vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-29 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: EdFinancial Services
State: WI

Complaint narrative:
I have federal student loans from attending XXXX XXXX I have a pending Borrowers defense application. I could not log into my account, enroll in XXXXto pay or figure out why my loans are in XXXX.

I waited on hold or had Edfinancial, my loan servicer, call me back ( which didn't always come ) for 4 days. One day for nearly 8 hours of waiting and still never got through. Finally, after getting through, I asked why my loans were put into forbearance when I specifically requested that I did not want forbearance in my Borrowers defense application. The person I spoke to didn't know what borrowers defense was let alone how to pronounce it. I also asked why I couldn't log in to their site. He said it was because of Borrower 's defense. I said I should be able to view my loans and what I owe even if I have a pending Borrowers defense application. I also asked to be able to enroll in autopsy but was denied that as well since I am currently in Forbearance ( but do not want to be! ) By the end of the call after he spoke with a manager, he said after 4 business days my loans would be out of forbearance. 

My loans are still in forbearance nearly one month later. I do not have time to wait on hold for hours and hours each day to keep checking on this situation that should have never happened. 

I have also file a complaint with the department of education ( studentaid.gov ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 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: NJ

Complaint narrative:
in accordance with the fair credit reporting act XXXX XXXXXXXX # XXXX XXXX XXXX which was said to b opened XX/XX/XXXX XXXXXX/XX/2022 has violated my rights. 

15 U.S.C 1681 section 602 A states I have a 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 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: NJ

Complaint narrative:
in accordance with the fair credit reporting act XXXX XXXXXXXX # XXXX XXXX XXXX which was said to b opened XX/XX/XXXX XXXXXX/XX/2022 has violated my rights. 

15 U.S.C 1681 section 602 A states I have a 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

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 2023-10-29 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: TN

Complaint narrative:
I pulled my consumer report on XXXX, I noticed inaccurate information on my credit report. I sent out a notice on XXXX, the notice was not for verification of the account or proof of my mailing address but a request for validation pursuant to the FDCPA 15 USC 1692 ( G ) section 809 ( B ). The companies did not send the requested validation and the account ( s ) remained on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I pulled my consumer report on XXXX, I noticed inaccurate information on my credit report. I sent out a notice on XXXX, the notice was not for verification of the account or proof of my mailing address but a request for validation pursuant to the FDCPA 15 USC 1692 ( G ) section 809 ( B ). The companies did not send the requested validation and the account ( s ) remained on my 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 2023-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: CA

Complaint narrative:
This account is showing in collections when this is XXXX XXXX error. When we first opened the account we asked to changed the account name to my Husbands and after they changed it we never received a bill under my name. The bill was under my husbands name and we paid all our payments on time and was never late. After our contract or promotion expired. We received this under my credit. This is an error and they have not fixed it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 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: WA

Complaint narrative:
well on the date of XX/XX/2023 i filed a dispute through the CFPB to XXXX XXXX an XXXX as well due to the fact that there are reporting incorrect info on my credit report that is damaging my life in way not even known and they both got back to me one in just a Little under a month and thee other in just a little over month witch is not legal but anyway to put it short they are both saying the same thing to me about not being able to understand what it is that i am filing about well it is clear to see an is clearly not rocket since i have sent screen shoots to back my claim as well but here i am doing this again because i filed a dispute with experian as well and they are getting back to me with the same response as well so here i am to clear the air one more and hopefully final time so that they understand i have updated info on the things that i am filing about and will one again post screen shoots with this dispute please help for one they want up to date address info and that i do not have because i am currently XXXX XXXX XXXX XXXX so as far as an address to give i dont have one no one wants to rent to me because i have bad things on my report and to boot there are all different on each sight and all i get is this nonfiction saying that my reports are out of date and will up date in x amount of days or i can just pay to have updated right away witch i dont think is legal either not sure but this is really crazy that to know what i am talking bout they need to know about my past an current living situation its wrong and just down right unfair and it need to be fix so again i am saying its not rocket silence if all 3 are not reporting the same then that is grounds for removal getting back to me 30 or more after i file a dispute is also grounds for removal of any negative info on my report and one deletes it all of them have to delete it so please do so asap thanks

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 2023-10-29 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:
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. 

Account name : # XXXX, has violated my rights. 

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 an 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 2023-10-29 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: OK

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX Account # XXXX, has violated XXXX 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions

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 2023-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am formally complaining against LVNV FUNDING LLC I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any XXXX party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ). 

