vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
By 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 ) ( a ) 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. Delete the accounts below : Creditor Name : XXXX XXXX, Date of inquiry : XX/XX/year>, TransUnion Creditor Name : XXXX XXXX, Date of inquiry : XX/XX/year>, TransUnion Creditor Name : XXXX, Date of inquiry : XX/XX/year>, TransUnion Creditor Name : XXXX, Date of inquiry : XX/XX/year>, TransUnion Creditor Name : XXXX, Date of inquiry : XX/XX/year>, TransUnion Creditor Name : XXXX, Date of inquiry : XX/XX/year>, TransUnion

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 2024-09-24 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: OH

Complaint narrative:
I recently filed an identity theft report with the Federal Trade Commission because my identity information has been breached and credit inquires are being made without my consent. Since my last notice of identity theft, there are additional inquires reporting with Experian that do not relate to me and that should not be reporting on my credit report. I am seeking remedy to have the fraudulent inquires permanently deleted from my credit report and file within 4 business days as required under FCRA Section 605B.

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 2024-09-24 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: MD

Complaint narrative:
On XX/XX/XXXX, I sent letters to TransUnion, XXXX, and XXXX requesting an investigation into inaccurate information on my credit report. All agencies responded within the 30-day window, indicating a zero balance. However, each agency reported different credit balances. Additionally, the debt was charged off, and I did not receive a 1099-C form. Delete XXXX  from my credit report immediately. 

According to the Fair Credit Reporting Act, XXXX Account XXXX has infringed upon my rights. Section 1681e ( b ) of the FCRA mandates that consumer reporting agencies must employ reasonable procedures to ensure the utmost accuracy of the information regarding the individual to whom the report pertains. FCRA XXXX5 USC 1601, part of the Federal Consumer Credit Protection Act, aims to provide meaningful disclosure of credit terms, enabling consumers to compare credit terms more effectively, avoid uninformed credit use, and safeguard against inaccurate and unfair credit billing and credit card practices. Regulation Z enforces the Truth in Lending Act, established in 1968 as title I of the Consumer Credit Protection Act.

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 2024-09-24 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: MD

Complaint narrative:
On XX/XX/XXXX, I sent letters to XXXX, Experian, and XXXX requesting an investigation into inaccurate information on my credit report. All agencies responded within the 30-day window, indicating a zero balance. However, each agency reported different credit balances. Additionally, the debt was charged off, and I did not receive a XXXX form. Delete XXXX from my credit report immediately. 

According to the Fair Credit Reporting Act, XXXX Account XXXX has infringed upon my rights. Section 1681e ( b ) of the FCRA mandates that consumer reporting agencies must employ reasonable procedures to ensure the utmost accuracy of the information regarding the individual to whom the report pertains. FCRA 15 USC 1601, part of the Federal Consumer Credit Protection Act, aims to provide meaningful disclosure of credit terms, enabling consumers to compare credit terms more effectively, avoid uninformed credit use, and safeguard against inaccurate and unfair credit billing and credit card practices. Regulation Z enforces the Truth in Lending Act, established in 1968 as title I of the Consumer Credit Protection Act.

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 2024-09-24 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: OH

Complaint narrative:
I have student loans that I have been paying on since XXXX. I have had zero forgiveness although I have worked for a non profit since XXXX. My payment counts have not updated. I have no access to old servicers such as XXXX XXXX, XXXX XXXX, Mohela. I have different amounts due on my loans. This is unfair to do to people. I have paid and my payments are not listed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-09-24 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: OH

Complaint narrative:
TransUnion, XXXX and XXXX Inaccurately reporting several accounts on my credit report. They are reporting without my permission. The dates are incorrect, and the status of accounts are incorrect. I have tried mailing them first class as well as certified letters however they continue to mail me " stall '' letters. Transunion has continued to continue to report inaccurate information. This is becoming extremely stressful, expensive and causing me problems both financially and emotionally. I am requesting they remove these accounts 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 2024-09-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
My homeowners insurance was renewed by my providers ( XXXX XXXX ) on XXXX of this year. The bill was sent to M & T Bank but it was sent to the address and the name of the previous servicer. The previous servicer needed to forward the correspondence to the new servicer and neglected to do so. I received a notice from my insurance company that the insurance was being cancelled due to non-payment. I advised that this should be payed via my escrow. I called in XXXX  M & T Bank to find out why they had not paid the insurance and they advised that they had not received the bill. At the time the insurance company advised that they needed payment in a certain number of days for the insurance to not be canceled. I got the insurance company and the mortgage company on the phone so they could exchange information and so that the mortgage company could make the payment expeditiously. I was advised by the representative at the mortgage company that they had all they needed in order to make the payment and that the payment would be expedited. I went about my business thinking that my insurance had been paid. Over the weekend I go to check my mortgage statement and see that a XXXX XXXX bill is now on paid from my escrow account for XXXX XXXX XXXX  ( {$1000.00} ) dollars more than what I was expecting to pay. As I start to do research of why and reach out to my Homeowner insurance I find out that the mortgage payment sent the payment late and my homeowners insurance was cancelled. Now I have a cancelled homeowners insurance due to the mortgage companies inability to perform their servicer functions, I have a new force-placed hazard insurance from my mortgage company that is XXXX XXXX XXXX  more than what I'm supposed to be paying and I'm left holding the bag. This is extremely frustrating when my mortgage company is expected to act upon the best interest of its clients and it doesn't seem like they are acting in this capacity at this time for me as their client.

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 monetary relief
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a scam victim. I was using a website called XXXX to purchase a second hand XXXX device, the seller is the scammer I encountered. When I try to pay over the XXXX  app official method. The app had a very confusing error message when I made the payment saying something went wrong, please contact support. The support contacted me later saying the sellers account have some issues and I will not be able to purchase until the issue is resolved, but can not tell me what is the issue or why. This reply confused me into thinking the XXXX  system was broken instead of being alerted about a possible scammer, later the scammer sent me a text message saying if the app does not support transaction, we should do it other ways. So I used XXXX through Chase bank app to send XXXX XXXX  to the scammer after he sent me a fake Photoshopped receipt of XXXX  shipping receipt. Right after I find out the receipt is fake, I immediately contacted Chase bank to report the scam but they said they can not do anything about this and recovering of the money. It is hard to believe even you take action immediately after being scammed and the money transaction is pending, you can not do anything about the scam. There seems to be a extremely lack of consumer protection regarding the issue of scam. Bank can not take action for scammed payment, XXXX can not take action for scammed payment, there isnt a proper monitoring system on the platform of XXXX that regulates potential scammers or alerts the customer. So a customer like me getting scammed have no way to recover money or the pain. Extremely disappointing for the system and the outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: GA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete.

The account in question does not belong to me, and I have serious concerns regarding its validity. I have previously requested documentation, including the purchase agreement and any other supporting documents, to prove full ownership of this account. To date, I have not received sufficient evidence to verify that this account belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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: MA

Complaint narrative:
I provided the reasons for disputing the information. I have enclosed it again Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and XXXX XXXX XXXX XXXX XXXX XXXX  ) to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I have tried with the creditors and the re route me again to the credit agencies and when I finally reached them the have make calls backs and never do Help me please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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: 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 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-09-24 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 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-09-24 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: IN

Complaint narrative:
Kindly remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies present.

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 2024-09-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX I have never lived at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and the account that they are stating that was open in my name without my permission or knowledge is a fraud account and I have requested that they remove this from my credit report a number of times and they refused to do so. I will be seeking a lawsuit under 15 U.S. Code Subchapter V - DEBT COLLECTION PRACTICES 1692d. Harassment or abuse 1692e. False or misleading representations 1692g. Validation of debts Not providing validation of the debt when I first requested it so that I could prove that the account was not mine and never open by me.

1692f. Unfair practices.

Also, under 15 U.S. Code Subchapter III - CREDIT REPORTING AGENCIES 1681n. Civil liability for willful noncompliance 1681o. Civil liability for negligent noncompliance.

They had five days from my first request to prove me a copy of the validation of the debt and they never did so with my first request therefore they can not use this time to provide it to me and must remove the account from my credit report. 


I am requesting that they remove this account from my credit report and provide me validation of the debt as stated in 15 U.S. Code Subchapter V - DEBT COLLECTION PRACTICES ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: FL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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