vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EdFinancial Services
State: CA

Complaint narrative:
Edfinancial Services XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Consumer File, Original Agreement, and Verification Methods Account # - XXXX Dear Edfinancial Services, I am writing to formally request a copy of my consumer file and the original agreement associated with the above-referenced account. I am concerned about the accuracy and validity of the information you are reporting regarding this account, as it appears on my credit report. Before I take further action, I would like to better understand the methods used by your company to ensure compliance with the Fair Credit Reporting Act ( FCRA ), particularly under 15 U.S.C. 1681s-2.

To ensure that this account is being reported accurately and legally, I request detailed answers to the following questions regarding your verification processes : Verification Process Questions Accuracy of Reporting : What evidence or findings support the accuracy of the information you are reporting for this account?

Certified Documentation : What certified documents did you review to verify the accuracy of this accounts balance, payment history, and reporting details?

Communication with Data Furnisher : Did your representatives contact the data furnisher ( or any other entity ) to confirm the reported details? 
If yes, who did they contact? 
What information was shared or received during these communications? 
What methods were used to ensure the accuracy of the information provided?

Complete Reporting Timeline : What is the specific date of the commencement of delinquency for this account?

What is the date this account is scheduled to cease reporting?

Investigation Methods : Please provide an explanation of your internal methods to ensure that the account complies with the FCRAs requirement for accurate and complete reporting.

Certification of Accuracy : Provide a notarized affidavit certifying the accuracy of your investigation findings and the information currently reported for this account. 
Additional Requests To help me better understand this account, I also request the following : A complete copy of my consumer file as it pertains to this account. 
A copy of the original agreement between myself and Edfinancial Services.

Purpose of This Letter This letter is not a formal dispute at this time ; instead, I am seeking clarity on the methods you have used to verify the accuracy of the account and the reporting practices you employ. However, if I find that the information you have provided is inaccurate, incomplete, or unverifiable, I will take the necessary steps to protect my rights under the FCRA and pursue all appropriate remedies, including filing formal disputes or seeking legal enforcement of my rights. 

Please respond to this request within 30 days, as mandated under the FCRA. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: VA

Complaint narrative:
I recently noticed inaccuracies and issues on my credit report that violate the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. Specifically, my credit report reflects errors in personal information, accounts, collections, and unauthorized inquiries, which I am challenging. 

The incorrect names, XXXX XXXX and XXXX XXXX, are inaccurately associated with my profile. Additionally, the XXXX XXXX account ( XXXX ) and the collections accounts with XXXX ( XXXX ) and XXXX XXXX ( XXXX ) are listed incorrectly or without proper verification. Furthermore, unauthorized or unverified hard inquiries from XXXX XXXX ( XXXX ), XXXX XXXX XXXXXXXX ( XXXX ), and XXXXXXXX XXXX ( XXXX ) appear on my report without any documented permissible purpose, which is a violation under the FCRA ( 15 U.S.C. 1681b ).

Under the FCRA, credit reporting agencies and data furnishers are required to ensure that all information is accurate and verifiable ( 15 U.S.C. 1681e ). I formally requested an investigation into these inaccuracies, as required under 15 U.S.C. 1681i, and expect these matters to be addressed promptly. Any unverifiable or inaccurate information must be corrected or removed from my credit report.

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) ensures that any debt reported must be validated upon my request ( 15 U.S.C. 1692g ). Since I have disputed the collections accounts, I am entitled to proper documentation to substantiate their validity.

This issue is significant because it affects my creditworthiness and financial standing. I am awaiting a complete investigation, correction of errors, removal of unauthorized inquiries, and an updated credit report reflecting the necessary changes.

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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX  XXXX Balance : {$36000.00}

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 2024-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
Dear Citibank Team, I am writing to request your urgent assistance in resolving an issue with my Citibank account that has significantly impacted my ability to access online banking. Despite multiple attempts, I am unable to verify my identity through my phone number, and I have been advised to await a letter that has not arrived. 

This situation has caused significant inconvenience, as I rely on online banking for managing essential financial matters. I have spent over five hours on calls with Citibanks customer support team, but no one has been able to resolve the issue or offer an effective alternative for identification. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: TX

Complaint narrative:
I don't owe hospital bills. 
Been on XXXX XXXX  since XXXX and this bill is from XXXX. Per XXXX regulations, it is agaisnt the law to ask a person receiving XXXX to pay any bills. 
The hospital and other departments have my insurance information and this bill should never have been assigned to a creditor. 
I call these same people and attempt to explain this, but they never listen, andthis bill was sent to creditor without even contacting me. 
Tried to dispute it, but XXXX did not give me any option other then to " dispute the bill '' to dispute it, and the creditors phone number is not available. 
I will be contacting XXXX and reporting everyone involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX  XXXX Balance : {$36000.00}

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 2024-11-23 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: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX  XXXX Balance : {$36000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I, XXXX XXXX, am disputing errors and unauthorized inquiries on my credit report, citing violations of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, this includes issues such as : Incorrect Personal Information : My date of birth is incorrectly listed as XXXX. 
My name is inaccurately reported as " XXXX XXXX '' instead of " XXXX XXXX XXXX. '' Duplicate entries of my name also appear and need to be corrected or removed. 
Unauthorized Hard Inquiry : An inquiry by XXXX XXXX XXXX  XXXX dated XX/XX/XXXX appears on my credit report without my knowledge or consent. 
I am requesting verifiable evidence of my explicit authorization, such as my signature or electronic signature, to support the inclusion of this data. Under FCRA Sections 605B and 604, such inquiries and personal data inaccuracies violate federal law if they lack proper validation or permissible purpose. 

Ive contacted the entities involved and determined that these actions were carried out without my consent or adherence to federal standards. Therefore, I am seeking the following actions : Immediate correction or removal of inaccuracies in my personal information.

Removal of unauthorized inquiries unless valid documentation is provided to substantiate their legality.

If the requested corrections are not made, it suggests that the reporting entities are failing to meet compliance with Metro 2 standards and my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TomoCredit Inc.
State: TX

Complaint narrative:
I previously reported that the TomoCredit trade lines service did NOT report after taking payment for several months. The only response that i received was that they dont provide a refund. I would like every month that I paid for to be reported as promised right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: FL

Complaint narrative:
The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX Balance : {$44000.00} XXXX XX/XX/year> XXXX AUTO XX/XX/year>

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 2024-11-23 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: VA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the fraudulent account and inquiry listed below from my credit report. I am a victim of a data breach, and these items were added without my knowledge or authorization. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed as they are the result of identity theft. 
Fraudulent Account : XXXX - XXXX - XX/XX/XXXX - {$4900.00} Fraudulent Inquiry : XXXX - XX/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 non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
Exeter Finance has reported a write-off for my vehicle loan on my credit report. However, I have not received a 1099-C as required by the IRS under 26 U.S.C. 6050P for cancellation of debt over {$600.00}. I believe this is inaccurate reporting and request an investigation into whether Exeter Finance has correctly handled this account per federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: GA

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft and to request immediate action regarding fraudulent accounts and inquiries that have appeared on my credit report. 
Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete the following fraudulent accounts and inquiries from my credit file : Fraudulent Accounts : 1. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$660.00} 2. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} 3. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1400.00} 4. XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$450.00} 5. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1400.00} 6. XXXX  - XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$450.00} Unauthorized Credit Inquiries : 1. XXXX  Date of Inquiry : XX/XX/XXXX 2. XXXX Date of Inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated 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 non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of specific fraudulent accounts and inquiries from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and the accounts and inquiries listed below are the result of identity theft. 
The fraudulent accounts are as follows : XXXX. XXXX XXXX XXXX ( Account Number : XXXX ) Opened : XX/XX/XXXX Amount : {$6900.00} XXXX. XXXX XXXX ( Account Number : XXXX ) Opened : XX/XX/XXXX Amount : {$3300.00} XXXX. XXXX XXXX XXXX ( Account Number : XXXX ) Opened : XX/XX/XXXX Amount : {$1400.00} XXXX. XXXX XXXX XXXX ( Account Number : XXXX ) Opened : XX/XX/XXXX Amount : {$1400.00} XXXX. XXXX XXXX  ( Account Number : XXXX ) Opened : XX/XX/XXXX Amount : {$3300.00} The fraudulent inquiries are as follows : XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  XXXX Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX XXXX  Inquiry Date : XX/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 non-monetary relief
Consumer complaint received 2024-11-23 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of specific fraudulent accounts and inquiries from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and the accounts and inquiries listed below are the result of identity theft. 
The fraudulent accounts are as follows : XXXX. XXXX XXXX XXXX ( Account Number : XXXX ) Opened : XX/XX/XXXX Amount : {$6900.00} XXXX. XXXX XXXX ( Account Number : XXXX ) Opened : XX/XX/XXXX Amount : {$3300.00} XXXX. XXXX XXXX XXXX ( Account Number : XXXX ) Opened : XX/XX/XXXX Amount : {$1400.00} XXXX. XXXX XXXX XXXX ( Account Number : XXXX ) Opened : XX/XX/XXXX Amount : {$1400.00} XXXX. XXXX XXXX  ( Account Number : XXXX ) Opened : XX/XX/XXXX Amount : {$3300.00} The fraudulent inquiries are as follows : XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  XXXX Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief