vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-11 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: CA

Complaint narrative:
This is a formal complaint against Equifax located in XXXX, GA This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, Equifax has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Collection Solutions Inc.
State: AL

Complaint narrative:
On XX/XX/2023 I was contacted by a XXXX XXXX who claimed to be an attorney. She said I had provided my credit card information to someone else months earlier and she wanted to use the same credit card to pay another debt. I told her I wasnt aware of any other debt - that I should not have any because I have health insurance that pays 100 % and I have no deductible. She said its for your mental health treatment. I do not have any treatment for mental health and never have. It is completely out of line for her to say things like that. It would be a violation of HIPAA. I vaguely remember being contacted about a {$150.00} medical bill many months ago and I just paid it because I was buying a house and didnt want to deal with it. But I told her I am unaware of any unpaid medical bills and very clearly told this woman that she did not have my permission to use my card- Im not sure why my credit card information was even retained beyond the one time I gave permission to use it - and provided to this XXXX person because I have never spoken to her before. I told her I was at work and would need information regarding the legitimacy of this and that she was not authorized to use my credit card for something I am not even aware of and that I am disputing as a result. She hung up on me and used my card anyway to process a payment. I called the number on my caller ID back and told her she did not have permission to use my card and I wanted it reversed immediately and she told me to call the police. I was hung up on again after she called me a XXXX. I called back and asked for the name and address of the company and was hung up on 8 times in a row.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I recently discovered that {$50000.00} in monies left to me by my late grandmother were wrongfully kept by Wells Fargo without my permission. After my grandmother passed away, she bequeathed certain funds to me. Rather than advise me of this bequeath from my grandmother, Wells Fargo secretly opened an account in my name, without my permission or knowledge. Wells Fargo illegally kept this account open for at least one year before advising me of the existence of the account. To date, Wells Fargo has failed to advise me of which transactions or trades were made ( if any ), the opening balance of the account, whether any funds were transferred or diverted to other accounts, why such transfers ( if any ) were made, and an explanation as to why the account was kept in my name for a year without Wells Fargo attempting to advise me of same. Additionally, Wells Fargo is legally required to mail me monthly account statements and never sent a single one in a year. I am lawfully entitled to this information. Also, I do not have an account number from the secret/illegal Wells Fargo account because I was never advised of the Wells Fargo account information.

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 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax and XXXX both refused free annual credit report. Called toll free help line and no help just phone tree loop. Requested free annual credit report from the 3 bureaus and only XXXX gave me a report. Request made XX/XX/2023 XXXXCST.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 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:
I hope this message finds you well. I am writing to bring to your attention some errors that I have discovered on my credit report. As per consumer laws, it is crucial that all information reported is accurate and correct. 

I have previously informed your company about these inaccuracies, and I am pleased to inform you that the item in question has been successfully removed from one of my credit reports. However, it still remains on the other two reports, namely XXXX and XXXX. 

I kindly request that you promptly delete or correct this information on all three credit reports to ensure consistency and accuracy. It is important to note that credit plays a vital role in the purchasing process these days, and these errors have caused me a considerable amount of distress. 

I appreciate your immediate attention to this matter. Please provide me with an update on the progress made in resolving this issue. Should you require any further information or documentation from me, please do not hesitate to let me know. 

Thank you for your understanding and assistance in rectifying this matter. I look forward to a speedy resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11 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: OR

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. 
XXXX XXXX acct # XXXX has violated my rights. 
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.

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 2023-11-11 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts has violated, my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A ... ... .. states the right of privacy 15 USC 1681 section 604 A section 2 ... ... .... States a consumer reporting agency can not furnish accounts without my written instructions. 15 USC1666B ... ... ... ..A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late or any other purpose. ALL RIGHTS RESERVED

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 2023-11-11 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:
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 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11 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: AZ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX  XX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XXXXXX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XXXXXX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XXXXXX/XX/XXXX XXXX UNAUTHORIZED INQUIRY XXXX XXXXXX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XXXXXX/XX/XXXX - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.

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 2023-11-11 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: AZ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX  XX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XXXXXX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XXXXXX/XX/XXXX - UNAUTHORIZED INQUIRY XXXXXXXX XXXXXX/XX/XXXX XXXX UNAUTHORIZED INQUIRY XXXX XXXXXX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XXXXXX/XX/XXXX - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.

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 2023-11-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
Late XXXX I found out my former landlord ( XXXX XXXX ) sent a balance to collections to National credit Systems. XXXX did not follow MI law pursuant MCL XXXX and take me to small claims to recover " damages ''. In turn took them to court as well as counter-sued. The court ruled that I did not have to pay XXXX XXXX anything but stated they could not award me damages either. XXXX was supposed to notify the collections agency and didn't. I notified them and sent them the court judgment. They, however failed to remove the collections, which has had a negative impact on my credit since the ruling in XXXX of XXXX. Pursuant 15 U.S. Code 1681i National Credit Systems had 30 days to investigate and let me know their determination, which they did not. Ove called almost 4 times a week to reach the rep in charge of my account and sheer, XXXX XXXX, has failed to return my voicemails and emails and has not called me back. Every time I call she is conveniently on lunch or another short break. The court judgement is attached to this complaint as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 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: DC

Complaint narrative:
I received a new copy of my credit report a week ago and I checked that I had an account credit card account opened without my knowledge. XXXX XXXX put an Account Review Inquiry on my TransUnion 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 2023-11-11 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: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
Two collections agencies have reported the same a debt on my credit report, all of which does not belong to me. They are XXXX. XXXX XXXX XXXX ( XX/XX/2020 ) and XXXX. XXXX XXXX XXXX. 

I have request the original purchase agreement that shows the legal owner of this alleged debt. Also, requested that they include all the terms and conditions that are included in this purchase agreement. 

In accordance with the Fair Credit Reporting Act, the list of accounts above has violated my Federal Protected rights to privacy and confidentiality under 15 USC 1681. I informed XXXX, XXXX XXXX and XXXX to reinvestigate these accounts and to remove and deleted them from my credit report, immediately. However, only XXXX XXXX XXXX was deleted. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that are not reporting correctly.

15 USC 1681 section 602A, states the right to privacy. 15 USC 1681 section 604A section 2, states a consumer reporting agency can not furnish an account without my written instructionswhich I did not provide to them. Furthermore, these alleged debts are over XXXX XXXX XXXX and by law any debts XXXX XXXX XXXX must be removed and deleted. 

My information has been impacted by these credit bureau and has cause extreme stress. These credit bureaus sold, bought and traded illegally. I am requesting The FCRA states that accounts and collections must be complete, verifiable and accurate. XXXX XXXX XXXX and XXXX XXXX XXXX have both illegally reported this alleged debt on my credit reports causing a significant amount of stress, embarrassment and loss of receiving credit. Requesting that these items be deleted and removed in a timely manner. 

Thanks you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: CO

Complaint narrative:
On XX/XX/XXXX this year I noticed that for one of my federal direct loans, the principal balance Mohela is basing the minimum payment off of is the balance that loan had in XX/XX/XXXX. That balance was {$19000.00}. I've made several payments on that loan since XX/XX/XXXX, so I asked Mohela why the minimum payment was being calculated on an old & inaccurate principal balance. The rep I spoke with on XX/XX/XXXX said they had no idea. I decided to give it a couple weeks to see if things might update. When it didn't, I sent a message on Mohela 's website on XX/XX/XXXX asking the same question. I received an automated response XX/XX/XXXX saying they were delayed in correspondence response. Today, XX/XX/XXXX, I got a message saying my question is too complicated to answer via messages and that I'd need to call and talk with a rep. I did. The rep told me they have no idea how to answer my question or why the principal balance used for calculating minimum payments is not updating, 11 months later. 

Because of this issue, I cancelled my auto debit setup, because Mohela would have been pulling the wrong amount. This means I can not benefit from the .25 % interest rate reduction offered by Mohela if you participate in auto-debit. 

Mohela 's staff needs to be trained to understand their system and answer questions such as this. It's egregious to have a loan servicer not be able to provide information about something that is directly impacting borrowers ' required payments. 

Secondly : I applied for the SAVE plan and it's been several weeks with no update on processing that request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 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: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-11 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: CITIZENS FINANCIAL GROUP, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX Citizen one XXXX  XXXX  XXXX Removed the inquire from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 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: MN

Complaint narrative:
The following hard inquiry currently listed and showing on my XXXX XXXX and Experian credit report is unauthorized and not my hard inquiry : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX and XXXXXXXX XXXX XXXX XX/XX/2023

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