vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-11 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: FL

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TomoCredit Inc.
State: IL

Complaint narrative:
Tomo Credit Inc. Has removed my credit account from all 3 credit bureaus. I am paying from a monthly subscription.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: CA

Complaint narrative:
I have recently obtained a copy of my consumer credit report from your bureau and I am disputing the completeness and accuracy of the following information. This information is adversely affecting my consumer report, and I request that you promptly correct it. 

XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX USAXXXX, XXXX XXXX XXXX and XXXX XXXX  XXXX. 

I trust that XXXX days is a reasonable timeframe for your investigation. Following your investigation, please furnish me with an updated credit report along with the names, addresses, and telephone numbers of the individuals who have been contacted.

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 2024-04-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have recently obtained a copy of my consumer credit report from your bureau and I am disputing the completeness and accuracy of the following information. This information is adversely affecting my consumer report, and I request that you promptly correct it. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX USAXXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. 

I trust that XXXX  days is a reasonable timeframe for your investigation. Following your investigation, please furnish me with an updated credit report along with the names, addresses, and telephone numbers of the individuals who have been contacted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: NJ

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
Greetings CFPB! 

I hope all is well. I filed XXXX complaints ( Complaint # XXXX and Complaint # XXXX ) with CFPB, against AidVantage, XXXX, XXXX, and XXXX to dispute inaccurate consumer report entries and demand that all entry accounts be removed from all XXXX ( XXXX ) consumer reporting agencies. 

To ensure accurate information is reported, I received current consumer reports from XXXX, XXXX, and XXXX ; reports generated between XXXX and XXXX, 2024. Upon my review of each report, I noticed that the accounts for Department of Education/AidVantage were removed from XXXX and XXXX ; yet, still exist on my XXXX report. 

AidVantage reported inaccurate information to all three consumer reporting agencies, and those agencies did not perform its due diligence or quality review to ensure pure accurate information was reported by AidVantage. Their actions violate 15 U.S. Code 1681 ( a ) ( b ). 

XXXX, XXXX, and XXXX are regulated by the laws of the Fair Credit Reporting Act ( FCRA ) and currently, XXXX ( XXXX ) AidVantage accounts were not removed by AidVantage and XXXX, a direct violation of FCRA ; willful non-compliance, per 15 U.S. Code 1681n ( a ) and 15 U.S. Code 1681o. 

Consumers lives are controlled by some aspect of what our background stories reveal and our credit worthiness, a term that is not defined by any code, statute, regulation, policy, or rule. However, businesses and every consumer reporting agency that exist are intentionally not abiding by codes, statutes, regulations, policies, or rules that protect consumers, like myself. Their intent to negatively impact consumers and not comply with laws that have been put in place, MUST be held accountable for their actions. 

I ask CFPB to review the XXXX prior complaints ( mentioned above ) and re-investigate AidVantage and Experians non-compliance to remove all AidVantage entries from the XXXX report because of the inaccurate information. I also seek the maximum fine for damages incurred ; actual and punitive. See attached, copies of the XXXX  ( XXXX ) accounts that still exist on my XXXX report. Invoices will be provided to AidVantage, XXXX, and XXXX XXXX  XXXX, XXXX. ( XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'm following up on my previous complaint with reference number XXXX. Although the credit bureau responded by deleting some inquiries from my credit file, none of the items I specifically complained about were addressed. The companies I listed, which legally accessed my credit under the provisions of 15 USC 1661B, include : XXXX XXXX XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XXXX on XX/XX/XXXX and XX/XX/XXXX XXXX XXXXXXXX on XX/XX/XXXX and XXXX, XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX I provided this list to TransUnion as instances of unauthorized credit inquiries not authorized by me. However, TransUnion technically sidestepped my initial request. I kindly request that my complaint be forwarded, and that the appropriate investigation be conducted.

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 2024-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX with no correspondence prior nor about the XX/XX/XXXX offset. After my denial for Medical discharge and having provided Medical documentation, I appealed for Forged Signatures Fraud and continuous Fraud appeals in XXXX, XXXX, XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: PA

Complaint narrative:
I always pay on time and never missed a payment.

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 2024-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion, XXXX, & XXXX is reporting incorrect information listed on the account XXXX  it has several inconsistencies which means this account has not been properly validated or verified. An account can not report XXXX different ways. 

Last Verified : XX/XX/XXXX -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX -- Account Rating : Closed Paid Paid Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX There are also several late payments that are reporting which is not correct this account was never late. These late payments should be immediately updated to paid as agreed. Each bureaus keeps redoing that it is verified but provides no evidence that they conducted a reasonable investigation because if they did the information would be provided to determine this.

