vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-18 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Violation of Fair Credit Reporting Act by Equifax Dear Sir/Madam, I am writing to formally express my concerns regarding Equifax 's apparent violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681B , which outlines the permissible purposes of consumer reports.

The law clearly states that any consumer reporting agency may furnish a consumer report only under specific circumstances. According to 15 USC 1681B ( 2 ), a consumer report may be provided in accordance with the written instructions of the consumer to whom it relates.

Moreover, the FCRA under 15 USC 1681a ( 2 ) ( A ) ( I ) specifies exclusions from a consumer credit report. This section indicates that a " consumer report '' does not include any report containing information solely related to transactions or experiences between the consumer and the person making the report, I am the consumer provided that it complies with section 1681s-3.I am the consumer making the payments, and the person making the report is the data furnisher. This means there can not be any late payments, because late payments are Transaction 's being reported on my credit report by the data furnisher about me. That is an exclusion to what can be contained in a credit report Given these regulations Equifax has not adhered to the legal requirements set forth in the FCRA. I request that the Consumer Financial Protection Bureau investigate this matter to ensure compliance and protect consumer rights and have XXXX XXXX XXXX  XXXX removed from my report. 

Thank you for your attention to this important issue. I look forward to your prompt response. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: NJ

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2024-12-18 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
On XX/XX/year>, I contacted Marcus by Goldman Sachs ( high yield savings for consumers ) to initiate a wire transfer of {$60000.00} to another institution. I was multi-factor authenticated via SMS by the representative and verbally authorized the transaction. I later received an e-mail, with no details, stating that I needed to call back in yet again, with resolutions available until XXXX XXXX  XXXX XXXX. 

I made this call on XX/XX/year> at XXXX XXXX XXXX and was connected to representative XXXX. XXXX attempted to multi-factor authenticate me but said that she could not do it, and she could not explain why not, and without this step, she was unable to assist me with the account. I requested to speak to a supervisor and was told that " they leave at XXXX XXXX. '' When I questioned this and asked if anyone was in the call center to oversee the representatives ' work, the story changed to supervisors only take calls until XXXX XXXX, and no later. No explanation was given for why my case could not be escalated, and I was informed I would need to call back a third time, at a time convenient to Goldman Sachs, to complete this transfer of my money. 

Goldman Sachs is playing keep-away with my funds, which has an opportunity cost associated with it as I am not able to earn interest from the destination institution while they play these games. Their poorly trained representative, inferior technology, arbitrary supervisor availability, and/or some combination of all three are depriving me of access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: NY

Complaint narrative:
I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

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 2024-12-18 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: FL

Complaint narrative:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$13000.00} XXXX XXXX  Balance {$0.00} XXXX XXXX  Balance {$5000.00} XXXXXXXX XXXX XXXX Balance {$3800.00} XXXX XXXX Balance {$7900.00} XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance {$1600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: FL

Complaint narrative:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$13000.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$5000.00} XXXXXXXX XXXX XXXX Balance {$3800.00} XXXX XXXX  Balance {$7900.00} XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance {$1600.00}

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 2024-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: AMERISAVE MORTGAGE CORPORATION
State: CO

Complaint narrative:
Amrisave mortgage pre approved my loan and asked for {$500.00} to proceed with my application and guarantee medium that it would be refunded once the loan was funded. Then they denied my application and refuse to refund the {$500.00}

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: PA

Complaint narrative:
I had a auto loan with XXXX XXXX. Which the car was returned back to them time in XXXX of 2022. But before this XXXX XXXX  had changed it off and sent it for collection to Jefferson Capital system. Which I never signed agreement with Jefferson Capital system. Furthermore, I contacted Western funding requesting my 1099c since they changed off/written off this debts. Which they never since it to me because they said that they no longer have anything to do with this debt. If you look at my XXXX credit report you will see a XXXX balance. So after contacting Western funding I contacted Jefferson Capital system asking for validation of this account. Which I ask for a copy of the documentation with my signature saying that I signed a contract with them. So I ask that Western funding and Jefferson Capital system accounts be removed from all of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: MI

Complaint narrative:
I haven't supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presumethat no proof of the allege debt, nor therefore any XXXX such debt, in fact therefore exists

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 2024-12-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I just recently learned that SCRA can be applied to my private student loan. XXXX student loan informed me about this around XX/XX/XXXX. XXXX  lowered my interest rate and paid me the excess payments Ive made over the years. 

I requested the application of SCRA towards my loans with Firstmark ( Acct # XXXX ). Firstmark only applied the SCRA since XX/XX/XXXX. I keep sending all of my husbands orders since XXXX, but Firstmark never applied SCRA since XXXX, never sent me a check for the SCRA interest overpayment, and never provided me with the information on how much overpayment I have made. Firstmark simply ignored my request to apply the SCRA to my account starting in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: DISCOVER BANK
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Discover Bank for their failure to issue Form 1099-C ( Cancellation of Debt ) for a charged-off debt and for their inaccurate reporting of this debt to the credit bureaus. 

I have an account with Discover Bank, with the account numbers XXXX and XXXX. According to the provisions of 26 U.S. Code 61 ( a ) ( 12 ) of the Internal Revenue Code, any canceled debt of {$600.00} or more is considered taxable income and must be reported by the creditor on Form 1099-C. To date, Discover Bank has not provided me with the required Form 1099-C for the charged-off debt on my account.

This form is critical for my tax reporting, as I am required by the IRS to report canceled debt as income. Failure to provide the 1099-C form not only complicates my tax filing but may also constitute non-compliance with federal regulations.

Additionally, I am concerned about the accuracy of Discover Bank 's reporting of this debt to the credit bureaus. Under the Fair Credit Reporting Act ( FCRA ), creditors are prohibited from reporting false or misleading information to the credit bureaus, including improperly reporting a canceled debt as income. Specifically, 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) requires that any information reported to the credit bureaus be accurate, including ensuring that canceled debts are reported properly to the IRS, not to the credit bureaus as income.

I request that the CFPB investigate Discover Banks failure to issue the required Form 1099-C and its inaccurate credit reporting practices. I would appreciate the CFPBs assistance in ensuring that Discover Bank complies with its obligations under the tax code and credit reporting laws.

I would greatly appreciate it if the CFPB could look into this matter and assist me in resolving the issues with Discover Bank.

Thank you for your time and attention to this important matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Also see : FTC report # XXXX My identity was stolen in several national data breaches. Fraudulent charges, accounts opened and accounts added to my consumer credit report that i did not open. All of the these accounts has been reported and disputed, then removed from said report. One account that was fraudulantly opened then placed on my consumer credit report marked as " not paid '' and was opened in result of my identity being stolen in a national data breach LVNV FUNDING LLC. Is a fraudulantly opened account that was has added $ XXXX of fraud debt that i have disputed and had removed from my consumer credit report many times. Yet this company keeps selling this debt or passing it off and then keeps adding it back to my consumer consumer credit report under a differnt name. I have sent the merchant ( XXXX XXXX XXXX, XXXX. ) that originally reported this fraudulently opened account to the credit bureau XXXX XXXX ) several letters to stop and making them aware this was not my debt it was opened fraudulently, they then close the account as a charge-off untill i have to dispute that also. Once completely removed its time for the name change game they play. 4 years I've been battling this deceptive practice by these or this company on top of dealing with identity theft. I ask for XXXX, XXXX, XXXX XXXX and XXXX to BLOCK these " furnishers of information '' XXXX XXXX XXXX XXXX also block LVNV FUNDING and RESURGENT CAPITOL SERVICES from reporting this fraudulantly opened account XXXX in the amount of {$1000.00} to my consumer credit report or any other of my personal consumer information channels. For over 2 years the above listed reporting businesses has damaged my XXXX  and kept me from getting loans, credit cards, housing, reliable transportation and also jobs. 

Please see attached document sent to me today ; that clearly states what they do and how they do it. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XX/XX/XXXX request information for debt validation of the original documentation to prove this is my debt. 
Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), collection agencies are prohibited from reporting debt information on a consumers credit report if they have acquired the debt from the original creditor and have not provided sufficient verification of the debt to both the consumer and the credit reporting agencies. 

Specifically, 15 U.S.C. 1692e of the FDCPA states that a debt collector must not make false representations regarding the status of a debt, and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) of the FCRA indicates that information provided to a credit reporting agency must be accurate and complete. Since this debt was sold or transferred from the original creditor to your agency, and without proper verification, you are prohibited from continuing to report it on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: WA

Complaint narrative:
I came across an inquiry from your company that I did not authorize. These are harming my credit score, and Im extremely upset about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: AR

Complaint narrative:
XX/XX/2024 XXXX XXXX XXXX XXXX XXXX. 
XXXX AR, XXXX Chrysler Capital XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Cease and Desist Request - Credit Reporting of Charged-Off Account Account Number : XXXX Dear Sir/Madam : I am writing this letter pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding a charged-off auto loan account that appears on my credit report.

I am formally requesting that Chrysler Capital cease reporting this account to all credit reporting agencies for the following reasons : 1. Under the FCRA, credit reporting agencies and furnishers of information must ensure all credit information is reported accurately and fairly.

2. I dispute the accuracy and completeness of the information being reported regarding this account.

3. According to Section 611 of the FCRA, if disputed information can not be verified within 30 days ( or 45 days in certain circumstances ), it must be removed from the credit report.

I request that you : 1. Cease all reporting of this account to any and all credit reporting agencies 2. Remove all previously reported negative information related to this account 3. Provide written confirmation of these actions within 30 days of receipt of this letter Please note that failure to comply with this request may constitute a violation of the FCRA, which provides for statutory damages, actual damages, punitive damages, and reasonable attorney 's fees for violations. 
All future correspondence regarding this matter should be sent to : I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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:
Transunion has violated 15 USC 1681- Permissible Purpose of the FCRA, on multiple occasions. They also actively violated 18 USC 1028A as a non-affiliated third party to any account reported within my consumer 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 2024-12-18 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: IL

Complaint narrative:
I'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 2024-12-18 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: IL

Complaint narrative:
I'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 explanation
Consumer complaint received 2024-12-18 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/year> 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