vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-05 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: Self Financial Inc.
State: MS

Complaint narrative:
You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Num ), has violated several of my rights.15 U.S.C 1681 section 602 A. Clearly states that 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 16668 : A creditor may not treat a payment on a credit card account under a open-end consumer credit plan as late for any purpos Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reparting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am astonished by your claim that the fraudulent accounts on my credit report have been verified as accurate, as this contradicts the truth of the matter and the actions taken by other credit bureaus. It is perplexing that while other credit reporting agencies have followed suit and appropriately addressed similar disputes, your bureau seems to be neglecting its obligation to comply with the law and provide accurate information. I have not received any substantial information or evidence to support the alleged verification process that you claim to have undertaken. It is my right, under the Fair Credit Reporting Act ( FCRA ), to be informed of the specific details surrounding the verification process, including the evidence used and the entities involved in the investigation. 
XXXXXXXX XXXX XXXXXXXX PLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXXXXXX XXXX XXXXXXXX PLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXX XXXX XXXX XXXXXXXX PLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXX XXXX XXXX PLEASE DELETE!!! 

I urge you to conduct a swift and thorough investigation into my dispute and rectify the inaccuracies in my credit report. I expect a timely and detailed response to this letter, including the specifics of the alleged verification process and the evidence used to support your claim. I also request an immediate correction of the fraudulent accounts on 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 2024-01-05 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: MOHELA
State: MN

Complaint narrative:
The whole process with Mohela has been very frusterating and confusing. From taking almost two months to respond to a customer service question, to confirming auto-debit, but then nothing was auto-debited, I am left confused and concerned that they are handling my loan repayment properly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
LATE PAYMENTS BEING REPORTED DUE TO FRAUDLENT ACTIVITY not done by me. I had two credit cards with Capital One, during my military XXXX these cards were closed due to " fraudlent activity '' I was only notified of this after applying for a home loan, I called capital one numerous times since I became aware of the situation to try to rectify the situation over a period of months, every time I call the customer service line I get a different story. I was told my account was not closed to fraud but due to returned payments to which I never received any notices of any account closures or returned payments. I am IN THE MILITARY XXXX FIGHTING FOR THE COUNTRY and no help has been extended to me to fix the situation then I was told an investigation was done an there was nothing I can do and their decision is final. One representative told me that if I pay the accounts off in full the derogatory information ( late payments ) would be removed and the account would remained continue to be closed, this was not the case and was a complete lie after I paid in full. My credit report still shows XXXX 30 day late payments and XXXX 60 day late payments. I called them to do as they promised, I was told that the only way payments in full would be requested if I wanted to reopen credit cards and that information that the representative shared with me was wrong and I can file a complaint internally but the late payments would remain. my question is how can I be responsible for charges and late fees that was considered fraud but then they say my account status changed and my account was shut down due to returned payments, to which I wasn't notified of this either. This is destroying my credit. I have paid the closed balances off in full and they are insistent on reporting fraudlent late payments, it is not my fault that their customer service representative was not properly trained and gave out improper information. I am requesting that Capital One remove any accounts from my credit report, completely or remove the fraudulent late payments. It provides them no benefit to report this since I caused them no loss and paid the accounts in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: TX

Complaint narrative:
On XX/XX/2024 I pulled my Equifax credit report and discovered a debt with account name : XXXX XXXX XXXX  that is in error and has been posted to my credit report without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am astonished by your claim that the fraudulent accounts on my credit report have been verified as accurate, as this contradicts the truth of the matter and the actions taken by other credit bureaus. It is perplexing that while other credit reporting agencies have followed suit and appropriately addressed similar disputes, your bureau seems to be neglecting its obligation to comply with the law and provide accurate information. I have not received any substantial information or evidence to support the alleged verification process that you claim to have undertaken. It is my right, under the Fair Credit Reporting Act ( FCRA ), to be informed of the specific details surrounding the verification process, including the evidence used and the entities involved in the investigation. 
XXXX XXXX XXXX XXXX  PLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXX XXXX XXXX PLEASE DELETE!!! 

I urge you to conduct a swift and thorough investigation into my dispute and rectify the inaccuracies in my credit report. I expect a timely and detailed response to this letter, including the specifics of the alleged verification process and the evidence used to support your claim. I also request an immediate correction of the fraudulent accounts on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am astonished by your claim that the fraudulent accounts on my credit report have been verified as accurate, as this contradicts the truth of the matter and the actions taken by other credit bureaus. It is perplexing that while other credit reporting agencies have followed suit and appropriately addressed similar disputes, your bureau seems to be neglecting its obligation to comply with the law and provide accurate information. I have not received any substantial information or evidence to support the alleged verification process that you claim to have undertaken. It is my right, under the Fair Credit Reporting Act ( FCRA ), to be informed of the specific details surrounding the verification process, including the evidence used and the entities involved in the investigation. 

XXXX XXXX XXXXXXXX PLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXXXXXX XXXX XXXXXXXX PLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXX XXXX XXXX PLEASE DELETE!!! 

I urge you to conduct a swift and thorough investigation into my dispute and rectify the inaccuracies in my credit report. I expect a timely and detailed response to this letter, including the specifics of the alleged verification process and the evidence used to support your claim. I also request an immediate correction of the fraudulent accounts on 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 explanation
Consumer complaint received 2024-01-05 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: SC

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. 

XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : 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
Consumer complaint received 2024-01-05 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: GA

Complaint narrative:
Company claimed to be deleting this from report still shows on 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 2024-01-05 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: GA

Complaint narrative:
Company claimed to be deleting this from report still shows on report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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:
Company claimed to be deleting this from report still shows on 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 2024-01-05 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USCS 1681. 

These are the inaccuracy to stopping me to get the ability for apply new Car Loan, applying for the credit cards or in the future to apply for a Mortgage or personal Loans, All of these Accounts has violated my Rights. 

These are my CLOSED CREDIT CARDS with Account Numbers : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section Sates : 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 conviction of crimes which antedates the report by more than seven years. 

15 U.S.C 1681 S -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
Consumer complaint received 2024-01-05 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USCS 1681. 

These are the inaccuracy to stopping me to get the ability for apply new Car Loan, applying for the credit cards or in the future to apply for a Mortgage or personal Loans, All of these Accounts has violated my Rights. 

These are my CLOSED CREDIT CARDS with Account Numbers : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section Sates : 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 conviction of crimes which antedates the report by more than seven years. 

15 U.S.C 1681 S -2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: GA

Complaint narrative:
CROWN ASSET MANAGEMENT communicated with me regarding an alleged debt. I informed them I refuse to pay and I wish they stop communicating with me. CROWN ASSET MANAGEMENT failed to cease communication, instead, they have committed identity theft and provided my personal and private non public information to a non interested 3rd party.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: DISCOVER BANK
State: KY

Complaint narrative:
Discover randomly decided to close my credit card after asking for my tax return information. I gave them what they asked for and they still closed my account, damaging my credit by doing so, even after using them with no issues for XXXX years. I had XXXX dollars balance on this card. 

Come to find out, my card has been getting charged payments for XXXX dollars every single month, sometimes XXXX  a month, for a year. My account was closed on XX/XX/XXXX. 

Discover did NOTHING to fix this. Their customer service is useless. Here are the charges and the dates : 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 response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: CA

Complaint narrative:
Edfinancial has made misleading statements about its autopay program and the accompanying 0.25 % interest rate reduction. As recently as XX/XX/XXXX, Edfinancial claims that " While your account is in active repayment and enrolled in Auto Pay, you will receive an interest rate reduction of 0.25 % '' from XXXX XXXX  XXXX XXXX XXXXedfinancial.com/autopay. However, there is no sign of a functional autopay system, much less a 0.25 % interest rate reduction for enrolling in the program. 

I have been trying to set up my autopay since XX/XX/XXXX. After another autopay request on XX/XX/XXXX via my bank account ending in XXXX was not successful, I contacted an agent on XX/XX/XXXX, where the agent told me to wait. After waiting for another month, I contacted an agent again on XX/XX/XXXX. This time, the agent told me the issue was with my bank not authorizing the autopay, and to try again if the bank had no record of it. I contacted my bank, and they said they did not receive anything. Following the agent 's instructions, I submitted another autopay request on XX/XX/XXXX, this time with a different bank, the account number ending in XXXX. As expected, the request still has not been successful. As a result, I contacted an agent yet again on XX/XX/XXXX. The response was wait another 1-2 billing cycles. However, there is very strong reason to believe that this does not constitute an attempt to resolve my issue, given that there are numerous reports of this happening online, and autopay still not working after 2 billing cycles. See XXXX XXXX XXXX and XXXX XXXX XXXX for examples of people being told to wait 2 billing cycles and autopay still not succeeding. 

I have emailed Edfinancial with this information, but they said my issue was resolved in my most recent conversation with them, even though I clearly stated that the most recent conversation did nothing to resolve the autopay issues. See the attached files for the emails in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: SC

Complaint narrative:
I sent letters last month to the 3 credit bureaus but the all letters has been ignored. I sending this complaint to let the bureaus know that I'm sending my letters on my own. I never hired or use 3rd party to send and file complaint against to the bureaus. I hope it will help to response to my complaint. 


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 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 2024-01-05 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: SC

Complaint narrative:
I sent letters last month to the 3 credit bureaus but the all letters has been ignored. I sending this complaint to let the bureaus know that I'm sending my letters on my own. I never hired or use 3rd party to send and file complaint against to the bureaus. I hope it will help to response to my complaint. 


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 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 explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Glasser and Glasser, PLC
State: MD

Complaint narrative:
I am filing this complaint against XXXX XXXX represented by Glasser and Glasser PLC, related to an ongoing lawsuit for an alleged debt, which was the subject of previous CFPB complaints ( XXXX  and XXXX ) in XX/XX/XXXX. These complaints addressed Discover Bank 's failure to provide necessary documentation to validate the alleged debt. 

Despite my requests for debt validation, XXXX XXXX through Glasser and Glasser PLC, filed a lawsuit on XX/XX/XXXX, without my knowledge and while the debt validation request was still pending. This was before their response to CFPB complaint number XXXX on XX/XX/XXXX, which was my first indication of the lawsuit when XXXX XXXX mentioned it in their response.

In a court filing on XX/XX/XXXX, Glasser and Glasser claimed that on XX/XX/XXXX, I evaded service, an assertion I categorically deny. This claim of evasion of service is particularly concerning as it could have led to a summary judgment against me based on false information. A copy of the documents filed by Glasser and Glasser is attached, unfortunately I have yet to receive a copy of the case information from either party and can not provide at this time.

I am concerned about the potential violation of fair debt collection practices and request a thorough investigation into these actions by XXXX XXXX  and Glasser and Glasser PLC. The opposition noting the evasion of service is attached.

Company response to consumer: Closed with explanation