vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
In XXXX, XXXX incorrectly continued to bill me for a phone line that had been canceled and suspended. XXXX mistakenly forwarded my account to collections with Amsher, which is now being represented by XXXX XXXX XXXX 

I have encountered significant difficulties in resolving this matter as both Amsher and XXXX XXXX have been unwilling to cooperate effectively. When I attempt to address the issue with Amsher, I am redirected to contact XXXX XXXX, and vice versa. This has resulted in a loop of unproductive communication, characterized by poor customer service, including multiple instances where calls were abruptly ended by representatives from both XXXX XXXX XXXX  and Amsher. 

I have recorded these interactions, which clearly demonstrate the unprofessional conduct and the refusal to engage with the factual errors acknowledged by XXXX. XXXX has XXXX the billing error and noted this in the collection files ; however, neither Amsher nor XXXX XXXX has taken steps to verify this with XXXX or to address the error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: MO

Complaint narrative:
Date : XX/XX/XXXX Subject : Complaint Regarding Inaccurate and Inconsistent Credit Reporting of Student Loan Account To the Consumer Financial Protection Bureau : I am filing a formal complaint regarding the inaccurate and inconsistent reporting of a closed federal student loan account ending in 8581, previously serviced by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), and now overseen by Nelnet and the U.S. Department of Education ( ED ). These issues are ongoing despite multiple attempts to resolve them, and they violate the Fair Credit Reporting Act ( FCRA ). 
Details of the Complaint 1. Inaccurate and Inconsistent Reporting Across Credit Bureaus The reporting for this closed student loan account is inconsistent and inaccurate across XXXX, XXXX, and XXXX : Account Open Date : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : Not reported Date of Last Activity : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : Not reported Account Status : XXXX : Transferred XXXX : Paid XXXX : Not reported These discrepancies directly violate FCRA standards for accuracy, consistency, and completeness in credit reporting. 
2. Failure to Provide Complete Payment History Despite multiple requests to Nelnet and XXXX, I have not been provided with a complete payment history, including : The dates and details of missed or late payments. 
The date of first delinquency. 
The date the account became negative. 
The dates of last activity and last reporting. 
Without access to complete and verifiable records, I can not determine the accuracy of the reported information or address these inconsistencies effectively. 

3. Suspected Data Loss or Mismanagement XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX is no longer in operation, and I believe the transfer of this loan to Nelnet/XXXX  may have caused data loss or reporting errors. The continued refusal to provide supporting records or correct the discrepancies further compounds the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 non-monetary relief
Consumer complaint received 2024-12-12 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:
XX/XX/XXXX Subject : Complaint Against Equifax for Failure to Correct Inaccurate Late Payment Reporting Dear CFPB I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the account with XXXX XXXX, account number XXXX. Despite multiple requests for correction dated XX/XX/XXXX and XX/XX/XXXX, the inaccuracies persist, violating provisions of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Details : High Balance : {$38000.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX ( XXXX and XXXX ), XX/XX/XXXX ( Equifax ) Balance Owed : {$0.00} Account Status : Closed Payment Status : Current Account Type : Auto Loan Payment Frequency : Monthly Two-Year Payment History : Equifax : Late payments reported from XXXX to XX/XX/XXXX and XXXX to XX/XX/XXXX. 
XXXX XXXX XXXX : Late payments reported from XXXX to XX/XX/XXXX, XXXX and XX/XX/XXXX, and XXXX to XX/XX/XXXX. 
These late payment entries are inaccurate and conflict with the actual payment history I provided in my previous disputes. 
FCRA Violations : Under 15 U.S. Code 1681i, credit bureaus are required to ensure the accuracy of the information in consumer files. Despite providing evidence to correct these inaccuracies, Equifax failed to conduct a reasonable investigation and update my credit report accordingly.

TILA Violations : 15 U.S. Code 1666b mandates that creditors send periodic statements at least 21 days before the payment due date. The reported late payments suggest noncompliance with this requirement, resulting in harm to my creditworthiness.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide accurate and timely statements to prevent unfair penalties. The continued inaccurate reporting indicates noncompliance.

