vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute of Inaccurate Credit Reporting and Request for Investigation Dear CFPB, I am writing to report violations of the Fair Credit Reporting Act ( FCRA ) by XXXX, Equifax, and XXXX ( collectively, the " Credit Bureaus '' ) regarding inaccurate information on my credit reports. Despite multiple disputes and evidence provided, the Credit Bureaus have failed to correct the errors. 

Account Information : XXXX Account # XXXX Open Date : XX/XX/XXXX Closed Date : XX/XX/XXXX Dispute History : - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX Evidence Submitted : - Letters to each Credit Bureau - Records showing equipment returns on XX/XX/XXXX - Email from XXXX XXXX dated XX/XX/XXXX - Recordings from XXXX stating the balance of {$2200.00} includes equipment charges totaling {$820.00} Facts : 1. The Credit Bureaus have reported an incorrect balance for the past 5 years.

2. I have repeatedly disputed this error, providing evidence to support my claims.

3. The Credit Bureaus have ignored my disputes, failing to investigate and correct the errors. 

Impact : - Inaccurate information has harmed my credit scores with all three Credit Bureaus. 

Request : 1. Immediate deletion of Account from my credit reports.

2. Investigation into the Credit Bureaus ' handling of my disputes.

Notice : If I do not receive a satisfactory response within 15 days, I will pursue legal action to protect my rights under the FCRA. 

I request your assistance in resolving this matter and ensuring the Credit Bureaus comply with federal regulations. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX, XXXX Attachments : - Copies of dispute letters - Evidence documents ( records, email, recordings ) - Proof of mailing ( certified mail receipts ) After 15 days, if unsatisfied, consider consulting with an attorney specializing in consumer credit law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Dispute of Inaccurate Credit Reporting and Request for Investigation Dear CFPB, I am writing to report violations of the Fair Credit Reporting Act ( FCRA ) by Experian, XXXX, and XXXX ( collectively, the " Credit Bureaus '' ) regarding inaccurate information on my credit reports. Despite multiple disputes and evidence provided, the Credit Bureaus have failed to correct the errors. 

Account Information : XXXX Account # XXXX Open Date : XX/XX/XXXX Closed Date : XX/XX/XXXX Dispute History : - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX Evidence Submitted : - Letters to each Credit Bureau - Records showing equipment returns on XX/XX/XXXX - Email from XXXX XXXX dated XX/XX/XXXX - Recordings from XXXX stating the balance of {$2200.00} includes equipment charges totaling {$820.00} Facts : 1. The Credit Bureaus have reported an incorrect balance for the past 5 years. 
2. I have repeatedly disputed this error, providing evidence to support my claims.

3. The Credit Bureaus have ignored my disputes, failing to investigate and correct the errors. 

Impact : - Inaccurate information has harmed my credit scores with all three Credit Bureaus. 

Request : 1. Immediate deletion of Account from my credit reports. 
2. Investigation into the Credit Bureaus ' handling of my disputes. 

Notice : If I do not receive a satisfactory response within 15 days, I will pursue legal action to protect my rights under the FCRA. 

I request your assistance in resolving this matter and ensuring the Credit Bureaus comply with federal regulations. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX, XXXX Attachments : - Copies of dispute letters - Evidence documents ( records, email, recordings ) - Proof of mailing ( certified mail receipts ) After 15 days, if unsatisfied, consider consulting with an attorney specializing in consumer credit law.

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 2024-10-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Bright Capital Inc
State: KY

Complaint narrative:
Ive been going back and forth with this company for months, maybe even years. They give me all these reminders to pay my bill, their app/website gives me error messages, I cant make payments, and they report me as being late/delinquent. They ask to verify personal information and do not reply for days/weeks/months to absolve the issue, thus making the payments late. I cant reach anyone, and then when I prompt an investigation, theyll magically reach out and then ghost me. They assign automated reminders to pay, but theres no way of paying. They have ruined my credit score, and outsource people who do not speak English to answer calls, IF you can get them on the phone. There are multiple reviews in the XXXX XXXX about them doing the same thing to MULTIPLE people. 

I have multiple emails from them, investigative bureaus, and calls that tried to bribe me to stop the investigation, then they will remove late payments, due to their mistakes, and continue to inaccurately report to my credit. The bribe from XXXX XXXX who's pictured in the emails ) stating " if I call off my investigation into the company because they get penalized for such complaints, then they will accurately take off my late payments because it was no fault of my own '' and they ADMITTED that it was no fault of mine, I've had multiple attempts to rectify, and they are aware of the glitches they have had.

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 2024-10-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I moved out of XXXX XXXX on XX/XX/year>, and returned the keys on that same day. The individual who received the keys did not report this until the following day. Prior to my move-out, I had been diligent in paying all my bills on time, and my final balance was confirmed to be {$0.00}. 

On XX/XX/year>, I received an email stating that I owed {$230.00}. On XX/XX/year>, I contacted XXXX XXXX to dispute this charge, emphasizing that I had paid my utilities consistently. I was informed that an investigation would take place. 

Despite my follow-up email on XX/XX/year>, I received no response. Subsequently, on XX/XX/year>, I was contacted by a collection agency, Columbia Debt Recovery LLC, regarding this alleged debt. 

On the same day, I reached out again to XXXX XXXX ( under XXXX Receivables ) to clarify that I had not received any updates regarding the disputed bill. The following day, I received a reply stating that they were no longer managing my account. I responded, reminding them that they were responsible for my account in XXXX and highlighting the lack of response to my dispute. 

Since then, I have not received any further communication from XXXX XXXX or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I always pay on time, so Im not sure why the company is showing late payments for specific months. Based on USC 1666b, billing errors need to be corrected, and the account should reflect payments as agreed.

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 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is really exhausting, I've been attempting to contact the appropriate channels about the errors on my credit report for so long now, but I haven't had any success. It's been incredibly frustrating and stressful, keeping me up at night wondering about my financial future because these inaccuracies are unfairly impacting my credit score and preventing my credit applications from being approved.

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 2024-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-10-11 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: TX

Complaint narrative:
The two accounts below are paid in full. they have been paid in full for a month and they refuse to change even though I have proof they are paid off. 

XXXX XXXX XXXX XXXX Balance details 8 % paid off Balance {$36000.00} Balance updated XX/XX/year> Original balance {$39000.00} Account info Account number XXXX Open/closed Open Date opened XXXX XXXXXXXX XXXX Account type Auto Loan XXXX XXXX XXXX XXXX Balance details 8 % paid off Balance {$32000.00} Balance updated XX/XX/year> Original balance {$35000.00} Account info Account number XXXX Open/closed Open Date opened XXXX XXXX XXXX Account type Auto Loan

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 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The two accounts below are paid in full. they have been paid in full for a month and they refuse to change even though I have proof they are paid off. 

XXXX XXXX XXXX XXXX Balance details 8 % paid off Balance {$36000.00} Balance updated XX/XX/2024 Original balance {$39000.00} Account info Account number XXXX Open/closed Open Date opened XXXX XXXXXXXX XXXX Account type Auto Loan XXXX XXXX XXXX XXXX Balance details 8 % paid off Balance {$32000.00} Balance updated XX/XX/2024 Original balance {$35000.00} Account info Account number XXXX Open/closed Open Date opened XXXX XXXXXXXX XXXX Account type Auto Loan

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I am writing to file a formal complaint and follow-up regarding American Express XXXX failure to comply with my opt-out request. Despite notifying American Express to opt out of their marketing and data-sharing practices, I continue to receive communications and see indications that my personal information is still being shared with third parties. This constitutes a violation of several federal and state laws. Under the Gramm-Leach-Bliley Act ( GLBA ), financial institutions are required to respect consumers ' privacy preferences, including the right to opt out of certain information-sharing practices. American Express has failed to comply with this obligation. As a resident of New Jersey, I am also protected under the state 's privacy laws, which require organizations to respect consumers ' privacy rights, further compounding this violation. Additionally, 15 USC 1681a ( q ) ( 3 ) outlines permissible purposes for sharing consumer report information. By continuing to share my information without my consent, American Express is violating this provision. Furthermore, they are showing non-compliance with the Truth in Lending Act ( TILA ) by failing to accurately disclose how my personal information is used and continuing to send me unsolicited communications that contradict TILA 's disclosure requirements. Given these violations, I request immediate action to ensure that American Express ceases all unsolicited communications, honors my opt-out request by stopping the sharing of my personal information, and complies fully with the relevant laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Im processing disputes on my credit report to delete & remove all invalid an inaccurate information that is reporting to my file. I have been a victim of identity theft. None of the accounts listed are following the FCRA guidelines. This has caused major effects to my credit report please review an remove the accounts listed to clean my credit report asap

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: TX

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under XXXX U.S. Code XXXX ( XXXX ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per XXXX U.S. Code XXXX ( Civil Liability for Willful Noncompliance ) and XXXX XXXX Code XXXX ( Civil Liability for Negligent Noncompliance ), your agency XXXX be held liable for failing to comply with federal law. Additionally, XXXX U.S. Code XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXX XXXX ( False and Misleading Representations ) and FCRA XXXX ( Identity Theft Claims ). These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of XXXX XXXX Code XXXX ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating XXXX U.S.C. XXXX ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

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 2024-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
When my loans were serviced with XXXX  and I called in due to the unafordability of my payments Navient would suggest that I put my loans into forbearance or deferment. These extended forbearance and deferments accrued interest which eventually ballooned my overall student loan debt. XXXX representatives failed to provide me with information regarding more affordable repayment plan options alloted to me under the income driven repayment plan. This has since caused financial hardship and the inability to manage my student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

WEBBNK/FHUT ****

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 2024-10-11 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: TX

Complaint narrative:
I'm seeking your help to address the incorrect account reflected in my credit report. This concern has affected my personal reputation, and I need your cooperation in resolving it. The mishandling of my credit has devastated my reputation, and the inaccurate information must be removed immediately.

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 2024-10-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm seeking your help to address the incorrect account reflected in my credit report. This concern has affected my personal reputation, and I need your cooperation in resolving it. The mishandling of my credit has devastated my reputation, and the inaccurate information must be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: CA

Complaint narrative:
Credit Karma " Save '' does not allow you to withdraw more than {$50000.00} monthly from the account. At one point due to high savings interest rates, I deposited the majority of my funds, to the sum of almost {$200000.00} into the account... I have since been trying to remove the funds as I am trying to potentially purchase a property. They are restricting the access to said funds and only allow access to {$50000.00} per calendar month. Furthermore they have since massively reduced the interest rates on said funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation