vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-12 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: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I requested that Midland Credit Management : 1. Validate the debts in question and provide all necessary documentation. 2. Cease reporting these accounts due to the inconsistencies in the amounts reported across different credit bureaus. 3. Cease the practice of changing the status of the debt in a misleading manner and further damaging my credit. 4. Remove any re-reported debts that were previously removed from my credit report. Midland Credit Management has continuously reported inaccurate information Midland Credit Management has not verified or validated this debt Midland has not sent me any documentation to prove they have a legal right to say I owe them this debt nor any documentation I requested. Midland Credit Management has ignored all correspondence from me Midland has been changing the amounts of the debt by increasing and decreasing the balance every month which is illegal. Midland has also changed these collections to chargeoffs and then changed them back to collections to further lower my score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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. 

Transunion XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX ( late payment ) High Balance : {$7900.00} Balance Owed : {$7700.00} XXXX  Original creditor/ XXXX XXXX XXXX XXXX {$23000.00} XXXX Lists non-mailing addresses I have requested remove but I was denied when I called over the phone 2 weeks ago. The addresses are as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original creditor/ XXXX XXXX XXXX XXXX {$23000.00} 15 USC 1681 Section 602 A states, I have the right to privacy. 

15 USC 1681 Section 604 A, section 2 states, a consumer reporting agency can not furnish an account without my written consent or instructions. 

15 USC 1681 c. ( a ) ( 5 ) states, no consumer reporting agency may make any consumer reporting containing any of the following items of information : Any other adverse item of information other than records of convictions and crimes which antedates the report by 7 years. 

15 USC 1681s-2 ( a ) ( A ) ( 1 ) states, 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 that the information is inaccurate. 

I have not provided consent or instruction to any credit reporting agency ( Transunion, XXXX or XXXX ) to report any of the data provided above, nor have I been given the option to opt out. This makes the information 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 2024-08-12 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: CA

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 information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith p
ursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: MD

Complaint narrative:
I found frivolous items on my credit report that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
This is my fourth time submitting a complaint about ALLY BANK holding my funds and my account being restricted without having any access to my accounts also Ive noticed a lot of my funds are missing from my account when I check my balances at the XXXX  with both of my debit cards. I am able to check my balances but I cant make any withdrawals or deposits with my card this is so frustrating I cant even sleep most nights Ally Bank has gave me XXXX with having my money being held by financial institutions its been going on a month I have no access to my money and I believe this company is using my funds for other practices because how does my funds keep missing and my account balances keep changing when my account is locked and I have no access to my online banking every time I check my balances at an XXXX  they are different and I dont understand whats going on. Im behind on my bills and I have to take out loans in order to make payments for me and my family a few days has passed where I couldnt even get my children and I any food because all of my money is tied up that I have no access to with ALLY BANK being a major reason. They are holding a majority of my life savings and I feel like a complete XXXX for banking with this company I feel Im being robbed and Im receiving no help from anyone but my attorney at this moment. We are just waiting for court proceedings to start and I will use my complaints submitted here as evidence about whats going on. This bank knows what they are doing and I dont know if they are trying to cover something up but I believe foul play is going on. They mentioned the reason my account being blocked is because of a XXXX payment that I made and I confirmed that I am the one who authorized the transaction and still I have no access to my money. I wont make any more complaints because its getting me nowhere it seems pointless at this point ALLY BANK has to be the worst ever at this point I am so depressed I cant take it anymore I amp helpless Im in defeat but I will keep fighting for whats mine and in the long run I will receive my compensation and even more believe it. God bless

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: CA

Complaint narrative:
I requested discharge for school misconduct for my private school loans. All federal loans were discharged based on lawsuits that confirmed there was misconduct. The lender has issued multiple discharges on the same type of loa, from the same school for multiple other individuals, but they denied mine. There was no clear response as to why mine were discharged, they just say 8 was declined. I request a reason and a n opportunity to fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
XXXX  made a payment around XX/XX/XXXX and contacted the bank and they told me a duplicate payment was made and returned the payment on XX/XX/XXXX. 

I then received late notices in the mail, called Santnader to discuss the issue, and paid on XX/XX/XXXX. 
I will be making another payment on XX/XX/year> to get up to date. 

Since this error was made by Santernder I am requesting the {$490.00} + {$20.00} return check removed from this account. 

I am a long time customer of Santander and hold multiple accounts. 
I am very upset about the late fees and the fact this was reported on my credit report. 

Please assist me in removing the fee and this 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 2024-08-12 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: GA

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 2024-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

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 explanation
Consumer complaint received 2024-08-12 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: AL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-08-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am reporting a fraudulent inquiry found in my credit report XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX  XXXX is reporting late payments for XXXX, XXXX, XXXX. 
I requested for these late payments to be removed off my 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 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXXXXXX is reporting late payments for XXXX, XXXX, XXXX. 
I requested for these late payments to be removed off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NJ

Complaint narrative:
The account information is incorrect on ECSI. The amount due is XXXX, but it should be lower.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I found frivolous items on my credit report that do not belong to me.

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 2024-08-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am reporting a fraudulent inquiry found in my credit report XXXX  XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am reporting a fraudulent inquiry found in my credit report XXXX XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: IL

Complaint narrative:
The personal information on my credit report is incorrect. I have included my documents so you can update it. Please correct and update my personal information as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I need assistance with resolving some negative items on my report. I have previously submitted the three requested documents, dispute letters, and specified the accounts I want removed. Could you please help me with these matters.

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 2024-08-12 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: FL

Complaint narrative:
I found frivolous items on my credit report that do not belong to me.

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 2024-08-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Ready Capital Corporation
State: AL

Complaint narrative:
I paid the XX/XX/XXXX payment on XX/XX/XXXX. My mortgage service changed and they posted it as an extra principal payment. I can not even verify that because my payment history is not available. 
I contacted them about their mistake and was told it would be reclassified as a monthly payment. It was not. When I contacted them again I was told they could not reclassify it because they changed servers.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: WA

Complaint narrative:
I found frivolous items on my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: NY

Complaint narrative:
I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. I request that this information be verified with proper documentation. If you can not verify the accuracy of this information, I request that you remove it from my credit report immediately. 

Your agency is in violation! 
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 explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
This collections account is fraudulent. I contacted DRS and they say it belongs to XXXX who got it from XXXX  XXXX. XXXX XXXX has no knowledge of this. And XXXX XXXX has provided me two current accounts which they wouldn't do if I had a {$1000.00} charge off just a few years ago. 
DRS account number is XXXX I do not have the XXXX  account number. XXXX appears to be the one committing fraud since they are the ones claiming I owe XXXX XXXX money. 
Also, I checked my credit reports dating back to XXXX  and none show me with a credit card from XXXX XXXX except for the XXXX that are, and always, have been current.

Company response to consumer: Closed with explanation