vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-12 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:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
XXXX XXXX sent me damaged goods, I showed the goods to another manufacture based in LA XXXX XXXX, who are the largest manufactures for this type of product in the US, and they confirmed the goods were not sewn properly and needed to be discarded. 

I sent the letter from XXXX XXXX XXXX bank of America, they denied the claim because the letter from XXXX XXXX wasn't on " Stationary '', as XXXX XXXX is a small business owned and employs minorities, he puts all his money back into his business and never saw the need to hire a graphic designer to make him stationary and yet Bank of America refused to accept this, and refused to listen to him because of this. 

In response to claim # XXXX that I previously filed with the CFPB about this, they responded by sending me an electronic message stating that they would be sending me a paper letter with an explanation as to why my claim was denied, and that if I want to find out earlier, I can call a number with an extension. 

I called the number, and extension, and left numerous messages, and never received a call back, neither did I ever receive a letter explaining the reason they denied my claim. 

I didn't follow through on this until now as this whole experience was just so upsetting and frustrating. 

Any help extended in this matter would be greatly appreciated. 

Thank you. 
XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX  Capital ONE XXXX XXXX XXXX, UT XXXX XXXX Re : Dispute of Late Payments on Credit Report - Violation of Connecticut Fair Credit Laws To Whom It May Concern, I am writing to dispute the late payments listed on my credit report that I believe are in violation of the Connecticut Fair Credit Reporting Act ( Conn. Gen. Stat. 36a-694 et seq ). I am deeply concerned about the accuracy and fairness of the information that has been reported on my consumer credit file. 
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX CT I have recently reviewed my credit report from your agency and discovered multiple late payments that have been reported by my creditors. However, I contend that these late payments are not accurate representations of my credit history and, therefore, should not be included on my consumer credit report. Specifically, the late payments in question are regarding transactions that, in my view, do not meet the criteria for inclusion in a credit report, as stipulated by the Connecticut Fair Credit Reporting Act. 
Under the Connecticut Fair Credit Reporting Act, certain transactions should not be reported on a consumer 's credit file. Late payments, in my understanding, should only be reported when they pertain to actual credit obligations or debts. In my case, the late payments in question do not correspond to any credit or loan obligations. These late payments are the result of transactions unrelated to credit agreements, such as fines, fees, or other non-credit-related charges. Therefore, they should not be included in my credit history, as they do not accurately reflect my creditworthiness. 
I kindly request that you investigate this matter and promptly remove these erroneous late payments from my credit report as per the Connecticut Fair Credit Reporting Act. I also request that you provide me with a revised copy of my credit report after the necessary corrections have been made. It is essential for me to maintain an accurate and fair credit history, as it impacts my financial well-being and opportunities for credit in the future. 
I understand that the Connecticut Fair Credit Reporting Act requires credit reporting agencies to complete their investigation and provide a written response within 30 days of receiving a dispute. I hope for a timely resolution to this matter. 
Thank you for your prompt attention to this dispute. I look forward to receiving a written response detailing the results of your investigation and any actions taken to correct my credit report. Please feel free to contact me if you require any further information or clarification regarding this dispute. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I received a copy of my consumer report and its reporting the two accounts that I previously disputed as verified. Im requesting validation pursuant to the FDCPA 15 U.S.C 1692g of these accounts in addition to providing a description of how you certify that the information was complete and accurate. If you can not provide me with factual evidence to support how the accounts below were verified as complete and accurate, you must delete them immediately. 

NAMES : XXXX, XXXX This name is unknown and does not belong to me. Please delete name and any accounts associated with this name. 


XXXX, XXXX This name is unknown and does not belong to me. Please delete name and any accounts associated with this name. 


XXXX, XXXX, XXXX  This name is unknown and does not belong to me. Please delete name and any accounts associated with this name. 

ADDRESSES : XXXX XXXX XXXX XXXX XXXX, NY XXXX this address is unknown. Please delete this address and any account associated with this address. 

XXXX XXXX XXXX XXXX XXXX, NY XXXX this address is unknown. Please delete this address and any account associated with this address. 

INQURIES : XXXX  XXXX XX/XX/XXXXXXXX  This is an unauthorized inquiry which is a direct violation of my consumer rights under 15 U.S.C section 604 ( a ) 2. Please delete these unauthorized inquiries from my consumer file. 

XXXX XXXX XX/XX/XXXXXXXX  This is an unauthorized inquiry which is a direct violation of my consumer rights under 15 U.S.C section 604 ( a ) 2. Please delete these unauthorized inquiries from my consumer file. 

XXXX XXXX XX/XX/XXXX This is an unauthorized inquiry which is a direct violation of my consumer rights under 15 U.S.C section 604 ( a ) 2. Please delete these unauthorized inquiries from my consumer file. 

XXXX XX/XX/XXXX This is an unauthorized inquiry which is a direct violation of my consumer rights under 15 U.S.C section 604 ( a ) 2. Please delete these unauthorized inquiries from my consumer file. 

XXXX XX/XX/XXXX This is an unauthorized inquiry which is a direct violation of my consumer rights under 15 U.S.C section 604 ( a ) 2. Please delete these unauthorized inquiries from my consumer file. 

XXXX XX/XX/XXXX This is an unauthorized inquiry which is a direct violation of my consumer rights under 15 U.S.C section 604 ( a ) 2. Please delete these unauthorized inquiries from my consumer file. 

COLLECTION : XXXXXXXX XXXX Please provide verifiable proof or delete this account for FCRA violation 15 U.S.C section 1681

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 2023-10-12 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: NJ

Complaint narrative:
I started my student loans in XXXX. I am currently in PSLF. I do not believe my count is correct. I have spoken to Moehla about 15-20 times regarding my loans since XXXX of this year. They have told me to contact Federal Student Aid to inquire about the discrepancies. Mohela has acknowledged to me that I am missing payments and the update to my account through IDR one time update. Last Friday, I spoke to a customer service operator, and he asked me questions about my account and said that he does see that I am missing payments. He assured me that it would be fixed by Tuesday of this week. I contacted Moehla again on Tuesday. My payments keep coming back to me, but my account and routing numbers have not changed in over ten years. I finally sent them a check through my bill pay because I will be late on payment soon. The customer service operator told me that the previous customer service operator could not of told me the truth about my account because they can't see before XXXX ( the year that I signed up on FSA and they consolated my loans ). I was told to contact FSA again, which I did, but the operator would not offer me any assistance. I feel like both companies/ organizations are telling me to contact each other, both not offering any correct assistance to me. I downloaded my data off of FSA and it did show that I have over 130 months in repayment and over 48 months of forbearance. Any help that you can offer would be much appreciated. Thank you..XXXX XXXXXXXX

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 2023-10-12 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: MI

Complaint narrative:
The primary information being reported are not correct such as the open date, date last activem date of payment history. These are all violations of the Fair Credit reporting Act, which is harming me from obtaining funding to buy a home for my family. 

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 USC 1681. 

XXXX XXXX, XXXX  XXXX, XXXX  XXXX, Sate of Mi XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency cannon furnish a account without my written instruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 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: MI

Complaint narrative:
The primary information being reported are not correct such as the open date, date last activem date of payment history. These are all violations of the Fair Credit reporting Act, which is harming me from obtaining funding to buy a home for my family. 

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 USC 1681. 

XXXX XXXX, XXXX  XXXX, XXXX  XXXX, Sate of Mi XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency cannon furnish a account without my written instruction.

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 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: T.S. Holdings
State: FL

Complaint narrative:
The 1st letter was sent on XX/XX/2023 and received on XX/XX/2023 XXXX Tracking # XXXX In the first letter I disputed and asked for validation and verification of the debt. 