Desired Resolution : I am formally requesting the following actions : Immediate removal of the late payment notations for this account from my credit report with XXXX, XXXX, and Equifax. 
Written confirmation of the corrections made to my credit file. 
Failure to resolve this matter promptly will compel me to escalate my complaint, including pursuing legal action and filing additional grievances with the Federal Trade Commission ( FTC ) and other relevant agencies. 
Thank you for addressing this matter promptly. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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:
XX/XX/XXXX Subject : XXXXomplaint Against Equifax for Failure to Correct Inaccurate Late Payment Reporting Dear CFPB I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the account with XXXX XXXX, account number XXXX. Despite multiple requests for correction dated XX/XX/XXXX and XX/XX/XXXX, the inaccuracies persist, violating provisions of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Details : High Balance : {$38000.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX ( XXXX and XXXX ), XX/XX/XXXX ( Equifax ) Balance Owed : {$0.00} Account Status : Closed Payment Status : Current Account Type : Auto Loan Payment Frequency : Monthly Two-Year Payment History : Equifax : Late payments reported from XXXX to XX/XX/XXXX and XXXX to XX/XX/XXXX. 
XXXX XXXX XXXX : Late payments reported from XXXX to XX/XX/XXXX, XXXX and XX/XX/XXXX, and XXXX to XX/XX/XXXX. 
These late payment entries are inaccurate and conflict with the actual payment history I provided in my previous disputes. 
FCRA Violations : Under 15 U.S. Code 1681i, credit bureaus are required to ensure the accuracy of the information in consumer files. Despite providing evidence to correct these inaccuracies, Equifax failed to conduct a reasonable investigation and update my credit report accordingly.

TILA Violations : 15 U.S. Code 1666b mandates that creditors send periodic statements at least 21 days before the payment due date. The reported late payments suggest noncompliance with this requirement, resulting in harm to my creditworthiness.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide accurate and timely statements to prevent unfair penalties. The continued inaccurate reporting indicates noncompliance.

Desired Resolution : I am formally requesting the following actions : Immediate removal of the late payment notations for this account from my credit report with XXXX, XXXX, and Equifax. 
Written confirmation of the corrections made to my credit file. 
Failure to resolve this matter promptly will compel me to escalate my complaint, including pursuing legal action and filing additional grievances with the Federal Trade Commission ( FTC ) and other relevant agencies. 
Thank you for addressing this matter promptly. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: NY

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX  XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 2024-12-12 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-12-12 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: PA

Complaint narrative:
XXXX XXXX XXXX and Transunion are reporting inaccurate credit utilization on my credit report. Currently XXXX XXXX XXXX  is involved in a Class Action Lawsuit for deceptive banking and credit practices. I have been significantly affected by these practices. Due to these inaccuracies, I have been financially impacted. I have recently been denied funding and XXXX XXXX XXXX  themselves have denied me a credit increase due to the inaccuracies being reported. I demand I be reimbursed {$29.00} for an invalid returned payment fee and {$1000.00} settlement from Transunion and XXXX XXXX XXXX  for damaging my financial reputation. Attached to this complaint will be a copy of my ID, FTC report, dispute letter and screenshots of the inaccuracies.

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 2024-12-12 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX I am a victim of Data Breach and Identity Theft. Please, block and delete the account within 4 business days pursuant to FCRA 605B15 U.S.C. 1681c-2

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 2024-12-12 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: TX

Complaint narrative:
There are several inaccurate late payment entries on my credit report. This is not reflective of my payment history; please correct these errors.

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 2024-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I am writing to formally dispute the actions of [ Midland Credit Management ], which I believe constitute unfair or abusive practices. Specifically, I am concerned about the use of threatening language in their communications with me, which I believe violates the Fair Debt Collection Practices Act ( FDCPA ). 

I have received multiple communications from [ Midland Credit Management ], including a recent letter dated [ XX/XX/year> ], in which they threatened to " pursue a lawsuit '' against me. The language used in this communication was not only alarming but also felt like an attempt to intimidate or coerce me into paying a debt under duress. I do not believe they have any intention of taking legal action, and I find their tactics to be both misleading and inappropriate. 

In addition, I want to note that I have previously filed a complaint against [ Midland Credit Management ] on [ XX/XX/year> ] regarding similar issues. Despite my previous complaint, the collectors behavior has continued and escalated. As a result, I am once again reaching out to the Consumer Financial Protection Bureau for assistance in resolving this matter. 

The actions taken by [ Midland Credit Management ] have caused me undue stress and anxiety, and I am concerned about their ongoing violation of consumer protection laws. I respectfully request that the CFPB investigate this matter and take appropriate steps to address this violation. 

I would appreciate your prompt attention to this matter and look forward to your response. Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: NAVY FEDERAL CREDIT UNION
State: IA

Complaint narrative:
There are unauthorized inquiries on my credit report that I did not authorize. Please remove these items as soon as possible. Here are the accounts that is reported on my credit report. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NAVY FCU XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: CITIBANK, N.A.
State: IA

Complaint narrative:
There are unauthorized inquiries on my credit report that I did not authorize. Please remove these items as soon as possible. Here are the accounts that is reported on my credit report. 

CBNA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief