vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 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: LA

Complaint narrative:
I am writing to formally request the deletion and blocking of specific accounts from my credit report. I have recently discovered that I am a victim of a data breach, and I am requesting that the following accounts be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The affected accounts are : XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$120.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  {$160.00} XXXX. UNAUTHORIZED COLLECTION XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  {$1800.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00}

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 2024-12-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Figure Technologies, Inc
State: OH

Complaint narrative:
On XX/XX/scrub>XXXX  I tried to apply for a HELOC through Figure Lending LLC. I applied here after a XXXX search for 'HELOC for self employed '. Figure claims to be a self employed friendly lender. During the process, I was asked to link accounts, XXXX account linked, but the other is having issues. On XX/XX/year>XXXX  I called XXXX and was advised by a rep that their product doesn't work for a lot of self employed. Basically the rep was discharging me from moving forward since I'm self employed. I offered to provide XXXX weeks of paystubs and was told I could not do that. I believe that Figure Lending LLC is denying HELOC applications through the illegal use of discouragement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Coast to Coast Financial Solutions, Inc.
State: MN

Complaint narrative:
I had cancelled service in writing via e-mail. The company refused to accept it and told me I can only cancel over the phone which is not legal. They have received notice I wished to discontinue services with them. Adding to that I asked for evidence of services provided related to picking up trash. They never provided it, likely because it never happened. Unscrupulously business practices and trying to charge me for services that I had cancelled in writing not to mention they didn't even provide a service they are trying to bill for.

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 2024-12-17 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-12-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I am writing to formally address unresolved issues regarding my XXXX  account, which I have been attempting to resolve through XXXX  Complaint # XXXX. I now face further confusion and interference that require urgent investigation and resolution. I would like to request the review and combination of my previous complaint with this new matter to ensure a comprehensive solution. 

Details of the Current Issue While attempting to resolve the prior complaint, I have become aware that the account in question involves a XXXX XXXX XXXX  rather than XXXX. The account has been reported as follows : XXXX XXXX : XXXX XXXX XXXX. 
Collection Agency : Credence Resource Management Address : XXXX, TX XXXX Account Number : XXXX Original Balance : {$750.00} Date Opened : XX/XX/XXXX Status : Collection account ; {$750.00} past due as of XX/XX/XXXX Balance Updated : XX/XX/XXXX This discrepancy has led to unnecessary confusion, including receiving communications from XXXX  despite my attempts to clarify that the accounts are unrelated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I reviewed my consumer report and previously informed your agency on XX/XX/2024 about several disputed items. Despite this notice, the issue remains unresolved in a manner that violates my rights under the Fair Credit Reporting Act ( FCRA ). I included an FTC Identity Theft Report and have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these items.

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 2024-12-17 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:
" 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 each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: UT

Complaint narrative:
There's an inquiry on my credit report that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report. It is stressing me and making me anxious on why and how this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: IN

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-12-17 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: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SSN : XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to file a formal complaint regarding inaccurate and unverifiable reporting by multiple creditors and credit bureaus, despite my repeated attempts to resolve these issues. The following negative items have been disputed multiple times, but have returned as " verified '' without proper proof of accuracy. 

Inaccurate Accounts XXXX XXXX ( Charge-Off ) Account Number : XXXX Balance : {$8500.00} Credit Limit : {$8000.00} The reported balance exceeds the credit limit. Inaccurate payment history and charge-off status were found on XXXX and TransUnion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$19000.00} Discrepancies in last payment date and charge-off validation were noted on XXXX and TransUnion. 

XXXX XXXX XXXX ( XXXX ) Account Number : [ XXXX  Account Number ] Balance : {$2600.00} There are errors in delinquency and account status on XXXX and TransUnion. 

XXXX XXXX XXXX ( Late Payments ) Account Number : [ XXXX  Account Number ] Multiple late payments reported inconsistently on XXXX. 

XXXX XXXX ( Collection ) Account Number : XXXX Balance : {$410.00} Remarks : Dispute unresolved but marked as Collection on all three bureaus. 

Excessive and Unauthorized Inquiries Repeated hard inquiries made without my consent. The dates and companies of the unauthorized inquiries are as follows : XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX ( multiple inquiries ) Dates of Inquiries : XX/XX/XXXX, XX/XX/XXXX These inquiries have not been authorized and are negatively affecting my credit score. 

Despite my efforts to dispute these items directly with the credit bureaus, I have yet to receive satisfactory resolutions. I kindly ask the CFPB to intervene and ensure that these inaccurate and unverifiable items are investigated and removed. 

Relevant Consumer Laws Fair Credit Reporting Act ( FCRA

) : Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), credit reporting agencies must correct or delete inaccurate or unverifiable information. Under 15 U.S.C. 1681s-2 ( b ), furnishers of information ( c
reditors ) must investigate disputes and provide proper verification.

Fair Debt Collection Practices Act ( FDCPA ) : Under 15 U.S.C. 1692g, debt collectors must validate any debt if requested by the consumer. 

Under 15 U.S.C. 1692e, misleading or harassing debt collection practices are prohibited. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-12-17 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: FL

Complaint narrative:
I was trying to find out where my refund was for my over payment and a accurate monthly payment amount. I made at least a dozen attempts to reach people to give me this information. In the past 2 months have actually got people 4x. They'd transfer me to " Advanced Customer Service '' which I sat on hold for for over an hour each time to find out they were just customer service and would still need to transfer me to " Advanced ''. It was a circle each time and I never got my answers. 2x, they hung up, 1x the person didn't know how to look it up. and 1x after waiting for hours on hold, I selected for the prompt for the call back. Once I finally got the call back, it went right back in to the beginning never ending circle. My 4th time, I am still on the phone on hold. It's been 2.5 hrs already and I have no idea if anything will get resolved. Just getting in touch with them has been a nightmare ever since they took over my student loan and there is nothing we can do about it but complain with zero results. Don't complain to them, they'll hang up on you. Either way, they said their system generates the numbers and they have no control over them. They seem to depend on AI to do important things for them but it seems to be making things worse. From the loan types, the phone calls, and numbers. It's all a terrible customer experience.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file.

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 2024-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-12-17 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: CA

Complaint narrative:
Dear CFPB, Equifax Dispute Department, I am writing to formally request the removal of an inaccurate item from my Equifax credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, which mandates that credit reporting agencies maintain accurate and up-to-date information. I have recently reviewed my credit reports from XXXX and XXXX, and the item listed below has been deleted by both of these agencies as it was determined to be inaccurate or unverifiable. Account Name : XXXX XXXX XXXX Account number : XXXX Amount : {$3800.00} However, this same item remains on my Equifax credit report. This item was purchased by a Third Party Debt Collector. 
XXXX XXXX XXXX. This account must be deleted as the status is not correct, the amount is not correct and account was paid for less than owed by the Third Party Debt Collector. This information is NOT CORRECT & this account needs to be removed and deleted immediately. Equifax needs to follow suit and remove this account immediately. I will have supported documents attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-17 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-12-17 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: CA

Complaint narrative:
Based on the details in this report, the following potential FCRA violations can be identified : XXXX. Inaccurate Information ( FCRA Section 623 ) Balance Updated Date : Listed as XX/XX/XXXX, XXXX future date. Reporting any information with dates that have not yet occurred constitutes inaccurate and unverifiable reporting. 
Account Charged Off but Still Past Due : The account is marked charged off with a past due amount of {$6300.00}. Once an account is charged off, creditors generally should not continue reporting it as past due. This creates an inaccurate impression of the status of the debt. 

XXXX. Failure to Ensure Accurate Reporting During a Dispute ( FCRA Section 611 ) The comments section indicates the account is disputed by the consumer. Under the FCRA, once an account is disputed : The information must be marked as disputed and reinvestigated within XXXX  days. 
If the information can not be verified, it must be corrected or deleted. 
If this dispute has not been resolved or was improperly verified, this could constitute a violation. 

XXXX. Potential Re-aging of Debt The account was opened on XX/XX/XXXX, but shows a future balance update in XX/XX/XXXX. 
If this future balance update falsely extends the reporting period, this could be re-aging of debt, which is a violation of the FCRA. Charged-off accounts should be reported for no more than XXXX years from the date of the first delinquency. 

XXXX. Misleading or Inconsistent Reporting The Paid Off field is listed as 16 %, yet the account is charged off and the full balance of {$6300.00} remains due. This inconsistency creates confusing and potentially misleading information for credit reporting, which violates the FCRA requirement for clarity and accuracy.

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 2024-12-17 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: IN

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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