vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: MO

Complaint narrative:
on XX/XX/2024 the collection agency MRS BPO LLC. added a collection report to all three on my credit reports knocking my score down by almost 200 points, after receiving notice from XXXX I immediately contacted the collection agency they said the XXXX was for XXXX XXXX XXXX phone service, I explained i have never had any phone service in my life with XXXX XXXX XXXX. he tried to verify my address which they did not have, he stated my address was a new jersey address and someone opened an account with XXXX XXXX XXXX and never paid one payment on the bill. I explained i have never even been to new jersey or in an XXXX XXXX XXXX store for that mater and to send me proof i signed for any account. he stated this seamed all wrong and they would send me paper work on it, he also questioned how someone could run up a XXXX phone bill with no payments made. i have never got any paperwork from this company. we are getting ready to refinance our house and this has greatly impacted our interest rate, I thought i would try this remedy first before involving and attorney for damages

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 non-monetary relief
Consumer complaint received 2024-02-08 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: FL

Complaint narrative:
Upon checking on my credit report, I spotted some unauthorized and fraudulent inquiries 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 non-monetary relief
Consumer complaint received 2024-02-08 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:
Please find attached, my Notice of Dispute and Request for Investigation of Billing ErrorValidation and Verification of Alleged Debt with XXXX. XXXX XXXX XXXX XXXX XXXX regarding the Alleged Consumer Loan Receivables Account No. 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 2024-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: PA

Complaint narrative:
I received a letter from Mohela stating that my student loans have been forgiven, as well as notification from XXXX, since XX/XX/year>. The balance on my credit report says XXXX, but it's open and affecting my ability to purchase a home. I've filed a dispute which they said was settled, but my credit report still says open!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
there is a loan from navy federal in the amount of XXXX dollars that has been charged off and a charge off is considered a certificate of indebtness which is considered income which is illegal and must be removed. this is being reported by XXXX. Also there is an auto loan that has been reporting transaction history which the law says is illegal to report transaction history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: NY

Complaint narrative:
I, XXXX, XXXX XXXX, a natural living being of majority status conducting the style and condition of The Principle and Beneficial Equitable Holder, and not an infant/minor, have exercised my right to rescind the transaction with DISCOVER BANK as part of my equitable relief. DISCOVER BANK then sent me 9 documents if title, that I have remitted to DISCOVER BANK for discharge and offset of the account. The account hasn't been updated to reflect the remittance ( s ) that was sent and received via certified mail.The following month I proceeded to send out a billing error/ breach of fiduciary duty notice to DISCOVER BANK via certified mail which has also been received.

I have also opted out and rescinded any authority may have given DISCOVER BANK to report about me to any 3rd party which they have not honor and i have a right to privacy.

Please see the following attachments : Remittance ( s ) Billing Error/ Breach of Fiduciary Notice Power of Attorney, CAF Notice , Fee Schedule Opt Out Notice Name Copyright Passport Card

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I requested Experian to remove old addresses. they removed 1 and refused to remove 6 others. they removed 4 old phone lines and a number of employers. I used their online dispute area. I have also sent to them two letters to remove my private information other than my current phone number and adress.

they also removed one collection that was incorrect for them to have on file and be sharing with the public at large.

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 2024-02-08 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: National Consumer Telecom & Utilities Exchange, Inc.
State: NY

Complaint narrative:
I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence.By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX  ( Original XXXX XXXX XXXX  ) : Account number : XXXX, I was a victim of identity theft. 
XXXX XXXX  ( Original XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) : Account number : XXXX, I was a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
on the equifax report has a NON MAILABLE ADDRESS on it that dooes not belong to me. so i need the address of XXXX XXXX XXXX XXXX, GA XXXX removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit card — Store credit card
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: CITIBANK, N.A.
State: CO

Complaint narrative:
Attempt to collect a debt ( no debt owed ) on a credit card from 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 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I answered a solicitation form Capital One ( Walmart ) and got a denial letter on XX/XX/XXXX. I contacted credit reporting agencies and got 3 of 4 reports from, XXXX, XXXX and XXXX and await number 4, XXXX. No report shows me as deceased. I wrote back to Capital One to ascertain who was reporting me deceased and on XX/XX/XXXX they sent my a repeat of the original rejection letter of XX/XX/XXXX not indicating who had made the erroneous report. I am not sure what to do. Credit reporting agencies have no mechanism for me to seek relief. Can you advise me or must I sue Capital One in order to find out who is misinformed?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 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: TX

Complaint narrative:
I answered a solicitation form XXXX XXXX ( XXXX ) and got a denial letter on XX/XX/XXXX. I contacted credit reporting agencies and got 3 of 4 reports from, XXXX, XXXX and XXXX and await number 4, XXXX. No report shows me as deceased. I wrote back to XXXX XXXX to ascertain who was reporting me deceased and on XX/XX/XXXX they sent my a repeat of the original rejection letter of XX/XX/XXXX not indicating who had made the erroneous report. I am not sure what to do. Credit reporting agencies have no mechanism for me to seek relief. Can you advise me or must I sue XXXX XXXX in order to find out who is misinformed?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells Fargo as a means of retaliation has started to harass me with an email insisting I owe them for charges they paid on their own free will and against my authorized consent. They refuse to provide proof of my alleged misuse and an explanation as to why my account was charged without over draft. They insist my cards were closed to avoid loss but ignorantly paid out over {$3000.00} to XXXX XXXX. The first error they made in XXXX there was no backlash. Now because I've fought back and spoken up I am being threatened and harassed with a debt they willfully incurred. It's retaliatory and I will not allow Wells Fargo to bully and harass me. They have lied about investigating the matter and failed to render a precise and thorough investigation. Had they done so the recorded call that I placed where I was told my cards were canceled due to my being attacked nothing I did would've been found and reviewed. However they never asked for the exact date and time. Now they are adding insult to injury and increasing my stress level with this frivolous collection notice. They chose to pay charges it's their responsibility to cover it due to my being the customer. But it proves that my financial status doesn't support my being a valued customer. It's discriminatory, XXXX, retaliatory and absurd.

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 2024-02-08 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
XX/XX/2023 ( {$4800.00} ) National Credit Systems placed inaccurate information on my credit report. Address : XXXX XXXX XXXX XXXX XXXX. I mailed a certified letter to this company addressing this matter. Original creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Georgia. Ive disputed it online as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
Equifax states that I have no credit, no open accounts and that non have been reported. I verified my address, DOB and Social Security number numerous times with their customer care. Four of my banking institutions have also called them over the past year with no report provided and bank can not pull. I have no freeze on my account and there is NO information on my Equifax account. I've contacted over 20 times and it continues to effect my ability to refinance, purchase and effects negatively on my credit scores. Please help...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act these creditors have violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ). It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I would like my late payments to be removed from my credit report. I was going through a tough time in which I couldnt make on time payments due to being in school and having too much going on personally. It would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-02-08 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: VA

Complaint narrative:
Please find attached, my Notice of Dispute and Request for Investigation of Billing ErrorValidation and Verification of Alleged Debt with XXXX. XXXX XXXX XXXX XXXX XXXX dated XX/XX/2024, regarding the Alleged 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 2024-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
Fay Servecing says I need to keep a balance on the defer payment and I can not pay off completely. This prevented me from refinancing and taking advantage of the low interest rates a few years back and now its preventing me from getting access to the homes equity. 

Several lenders I talked to say that they need to let me pay it off in order to apply for the loans. 

In addition Fay Servicing takes 7 days from the day I set the payments to be made to processed adding extra days of interest. On top of this, their auto payment system missed processing my payments several times causing me to be late, which affected my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: Hatfield, Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: AZ

Complaint narrative:
I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXXXXXX : Account number : XXXX, This inquiry is unauthorized. Please DELETE! 
XXXX XXXX XXXX ( Original XXXX ) : Account number : XXXX, This inquiry is unauthorized Please DELETE!

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 2024-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am writing to request a XXXX XXXX compliance review of my credit report. I believe these accounts are not mine and part of a mixed credit file or fraud or reporting inaccurately after reinvestigation. I have attached more evidence that proves that some if not all of these accounts are a result of a mixed file or another individual with the same name and XXXX as me thus I can not take responsibility for an account that is not mine. 

I have included my credit reports from XXXX that reflects all three credit bureaus and what is being reported. As you will see clearly, the payment history is incomplete and does not match across all bureaus. If they are contacting the furnishers then these accounts much match per what the furnisher is reporting. 

I am requesting that you conduct a XXXX XXXX compliance review of these account and remove them. A XXXX XXXX compliance review is a process that is used to ensure that credit reporting agencies are reporting accurate information. 

I am enclosing a copy of my credit report with the late payments that I am disputing highlighted. I am also enclosing a copy of documentation that supports my claim that the late payments are inaccurate. 

Please delete these accounts as I have spent the last 7 months disputing and my disputes and complaints have been ignored. If these accounts continue to report after 30 days, I will seek legal action. 

Thank you for your time and 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 2024-02-08 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: IN

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

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 2024-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Capital one auto finance will not remove a loan from all three of my credit reports On a vehicle loan I closed in XXXX

Company response to consumer: Closed with explanation