vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am writing regarding Equifax inaccurately reporting my information. I have tried to rectify this and have sent several letters, along with my drivers license, but it still has not been fixed. This has caused me to receive denials for housing, credit and other things. This inaccuracy started when my information was compromised in the massive 2017 data breach that exposed the private data of nearly 150 million people. I was included in that settlement but for some reason Equifax always states they never received my paperwork, so my claim has been denied. The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report. I will also be filing this complaint with the Attorney General and other entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citi will NOT award me the bonus miles on my credit card even though I met their requirements of minimum spend they owe mXXXX XXXX XXXX on my business card

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 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I have sent a dispute on XX/XX/year> to XXXX, XXXX, Equifax. In return I received a stall letter or or email from XXXX, and XXXX, from Equifax I have not received anything from. From XXXX The stall letter message was emailed to me XX/XX/year> XXXX Which I have attached proof, I received on XXXX XXXX at XXXX which has been attached as well. You will also see in my attached documents my disputes of the inaccurate information, asking for validation of said information. I have also attached a letter from the court clerk stating they do not report this information to anyone, as well I have included in my disputes proof of address, and my Government issued ID show that it is indeed me. Along with proof that it has been delivered, and how it is inaccurate on my credit report. I am requesting that this inaccurate information be deleted at once, as I feel like I have provided more than enough information. If this does not get removed. I will contact my lawyer and the federal courts to sue for damages and removal of this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I have sent a dispute on XX/XX/year> to XXXX, Experian, XXXX. In return I received a stall letter or or email from XXXX, and Experian, from XXXX I have not received anything from. From XXXX The stall letter message was emailed to me XX/XX/year> XXXX Which I have attached proof, I received on XXXX XXXX at XXXX which has been attached as well. You will also see in my attached documents my disputes of the inaccurate information, asking for validation of said information. I have also attached a letter from the court clerk stating they do not report this information to anyone, as well I have included in my disputes proof of address, and my Government issued ID show that it is indeed me. Along with proof that it has been delivered, and how it is inaccurate on my credit report. I am requesting that this inaccurate information be deleted at once, as I feel like I have provided more than enough information. If this does not get removed. I will contact my lawyer and the federal courts to sue for damages and removal of this off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management
State: LA

Complaint narrative:
I went to purchase an open car hauler. They were offering rent to own for the unit I was looking at. Filled out the application and it was declined due to my drivers license ( XXXX  ) was too worn to read. I just paid cash for the unit. List price was XXXX. I received a XXXX discount and ended up paying XXXX cash for the trailer. Filled out the paperwork for the tags and title then brought the trailer home. I received the title XXXX  days later. I never financed anything. I received a call over a year later from the 3rd party collection agency and I was told that I owed XXXX ( not sure the exact amount she said ) on the trailer. I asked how could the trailer that was allegedly financed go from XXXX to XXXX if I didnt pay anything on this alleged loan. I was told that there had been a stolen vehicle report filed and it was in XXXX  or XXXX  something like that. I asked who was the one who filed the report because Im  the registered owner and I had sold the trailer in order to purchase an enclosed trailer which better suited my needs. She couldnt answer the questions. She volunteered to send me a copy of everything she had in my file. I asked if the said contract had approved or declined on it. She just repeated that shed send me copies of everything. I contacted the gentleman that bought the trailer from me and he said someone had showed up at his place saying the trailer was in default. He went inside and retrieved the title and registration and presented it to the guy. The guy told him that it must be a mistake in the file and left. I never received a single piece of information that was claiming that I financed anything. Not to mention howd I had a title to the trailer. Because it wasnt financed. I dont have a clue as to why this is on my credit and impacting my life because of someone not doing their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: WA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
American Express started calling me in XX/XX/year> to demand collection on a business credit card account. American Express instituted collection on my personal social security number for a business credit card on or about XX/XX/year>. Requested over the phone numerous times when they called trying to collect on the debt that they send me statements and the paperwork showing that I have personal liability for the debt. They only sent me the statements which showed my business partner had run up thousands of dollars in debt on personal charges ( cruises, travel, clothing, personal utilities, etc. ). They have never sent any evidence that I am personally liable for the charges. 

Certified letter sent to Amex XX/XX/year> demanding the paperwork with copies to XXXX, XXXX, and XXXX. Still have not received that paperwork. 

XXXX sent XX/XX/year> from XXXX XXXX XXXX will be collecting the debt. XXXX their pre-filled out form requesting dispute of the debt and for them to send us the name and address of the original creditor ( Reference XXXX ). Still no response., Received letter from XXXX XXXX XXXX XXXX that they were handling the collection. Sent a letter to them via email on XX/XX/year> demanding paperwork. Received a response on XX/XX/XXXX that showed a one-page document with the cover letter stating " Dear XXXX XXXX XXXX we are pleased to send you a copy of your Cardmember Agreement. '' No proof that I am the guarantor on the account or that I am the one that opened the account. 

Received letter XX/XX/year> from American Express Credit Bureau Unit that our account is recorded as " in dispute. '' Received letter from XXXX XXXX XXXX dated XX/XX/XXXX regarding a debt validation request sending " statements and any other relevant documentation to serve as validation of debt. '' They ONLY sent the statements. No proof that I am the guarantor on the account or that I am the one that opened the account. 

Called XXXX XXXX XXXX XX/XX/XXXX. Spoke to XXXX XXXX at ( XXXX ) XXXX. Requested original documentation of guarantor signature. To date, no response. 

Left message with XXXX XXXX XXXX again XX/XX/XXXX. Their message said we will receive a return call within 24 hours. No response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NC

Complaint narrative:
I am trying to consolidate my loans with the US Department of Education ( XXXX XXXX ). MOHELA is my loan servicer. 
They are reporting my loans as being in an " in school '' status based on information from NSLDS ( National Student Loan Data System ) that they claim has me listed as a part-time student. The information being reported by MOHELA is incorrect. I graduated from XXXX XXXX XXXX XXXX on XX/XX/2024. This school is trying to assist me in clearing up this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: FL

Complaint narrative:
I am writing to disputed account on my credit report that were made withot my consent. According to section 604 of the FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1B ) THERE ARE SPECIFIC PERMISSIBLE PURPOSES FOR OBTAINING A CREDIT. I dis not uthorize these account and can not find any permissible purpose under this section that justifies their presence on my report, ACCOUNT XXXX XXXX XXXX XXXX AND XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: FL

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, Account name : FST PREMIER # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 

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 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Dispute of Unauthorized Credit Inquiries To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: Prosper Marketplace, Inc.
State: VA

Complaint narrative:
I have disputed these with each of the companies and they haven't given me any updates on the situation, and this is affecting my credit score heavy.

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 2024-08-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jana Ferrell & Associates LLC
State: OK

Complaint narrative:
Delete this account since you can't demonstrate that it belongs to me, despite the fact that you're reporting it without any supporting evidence. Please give proof that my rights have not been violatedand that this account should be shown on my credit record. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC
State: IL

Complaint narrative:
I blocked many of their numbers. I called their number back and said to stop calling. Then afterwards got text messages instead, to which I replied " STOP ''. I started getting phone calls again after that and this time requested them to find my account number and info ( told them my name and phone number ). They refused to tell me anything and kept saying " we will stop calling you. '' Made it seem suspicious. The phone calls were constant, to the point of harassment. Disturbed my day-to-day activities and completing my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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:
XX/XX/XXXX Subject : Request to Remove Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : XXXX. The following account is not mine XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 


In accordance with the Fair Credit Reporting Act, I hereby request that you investigate and rectify these items, thereby removing them from my credit report. It is my understanding that you will verify these items with the relevant creditor. Any information that the creditor is unable to verify should be promptly eliminated. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), you are obligated to complete this reinvestigation within 30 days of receiving this letter. 

Kindly provide an updated copy of my credit report to the aforementioned address. According to the legislation, there should be no charge for this updated report. Additionally, I request that you notify any party who has received a copy of my credit report within the past XXXX months about the corrections made. 

Thank you for your attention and assistance in resolving this matter. 

Yours sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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:
XX/XX/XXXX Subject : Request to Remove Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : XXXX. The following account is not mine XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 


In accordance with the Fair Credit Reporting Act, I hereby request that you investigate and rectify these items, thereby removing them from my credit report. It is my understanding that you will verify these items with the relevant creditor. Any information that the creditor is unable to verify should be promptly eliminated. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), you are obligated to complete this reinvestigation within 30 days of receiving this letter. 

Kindly provide an updated copy of my credit report to the aforementioned address. According to the legislation, there should be no charge for this updated report. Additionally, I request that you notify any party who has received a copy of my credit report within the past XXXX  months about the corrections made. 

Thank you for your attention and assistance in resolving this matter. 

Yours sincerely, 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 2024-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American Express is stating that I have an unpaid balance due, but they also stated they have adjusted the balance because they did receive the payment. The balance due is actually an interest dividend payment due to me in the name of XXXX XXXX XXXX. I have requested the payment due to my legal name, be applied back into the account for further use. Redemption of payment was made by the bills and payments coupons ( negotiable instruments ) via XXXX XXXX XXXX  to American Express XXXX XXXX in XXXX, CA and to their Investor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY . American Express is not acting in the best interest of the XXXX XXXX XXXX XXXX. By withholding access to my credit via the access device card provide, is causing emotional, mental, physical, phycological & financial stress. I had to quit Culinary school, miss medical appointments and lost my job because American Express began restricting my card after trying to force me to make specific types of payments. Based on American Express 's Prospectus filings with the SEC, they made a firm offer of credit but have failed to uphold their offer, after receiving my initial investment of an asset backed security which was the application that they are trading on the secondary market. Obligating the public to pay a debt of a bank or corporation is illegal and goes against public policy ( HJR 192 of June 5th, 1933 ( Public Law 73-10 HJR-198 48 stat ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: GA

Complaint narrative:
I received an update from Experian and no change has been made. I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item reinvestigated immediately. The inaccurcies are highly injurious to my credit score. ( XXXX XXXX XXXX  Account Number : XXXX ) In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your investigation. 
I attached my ID, Social Security Card, Proof of Address, and screenshot of account on Experian website. 

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 2024-08-23 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: AL

Complaint narrative:
I recently reviewed my consumer report and I notice an account was reporting inaccurately. I had a late payments on an account that I was in fact on time. The consumer reporting agencies need to report all information with complete accuracy. The account has not been late on payments. Ive attached a copy of a consumer report to this complaint in the following date XX/XX/year>. Im requesting you investigate and provide verifiable proof with records showing I have late payments. If this information can not be verified, i demand that these payments be updated to on time immediately. Thank you for your understanding and prompt action.

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