vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I was contacted by Midland Credit Management in XXXX of XXXX and told that a lawsuit was filed against me for {$3100.00} for a XXXX XXXX XXXX I called Midland credit on XX/XX/XXXX and i was told by the representative that the statement was going to XXXX XXXX XXXX XXXX XXXX XXXX Florida. I have lived in Texas my whole life and I informed MCM ( midland credit management ) that this was not me. I also informed them that the same address that MCM said the statements were going to had been disputed years ago and it was 2 addresses that were not mines. they said that they would open a dispute case and that it would take 90 days, but today on XX/XX/XXXX i received a call from MCM again saying that a dispute was NEVER filed. So today another dispute was supposed to be opened by MCM CORRECTLY and i should hear from them within 90 days. The person in Florida has opened a credit card, apartment, and house under my SSN. i have disputed it with XXXX and my account has a freeze on it now. I have no knowledge of this card. I was informed to make a police report so I called XXXX Police here where I live on XX/XX/XXXX and I was told that there is nothing they can do because the fraud is happening in Florida. So, I called non-emergency in Florida and I was told that i had to call my local police and file a report then a detective from here would have to get in touch with them because they don't take reports over the phone. so, I called XXXX police again and was told again there was nothing they could do but they would give me a report number showing that i tried to file report. I spoke with officer XXXX, Report # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 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:
( to drop into the comment section of a new claim HERE ) Greetings XXXX, I am requesting immediate XXXX action to remove all of the following hard inquiries from my credit report. 
In XXXX to code 15 USC 1666a : Regulation of credit reports, all hard inquiries made without my approval must be removed within XXXX hours to prevent any further damage against my personal credit history and active business endeavors on behalf of my company. 

PRIMARY DISPUTE : The following inquiries were not authorized by me and must be removed : XXXX XXXX of 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  By way of code 15 USC 1666a : Regulation of credit reports, I standby my rights to a fair & accurate credit report. I would like to express my advance gratitude to the CFPB for protecting my rights. Should this not be removed in XXXX i will follow up with a fee schedule that establishes the amount due per damage to myself, my company, and all other corporate personnel. 
Thank you in advance for your assistance. I am on standby for a confirmation number as indicative of the XXXX notice & implementation. 
Please contact me here for any further clarity or assistance. 
CFPB XXXX XXXX Sincerely, By Direction of XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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:
( to drop into the comment section of a new claim HERE ) Greetings XXXX, I am requesting immediate XXXX action to remove all of the following hard inquiries from my credit report. 
In XXXX to code 15 USC 1666a : Regulation of credit reports, all hard inquiries made without my approval must be removed within XXXX hours to prevent any further damage against my personal credit history and active business endeavors on behalf of my company. 

PRIMARY DISPUTE : The following inquiries were not authorized by me and must be removed : XXXX XXXX of 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  By way of code 15 USC 1666a : Regulation of credit reports, I standby my rights to a fair & accurate credit report. I would like to express my advance gratitude to the CFPB for protecting my rights. Should this not be removed in XXXX i will follow up with a fee schedule that establishes the amount due per damage to myself, my company, and all other corporate personnel. 
Thank you in advance for your assistance. I am on standby for a confirmation number as indicative of the CFBs notice & implementation. 
Please contact me here for any further clarity or assistance. 
CFPB XXXX XXXX Sincerely, By Direction of 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 explanation
Consumer complaint received 2024-07-18 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:
My account with XXXX XXXX  was never late! I have had exceptional payment history with XXXXXXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 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: IL

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-07-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NH

Complaint narrative:
I would like you to look into the fact that part of my consolidated loans ( there were direct federal loans consolidated into this private student loan consolidation account ) with FirstMark Services are denying to give me a school misconduct discharge application. I asked for the school misconduct application, shared with them that I have BD approval and am part of the post-class applicants for the XXXX XXXX XXXX lawsuit, and my request to receive the application was denied. I went to XXXX XXXX XXXX XXXX XXXX XXXX from XXXX, and filed in time for the post-class action lawsuit, which means I am qualified for a full refund of Direct Federal loan payments made to date, and discharge of the remaining balance. They are currently only allowing me to go into forbearance for 2 months, then I will have to wait 12 months before requesting forbearance again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Unified Global Solutions LLC
State: OK

Complaint narrative:
The XXXX XXXX got super violent made threats and yelled and threatened to garnish wages and made jokes about garnishing my wages and hung up in my face

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate information that both XXXX and Discover Bank have reported on my credit report. These inaccuracies have significantly impacted my XXXX XXXX and have caused undue hardship. Please remove the inaccurate information from my credit report and send me an updated copy of my credit report after the corrections have been made. Additionally, please send a confirmation letter to the addresses listed above once this issue has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2024-07-18 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 do not have a contract with the current creditors. Please remove the following accounts from my credit.

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 2024-07-18 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:
This account is being reported when XXXX sent me information stating it to be removed in 2023 it need to removed immediately.

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 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

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 2024-07-18 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: Nelnet, Inc.
State: FL

Complaint narrative:
I reached out to XXXX to dispute an incorrect name on my credit report, XXXX XXXX XXXX. My name is not XXXX XXXX XXXX. My name is XXXX XXXX. They explained they could not remove the name because there is an account under this name. As a result, I would like to dispute the accounts associated with the name XXXX XXXX XXXX. My credit report needs to contain accurate and information that is mine. I have attached documentation of the accounts in question and copy of my drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: GA

Complaint narrative:
I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong to 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 non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Chime Financial Inc
State: OH

Complaint narrative:
{$9.00} was taken out my account and i didnt authorize this this is the second time that money was taken out my account I reported the card lost and stolen on XX/XX/XXXX they sent me a email stating my card was on the way and it never came

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 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: TX

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

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 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late paymen t reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Navient sent over the school misconduct application because the complaint sent said I meet the criteria to receive an application. After submitting information and evidence I am now being informed of my denial without facts or reasoning. Navient did not provide the specific criteria why I now don't receive a discharge or refund for school misconduct when I meet the criteria to receive an application. Please see below from Navient ; We have completed a review of your application and have determined your applicable private student loans are not eligible for discharge due to the following reason ( s ) : Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate information that both Equifax and XXXX XXXX  have reported on my credit report. These inaccuracies have significantly impacted my credit score and have caused undue hardship. Please remove the inaccurate information from my credit report and send me an updated copy of my credit report after the corrections have been made. Additionally, please send a confirmation letter to the addresses listed above once this issue has been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Blockchain.com, Inc.

Complaint narrative:
For over 2 years my trading account balance of XXXX has been held on to. I see my balance but I have been unable to withdraw it for the last 2 years since XXXXXXXX XXXX  After continous pressure, I got a response 2 months ago requesting I should show the origins of the crypto ; details of transaction with the crypto exchange, details of XXXX currency transaction with XXXX XXXX, bank statement of these transactions, and my payslip and other sources of income. I provided all requested transaction details, payslips, bank statements and other sources of income. However, despite providing all the requested proofs Blockchain is still yet to release my crypto.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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:
I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong to 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