vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-17 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: NJ

Complaint narrative:
I have numerous FRAUDULENT HARD INQUIRIES. want them to be removed to reflect fair and accurate credit reporting. have NOT authorized any of these hard inquiries and none of them are not attached to ANY open accounts on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-17 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: GA

Complaint narrative:
I am compelled to write to you regarding an urgent and distressing matter involving my credit account with XXXXXXXX XXXX XXXX XXXXXXXX, which was discharged through XXXX XXXX  bankruptcy XX/XX/2023. It has come to my attention that XXXX XXXX XXXX with XXXXXXXX XXXX XXXX XXXX located in XXXX, Ga has been engaging in unauthorized and fraudulent activities by updating this closed account included in my XXXX  XXXX as an open balance account on my credit report. These updates have occurred on a nearly monthly basis since the accounts legal closure, directly contravening federal laws and the terms of the bankruptcy discharge.Hes been financially bullying and Ive just realized the negative impact its had on my account Hes a big issue and a horrible banker in this community and I do not appreciate the crooked behavior of this banker.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-17 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: GA

Complaint narrative:
I am compelled to write to you regarding an urgent and distressing matter involving my credit account with XXXXXXXX XXXX XXXX XXXXXXXX, which was discharged through XXXX XXXX bankruptcy XX/XX/year>. It has come to my attention that XXXX XXXX XXXX with XXXXXXXX XXXX XXXX XXXX located in XXXX, Ga has been engaging in unauthorized and fraudulent activities by updating this closed account included in my chapter XXXX as an open balance account on my credit report. These updates have occurred on a nearly monthly basis since the accounts legal closure, directly contravening federal laws and the terms of the bankruptcy discharge.Hes been financially bullying and Ive just realized the negative impact its had on my account Hes a big issue and a horrible banker in this community and I do not appreciate the crooked behavior of this banker.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-17 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Law Offices of Jennifer McCoy, PC
State: TN

Complaint narrative:
This agency has failed to provide any proof that they have the right to collect this alleged debt. This company can not provide proof that the own or the the legal right to collect this alleged debt. Ive requested proof that they are legally allowed to collect this debt, nothing has been provided. I also requested proof the I was given proper notice again nothing has been provided. This agency doesnt have the right to have accessed or have access to my personal information. I have no knowledge of this company, have not done any business with this company but they claim I owe them money but have failed to proof so, by failing to provide any sign legal documentations from me/consumer or original creditor. This company also identified themselves as debt collectors, but in previous dispute when asked for proof of purchase claim to be lawyers. This is both misleading and deceptive practices. Under the fair credit reporting act any company that regularly attempts to collect debts is a debt collector and must provide proof of purchase upon request which this company can not provide. 
Upon request debt collectors must also provide proof of proper notification which this company has also failed to provide and can not provide because such communication did happen Without this information I can not confirm that this company have the legal right to even pursue collecting this alleged debt. This company also continues to report this alleged debt to my consumer credit report without providing this information which is another violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: AL

Complaint narrative:
I received a email from credit karma XXXX  morning stating my account was locked and to look for a email. Its been over XXXX hours I am stranded out of town because XXXX cant access my account to get gas. I have spoken with several representatives and they say look for a email in a hours or XXXX and its now been over XXXX hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: FL

Complaint narrative:
I have submitted my bank statement and proof from direct deposit company that I have paid as agreed but they kept saying that my payments were late. I then switched from XXXX XXXX to XXXXXXXX for direct deposit and all of sudden my payments were on time although they are being cleared during the same time frame. Once I received my XXXX from XXXX there was NO late fees indicated on there but they were charging for fees for having another company processing my direct deposit and yet still reporting that I paid 3 months late until I switched over ... I consider that extortion. They will NOT change the report even though they received the money.

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 2024-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Managment keeps harassing me about a debt for XXXX XXXX. Ive asked them to please cease and desist all calls and contacts with me immediately. Theyll change numbers and start calling and emailing again.They have even called my family members to get in contact with me. You are required by the TCPA to honor this request to cease and desist. This has taken a toll on my mental health. Harassment, intimidation, and bullying on a consumer is illegal. Also I dont didnt sign a contract with Midland Credit Management I had an agreement with XXXX XXXXXXXX so I will only be dealing with this debt through them. Pleas remove this account off my credit report from all 3 reporting agencies immediately. Legal action will be taken if this is not done within 30 days of this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Outsourcing, Inc.
State: MD

Complaint narrative:
After XXXX XXXX XXXX on XX/XX/XXXX at XXXX XXXX XXXX XXXX, I received a bill with a summary of charges that included {$6200.00} in XXXX and XXXX charges of which {$1600.00} was being billed directly to me instead of insurance. However, my child never attended the XXXX or XXXX so I called to inquire about the charges the week of XX/XX/XXXX ( XXXX ). The billing representative told me to submit my questions in writing along with my account to their XXXX XXXX XXXX. She was unable to provide any information about why XXXX charges were listed. I wrote a letter as directed. I never received a response. Thus, I paid {$800.00} on XX/XX/XXXX and {$80.00} on XXXX XXXX and of the total sum awaiting a response to keep the account from being in poor standing. I wrote another letter approx 30 days later on XX/XX/XXXX through certified mail with tracking. To date, I have not received any correspondence from XXXX regarding my inquiry about these charges. However, I received a notice in the mail that the account had been sent to collections. The name of the agency is Receivables Outsourcing, LCC and the total debt listed in {$770.00}. It is unethical to add false charges to patients and its even more egregious to ignore my letters and instead, send these inaccurate charges to a debt collector

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vow have in our files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-17 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: NC

Complaint narrative:
I am a victim of Identity Theft and have a police report to support my claim. I have on several occasions to updated my personal information to the credit bureau and they refuse to update/ remove the address that I am not affiliated with.

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 2024-03-17 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: NC

Complaint narrative:
I am a victim of Identity Theft and have a police report to support my claim. I have on several occasions to updated my personal information to the credit bureau and they refuse to update/ remove the address that I am not affiliated with.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion is in Violation of 15 U.S. Code 1681 ( a ) ( 3 ) and 15 U.S. Code 1681 ( a ) ( 4 ). ( a ) Accuracy and fairness of credit reporting ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I would Like a resolution for TransUnion to provide my credit report on my TransUnion dashboard of my profile and to provide a current hard copy of my credit report. I want to ensure They Update my current score to XXXX and 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 2024-03-17 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Credit Collection Services reported me for non payment of debt to XXXX company for teh amoungt of {$1400.00}, however XXXX had sent me a letter through Credit Collection Sevices offering me to settle the dispute with a discounted opportunity of 60 % on XX/XX/XXXX and i took this offer and settled dicounnted rate which was {$570.00} and paid teh credit collection on XX/XX/XXXX. 

They repoeted me to the credit agencies for non payment and also quited teh full amount {$1400.00}. 

They are unwilling to even listen to teh dates and payment mase. I want this them to repmobe this ASAP and account is closed and settled. 

I have all te paperwork and dates necessary if required. Please let me know.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: TX

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. These accounts and Inquiries 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 2024-03-17 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: FL

Complaint narrative:
Account # XXXX opened-XX/XX/2022 I am writing to address certain concerns regarding the handling of my personal information as outlined under various provisions of the Fair Credit Reporting Act ( FCRA ) and related statutes. 

It is imperative to underscore the fundamental principles delineated within the Fair Credit Reporting Act ( 15 USC 1681 ), particularly in Section 602 ( a ), which emphasizes the need for consumer reporting agencies such as XXXX and XXXX to exercise fairness, impartiality, and respect for individuals ' privacy rights. As a consumer, I am entitled to safeguard my private information, as underscored by the provisions within 15 USC 6801.

Furthermore, in adherence to the policies articulated by the Congress in 15 USC 6802, financial institutions like XXXX are duty-bound to uphold the privacy and confidentiality of their customers ' nonpublic personal information. The law stipulates that any disclosure of such information to nonaffiliated third parties necessitates explicit consent from the consumer, in accordance with 15 USC 6802 ( b ) ( c ). 

Regrettably, I have not been duly informed by XXXX of my right to exercise my nondisclosure option, as mandated by 15 USC 6802. Moreover, the reporting of adverse information without my consent, as reiterated in 15 USC 1681C ( a ) ( 5 ), is a direct violation of my privacy rights and the statutes outlined within the FCRA.

Additionally, I draw attention to 15 U.S. Code 1681s2 ( A ) ( 1 ), which prohibits the furnishing of inaccurate information to consumer reporting agencies. XXXX and XXXX 's failure to maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, further compounds these concerns.

Furthermore, pursuant to 12 CFR 1016.7, I hereby exercise my right to opt out of your reporting services with immediate effect. 

In conclusion, I expect full compliance with the provisions of the FCRA and related statutes regarding the handling and dissemination of my personal information. Your prompt attention to these matters is appreciated. 

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 non-monetary relief
Consumer complaint received 2024-03-17 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: FL

Complaint narrative:
Account # XXXX opened-XX/XX/2022 I am writing to address certain concerns regarding the handling of my personal information as outlined under various provisions of the Fair Credit Reporting Act ( FCRA ) and related statutes. 

It is imperative to underscore the fundamental principles delineated within the Fair Credit Reporting Act ( 15 USC 1681 ), particularly in Section 602 ( a ), which emphasizes the need for consumer reporting agencies such as Equifax and XXXX to exercise fairness, impartiality, and respect for individuals ' privacy rights. As a consumer, I am entitled to safeguard my private information, as underscored by the provisions within 15 USC 6801.

Furthermore, in adherence to the policies articulated by the Congress in 15 USC 6802, financial institutions like XXXX are duty-bound to uphold the privacy and confidentiality of their customers ' nonpublic personal information. The law stipulates that any disclosure of such information to nonaffiliated third parties necessitates explicit consent from the consumer, in accordance with 15 USC 6802 ( b ) ( c ). 

Regrettably, I have not been duly informed by XXXX of my right to exercise my nondisclosure option, as mandated by 15 USC 6802. Moreover, the reporting of adverse information without my consent, as reiterated in 15 USC 1681C ( a ) ( 5 ), is a direct violation of my privacy rights and the statutes outlined within the FCRA.

Additionally, I draw attention to 15 U.S. Code 1681s2 ( A ) ( 1 ), which prohibits the furnishing of inaccurate information to consumer reporting agencies. Equifax and XXXX 's failure to maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, further compounds these concerns.

Furthermore, pursuant to 12 CFR 1016.7, I hereby exercise my right to opt out of your reporting services with immediate effect. 

In conclusion, I expect full compliance with the provisions of the FCRA and related statutes regarding the handling and dissemination of my personal information. Your prompt attention to these matters is appreciated. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
I have been enrolled in the XXXX XXXX XXXX XXXX XXXX XXXX. I met all the criteria for having my loans forgiven under the program in XX/XX/XXXX and I submitted all the necessary applications for the program at that time. When Mohela took over the program from XXXX, I noticed many errors in their payment tracker. They were missing eligible payments I made when the loans were under XXXX. I called Mohela several times to alert them of the issue ( even speaking to supervisors ) and I was told that " lots of accounts have errors and we are eventually going to fix them ''. I kept tabs on it and it has been almost 2 years and they are still missing eligible payments. I have XXXX counted as eligible, but they keep skipping XX/XX/XXXX and XX/XX/XXXX. I paid the full amount due for both those months and have told them this for the past XXXX years via messages and phone calls. I opened a case with the US Department of Education regarding this matter as well that is still not resolved. I was told via message that the account was in forbearance in XX/XX/XXXX and XX/XX/XXXX- but here 's the kicker - I never filed a forbearance request. I believe Mohela is presenting false information to delay approving XXXX loan forgiveness for borrowers so they can prolong receiving money for payments. I even called them out on XX/XX/XXXX in writing to produce proof of a forbearance requested by me at any time in XXXX and they ignored my message- which makes me think someone discovered they were indeed at fault and made a mistake. I received no response other than the templated response they send everyone that says they will address the matter in XXXX business days- well they never responded to my request as to whom requested a forbearance on my account in XXXX if that is true as their representatives claim. They have errors in their data and I and other borrowers have suffered for it. What makes it so egregious is the fact that I asked for a printout of what they had in their files as payment records -- the printout Mohela sent me SHOWS PAYMENTS made XX/XX/XXXX which should have been marked as eligible! How can their own records show the payment yet they keep denying it happened?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation