vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-27 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: First Help Financial, LLC
State: GA

Complaint narrative:
I noticed that an inquiry that I did not recognize. Please tell me the reason for this pull and send me all info you have

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to XXXX5 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX ( account number : XXXX ) XXXXXXXX XXXX XXXXXXXX ( account number : XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-26 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX ( account number : XXXX ) XXXXXXXX XXXX XXXXXXXX ( account number : XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
This account has been paid according to the agreed settlement. They are still attempting to collect and sue me for said amount. I want this account to be removed from my credit or updated to show paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
BANK OF AMERICA Keeps posting information that was Discharged through Bankruptcy 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 2024-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: NV

Complaint narrative:
On XXXX XXXX I made a {$2000.00} payment. The website glitched and my payment was not posted. I called in to let them know and wanted them to adjust my interest since it was discovers website that malfunctioned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-26 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: DISCOVER BANK
State: FL

Complaint narrative:
I have reviewed my consumer reports from XXXX, XXXX, and XXXX, and I noticed that you have reported an account as a charge-off / collection. 

An account can not be both a charge-off and a collection at the same time. A charge-off is a canceled debt, which requires the issuance of a 1099-C form to the consumer. How can you collect on a canceled debt?

The collection of a canceled debt that has been charged off constitutes tax fraud and will be reported to the IRS using Form 3949-A. 

My creditor is DISCOVER BANK and the account number is XXXX. 

This unfairly placed negative mark is affecting my personal life, my ability to build credit, as well as my ability to work and get ahead properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: GA

Complaint narrative:
I have no knowledge of this account. I have never signed a contract or applied with this company. I contacted them, and it determined to be fraudulent account. And was removed from their records. They sent me a letter as proof of deletion. 


XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: FL

Complaint narrative:
I am submitting this complaint against EXPERIAN regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : Outdated Address : My current residential address is XXXX XXXX XXXX XXXX, XXXX, florida, XXXX ], while my credit report shows an outdated address of [ XXXX XXXX XXXX XXXX XXXX, fl XXXX ] [ XXXX XXXX XXXX XXXXXXXX, Fl XXXX ]. I request that my current address be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: LA

Complaint narrative:
A late payment is reporting to Transunion and XXXX. This information is inaccurate and show be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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.

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 non-monetary relief
Consumer complaint received 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXXeeps posting information that was Discharged through Bankruptcy 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 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mercury Financial Intermediate LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX Keeps posting information that was Discharged through Bankruptcy XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
I requested the department of education to consolidate my loans back in XXXX and XXXX but they stalled it and the loan services stalled it and now it is XXXX and it still has not been processed and they did this on purpose to ruin my credit and make it look like I was mismanaging my loans.. they were also trying to do fraud and kept stalling the consolidation so they could pull extra loans without my knowledge or consent. This is the 2nd time since the Biden administration that they stalled my consolidation for a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: CA

Complaint narrative:
XXXX XXXX XXXX ACTION : CLOSED REPORTED XXXX BALANCE $ XXXX IDENTITY THEFT NOT MY ACCOUNT XXXX XXXX XXXX XXXX ACTION : CLOSED REPORTED XXXX BALANCE $ XXXX IDENTITY THEFT NOT MY ACCOUNT XXXX XXXX XXXX XXXX ACTION : CLOSED XXXX XXXX XXXXXXXX XXXX XXXXXXXX IDENTITY THEFT NOT MY ACCOUNT XXXX XXXX ACTION : CLOSED REPORTED XXXX BALANCE {$86.00} XXXX CONSUMER- ACTION : CLOSED REPORTED XXXX BALANCE $ XXXX IDENTITY THEFT NOT MY ACCOUNT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CL Holdings LLC
State: MI

Complaint narrative:
I'm a victim of Identity Theft by my Ex husband.

Remove Negative Information from my Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

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 2024-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: VA

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy 15 US 1681b 2. This company has given my personal information to a third party. They also have no permission to report anything using my information pursuant to 15 USC 1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I read in the XXXX XXXX XXXX " XXXX Will Share Your Pants Sizeand Banks Are Cashing In on Your Private Data, Too '', XXXX XXXX, dated XX/XX/year> ) that Capital One sells personal information including balances and transactions, and forces customers to opt out by phone instead of website. 

I called. The agent " XXXX '' could not locate my account by card number but did by XXXX. He then said my birth date didn't match their records, indicate a very basic failure in record-keeping on their part. 

The agent asked for my permission to send a text message to authenticate me, but this ALSO required that I accept that they would take and sell ongoing data from my cell carrier. This an unacceptable demand, especially coupled to their failure to maintain business records. 

I refused permission to increased data sharing. The agent proceeded without it, telling me my phone number is " invalid '' and attempting to troubleshoot his ongoing failures by asking how long I have used this phone number. It is the phone number I was calling him from and I have received other texts this morning. My phone number is in no way invalid. 

Capital One 's agent then said the only way to access my account to request that they stop selling my transaction data was that he would send me a text with a link where I would be forced to send them photos of the front and back of my driver 's license. Their failure to send a text message is apparently fixed by sending a text message. After all of this I did not have any reason to trust Capital One with more even-more-sensitive personal information. 

I asked if closing my account would allow me to prevent them from selling my personal information and the agent confirmed it would, but refused to do so because of his inability to " authenticate '' me. 

Also : Capital One and other institutions keep calling this " information sharing '', like they are innocent children sharing toys in a playlot instead of giant companies selling incredibly sensitive personal info. Please at least prohibit this transparent lie.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-26 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : [ XXXX XXXX ] XXXX Account number : XXXX ] Equifax : XXXX XXXX, XXXX ] XXXX Account number : XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: TX

Complaint narrative:
Fraudulent inquiries are appearing on my credit report. I never authorized them and need them removed 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 non-monetary relief
Consumer complaint received 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX I was never late ( XX/XX/year>, XX/XX/year>, or XX/XX/year> ) with any payments associated with this account, and I am requesting your assistance in providing a detailed description of the procedures and criteria you use to verify the accuracy of the information reported. I believe the alleged late payments listed are incorrect, and I request that they be thoroughly reviewed and removed if adequate supporting documentation can not be provided. 

Please supply documentation proving that I was late on this account. If you can not provide clear evidence to support this reporting, I respectfully request that you delete these erroneous late payments from my report in accordance with U.S.C. 15 1666B, which mandates that a creditor can not treat payments as delinquent without proof. Additionally, per 15 U.S.C. 1681a ( 2 ) ( i ) ( 2 ) Exclusions, the term consumer report excludes information based solely on transactions or experiences directly between the consumer and the reporting entity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-26 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: TX

Complaint narrative:
THESE HARD INQUIRIES ARE FRAUDULENT AND DOESN'T BELONG TO ME AND NEED TO BE REMOVED XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
I was sent a letter on XX/XX/XXXX that show I owe {$0.00} balance required however, it reported that XXXX XXXX, XXXX " based on new escrow calculation, the payment change from {$0.00} to {$2.00}, likely due to increases in your taxes and/or insurance ''. I was shocked because we pay our taxes and get our own insurance so I called in multiple dates in XXXX. I was told that in XX/XX/XXXX they sent a first letter about not having a copy of our HOA insurance. I did not receive that letter. I spoke to a XXXX XXXX and from the insurance side, and had sent to XXXX on XX/XX/XXXX via email our XXXX 's insurance ( HOI ) policy for XXXX. I called again in XX/XX/XXXX spoke to XXXX, because when I went to pay my XXXX monthly mortgage the {$2.00} escrow charge was being pulled from my payment. I again emailed the company my XXXX XXXX XXXX of XXXX and our HOI for XXXX, as XXXX provided me emails again. I called again the following day to cancel the escrow and I was told they did not have our XXXX insurance. So I emailed them our XXXX 's XXXX and our personal XXXX insurance for XXXX, which I had given them each year. I did the same steps in XXXX on XXXX, XXXX, emailed " all '' XXXX, XXXX, XXXX and XXXX. Nothing back except a letter stating that they can not make a determination at this time that came in the mail XX/XX/XXXX. Today, XXXX. I have again emailed to the same XXXX email address that I was given by staff our XXXX policy. I have been trying to get the escrow stopped since XX/XX/XXXX. When I call in I can figure being on the phone for a few hours. I have sent multiple request on their website portal to delete the escrow with nothing back. 
I didn't get my mortgage from them, my bank sold it off to them. This company is not a good company as I have had to spend hours calling, emailing and writing letters with no changes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation