vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. Please see attached file for these items I am complaining. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. Please see attached file for these items I am complaining. 
"

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 2024-07-03 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: WA

Complaint narrative:
I called Mohela and inquired about why my student loan payment hadn't been adjusted to the new lower amount for the upcoming payment in XXXX. I'm currently under the new SAVE repayment plan for my student loans held by Mohela which is a student loan servicer. Under the new law that was going into effect, my monthly payment was now going to be calculated based off of 5 % of my discretionary income as opposed to 10 %. 

I spoke to a supervisor about why my payment hadn't been reduced nor had my account been placed in forbearance for a month as they were supposed to do if they weren't able to recalculate my new payment amount by XXXX. He was very helpful, but I spent over XXXX hours on the phone with the supervisor who tried to figure out why my payment amount hadn't been updated to the new lower payment. He explained that he couldn't find any reason why nothing had happened because I met all of the qualifications for it to be reduced. He also told me that according to their records, the payment amount was in-fact recalculated in XXXX. I explained to him it hadn't been done so because my upcoming scheduled payment was still the same amount ( {$210.00} ). He ultimately told me that he had exhausted his options on attempting to figure it out and that the department who deals with this doesn't have a phone number or a way to forward this issue for them to look into. He also said that there wasn't anyone else other than another colleague that could look into this. He said it wasn't likely that they would be able to resolve it, as they didn't have the ability to do anything about it either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I called Trans Union due to their were companies that pulled my credit and created a hard inquiries. They neither had my permission or a permissible purpose. This is a violation of the Fair Credit Reporting Act. I asked them to investigate and remove these fraudelent inquiries and they refused. They refuse to investigate which is a violation of my rights under Fair Credit Reporting Act. I want these fraudelent, unauthorised inquiries investigated and removed from my credit report. I have listed the inquiries and dates below, I am including a list of the inquiries and a copy of my identity theft report as well. Please have them follow the law and remove the below inquiries. XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
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 XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX5 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 an 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 non-monetary relief
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
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 XXXXXXXX XXXX XXXX XXXXXXXX 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 an 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 2024-07-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MD

Complaint narrative:
My student loan was sold from XXXX XXXX to Firstmark. I was told nothing would change. However, it has now been noted that was supposed to take 7 years to pay will now take XXXX, on an approximate {$7000.00} student loan. The interest rate is now variable. The amount of the payment has gone up and even with paying extra every month pretty much nothing goes to principal. I understand its a business, but thats predatory. Ive asked about the original loan paperwork and have heard nothing. Reached out to XXXX XXXX, but they no longer have anything since that service is long gone and my loan is from 2010. When I try to get more information and work with them they say you can only refinance, which is crazy since the balance is about {$2000.00} more than the original, or go on deferment where interest is still being charged with that variable interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I never consented to these inquiries and did not provide written consent to report them List all inquiries : Here is the personal information that I never consented to or provided written consent to report : List all personal information want deleted :. 
Please investigate and provide proof with statements showing that I authorized or consented to these inquiries or personal information and proof that I authorized the reporting of this information. If proof can not be provided I demand these inquiries and personal information be deleted. 
Adjust accordingly if there is no inquiries or personal information to be deleted "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I never consented to these inquiries and did not provide written consent to report them List all inquiries : Here is the personal information that I never consented to or provided written consent to report : List all personal information want deleted :. 
Please investigate and provide proof with statements showing that I authorized or consented to these inquiries or personal information and proof that I authorized the reporting of this information. If proof can not be provided I demand these inquiries and personal information be deleted. 
Adjust accordingly if there is no inquiries or personal information to be deleted "

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 2024-07-03 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: LA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT This letter serves as a formal notice of dispute regarding the inaccurate and invalid debt reported on my credit file by YOUR COMPANY.I am fully aware that this debt which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for a fraction of its original value. I am invoking the arbitration agreement outlined on your companys website and the arbitration rules specified at adr.org. 

The initiation of arbitration will impose significant costs on YOUR COMPANY including filing fees, arbitration initiation fees, arbitration deposits, and potential legal expenses. The cost to initiate arbitration alone exceeds {$3000.00}, with the total expenses likely reaching tens of thousands of dollars. 

Given these considerations and the severe mental distressXXXX XXXX emotional distress, and financial hardship this situation has caused me, I am extending a one-time opportunity to settle this matter amicably. My demands are as follows : 1. Payment of {$6000.00} to compensate for the damages incurred. 
2. Immediate deletion of this trade line from all credit reporting agencies to which it has been reported. 

Settling this matter as proposed will allow YOUR COMPANY to avoid the substantial costs associated with arbitration. Failure to resolve this matter amicably within 15 days of receipt of this letter will leave me no choice but to proceed with arbitration, incurring the aforementioned expenses for YOUR COMPANY. 

Additionally, I demand that XXXX XXXX XXXX cease and desist all illegal activities, including contacting me through any medium other than mail. Under 15 U.S. Code 1692c ( c ) : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt This letter serves as your official notice under 15 U.S. Code 1692c ( c ). All further communication must be in writing and sent to the address provided Below as well as the arbitration agreement attached You have 15 DAYS to respond to this settlement request. Failure to respond or provide a satisfactory resolution will result in immediate arbitration proceedings. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 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:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit
State: VA

Complaint narrative:
Certainly! Here 's the rewritten version of your statement : I consistently made on-time payments, paid off the lease early, and returned the vehicle ahead of schedule. I paid the full amount up to the last day of the lease. However, upon checking my credit report last week, I noticed a charge-off related to the leased vehicle, appearing XXXX years after the lease ended. When I called last week, I was informed that the charge-off was due to wear and tear on the vehicle. 

I had purchased warranties for wear and tear, as well as interior and exterior protection from the dealership. When I returned the vehicle, the dealership confirmed that everything was in good condition and assured me there would be no additional charges. 

When I contacted the dealership, which still exists, I was informed that it had changed ownership more than XXXX years ago and that the documents would be with the previous owner. Upon reaching out to the previous owner, I was told that all documents were either transferred to the new ownership or to Volkswagen itself. 

The account shows a charge-off, with {$2300.00} written off and {$2300.00} past due as of XX/XX/2024, despite never being late on payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I have been getting debt in my XXXX account that is not mine from different collection agency 's. I dispute them and they get taken off but more keep showing up. I have gotten XXXX phone call and a physical letter in the mail from XXXX different agencies looking for the same person... XXXX XXXX XXXX XXXX, My name is XXXX XXXX XXXX XXXX when I called one of agencies I gave them my name and social, they confirmed I do not have any collection with them but in my XXXX says otherwise. they said all they could do was investigate if I send them an email with my credit report. I don't know if this is fraud or my information is just getting confused with someone else 's. please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 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: FL

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation