vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-27 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've been XXXX  with correcting errors on my credit report for months now and it is exhausting. Maintaining a strong credit standing is crucial to me, yet these inaccuracies have significantly harmed my financial opportunities and emotional state. Unfortunately, my efforts to address these issues have been consistently overlooked, compounding the negative impact on both my personal life and creditworthiness.

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 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: First Credit Services Inc.
State: TX

Complaint narrative:
I settled the debt with 1st Credit Services and expected the account status to be removed from my credit files as I am no longer in collections. 



The problem arose after much difficulty cancelling a gym membership with XXXX XXXX even though I did not reside in the state. I have proof that I did not reside in the state if needed. 



I am asking 1st Credit Services to remove this account with the credit reporting agencies i.e. XXXX because that is no longer the status of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: PA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-09-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of Identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I sent a letter and an email to my private student loan provider- Firstmark a division of nelnet requesting an application for student loan discharge for my remaining student loans based on predatory loan practices by my school, XXXX University, previously owned by XXXX. I entailed a list of predatory practices and reported multiple times the offering of private student loan discharge by multiple private student loan providers. Additionally, I was explicit regarding nelnet being part of my loan provider over 10 years ago. I received a short reply stating there was no confusion regarding my loan type, and that it was a private loan. There was no reply regarding an application for student loan discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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:
I submitted a dispute on Transunion about account XXXX XXXX that were appearing on my credit report. 
Mailed On : XXXX conclude that XX/XX/year>XXXX XXXX XXXX  was no longer listed on my credit report XX/XX/XXXX, XXXX concluded account was added to your Transunion credit report, as new on-time payment Mailed On : XXXX it was placed back-no change Mailed On : XXXX change I called Transunion customer service support as a result of the incomplete and inaccurate investigation into XXXX XXXX XXXX and was told that they do not do any investigation. that is up to the Creditor. It doesn't matter if the date opened date closed last date active or if the other credit reporting agencies had deleted the account for the very reasons, the don't do investigation. I have yet to receive he correct and proper solution even after submitting the very same proof to the other agencies and having them not violate my rights as a consumer and corrected it. I since did my own research and found that several lawsuits have been filed against Transunion for not properly investigating disputes and violating consumer rights as well as HL Collections, I found out they may not have a license to collect in my state, when making Transunion aware of this they totally ignored me and offered to just keep disputing that is exhausting when they can just do it correctly the first time. I would like this experience on record of the inadequate reasons and the lack of failure to investigate the consumers complaints. Since this has not been addressed correctly, I have suffered from this being negatively reported on my credit report due to the incompetent to this credit agency. I did provide validate proof of the mishandling and misreporting on 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 non-monetary relief
Consumer complaint received 2024-09-27 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: PA

Complaint narrative:
I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I looked at my XXXX credit report on XX/XX/scrub>XXXX XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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: NJ

Complaint narrative:
I looked at my XXXX  credit report on XX/XX/XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and California identity theft and fraud laws, specifically California Civil Code Section 1798.92 and related statutes. 

It has unequivocally come to my attention that MCM COLLECTIONS/ MIDLAND CREDIT MANAGEMENT, Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, California state law emphasizes the necessity of consumer consent for credit reporting. California Civil Code Section 1798.92 establishes clear guidelines for the protection of personal information and the severe consequences of identity theft and fraud. 

I assert with unwavering certainty that I have not provided consent for MCM COLLECTIONS/ MIDLAND CREDIT MANAGEMENT, to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that MCM COLLECTIONS/ MIDLAND CREDIT MANAGEMENT, immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and California Civil Code Section 1798.92. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and California state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that MCM COLLECTIONS/ MIDLAND CREDIT MANAGEMENT, will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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: OH

Complaint narrative:
upon looking over my consumer report i notice there where multiple unauthorized credit inquiries that i did not authorize or initiate. these unauthorized inquiries have raised concernd about the security of my personal credit information. to provide more context the unauthorized inquiries appear as follow : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand XXXX XXXX to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have sent a debt validation letter several times to XXXX XXXX to validate the information it has placed on my credit report. 
I also disputed with the XXXX primary credit reporting companies Equifax, XXXX and XXXX to have this item removed from my credit report. 
I am writing to formally dispute the accuracy of certain information on my credit report. According to my records, there is a negative item that has exceeded the statute of limitations for reporting, and I request its removal. 
The specific item in question is an installment payment account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have sent a debt validation letter several times to XXXX XXXX to validate the information it has placed on my credit report. 
I also disputed with the XXXX primary credit reporting companies XXXX, XXXX and Experian to have this item removed from my credit report. 
I am writing to formally dispute the accuracy of certain information on my credit report. According to my records, there is a negative item that has exceeded the statute of limitations for reporting, and I request its removal. 
The specific item in question is an installment payment account XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services
State: GA

