vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-07 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: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX  has failed to provide me with information to verify debt .I have no knowledge of this account .This account is in direct violation of my rights. Per FCRA : 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 if the person knows or has reasonable cause to believe that the information is inaccurate. I demand the permanent deletion of this account from all consumer credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2024-04-07 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: MI

Complaint narrative:
I have called several times and told them there are missing payments in their system on my loan. They say every time that I call that it takes 120 days to reflect in their system. 
On XX/XX/XXXX I paid {$2000.00} no record of it in their system. I paid {$1100.00} on XX/XX/XXXX and no record in their system. On XX/XX/XXXX I paid XXXX and their system only shows {$220.00}. I paid XXXX on XX/XX/XXXX and it only shows {$280.00} paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX XXXX and XXXX XXXX XXXX regarding their actions in violation of the Fair Credit Reporting Act ( FCRA ). XXXX XXXX XXXX XXXX, acting as a debt collector, is attempting to collect a debt they claim I owe to XXXX XXXX XXXX under their name. However, I want to make it abundantly clear that I have no active accounts open with XXXX XXXX XXXX, nor have I provided consent for the disclosure of my personal information to them or any third-party entities. The actions of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX have XXXX violated several provisions of the FCRA, including 15 U.S.C. 1681a ( 3 ) and 15 U.S.C. 1681b. Specifically, they have posted false information to credit reporting sites, resulting in inaccurate collection reporting on my credit report. I want to emphasize that I have never engaged in any business dealings or solicited services from XXXX XXXX XXXX XXXX. Their attempts to collect a debt that I do not owe have caused significant distress and inconvenience.

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 2024-04-07 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: FL

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX XXXX and XXXX XXXX XXXX regarding their actions in violation of the Fair Credit Reporting Act ( FCRA ). XXXX XXXX XXXX XXXX, acting as a debt collector, is attempting to collect a debt they claim I owe to XXXX XXXX XXXX under their name. However, I want to make it abundantly clear that I have no active accounts open with XXXX XXXX XXXX, nor have I provided consent for the disclosure of my personal information to them or any third-party entities. The actions of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX have XXXX  violated several provisions of the FCRA, including 15 U.S.C. 1681a ( 3 ) and 15 U.S.C. 1681b. Specifically, they have posted false information to credit reporting sites, resulting in inaccurate collection reporting on my credit report. I want to emphasize that I have never engaged in any business dealings or solicited services from XXXX XXXX XXXX XXXX. Their attempts to collect a debt that I do not owe have caused significant distress and inconvenience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I reviewed my credit report and noticed accounts that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 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:
I reviewed my credit report and noticed accounts that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: IN

Complaint narrative:
am writing to follow up on my previous communication regarding discrepancies in my credit report. This is my second written request regarding the matter. 

Despite my previous inquiries, the unverified items on my credit report have not been rectified, which is in direct violation of Federal Law, specifically the Fair Credit Reporting Act ( FCRA ). As per the FCRA, you are obligated to possess a copy of the original creditor 's documentation to verify the accuracy of the information being reported. However, I have not received any documentation from you as required by Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of the FCRA, including a consumer contract bearing my signature. 

In response to my previous investigation request, you stated that the items in question were " verified '' to be reported correctly. I am now questioning the validity of this verification process. Who exactly verified these accounts? And based on what evidence? 

Under Section 611 ( 5 ) ( A ) of the FCRA, you are mandated to promptly delete any information that can not be verified. Since you have failed to provide me with the necessary documentation to verify these items, it is imperative that they are removed from my credit report immediately. 

I expect a prompt and thorough resolution to this matter. Failure to comply with the FCRA regulations will result in further action being taken.

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 2024-04-07 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: Kikoff Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX ; in XXXX XXXX, Affirm under penalty of perjury under the laws of the United States of America that this statement is true and correct ; XXXX XXXX XXXX, I Have no knowledge of this Account KICKOFF LENDING LLC I Have never Signed a Contract with XXXX XXXX XXXX, or her Company KICKOFF LENDING LLC ; I did not give any written instructions to furnish my account to XXXX XXXX XXXX ; or KICKOFF LENDING LLC ; in accordance with 15 U.S.C 1681 Section 604 A Section 2, I ORDER these accounts to be removed immediately from my consumer report file : Any Contracts that Have my Name, image or likeness without my permission and written consent is Fraud ; & XXXX XXXX XXXXXXXX! 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. 

Now that you have been notified that this information is inaccurate, I ORDER you XXXX XXXX XXXX of KICKOFF LENDING LLC ; to Immediately Delete this account KICKOFF LENDING LLC with Equitable Relief from my Consumer Report in accordance with 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. as this file KICKOFF LENDING LLC has damaged XXXX XXXX XXXX ; name, image, and likeness, reputation and damaged me physically and Emotionally since the report appeared ; For the Record ; I am NOT requesting the company to verify any information accuracy, I am demanding all consumer reporting agencys and 3rd partys corporations to delete all unauthorized consumer reports stated above, from my file immediately!! I also Demand that I be Compensated for my Damages and {$1000.00} XXXX XXXX XXXX  for each Violation In Accordance with 15 U.S.C 1681 section 602 A. & 15 U.S.C 1681 Section 604 A Section 2. Pay to the order of : XXXX XXXX XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
CREDENCE sent me a notice trying to collect on a debt that has been disputed an been found errronous an removed from my Consumer Credit Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I signed up for a Capital One XXXX XXXX card with a XXXX miles bonus after making {$4000.00} dollars in purchases. Online, and in the terms and conditions, the award miles are advertised as being able to be transferred to other airline reward programs. 

After receiving the XXXX award miles from Capital One, I attempted to transfer the miles to the XXXX XXXX XXXX XXXX rewards program. This transfer was blocked by Capital One, with me being unable to complete their XXXX authentication process. 

Multiple Capital one representatives confirmed over the phone that award transfers are blocked until my phone number is recognized as a " stable contact ''. As a result, I can not use my bonus miles with any other providers than Capital One for an indeterminate period of time from opening my account. Capital One allows me to use the miles with them immediately, but the value is substantially worse than with the advertised transfer partners. Capital One is effectively holding my miles hostage through restrictions that are not made clear to the customer at the time of sign up. 

Despite the {$390.00} annual fee for this card, there are multiple online examples of others running into the same unadvertised restrictions XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
My husband and I signed up for the Capital One XXXX credit card. He is the primary account owner, and I am an authorized user. The intended use was to apply points to flights and hotels. At the time of signing up, we were told we could use the points with any companion airline ( where deals are very good ) or through Capital One 's portal ( where deals are much worse ). This card has a {$390.00} fee that is charged as soon as you sign up. We went to book flights with a XXXX  XXXX  XXXX weeks after getting the card, and were told that our identitiy could not be verified. Upon looking at forums online, it appeared that Capital One, without saying so in their Terms and Conditions, doesn't allow new users to apply points to XXXX XXXX for an undetermined amount of time after opening a new card. This is not mentioned in their Terms. My husband called Capital One to get this sorted out, and they told him they couldn't help him, and that the only option was to use the much worse points transfer through the Capital One portal. They refused to escalate the issue, then hung up on him with no resolution after refusing the refund the {$390.00} fee. We have gone through this process several times with other credit card companies, and have never had this issue, or been deceived about the Terms and Conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit.It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking to verify as accurate : Experian : XXXX Account : 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 2024-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
The XXXX XXXX ATM did not charge me a fee according to the XXXX XXXX ATM operator. I had entered XXXX dollars then the ATM did not allow me to get XXXX dollars out. The ATM only withdrew XXXX dollars. The card issuer charged me a fee because the machine was not working properly. I had entered the correct pin number. The machine declined to withdraw second time even though i entered the correct pin number. The card issuer representative stated the automated system charged the fee. They do not have a way to reverse that. I do not think its fair for a ATM not working properly from the money pass automated teller machine that the card issuer charges decline fees. According to the bank regulators that fees for non sufficient funds and not working properly equipment is not suppose to charge fees. It is not legal for fees to be charged. It is not fair and that it is a rip-off for a bank to charge a fee for not being able to get cash out from an ATM that is not properly working. I should have been able to receive a full refund. I had no control on the way the ATM had reacted with the money decline. If the ATM was going to charge a fee it should had canceled the transaction instead of declining. I do not think the card issuer is fair. They should have the option to cancel the card before it charges a declining fee if the ATM had issues and or is not working or going to decline because it does not accept the transaction. The card issuer should allow the card to cancel the transaction rather than charging declining fees. When ATM do not work properly canceling the transaction would had avoided the fee if the ATM had automatically canceled the transaction and returned the card right away. 
ATM Decline Fee XX/XX/year> XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Olson Associates PC
State: UT

