vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-26 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: NC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is reporting XXXX Account Number XXXX as a charge-off.

My Rights. 15 U.S.C1681 section 602 A states I have the right to privacy. 15 U.S.C1681 section 604 A. section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C1681c. ( ax5 ) section states, a person shall not furnish any information relating to any consumer reporting agency if the person knows or have reasonable cause that the information is inaccurate. The FCRA does not allow income to be reported on a consumer 's credit report because it violates privacy and income is not considered relevant for determining credit risk.

Given that the original creditor has charged off said account on their taxes as a loss, received credit for said loss, and reported to the IRS as my income ( via the 1099-C that I never received ), they are reporting my income ( not a debt ). Reporting income is not compliant with the FCRA and is a massive invasion of my privacy. Due to the charge-off on my report, a recent loan and charge card application was denied. Additionally, I'm unable to purchase a home or car and this has caused extreme emotional distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Kentucky Higher Education Assistance Authority
State: KY

Complaint narrative:
Student loans were agreed to be serviced to me by Kentucky Higher Education Assistance Authority in college between XXXX ( approximately ). Original loan amounts were {$4000.00} and {$2700.00}. After making many ( inconsistent ) payments for approximately XXXX  years, the loan was defaulted and I was informed it would no longer be reported on my credit. However, an unknown company called XXXX now reports {$16000.00} balance to my credit, claiming this account without my consent. I have no knowledge of the company XXXX, and certainly made no contractual agreement with them of any sort. XXXX  ( Kentucky Higher Education Assistance Authority ) provided no information as to how much was transferred, which debt was claimed as cancelled or abandoned, or the balance of the account at time of transfer. The only provided a balance of {$13000.00} as of XXXX. Loan transferred in XXXX and now nearly XXXX the original amount serviced from the US Treasury XXXX I received no XXXX report ( if it was considered cancelled ), detailed amount of balance transferred to XXXX, or any other report of actions taken. Also no receipt or information concerning the payments made to XXXX  that were acquired by XXXX when this loan was defaulted. Lastly, XXXX still attempting to collect this amount from me, still reporting to my credit, and showing balance of {$16000.00} of originally borrowed {$6700.00}. Im requesting total amount collected in payments, amount levied from my checking and savings bank accounts, and the amount claimed by XXXX and transferred to XXXX at the time I received notification of loan defaulting, XX/XX/XXXX 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: MD

Complaint narrative:
I am filing this formal complaint to request the immediate investigation and correction of inaccuracies and fraudulent accounts on my credit report. Despite multiple attempts to resolve these issues, including letters sent by me and my attorney, the process has not progressed sufficiently. It has now been over 65 days without resolution, which is an unreasonable delay and a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

I have attached the following documents to support this complaint : Affidavit Identification ( ID ) Social Security Number ( SSN ) Supporting bills Fraudulent Accounts : The following accounts are fraudulent and need to be deleted immediately : XXXXXXXX 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 XXXXXXXX XXXX XXXX Inaccurate Reporting of XXXX XXXX : Several accounts inaccurately report late payments on XXXX while other bureaus correctly indicate no late payments : XXXX XXXX XXXX  - XXXX ( Never late ) XXXX XXXX - XXXX ( Never late ) XXXX XXXX XXXX - XXXX ( Paid in full, never late ) XXXX XXXX  - XXXX ( Never late ) This inaccurate reporting constitutes a violation of FCRA provisions concerning the accuracy of credit information. These errors are causing significant harm to my creditworthiness and hindering my ability to progress in life, including pursuing housing and financial opportunities.

Request for Immediate Action : I urge the CFPB to expedite this process and demand that the credit bureaus and creditors comply with FCRA regulations by investigating and correcting these inaccuracies immediately. 

Thank you for your prompt attention to this matter.

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 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
On XX/XX/year>, i applied and was approved for a {$2000.00} installment loan. I received the funds on my debit card ending in XXXX that day at XXXX XXXX ( reference loan ID XXXX ). Ace advises that they offer a XXXX hour satisfaction guarantee and that if you return the principal within XXXX hours you will pay nothing more. The FAQs for Online loans state " To cancel the loan, please send an email to XXXX with a request to cancel your contract OR call us at ( XXXX ) - ACE-CASH ( XXXX ). The XXXX hour right of recission is also stated on the contract terms i agreed to. 

