vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-14 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: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
XXXX is a company I do not recognize. This company is reported on my credit as a hard inquiry. I would like them removed please. 

XXXX XXXX, This company is reported on my credit as a hard inquiry. I would like them removed please. 

XXXX  XXXX is a company I do not recognize. This company is reported on my credit as a hard inquiry. I would like them removed please. 

XXXX XXXX, This company is reported on my credit as a hard inquiry. I would like them removed please.

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 2024-10-14 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
XXXX is a company I do not recognize. This company is reported on my credit as a hard inquiry. I would like them removed please. 

ALLY FINANCIAL, This company is reported on my credit as a hard inquiry. I would like them removed please. 

XXXX  XXXX is a company I do not recognize. This company is reported on my credit as a hard inquiry. I would like them removed please. 

XXXX XXXX, This company is reported on my credit as a hard inquiry. I would like them removed please.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optio Solutions, LLC
State: VA

Complaint narrative:
XXXX XXXXXXXX agreed to a lease for a newly constructed apartment that they breached by sending an email on XX/XX/XXXX stating it wouldn't be ready. My daughter, a college senior, needed housing by XX/XX/XXXX. Meanwhile, I requested to break the lease so we could secure housing in XXXX and was told it wasn't an option. They offered to house my daughter and pay a stipend towards alternative housing. Due to no other choice, we took one of their options by moving into a hotel that required me to pay money the cost difference. Per the lease, we gave them 90 additional days ( until XX/XX/XXXX ) to finish my daughter 's XXXX floor apartment and it still wasn't ready. On the XXXX day and we reached out to my daughter 's college housing and they found her an apartment on campus. She moved in on XX/XX/XXXX prior to her winter break. There were lots of complaints from tenants that the building had issues. I also keep in touch with the county 's permit office regarding the buildings readiness. We are not paying XXXX XXXXXXXX when they breached the lease. My daughter graduated on XX/XX/XXXX. I'm filing this complaint for me and my daughter, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: VA

Complaint narrative:
Thia account was charged off on the following date XXXX. Since then the account has been repeatedly been updated as change of every month. This is an update on the payment history. This inaccurate information falsely manipulates the statute of limitations. Experian Failed to investigate this properly and your neglect has violated my rights. I am demanding a deletion of this account immediately. 

EXPERIAN : XXXX XXXX XXXX  Account # 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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to formally dispute the bankruptcy listing on my credit report, as it inaccurately reflects my current financial status. Per the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that the information on my credit report is accurate and up-to-date. 
Attached, please find documentation from both the courthouse and XXXX proving that my bankruptcy has been resolved. This evidence substantiates my claim that the bankruptcy listing should be removed from my credit report in accordance with the FCRA. 
Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), inaccurate reporting of my financial information can have adverse effects on my creditworthiness and overall financial well-being. Therefore, I request that you conduct a thorough investigation into this matter and promptly remove the erroneous bankruptcy listing from my credit report. 
I trust that you will handle this dispute with the utmost attention to compliance with consumer protection laws. Your prompt action to rectify this error will help ensure the accuracy of my credit report and uphold the consumer rights outlined in the FCRA and FDCPA. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.Thank you for your prompt attention to this matter. I anticipate receiving confirmation of the removal of the inaccurate bankruptcy listing from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to formally dispute the bankruptcy listing on my credit report, as it inaccurately reflects my current financial status. Per the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that the information on my credit report is accurate and up-to-date. 
Attached, please find documentation from both the courthouse and XXXX proving that my bankruptcy has been resolved. This evidence substantiates my claim that the bankruptcy listing should be removed from my credit report in accordance with the FCRA. 
Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), inaccurate reporting of my financial information can have adverse effects on my creditworthiness and overall financial well-being. Therefore, I request that you conduct a thorough investigation into this matter and promptly remove the erroneous bankruptcy listing from my credit report. 
I trust that you will handle this dispute with the utmost attention to compliance with consumer protection laws. Your prompt action to rectify this error will help ensure the accuracy of my credit report and uphold the consumer rights outlined in the FCRA and FDCPA. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.Thank you for your prompt attention to this matter. I anticipate receiving confirmation of the removal of the inaccurate bankruptcy listing 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 2024-10-14 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: GA