I have never done any business with LVNV FUNDING LLC nor can they provide any contracts that I owe then any money yet they continue to report this information on my credit files to all the 3 credit reporting agencies. 

I have contacted LVNV FUNDING LLC who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that LVNV FUNDING LLC stand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 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: KS

Complaint narrative:
i have sent them letters requesting they remove incorrect information off my credit report. I have asked them to send me proof that those are my accounts. They sent me a letter accusing me of using a credit repair company. i Called to remove inquires i get told i need to call them directly. they also sent me some papers requesting me to fill out an investigation i have already done that.

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 2023-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am formally complaining against MIDLAND CREDIT MANAGEMENT INC I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any XXXX party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ). 

I have never done any business with MIDLAND CREDIT MANAGEMENT INC nor can they provide any contracts that I owe then any money yet they continue to report this information on my credit files to all the 3 credit reporting agencies.

I have contacted MIDLAND CREDIT MANAGEMENT INC who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that MIDLAND CREDIT MANAGEMENT INC stand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29 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: KS

Complaint narrative:
i have sent them letters requesting they remove incorrect information off my credit report. I have asked them to send me proof that those are my accounts. They sent me a letter accusing me of using a credit repair company. i Called to remove inquires i get told i need to call them directly. they also sent me some papers requesting me to fill out an investigation i have already done that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
i have sent them letters requesting they remove incorrect information off my credit report. I have asked them to send me proof that those are my accounts. They sent me a letter accusing me of using a credit repair company. i Called to remove inquires i get told i need to call them directly. they also sent me some papers requesting me to fill out an investigation i have already done that.

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 2023-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VI

Complaint narrative:
While I deeply appreciate the services and credit extended to me by financial institutions, I find myself perplexed at the inability to secure credit limit increases on my accounts. Notably, all of my accounts are in good standing, with a consistent history of on-time payments. Additionally, I have recently experienced a significant increase in my monthly income, which bolsters my financial stability and capability to manage credit responsibly. Given these positive factors, I am keen to understand the criteria or concerns preventing the approval of credit increases. I believe that a reconsideration based on my improved financial position and impeccable credit management would be both fair and beneficial for both parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MD

Complaint narrative:
Dear IC System Team, I am reaching out to file an urgent complaint regarding an unauthorized and fraudulent collection account reported by IC System on behalf of XXXX XXXX XXXX, which has appeared on my credit report. This account is a direct result of identity theft and is causing significant distress to my financial standing. 

I want to emphasize that I have never conducted any business or held an account with XXXX XXXX XXXX at the address associated with this collection account. This discrepancy indicates a clear case of identity theft, which has unfairly impacted my credit history and overall financial well-being. 

The presence of this unauthorized collection account has created an erroneous and unjust impact on my credit report. I am formally requesting the immediate removal of this account from my credit report. Additionally, I insist that all collection activity related to this account by IC System cease immediately. 

It is evident that the reporting of this account violates the Fair Credit Reporting Act ( FCRA ) due to its fraudulent nature, and I firmly believe it infringes upon my rights as a consumer. I demand prompt action to rectify this situation and to restore the accuracy and integrity of my credit report. 

Enclosed with this complaint, you will find supporting documentation that substantiates the claim of identity theft and the erroneous reporting of this collection account by IC System. 

I urgently seek your intervention to investigate this matter and ensure the immediate removal of this fraudulent account from my credit report. Additionally, I request your assistance in halting all collection activities associated with this account. 

Please do not hesitate to contact me should you require further information or supporting documentation. 

Thank you for your immediate attention to this matter. I eagerly await your prompt resolution and assistance in addressing this issue. 

Sincerely,

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 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My credit score with Tansunion suddenly dropped from XXXX to XXXX with no reason given. It was very surprising because I had THREE positive changes in my usage of credit, total debt and available credit with no negatives reported with the drop in my credit score. My XXXX  score is at 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 2023-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am formally complaining against MIDLAND CREDIT MANAGEMENT INC I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any 3rd party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ). 

I have never done any business with MIDLAND CREDIT MANAGEMENT INC nor can they provide any contracts that I owe then any money yet they continue to report this information on my credit files to all the 3 credit reporting agencies. 

I have contacted MIDLAND CREDIT MANAGEMENT INC who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that MIDLAND CREDIT MANAGEMENT INC stand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29 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: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 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: 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. 

Account name : # XXXX, has violated my rights. 

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 an 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 2023-10-29 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:
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. 

Account name : # XXXX, has violated my rights. 

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 an 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 response to consumer: Closed with non-monetary relief