Complaint narrative:
I initially mailed Lendmark Financial Services a notarized promissory note for {$12000.00} to pay off my loan for a personal vehicle. They refused to LEGALLY honor or dishonor the note. I then mailed a notarized " Breach of Fiduciary Duty '' letter to them informing them on the laws that they were breaking in not honoring or dishonoring my promissory note. I told them that were making me go through harm mentally, spiritually, and financially by not trying to help me when I'm clearly striving to pay the debt by all legal options. My next step was mailing them a notarized affidavit asking for my " Debt Validation/Verification/Conditional Acceptance Letter/Hardship '' concerning the loan because they NEVER gave me a copy of the loan paperwork after I signed for my " loan '' initially. I also asked for my original promissory note back because them keeping it is their LEGAL ACCEPTANCE! They granted me my " Hardship '' but, they failed to respond by a legal affidavit with the answers to all of my validation/verification inquiries under their sworn statement that the responses would be accurate. I called today and was told by XXXX XXXX ( Manager ) that their legal dept. instructed her to tell me that they were not going to entertain any more of my " FRIVILOUS '' letters concerning me getting information that I'm entitled to concerning me and my social security number that I signed! WOW! My next steps will have to be rescinding the contract because I was legally incompetent to sign any paperwork without legal council and/or full knowledge concerning a CREDIT transaction disguised as a " CASH LOAN '' in which I NEVER received any cash directly. They failed to instruct me on all details and processes with the transaction as well as providing me with a copy of all the paperwork concerning my loan, which affected my ability to rescind the contract in 3 days. If I knew that they would have such poor customer service and respect for their customers I would have NOT contracted with them and help them commit securities fraud! I mailed all letters by certified mail, I have copies of all letters that I mailed them, and a copy of the promissory note. I recently sent a letter asking for ALL securities concerning my account, name, and social security number to be credited to my account immediately since I felt as if they were committing securities fraud. I was told by a representative that a response was mailed, but I told her that I never received it and asked for another one. Still NO RESPONSE and total disrespect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Chime Financial Inc
State: MA

Complaint narrative:
Chime opened a secured credit card ( which they call " credit builder '' ) in my name without my consent. I only intended to open a checking account with Chime, but it's possible Chime will claim I inadvertently left a checkbox checked on the checking account application, or perhaps touched the wrong button on their app. In any case I never wanted the secured credit card and never knowingly applied for it. I consider the secured credit card to be fraudulent. This card has appeared on my credit report and caused me significant damage. When I disputed the account with XXXX, Chime refused to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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:
I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU ) DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ). 

Please investigate my below disputes and actually this time have the credit bureaus and collection agencies to respond to my dispute requests. Documentation is attached. 

PLEASE CONSIDER THIS LETTER AS AN INITIAL COMMUNICATION DEMANDING ANY EVIDENCE OF MY OBLIGATION TO THE ABOVEMENTIONED ACCOUNTS. AS A REMINDER, ANY ACCOUNT THAT YOU CONTINUE TO REPORT WITHOUT BEING ABLE TO VALIDATE IS A DIRECT VIOLATION OF MY RIGHTS LISTED THROUGH THE FDCPA AND FCRA BOTH TOGETHER AND SEPARATE.

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 2024-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one canceled my debit card for a " fraudulent charge '' that was never on the card. After being out of town and trying to access my money the card would not work. I called the bank and they informed me that they cut off the card due to a charge that i make every XXXX weeks. This was on XX/XX/XXXX i believe. Well after XXXX weeks I still have not received my card and Capital one is not allowing me to access my money. I can't pay bills, go to the store, get gas, or pay for ANYTHING at this time. I have a child who is special needs and I can't pay his medical needs without my card. Capital one is doing nothing at all to resolve the situation.

Company response to consumer: Closed with explanation