Complaint narrative:
Looking through my credit report I came across quite a few hard inquiries 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 2024-10-14 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: NV

Complaint narrative:
I have an hard inquiry from XXXX XXXX  on XX/XX/year> on my experian credit report that was not authorized by me I would like this to be removed asap because this is not right at all I also attached an identity theft report below

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 2024-10-14 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: RI

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2024-10-14 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXXXXXX XXXX XXXX  account number : 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 2024-10-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Misleading me about improvement in credit score and the consequences of federal student loan rehabilitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: NC

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-10-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: LA

Complaint narrative:
The company has deleted this collection from my report multiple times and they add it back with no proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I am filing a complaint due to the refund I should have received concerning being misled by the XXXX XXXX XXXX XXXX and Navient, for who I received a loan when it was with XXXX XXXX XXXX. 
I filed a grievance through " Brower 's Defense '' in XXXX of XXXX and won my case in XXXX. The remainder of my loan was adjusted on XX/XX/XXXX. I wasn't aware that I could file a grievance. I had been under forbearance or some type of repayment plan from XXXX to XXXX. After I won my case, I asked Navient about a refund. They told me I needed to speak to Studentaid.gov. I reached out to Studentaid.gov and I was told that I needed to talk back to the issuer of the loan. I contacted Navient again and was then advised again to speak to Studentaid.gov. At that point, I felt like I was getting the runaround so I filed a complaint with Studentaid.gov. I received a confirmation email on XX/XX/XXXX that my case will be reviewed and I will get a response soon. The last time I heard from Studentaid.gov was on XX/XX/XXXX stating my " Borrower Defense application is under the XXXX XXXX XXXX settlement. '' They provided me with another case number and told me that their " team is working on reviewing your account and processing your refund. '' I have sent them 3 to 4 emails since then. The last email to Studentaid.gov was XX/XX/XXXX. Therefore, I do not know the status of my refund because Studentaid.gov stopped responding to me. I don't know if it has anything to do with the new lawsuit against Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

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. 

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In my prior complaint, I detailed my inability to access my account for unfreezing purposes. Each attempt at a temporary unfreeze results in an error. Customer service has been contacted, and while verification is necessary, they are unable to verify my identity for unknown reasons. They've stated their inability to assist further and the need for escalation. Post-escalation, I was informed of a potential weeks-long wait. This problem has persisted for months without resolution. It is imperative to address this as I am facing significant losses due to my inability to temporarily unfreeze or take any action within the account. Although I can log in, I am unable to unfreeze the account, perform credit checks, etc. The screenshot I provided illustrates my latest attempt, which resulted in the same error ( note the date and time at the bottom ).

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 2024-10-14 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
See complaint XXXX I formally request a copy of the XX/XX/year> letter supposedly sent to my current and only address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have requested this important letter and I have not received it. At this point I do not believe the letter was ever sent to me. In the CBNA response they do not deny the letter exists, however they did try to send me a summary ( smoke and mirrors ), to stop my continued request ; this is not good enough. I will not stop asking until I get a copy of the original letter, as I am entitled. 

I formally request a copy of the XX/XX/year> letter be attached to CBNAs response to this complaint. As well I request that a copy of my statement with the closing date of XX/XX/year>, be attached as well. 

At this point, I have no means of knowing month to month how much is debited from my account because CBNA refuses to send me a monthly billing statement ; list of what my interest is charged on this debt ; what my balance is each month. It is quite obvious that I am intentionally left in the dark about this account, as I will never know what is going to be debited and I am unable to file a Federal complaint and be able to justify my problem. I have never known corruption this vast.

I hereby waive any privacy concerns that may be listed in the documents and I request both documents be attached to CBNAs response to this complaint. It is quite obvious from the response to Complaint XXXX that CBNA will sell me any bill of goods to avoid my review of the full scope of the XX/XX/year> letter.

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 2024-10-14 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: NY

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 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 2024-10-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
Radius Global Solutions LLC has an open balance of {$1400.00} which i believe is a collection from XXXX XXXX.. this account is false as i currently have an open account with XXXX XXXX and should not be in collections

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 2024-10-14 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX XXXX. account : 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 2024-10-14 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: CT

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief