vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Aequitas Capital Opportunities Fund, LP
State: PA

Complaint narrative:
XXXX XXXX in XXXX, PA, sent my medical debt to their third party medical finance company to manage. This company is called CarePayment. The paperwork they sent me made it clear that signing up for a CarePayment account on the CarePayment page would automatically enroll me in their program, thus providing consent for allowing XXXX XXXX to send all future medical balances to their CarePayment partner. The details of the letter I received noted that setting up a CarePayment account is optional. Thus, I called XXXX XXXX and told them I do not consent and want to ask what happens next. They said I either pay in full or they send me to collections. I subsequently agreed to pay in full. 

However, several weeks later I received a letter from CarePayment noting the following : " Thank you for making your first payment! By making your first monthly payment you are now enrolled in the CarePayment program. Congratulations! IMPORTANT : You are receiving this letter because you made your first payment to CarePayment through XXXX XXXX. If you did not wish for your payment to enroll you in the CarePayment program, please call CarePayment at XXXX and request to have your account closed. The CarePayment program is optional ; however, you will remain responsible for any balances due to XXXX XXXX if you decide to close your account. '' I called the CarePayment number and spoke with supervisor XXXX ( ID : XXXX ). She offered to close the account, which I agreed to. However, I noted to her that I followed the paperwork in detail to make it clear that I never opted in to having a CarePayment account made in my name and that I see it as a serious breach of trust that an account has been opened up in my name without my consent. She said she had no way of escalating this up the chain and would note my concern on my account. Thus, I am submitting this for federal review as it is clear that even when you follow the process they outline to declare that you do not consent to opening an account with CarePayment upfront, that this is not strictly followed. I am unclear what mixture of human error and/or inadequate systems they have in place to note a patient 's account as not opting into CarePayment. I appreciate your help in investigating this issue and ensuring it doesn't happen to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: NJ

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: IN

Complaint narrative:
I was sent a letter by MOHELA regarding my loans being placed in forbearance on XX/XX/year>. The letter stated that the interest rate on my loans would be placed at 0 %. On XX/XX/year>, I received a letter detailing unpaid interest that had accrued on my loans during the forbearance. This is either highly unscrupulous behavior or sheer negligence and I don't know which is worse at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: PA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Discharge letter was sent and didn't receive 1099C for charge-off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I closed my XXXX XXXX XXXX  account ending in XXXX with a representative over the phone on XX/XX/year>. At the time, my checking account reflected {$0.00}. Fast forward, I received an email on XX/XX/year> advising that my account was insufficient by {$0.00}. On XX/XX/year>, I tried to resolve this concern in person at my local BOA branch. I was told to call instead as the branch associate couldnt accept funds to care for my negative balance. I then called into BOA that same day, and the phone representative advised that there isnt a way to resolve since the account is closed. Im concerned this may negatively impact me despite trying multiple times to resolve.

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 2024-12-04 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:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX XXXX XXXX XXXXAccount Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXXAccount Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I woke up this morning and noticed a drop in my credit scores and was shocked because ive been spending the last few months trying to remove all fraudulent activity that started from when i had lost my drivers license. After checking my credit reports i noticed an account that was removed before was added back onto my reports under a different name. The account is XXXX XXXX XXXX, or XXXX XXXX, the amount that shows on the account is {$1100.00} and account number is 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 2024-12-03 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: FL

Complaint narrative:
I dont recognize these inquiries on my credit report and I did not authorize

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 2024-12-04 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: AR

Complaint narrative:
These account that are showing in my credit file Are not addressed to me in any way, ,so how is experian reporting inaccurate information under my name and social,,, I didnt open these account,, by law these account are not verfiied to me,,, I even ask them to send me a copy of the 1099 C and they refused to send it,,, these accounts needs to be removed from my credit report,,, not open by me

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 2024-12-04 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: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-12-04 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: OH

Complaint narrative:
Dispute and Request to Update Personal Information Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. My current legal name is XXXX XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 

2. My current residential address is XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX, I request that my current address be updated accordingly.

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 2024-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-12-04 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: Kikoff Inc.
State: GA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC.
State: IN

Complaint narrative:
I mailed Exeter Finance a letter requesting full accounting on XX/XX/year>. They provided the contract with a letter stating that they provided the contract on XX/XX/year>. It stated that was proof of debt but I explicitly stated that a contract and payment history is not proof of debt per UCC and precedent case law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX TX XXXX XXXX  Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2024-12-04 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: LA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Update the late payments from my consumer reports

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 2024-12-04 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: FirstPoint Collection Resources
State: NC

Complaint narrative:
I recently looked at my credit report and noticed an incomplete account that I do not recognize. The name of the account is firstpoint coll resources- {$160.00} I also noticed that the account is incomplete and not providing information such as date of last activity or first date of delinquency. 

It is the credit Furnishers responsibility to report only maximum accuracy and complete information. Please remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: DC

Complaint narrative:
I am filing this complaint due to inaccurate and non-compliant credit reporting on my file with Equifax. The report contains erroneous data regarding medical collections, and I am requesting that these items be validated, corrected, or removed per the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards. 

Specific Items in Dispute : XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX Reported with missing, incomplete, or inconsistent data across multiple credit bureaus. 
Missing telephone number, activity date, and past due amount across different bureaus. 
Inconsistent reporting of derogatory account status, account balance, and payment history. 

Issues Identified : Inconsistent Reporting : Data reported inconsistently across different credit bureaus, violating the 5th point of Metro 2 compliance. 
Unverified Data : Failure to provide a substantiated itemized statement for the medical collection account, violating FCRA and FDCPA requirements. 
Missing Data : Key data points such as the telephone number, activity date, and past due amount are missing, violating compliance standards. 

Requested Resolution : 1. Immediate removal or correction of the disputed items related to XXXXXXXX XXXX XXXX 
2. A description of the procedure followed in investigating this dispute, including the documentation provided to the creditor for their investigation, as required by FCRA 611 ( a ) ( 7 ).

3. Provide evidence verifying the accuracy of the disputed items, including the procedure used to validate the alleged late payments. 

Impact : These inaccuracies have negatively affected my credit score, resulting in unjust denials of credit and higher interest rates. 

I request a response within 15 days, or I will pursue further action to resolve the dispute.

Company response to consumer: Closed with explanation