vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-28 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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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:
Kindly remove this inquiry from my credit report as I did not initiate it and have no relationship with the associated creditors. I request its immediate removal to ensure the accuracy of my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) has violated my rights. 

15 USC 1681 Section 602 A states I have a right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2024-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midline credit management has 2 accounts that they bought. One from XXXXXXXX XXXX from {$1000.00} and another from XXXX XXXX for over {$1600.00}. I took care of both. The XXXX XXXX one was totally taken off my credit and was not reporting by anyone. Then more than 6 months later the account was posted as a collections. I dont know how you can put a collections on a credit report thats not reporting on a credit report. The other account was reporting at {$0.00} balance was before they bought the account. So I dont know how they can tell me that they will soon add that one as well to my collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: GA

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
I paid off my mortgage in full on XX/XX/2024 and I am now being told since I did not follow Freedom Mortgages rules which they state is to make the final payment via a wire transfer only the {$35000.00} payment I made was not applied to my account AND I would be charged interest each day which is essentially Grand Theft.

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 2024-05-28 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:
PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I invested in my XXXX XXXX XXXX XXXX XXXX  and when it's time to withdraw they are blocking my account they asked for documents to be sent in to unblock my account and I've complied with all their request and sent all the documents and they are saying my account can't be unlocked I'm missing trades I lost access to my funds etc please assist me with XXXX and unblocking my account

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 2024-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
FCRA 605B mandates the elimination of any incorrect accounts from my credit report. These accounts inaccurately reflect the reporting. I'm entitled to {$1000.00} for each mistaken report in my credit file.

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 2024-05-28 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: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
Subject : Urgent Notification : Unauthorized Credit Reporting Compliance Required with Ohio FCRA Identity Theft Fraud Laws Dear NAVY FEDERAL CR UNION, I am writing to urgently address a concerning issue regarding the unauthorized reporting of information to my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ), particularly Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Ohio FCRA identity theft fraud laws. 

It has come to my immediate attention that NAVY FEDERAL CR UNION has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. The FCRA and Ohio FCRA identity theft fraud laws unequivocally stipulate that consumer consent is mandatory for such reporting activities under Section 1681b ( a ) ( 2 ) and relevant Ohio statutes. 

Furthermore, Ohio FCRA identity theft fraud laws explicitly emphasize the severity of unauthorized access and misuse of personal information, underscoring the legal obligation to obtain explicit consent. 

I want to assert unequivocally that I have not provided consent for NAVY FEDERAL CR UNION to report any information to my credit report. This egregious lack of consent constitutes a blatant violation of my rights, potentially causing significant damage to my creditworthiness and demonstrating a disregard for federal and state laws. 

Therefore, I demand, with utmost urgency, that NAVY FEDERAL CR UNION immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by the FCRA and Ohio FCRA identity theft fraud laws. Failure to comply within the stipulated 30-day timeframe will be deemed as willful noncompliance, subject to penalties under applicable laws, including Ohio FCRA identity theft fraud laws. 

It is imperative to understand that obtaining consent is not discretionary but a legal obligation under the FCRA and Ohio FCRA identity theft fraud laws. This is not negotiable ; it is a demand for strict compliance with both federal and state regulations, aimed at protecting consumers like myself from unauthorized and damaging credit reporting practices. 

I expect your immediate attention to this matter and urge NAVY FEDERAL CR UNION to promptly rectify these serious violations, respecting my rights under federal and state laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: U.S. BANCORP
State: MI

Complaint narrative:
Talked to a representative at US Bank approx XX/XX/XXXX XXXX to obtain a paid loan confirmation. They said it would be sent out on XXXX XXXX. I never received, called again 5 times over the next 8 weeks to try to obtain the paid loan confirmation. Everyone I spoke with confirmed they showed it was paid off XX/XX/XXXX. Each representative assured me I would be receiving the document. Still have not received.

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 2024-05-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This debt was payed with XXXX as a deal to sign up for service and they would get rid of old debt. I have had service with XXXX since this debt. How could I have service if I owe them.This was years ago. Keeps getting sold to collectors.