The 2nd letter was sent on XX/XX/2023 and received on XX/XX/2023 XXXX Tracking # XXXX In the second letter I asked again for the validation and verification of the debt. 

The 3rd letter was sent on XX/XX/2023 In the third letter I asked once more for the validation and verification of the debt, it was not marked as disputed so I informed them that they violated a federal law. 

Tracking # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Accounts : XXXX XXXX XXXX # XXXX ( late payment ) -- XXXX XXXX XXXX XXXX # XXXX ( charge off ) -- {$2000.00} -- EXP UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: PA

Complaint narrative:
The credit reporting agency has failed to appropriately address my complaints about debt posted on my credit report. Ive filled numerous dispute that they do not resolve yet continue to post Unkown derogatory remarks and items with inadequate information that continues to impact my credit score. These items have been showing up on a monthly basis for almost 5 years now. Each time I file a dispute they never get back to me with substituting evidence to prove the claim and my association with the companies who are posting on my report. All three companies do not have a names, just the amounts Im said to owe. This is a gross misuse of my personal data and unfair reporting practices that both XXXX and XXXX are enabling in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 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: OR

Complaint narrative:
*** As Stated on my FTC - Identity Theft Report **** List of Fraudulent Inquiries on Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 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: TN

Complaint narrative:
Reporting several accounts, addresses, and hard inquires that are not mine.

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 2023-10-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
On XX/XX/2023 around XXXX XXXX  received a knock on the door from an assumed process server. The man handed me a fax copy letter with my service address and another address of an unknown party. I contacted XXXX & XXXX and was unaware of the process server. The debt collector information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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:
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.

has violated my rights. Or a list of inquiries : 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 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 2023-10-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: NJ

Complaint narrative:
I am sending this complaint because of this company XXXX XXXX they are putting false information in my credit report I guess a debit collector to over the debt and they are putting that this loan was opened 3 min ago witch is false information this was opened in XXXX an the amount listed is not correct and the dates are incorrect I asked for this debt collector company to send me proof that I even opened a loan with them 3 months ago I have not heard nothing back I ask for proof that this loan was signed by me on XX/XX/XXXX as they listed on my credit report witch is incorrect information I never signed anything with this company on XX/XX/XXXX and they have no proof stating or wet signature that I did this loan was open with this company back in XXXX and the debt collector NCA as they are listed on my credit report listed this as a new debt just opened and that not true I want this investigated and removed from my credit report because its false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Every month Bank of America charges me {$4.00} for a maintenance fee when I go under {$100.00} balance. I called customer service and asked why the date changed every month and why do they wait until I get closer to or under {$5.00} per month to assess this fee. I have never received an overdraft fee because I always cover my account, but I came close this time. The customer service rep told me the date is the same every month. Thats when I got upset over the phone. I said no, it varies and this time this fee put me in the negative. He said no it wasnt the service fee but my charges that out me under. I said no when I went to sleep the charger wasnt there but it is and it put me under. He said well thats what you signed up for XXXX. You knew exactly what the fee is for. I said well it sounds like youre reading your script and youre just trying to see if you can get me to pay overdraft fees. I told him he needs to work on his customer service skills because he had raised his voice at me. In my case, I am unfortunate, but if you look into it, I think you will find other customers who may be paying a lot of overdraft fees and Bank of America is targeting those of us who dont always have a cushion in our accounts..

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 2023-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
This debt belongs to someone who lives in North Carolina. In fact, a North Carolina address is now showing up on my credit report. I have never lived in North Carolina.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
My name is First name- XXXX / Middle Name- XXXX/ Last name- XXXX It should appear as XXXX XXXX or XXXX XXXX XXXX any other name is incorrect

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 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
My name is First name- XXXX / Middle Name- XXXX/ Last name- XXXX It should appear as XXXX XXXX or XXXX XXXX XXXX any other name is incorrect

Company response to consumer: Closed with non-monetary relief