vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute the reporting of a closed account on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines, all information provided to the credit bureaus must be accurate, complete, and verifiable.

The following closed account appears on my credit report, yet there are inconsistencies in its reporting : 1. XXXX XXXX XXXX This account does not meet Metro 2 compliance standards in one or more of the following ways : Accuracy : The account may contain incorrect dates, balances, or status not aligned with my records. 
Completeness : Incomplete information about this closed account is present, which misrepresents my creditworthiness. 
Under 15 U.S.C. 1681i, if any item on my credit report can not be verified as accurate, it must be removed. Given these discrepancies, I demand that this closed account entry be deleted from my report within 30 days

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 2025-01-29 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: IL

Complaint narrative:
I am writing to dispute the reporting of a closed account on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines, all information provided to the credit bureaus must be accurate, complete, and verifiable.

The following closed account appears on my credit report, yet there are inconsistencies in its reporting : 1. RXXXX XXXX XXXX This account does not meet Metro 2 compliance standards in one or more of the following ways : Accuracy : The account may contain incorrect dates, balances, or status not aligned with my records. 
Completeness : Incomplete information about this closed account is present, which misrepresents my creditworthiness. 
Under 15 U.S.C. 1681i, if any item on my credit report can not be verified as accurate, it must be removed. Given these discrepancies, I demand that this closed account entry be deleted from my report within 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of identity fraud theft and in results I have the following items of information that needs attention and to be removed I have not authorized or belong to me, Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-29 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I'm trying to pay Midland Credit Management but every time I call to pay, I'm always told that I need to talk to another department. they keep sending me round and round to a different department. I don't think they want me to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: Nelnet, Inc.
State: VA

Complaint narrative:
I've been trying to make payments on my federal student loans held by Nelnet for months. My account has continually been past due as a result. Each time I try to make a payment I get notified days later that it was rejected by my financial institution and returned. However I've tried to make payments from multiple institutions, from checking AND savings accounts, as both one-off and scheduled debits. Funds have never been pulled from any of the accounts. Each time the payment is listed as having been returned. I was told to re-enter the routing and banking information. I've done that multiple times. I was told to contact my bank, I did that and they said there wasn't a flag or issue on their end. I have tried to make payments of varying amounts as well, from $ XXXX {$700.00}. 

Below are a list of dates when payments were rejected : Auto payment applied : XX/XX/XXXX ( No funds pulled from the account ) Payment " returned '' by Nelnet : XX/XX/XXXX Autopayment applied : XX/XX/XXXX ( No funds were pulled from the account ) Autopayment updated : XX/XX/XXXX ( At recommendation of Nelnet ) Autopayment " returned '' by Nelnet : XX/XX/XXXX Automatic payments cancelled by Nelnet : XX/XX/XXXX Autopayment applied : XX/XX/XXXX Automatic payments cancelled by Nelnet due to " returned '' payment : XX/XX/XXXX XXXX time payment submitted : XX/XX/XXXX Payment not processed by Nelnet : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Customer Service Department ] XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute of Debt Collection Account Number PRSOGS To Whom It XXXX Concern, I am writing to formally dispute the debt claimed under account number PRSOGS for XXXX XXXX in the amount of {$11000.00}, as reported by XXXX XXXX XXXX. This letter serves as my official notice under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ) that I do not recognize this debt as valid and request full validation of the amount claimed.

Pursuant to my rights under the FDCPA, I request that you provide : - A detailed accounting of the alleged debt, including a breakdown of charges - Documentation proving that XXXX Debt Recover has the legal right to collect this debt - A copy of any signed agreement or contract associated with this debt Until proper validation is provided, I request that all collection efforts be ceased immediately. Any continued attempts to collect this disputed debt without proper verification may result in a complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities.

Additionally, I request that any adverse reporting to credit bureaus be suspended until this matter is resolved. If this debt has already been reported, I demand that it be removed or marked as disputed until a resolution is reached.

Enclosed with this letter are copies of any relevant documents supporting my claim. I expect a response within 30 days from the date of receipt of this letter, as required by law. Failure to comply may result in legal action to protect my rights.

Please direct all future correspondence regarding this matter to my mailing address listed above. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: FL

Complaint narrative:
To Experian : My identity was stolen and the email and phone number used to access my Experian account is not mine. I have called 5 times in the last 3 days. I have uploaded requested documents 5 times as well in near perfect quality and I am told repeatedly that the quality is degraded and unreadable on their end. I have requested that my credit be unfrozen, the fraud alert be lifted, and that my account be restored. There were promises of callbacks or responses, but neither my phone nor email account have any messages. The company is very difficult to contact, and whenever I find my way to a human voice, they almost always direct me to the automated phone system instead of actually trying to help me.

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 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I made a deposit from the US treasury on XX/XX/XXXX account was frozen. The funds fully deposited on XX/XX/XXXX and account is still frozen with fraud indicated I have supplied my ID Social Security card address, verification Social Security information and and department of treasury information and my account is still frozen with no communication and no end date

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 2025-01-29 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: SC

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal 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 2025-01-29 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: GA

Complaint narrative:
as in dispute requiring that experian provide proof of debt and looking through the fact that we went to court for his debt in the judgment was not granted. They are allowing a third-party to list a debt of {$42000.00} on my credit Ive disputed this item 3 times request request proof they continue to not send me proof they just keep on updating the debt.

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 2025-01-29 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 not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from 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 non-monetary relief
Consumer complaint received 2025-01-29 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
as in dispute requiring that experian provide proof of debt and looking through the fact that we went to court for his debt in the judgment was not granted. They are allowing a third-party to list a debt of {$42000.00} on my credit Ive disputed this item 3 times request request proof they continue to not send me proof they just keep on updating the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I called XXXX XXXX on XX/XX/XXXX to confirm my payoff amount and to make sure my payment was received before the end of the billing cycle to avoid the interest charge. The CSR confirmed both questions but on XXXX, I was still charged {$56.00} in interest. I called again when I discovered this charge on XX/XX/XXXX. The CSR didn't have an answer, so I asked for a supervisor. The supervisor said I owed the interest charge from the previous month ( even though I'd paid it ). I asked why it wasn't included in the payoff amount, if I still owed it and she didn't have an answer other than sometimes there are discrepancies. I think they didn't post my payment in time and that's why I was charged {$56.00} despite my payoff of the balance ( {$2900.00} ). The supervisor refused to refund the interest charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: FL

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
An XXXX guy called claiming to be from XXXX XXXX Experian from phone number XXXXXXXX XXXX XXXX NY. He asked for my Credit Card information and expiration date, and claimed that he wanted to lower my interest rates at XXXX to my phone number XXXX. I gave him a made up credit card number and expiration date, and he knew it was wrong, so I cursed him out because he asked why I was wasting his time. I hope yall find him and whip is XXXX. Thank you.

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 2025-01-29 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to not properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax constantly responds within XXXX hours stating the account is accurate without providing any evidence of a thorough investigation, this practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( file No. 2025-CFPB-0002 ) against them for similar violations, I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
This was considered closed and are still reaching out to me for payment on something that was proven I did not owe. To prevent further complications that sounds like a threat.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: IL

Complaint narrative:
I was a customer of XXXX XXXX XXXX in 2022. I held an auto and a renters insurance policy with XXXX XXXX XXXX. This policy was a company discounted policy through XXXX XXXX and this policy was being paid through payroll deduction. When I renewed my policy in XXXX of 2022, I was informed that XXXX was late on payment for my policy insurance policies with XXXX XXXX at which time, I made the payment. At this time I asked the rep who'd been renewing my policy to place a notation on my account to contact me via email and/or phone if payment is late by more than one day. I went further to explain that I am also a truck driver and being so, there are times I make a living on my drivers license driving over the road. Being so, there is never a time I can operate a vehicle without insurance and being over the road doesn't always allow me to collect my mail in a timely fashion, thus the reason I requested XXXX XXXX XXXX contact via email and/or phone. On XXXX I filed an auto claim with XXXX XXXX XXXX, on XXXX XXXX XXXX XXXX considered the vehicle a total loss, and on XXXX Liberty Mutual paid out the claim for my vehicle. I specifically mentioned this claim because nearly all communications between XXXX XXXX XXXX and myself regarding this claim was done so via email. On XXXX I recieved a bill from XXXX XXXX XXXX " via email '' totaling {$810.00} at which time I called XXXX XXXX XXXX because there must be some mistake. Upon contacting XXXX XXXX XXXX I was told by the rep that XXXX had not made a payment on my policy since XX/XX/year>. I was also told that XXXX requested the policy canceled in XX/XX/year>. Neither XXXX nor XXXX XXXX XXXX contacted me regarding this matter prior to XXXX. I went on to ask why XXXX XXXX XXXX waited all this time to contact me and I was told " they aren't allowed to contact the customer ''. After several calls to XXXX XXXX XXXX, no adjustments, no payment arrangement and no relief from their error the policy was canceled. XXXX XXXX then sold the debt to a debt collections agency for the entire amount of the policy term as if they hadn't received any payments on the policy which is currently on and negatively impacting my credit report scores. Conclusion : As a customer responsible for any debt, it is not an unreasonable expectation that a debtor would abs should notify the customer of any outstanding balances in a timely fashion. I don't believe waiting 5 months to contact a customer regarding deliquent payment is at all reasonable or even good business for that matter. I have a 100 % ontime payment history for all accounts reflected on my credit and I never utilize more than 30 % of my available credit. All this was thoroughly presented to XXXX XXXX XXXX and Equifax to no avail.

Company response to consumer: Closed with explanation