Complaint narrative:
-trying to sue for in wrong court for a medical debt i can not verify -did not serve me papers and continues to send mail to wrong mailing address according to court records -lists an intermountain hospital where i settled any owed amount and changed hospitals because they made a mistake -is trying to get legal fees for mistakes he made

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
On XX/XX/2024 XXXX XXXX  XXXX. in sole capacity of Trust filed change in Escrow with the XXXX XXXX XXXX North Carolina Bankruptcy Court-XXXX  XXXX indicating change in escrow to reflect {$560.00} to {$650.00} effective XX/XX/2024. However, this violates but is not limited to 1024.17 ( c ) ( 3 ) of the Consumer Finance Protection Bureau procedural code

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: CL Holdings LLC
State: TX

Complaint narrative:
Account number : JEFFERSON CAPITAL SYST XXXX I believe your company has violated my consumer rights in the following ways. Please keep in mind that this is my second notice and I have had no correspondence back from your company in over 45 days. Specifically, you : - Failed to validate a debt at my request- FDCPA violation - Continued to report a disputed debt to the CRA- FCRA violation XXXX Continued to attempt to collect a disputed debt- FDCPA violation - Ignored my cease and desist- FDCPA violation Not only have you ignored my prior requests for validation of debt, but you also continue to report this debt to the credit bureaus causing damage to my character. The amount that is being reported to the credit bureaus is not the same balance that I have with the original creditor. This letter will again request that you follow guidelines of The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 and please provide the following : Validation of Debt Request - Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Provide me of the amount of which the debt was purchased. Per the CFPB, I have this right as a consumer. 

-Contract bearing my personal signature -License proof to collect debts in my state As you certainly are aware, \ '' Admission by Silence\ '' means that you had a legal duty to defend your position but failed to do so and if my claims were untrue, you would have been compelled to deny my charges. I will use the Admission by Silence in my defense should I be summoned to court or take action against you. I expect to receive proof requested above, within 15 days of this letter. Should you continue to ignore my request for this validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may also seek damages from you if warranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: OH

Complaint narrative:
This account # XXXX  XXXX XXXX XXXX was Charged off XX/XX/24 and is being reported as charged off each month illegally re- aging my account it is the bureau job to report accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies 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 reinvestigation.

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 2024-04-07 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: TX

Complaint narrative:
I was terminated from XXXX on XX/XX/2024. The morning of XX/XX/2024 I received an alert that y credit was ran. When I checked the credit bureaus it showed that my previous employer used my confidential information to submit a credit app. They did this to cause malice against me. This was an attempt to get my physical address. I was attacked at my job by an angry salesman on XX/XX/2024. They also did this so that it caused harm to my credit profile. 
I did not give them permission nor did I submit a credit application. XXXX XXXX literally entered my information into their system to harass me violating my rights.

Company response to consumer: Closed with non-monetary relief