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 2024-04-11 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: FL

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-04-11 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 information has been used without my consent and I want to remove all these inquiries off 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 2024-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I'm always making payments on my American Express Blue XXXX card to keep it current and to the balance down, Since I had the card I have paid it off many times. Lately, I have received emails informing me that my future transactions will be declined unless you make a payment. Because I always make payments, I feel that these are harassing emails which need to stop, I have already spoken with a representative at American Express concerning this issue and the emails continue.

Here are some of the emails I received : 1.A recent transaction has been approved American Express Logo XXXX XXXX XXXX Account ending : XXXX Card Art Alternate Text Future Transactions May Be Declined We recently approved a transaction, but based on your recent spending, you may reach your credit limit soon. 
Merchant : XXXX XXXX Transaction Amount : {$41.00} You may be able to avoid future declines by making a payment to reduce your balance.

Make a payment If you recently made a payment, we may still be processing the payment. 
2.Alternate Text Future Transactions May Be Declined We recently approved a transaction close to your credit limit. 
Merchant : XXXX XXXX  Transaction Amount : {$5.00} You may be able to avoid future declines by making a payment to reduce your balance.

Make a payment If you recently made a payment, we may still be processing the payment. 

*These are just XXXX out of the several similar messages I've been receiving. 

Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: HI

Complaint narrative:
I am writing to file a formal complaint against ( XXXX XXXX XXXX and MIDLAND CREDIT MANAGEMEN ) regarding their improper debt collection practices. It has recently come to my attention that the collection agency has engaged in harassing and intimidating behavior towards me and my family members. 

Specifically, the collection agency has contacted several of my family members in an attempt to obtain personal information about me. They have discussed sensitive information such as my payment history and debt, which is a clear violation of my privacy rights. Despite my repeated requests for legal documentation and proof of any contract between myself and the collection agency, they have failed to provide adequate evidence. Instead, they have only provided general information about the debt they claim to have purchased.They have only provided the fact that their letter to my old address was not returned to sender and the history of purchasing the debt even tho they have already been charged off by the original creditors. Thats not sufficient information and has no proof of my contract with original merchant ( signature, copy of Id, etc ) Furthermore, the collection agency has resorted to threatening and unprofessional language when contacting my family members. This behavior is unacceptable and is causing undue distress to both myself and my family. 

I believe that the actions of MIDLAND CREDIT MANAGEMEN and XXXXXXXX XXXX are in direct violation of the Fair Debt Collection Practices Act ( FDCPA ). They have failed to provide sufficient proof of the alleged debt, and their attempts to intimidate and harass me and my family are egregious violations of consumer protection laws. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against the above collection agencies, Their inaccurate information and unethical behavior must be addressed to ensure the fair treatment of consumers. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SUNCOAST CREDIT UNION
State: KY

Complaint narrative:
Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX above this account is listed but as XXXX different accounts it's all showing in correct information that does not belong to me. I've tried getting this removed before. 

it's showing across all three pass due on a " collection '' Date Last Payment : XX/XX/XXXX Inaccurate XXXX XX/XX/XXXX Inaccurate XXXX XX/XX/XXXX Inaccurate XXXX High Credit : XXXX Inaccurate XXXX XXXX Inaccurate XXXX XXXX Inaccurate XXXX These above is showing the high balance is higher than the original balance of the account that was opened. 

Last Reported : XX/XX/XXXX Inaccurate XXXX XX/XX/XXXX Inaccurate XXXX XX/XX/XXXX Inaccurate XXXX ALL OF THIS INFORMATION IS INCORRECT & NEEDS TO BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: AZ

Complaint narrative:
I've been following my credit reports and the information on my credit and transunion took XXXX points away from my credit because XXXX of my accounts was the balance was decreased I paid it down a little bit more. I've never seen this happen I do not understand why they would take away XXXX points for my credit report when I'm paying down my balance on my credit card and making my credit utilization a little better. I find this to be very deceptive practice very unfair and not consistent.

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Ive been making regular payments to my carecredit credit card and they have been reporting me deliquent and affecting my credit negativity. Ive been contacting the card company and they refuse tk help me instead they have closed the account and put my account as delinquent. Included in the attachments are screenshots from my babk account of the payments that have been made.

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 2024-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
According to FCRA 605B, we got ta take off wrong stuff from my credit report. Can you look at the papers? Some accounts listed aren't right. They need to go ASAP.

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 2024-04-11 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: MO

Complaint narrative:
I've identified fraudulent inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I've consistently made sure payments on this account are prompt, avoiding any instances of lateness. I find myself uncertain regarding the basis for late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

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 2024-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I've consistently made sure payments on this account are prompt, avoiding any instances of lateness. I find myself uncertain regarding the basis for late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
According to FCRA 605B, we got ta take off wrong stuff from my credit report. Can you look at the papers? Some accounts listed aren't right. They need to go ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: IL

Complaint narrative:
see attach

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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:
According to FCRA 605B, we got ta take off wrong stuff from my credit report. Can you look at the papers? Some accounts listed aren't right. They need to go ASAP.

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