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 2024-05-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
I was a victim of Identity theft close to 2 years ago. I got a message that I had an account with XXXX XXXX XXXX. I called them at the time and advised that I made no such account and that my identity was stolen. I had sent them a Dispute letter to the company for XXXX as well as a FTC notice to Furnishers as per the FTC ( reference number available it needed ). I have called multiple times to XXXX XXXX XXXX and got confirmation of no account however I was called by a debt collector ( Sunrise Credit Services ) about a debt. I have not received any paperwork and a single call and as such I thought this was a scam. I went on vacation and came back to find that my credit score has dropped more then XXXX pts due to this collection. I have placed a freeze on all credit accounts. I would like to have this removed and for Sunrise to send by certified mail the identity theft documentation and demand that the collectors retract their reports to credit bureau 's.

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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




DEPT OF EDUCATION/XXXX # XXXX DEPT OF EDUCATION/NELN # XXXX DEPT OF EDUCATION/XXXX  # XXXX DEPT OF EDUCATION/NELN # 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 a 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 of 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 2024-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I asked them several times to stop communicating with me about any debt owed and they sent repeated emails and text messages about several different debts. They say I owed but failed to send me a response after I asked them for detailed billing and verification of the debt. And one of the debts they say I owe they have my last name as something completely different from what it actually is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: IL

Complaint narrative:
According to FCRA 605B, it's mandated to eliminate any erroneous accounts from my credit report. These accounts contain inaccurate information in their reporting. Compensation of {$1000.00} is expected for each mistaken entry on my credit file.

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 2024-05-28 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: OH

Complaint narrative:
I sending letters so many time for the 3 bureaus but they refusing my dispute letter and receiving email from them saying I'm seeking for help in the 3rd party. Which is wrong I'm the one who send out letter no one help me. please do an action or else I will file a litigation regarding this matter. please delete this account this is wrong and accurate your violating my right. 

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 2024-05-28 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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:
PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX regarding this complaint. My initial complaint was because I recently received a letter from XXXX XXXX XXXX XXXXXXXX stating that I had a default judgement and should provide bank statements. The paperwork did not show dates or specific information. After opening a complaint through this platform and after various requests I received some of the information requested except the bill of sale from this 3rd party debt collector and my signature on any paperwork delivered.I also received a copy of a written paper stating they had served a XXXX woman XXXX XXXX XXXX XXXX. I've not been that XXXX ever in my adult life. I was close to XXXX for years until recently when I started visiting the Drs office and have XXXX XXXX about XXXX XXXX.Paper also states I had XXXX XXXX .I 've always XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX after covid due to everything being closed in XXXX. Please provide me with any paperwork sent to me that shows my signature. Any follow-up mail sent to me that required my signature. I would also like this issue resolved in an amicable way as this situation has disturbed my peace.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: WI

Complaint narrative:
I enrolled the wrong payment account via XXXX XXXX XXXX verification portal. I enrolled my savings account rather than my checking account and due to this error the payments I was making were being returned and not posting. I didnt realize the mistake until I had already resubmitted payments 3 times and was assessed return fees. Here are the dates : XX/XX/year> {$60.00} & {$100.00} XX/XX/year> {$430.00} & {$440.00} new account I added a new account but I had to use the manual feature once I noticed the error and immediately brought the account current. I have requested via phone calls and letter that they remove that 30 day late reporting to the 3 credit bureaus but they declined due to it not being their and it being late. I dont feel this is a true reflect of my consumer history. I have not had any late payments in over 20 years. I even asked to speak to someone form their credit reporting department and was denied because they dont take calls. I write letters to the 3 credit bureaus too and no response has come yet. I was in the middle of purchasing my late fathers home and due to this reporting the lender doesnt want to extend the loan if I cant get this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: WI

Complaint narrative:
I enrolled the wrong payment account via XXXX XXXX XXXX verification portal. I enrolled my savings account rather than my checking account and due to this error the payments I was making were being returned and not posting. I didnt realize the mistake until I had already resubmitted payments 3 times and was assessed return fees. Here are the dates : XX/XX/year> {$60.00} & {$100.00} XX/XX/year> {$430.00} & {$440.00} new account I added a new account but I had to use the manual feature once I noticed the error and immediately brought the account current. I have requested via phone calls and letter that they remove that 30 day late reporting to the 3 credit bureaus but they declined due to it not being their and it being late. I dont feel this is a true reflect of my consumer history. I have not had any late payments in over 20 years. I even asked to speak to someone form their credit reporting department and was denied because they dont take calls. I write letters to the 3 credit bureaus too and no response has come yet. I was in the middle of purchasing my late fathers home and due to this reporting the lender doesnt want to extend the loan if I cant get this removed.

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