On XX/XX/year> at XXXX XXXX XXXX, i called to cancel my installment loan and was told I called in time and to make sure i had the principal amount ( {$2000.00} ) available in my account for when they withdraw it. I called on XX/XX/XXXX at XXXX XXXX as the funds had not been withdrawn. i escalated to a supervisor and spoke with " XXXX '' who acknowledged that the original representative did not process the cancellation as he should have, to not worry that i wont be charged any interest. i called on XX/XX/XXXX and escalated to a supervisor " XXXX '' as an installment payment was taken out and the account showed i owed interest. He advise that " XXXX '' had not responded to their emails and that he would follow up and assured me there would be no interest charged. To date, i have had a second installment payment withdrawn and i am still being charged interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: CA

Complaint narrative:
My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted the bureau and the representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.

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 2024-12-26 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: MD

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

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

Company 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 2024-12-26 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: MO

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. XXXX XXXX XXXX was Removed and deleted off all three credit bureaus and now theyre reporting a new account with a new balance on XXXX XXXX and Transunion XXXX I already requested a proof of claim and demand to see and authentication contractual agreement that authorizes the legal or lawful collection of this alleged debt. I never received it. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. This item is currently showing inaccurately on my credit report filed with your credit bureau. 
Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. 15 USC 1681s-2 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. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: MO

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. XXXX XXXX XXXX was Removed and deleted off all three credit bureaus and now theyre reporting a new account with a new balance on Equifax XXXX and XXXX XXXX I already requested a proof of claim and demand to see and authentication contractual agreement that authorizes the legal or lawful collection of this alleged debt. I never received it. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. This item is currently showing inaccurately on my credit report filed with your credit bureau. 
Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. 15 USC 1681s-2 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. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: MO

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. XXXX XXXX XXXX was Removed and deleted off all three credit bureaus and now theyre reporting a new account with a new balance on XXXX Experian and XXXX XXXX I already requested a proof of claim and demand to see and authentication contractual agreement that authorizes the legal or lawful collection of this alleged debt. I never received it. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. This item is currently showing inaccurately on my credit report filed with your credit bureau. 
Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. 15 USC 1681s-2 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. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I hope this message finds you well. I wanted to reach out to you regarding a matter that has been weighing heavily on my mind. Recently, I discovered some unauthorized charges on my account that I did not make. After looking into it further, I realized that my personal information, including my ID, had been stolen by a family member who is no longer with us. 

This situation has left me feeling incredibly vulnerable and exposed. It's difficult to come to terms with the fact that someone close to me could betray my trust in such a profound way. Dealing with the aftermath of identity theft is not only time-consuming but also emotionally draining. 

I want to ask for your support during this challenging time. Your understanding and assistance can make a significant difference as I navigate through the process of reporting the unauthorized charges and reclaiming my stolen identity. 

If you have any advice, recommendations, or simply a listening ear to offer, I would greatly appreciate it. Thank you for being a supportive presence in my life. Your friendship means the world to me, especially in moments of hardship like this. 

I am grateful for your understanding and compassion as I work towards resolving this unsettling situation. Please feel free to reach out to me if you have any questions or if you'd like to discuss this matter further. 

Thank you for taking the time to read this message. Your friendship and support are invaluable to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-26 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: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
On XX/XX/year> an inquiry for XXXX XXXX, XXXX, XXXX XXXX and Citizens hit my credit report. All inquiries were not myself and I called each company to report. XXXX took care of the inquiries and sent me documentation that they would be deleted a d confirmed fraud. XXXX placed a fraud alert. But XXXX is refusing to remove the Citizen inquiry and the directions they gave me for them to remove need to be reported! They told me to file a complaint with the FTC then retrieve the paperwork from them for the dispute and for me to mail that to them with a copy of my social security card and drivers license!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Self Financial Inc.
State: NY

Complaint narrative:
XX/XX/XXXX someone took a personal loan out and my name for XXXX $ I have. Call the company but this is still ion my credit report I have a XXXX I have never taken out a loan and my life please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to officially dispute a number of errors, discrepancies, and unfamiliar accounts that have surfaced on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to officially dispute a number of errors, discrepancies, and unfamiliar accounts that have surfaced 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 explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I switch my banking address to a new location. Immediately following a biohazard box of needles was delivered to my door step instead of my package. I believe this was targeted due to the heavy cyber surveillance harassment. I have records of calls and picture data. They said they would refund me and never did. Shortly after I got my call intercepted from Bank of America XXXX number trying to get my username and password. Shortly after this I went into the bank who said they dont have any idea why they would ask this. My dispute wasnt refunded as promised. Business letters for selling guns is now coming through my banking system.

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