vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-22 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: LA

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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: LA

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 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 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 2024-01-22 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: M&T BANK CORPORATION
State: GA

Complaint narrative:
On XXXX  I Opted Out of credit reporting from MTB. They have NOT complied with the federal law and have not trained their staff to comply as well which is negligence on their part. 

For years I have been requesting that MTB opt me out from credit reporting, via notarized documents mailed via form 3811. 

The culture of MTB is to write letters stating that my requests are frivolous and they will not answer similar complaints. 

I was able to find my original closing documents for other legal reasons and here is the disclosure that they refuse to send upon request or honor. 

see attached. it is XXXXXXXX XXXX per violation per federal law. 

And I am seeking compensation for 15 years of illegal reporting, late payments, balances, date open, and all private intimate information. 
I have call recordings of when you dial into their employees they state that they can not stop reporting to the credit bureaus they MUST or they HAVE TO. 
I have letters from MTB also STATING THE SAME AS WELL. Through complaints, i submitted through the CFPB in the past.

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 2024-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Im making this complaint because I have filled a ftc report, as well as disputed this fraudulent debt XXXX  times with no resolution. In need of help with the false discipinces on my consumer report. 


Account XXXX XXXX XXXX Account Type : Collection Account Status : Derogatory Date Opened : XX/XX/XXXX Balance : {$110.00} Payment Status : XXXX XXXX  Reported : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My account has 5 past due accounts reported with 120-149 days late. This is incorrect, I was under a paid interest program, as i have been fighting with company for 3 months over. Ive attached a letter from previous complaints ive filed, but my credit company needs to be made aware and fixed.

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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2019 a fraudulent charge was incurred on my credit report from XXXX XXXX XXXX XXXX  attempts to have the charges removed failed. My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One applied for a card XX/XX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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 recently received a copy of my credit report and found that you are illegally reporting XXXX  and XXXX  information about me. The following alleged account is listed as a Collection with a PAST DUE BALANCE OF {$490.00} XXXX XXXX XXXX, Debit Buyer This is a violation of the FCRA and Is also in violation of requisite XXXX XXXX Complaint reporting. 
According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, and you are required to remove XXXX  information that is not true, accurate, and verifiable. please remove the none occur inter at XXXX XXXX To de pot a end. 
well as this account removed. 

Sincerely, 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
Consumer complaint received 2024-01-22 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 recently received a copy of my XXXX  report and found that you are illegally reporting XXXX XXXX XXXX information about me. The following alleged account is listed as a Collection with a PAST DUE BALANCE OF {$490.00} XXXX, XXXX XXXX, Debit Buyer This is a violation of the FCRA and Is also in violation of requisite XXXX XXXX Complaint reporting. 
According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, and you are required to remove XXXX  information that is not true, accurate, and verifiable. please remove the none occur inter at XXXX XXXX To de pot a end. 
well as this account removed. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: IL

Complaint narrative:
To whom it may concern i have sent letters to the consumer credit agencies XXXX, XXXX and Experian.Stating that they were reporting the wrong, old, past the statue of limitations accounts and inaccurate information on my consumer credit report. According to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. Also FDCPA1006.30a the consumer reporting agencies can not park debt on my consumer credit report.

VIOLATIONS are as such 15 usc 6801 ( a ) Privacy Obligation/15 usc 6809 ( 4 ) non public personall 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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have sent letters to XXXX XXXX  consumer credit agencies XXXX, Transunion and XXXX letting them know that the information that they have on my XXXX  profile is XXXX  and they are reporting the wrong information. According to the 15 usc 1681b i did not give then permission. Also my nonpublic personal information.According to15 usc 1681s-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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I CHECKED MY CREDIT REPORT AND NOTICED I HAD UNAUTHORIZED COLLECTION FROM XXXX XXXX XXXX XXXX WITH ACCOUNT NUMBER : XXXX, XXXX OPENED ON XX/XX/XXXX, XX/XX/XXXX FOR {$1500.00} and XXXX ON XXXX, EQUIFAX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ON XX/XX/XXXX. XX/XX/XXXX FOR {$1500.00} AND XXXX ACCOUNT NUMBER : XXXX ON XXXX  ON XX/XX/XXXX FOR XXXX and XXXX. THAT I DO NOT RECOGNIZE I BELIEVE SOMEONE MAY HAVE APPLIDED FOR SOME THINGS IN MY NAME AS FRAUDULANT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I CHECKED MY CREDIT REPORT AND NOTICED I HAD UNAUTHORIZED COLLECTION FROM XXXX XXXX XXXX XXXX WITH ACCOUNT NUMBER : XXXX, XXXX OPENED ON XX/XX/XXXX, XX/XX/XXXX FOR {$1500.00} and XXXX ON XXXX, XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ON XX/XX/XXXX. XX/XX/XXXX FOR {$1500.00} AND XXXX ACCOUNT NUMBER : XXXX ON EXPERION ON XX/XX/XXXX FOR XXXX and XXXX. THAT I DO NOT RECOGNIZE I BELIEVE SOMEONE MAY HAVE APPLIDED FOR SOME THINGS IN MY NAME AS FRAUDULANT.

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 2024-01-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: CCF Intermediate Holdings LLC
State: TN

Complaint narrative:
Late on Thursday, XXXX XXXX XXXX I discovered a {$1000.00} deposit in my checking account from Speedy XXXX XXXXXXXX I called on Friday telling them I did not request a loan. They informed me that I signed the loan papers online. I denied that I did it. I contacted my bank, explained the situation, and was told that they would return the {$1000.00} to Speedy. I called Speedy again and informed them of the action being taken. Today, XXXX XXXX XXXX I tried to use my debit card only to find that Speedy had submitted a request for payment for {$970.00} resulting in an overdraft situation for me. 
I had done business with Speedy probably 4-5 years ago. I paid the loan in full ; however, I assume they could have still had my banking information on file. 
I did not request a loan from Speedy, and I did not sign the form online. I resent being defrauded by Speedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: AZ

Complaint narrative:
I appreciate the prompt attention from the CFPB, and I want to acknowledge that XXXX XXXX XXXX XXXX has taken corrective action by removing three out of the four fraudulent accounts previously mentioned in my complaint. However, the specific charge-off account with the amount of {$14000.00} ( Account Number : XXXX  ) remains unresolved. The discrepancy in their response raises suspicion, as the removal of only three out of the four fraudulent accounts suggests potential selective omission. This questionable behavior leads me, as a consumer, to believe that XXXX XXXX and Experian may be purposely retaining one charge-off to negatively impact my credit status, keeping me classified as a subprime borrower. 

Furthermore, I would like to express my concerns about Experian 's handling of this matter. Despite my diligent efforts to address the fraudulent accounts and the discrepancies, Experian has not provided a satisfactory resolution. The rapid verification of the information without a thorough investigation and the lack of transparency in providing evidence raise significant concerns about Experian 's compliance with the Fair Credit Reporting Act ( FCRA ). 

In my efforts to report the specific charge-off account as fraudulent to Experian, I have attached all required documents, including the FTC report , government-issued ID, social security card, and utility bill. This comprehensive documentation supports my claim and further emphasizes the urgency of a thorough and accurate investigation by Experian. I demand the immediate deletion of the remaining fraudulent charge-off account in the amount of {$14000.00} from my credit report. 

I urge the Consumer Financial Protection Bureau to scrutinize Experian 's handling of this matter, ensuring compliance with the FCRA and the deletion of the inaccurately reported and remaining fraudulent charge-off account. Your immediate attention to this critical issue is crucial, and I anticipate a prompt resolution. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have submitted 3 prior complaints for removal of unauthorized inquiries. Experian will remove 1-3 of the fraudulent inquiries and will allow the others to remain. The unauthorized inquires that remain on my Experian Credit Report are : 1. XXXX XX/XX/XXXX 2. XXXX  XXXX XX/XX/XXXX 3. XXXX  XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX Please remove these unauthorized inquiries immediately as I have submitted over 3 complaints and the issues has not been rectified in its entirety and affects my credit worthiness.

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 2024-01-22 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: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
Per Fair Credit Reporting Act FCRA as a FEDERALLY PROTECTED CONSUMER, I am now opting out of ANY AND ALL authorization, I the consumer may have given you written, verbally or unwritten or nonverbal per 15 USC 6802. 




Best, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: PA

Complaint narrative:
For the nth time I am addressing the issue of erroneous and deceptive data present on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 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: PA

Complaint narrative:
For the nth time I am addressing the issue of erroneous and deceptive data present on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 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: MOHELA
State: FL

Complaint narrative:
After several calls and discussions, I was able to be placed on the save program. I received a letter XX/XX/year> saying I would be on the save program for 12 months at {$0.00} a month payments. On XX/XX/XXXX, I received another letter that I was moved to another payment plan for 12 months at {$180.00} a month payment. I did not request this change and there is no explanation as to why I was changed. 

Additionally, no one can explain the interest accruing on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: LA

Complaint narrative:
I took out a loan from OneMain Financial. I paid off one loan and they added all kinds of interest fees. I didn't understand where all the charges were from so I was negotiated into taking out another loan to satisfy the first one. Now I'm stuck.. I don't remember the exact date but it was about 4 years since I've been dealing with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Meade & Associates, Inc.
State: OH

Complaint narrative:
Mailed a debt validation letter on XX/XX/year> to med and associates Inc at XXXX XXXX XXXX XXXX XXXX OH XXXX I received a letter back from med and associates XX/XX/year> with just a statement and that was it nothing was validated from this company.

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 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Examine the attached documents. I request the bureau to initiate an inquiry into these accounts, as I am consistently punctual, yet they are inaccurately reported as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Delete this accounts on my credit report

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