and then Supposedly sent back the money to the irs was thay never got back the money I was in contact with irs filed a complaint the answer was that the money was never returned I know you will as y I'm just now filling a complaint a this is because I did know about filling a complaint a friend of mine that had a similar problem with capital one told me about filling a XXXX complaint I'm still hopping to get my money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
Go notified that this debt collector Credence Resource Management placed a collection on my XXXX Credit Report. I never received any notice from them. 

They have average score of XXXX on XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX and Experian are refusing to remove fraud accounts and information off of my report after providing police reports and FTC reports.

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 2024-07-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maury Cobb, Attorney at Law, LLC
State: IL

Complaint narrative:
Maury Cobb attorney at law sent me a letter trying to collect a debt that I do not owe this is not my Debt and wanting too put this on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation