vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-07 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2024 Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX am having issues with my credit report. I noticed multiple TILA violations on my report. I recently spoke with a legal advisor regarding this matter. Please send me the following as PROOF that you did your due diligence in maintaining the accuracy of my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, notified me 21 days before with a statement, a copy of the creditor 's payment ledger, As a consumer, by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for the violation of my right in small claims court in my city and state under 15 USC 1681n civil liability because I've been violated. 

Here is the law code for reference : 1666 ( b ) billing error- ( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor, or a credit issued to the obligor ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

DO NOT SEND ME ANYTHING BACK TRYING TO STALL. I AM WHO I SAID I AM. I HAVE INCLUDED MY ID AND SS NUMBER AND YOU SHOULD BE ABLE TO FIND ME. IF YOU SEND A STALL LETTER THIS FURTHER LETS ME KNOW THAT YOU ARE NOT DOING YOUR JOB.I WILL BE KEEPING RECEIPT OF THIS FOR LEGAL PURPOSES,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: EQUIFAX, INC.
State: CT

Complaint narrative:
Despite numerous attempts, I have been unsuccessful in resolving the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of XXXX XXXX I have no choice but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs, substantially impacting my financial well-being. For your reference, I have attached a copy of the letter I previously sent to the XXXX XXXX XXXX XXXX XXXX XXXX, which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: FL

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIA DEALER 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 2024-05-07 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: TX

Complaint narrative:
I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments.

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 2024-05-07 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The lists of accounts below has violated my federally protected consumer rights to privacy and confidentiallity under 1681.

15 USC 1681e ( b ) is a subchapter that requires consumer reporting agencies to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter1. It also requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of consumer reports and to limit the furnishing of consumer reports to the purposes listed under section 1681. I Looked at my XXXX credit report and notice some things are incomplete and not accurate, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2024-05-07 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
This is to inform you of ; COLUMBIA DEBT RECOVERY LLC DBA GENESIS business practices, when they first had contacted me about this owed debt they had told me not paying them on that day and they would move forward with it and affect my credit. ( i know how reports to credit agencies work ) also on two separate occasions " XXXX '' from the collections team had said to me ; XXXX : XX/XX/2024 XXXX " ask a friend for money '' XXXX XXXX called during work hours : " you should pay today '' " get the money some how '' etc which in my opinion is a malicious way to try and collect a debt, i had spoke with them and they had tried to make me a " deal '' on my collection. however i was informing them that the debt in itself is invalid on a few charges, not going to go into detail but that is the current situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: VA

Complaint narrative:
Notice of Violation of FCRA 15 U.S. Code 1681s2 I hope this letter finds you well. I am writing to address a matter of utmost importance regarding recent discrepancies observed in my credit report. As per the regulations outlined in the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681s-2 ( 3 ), it is imperative for entities to acknowledge and properly handle consumer disputes concerning the accuracy or completeness of data provided to consumer reporting agencies. Upon thorough review of my credit report, it has come to my attention that certain information has been inaccurately reported. I have taken the necessary steps to dispute these discrepancies, providing ample time for resolution, as explicitly stated in my previous correspondences. 
However, to my dismay, these disputes have not been duly noted as required by law. 
Under the provisions of 15 U.S.C. 1681s-2 ( B ), it is explicitly stated that information must not be furnished to any credit reporting agency if it has been notified by the consumer of specific inaccuracies. Despite providing clear notification through certified mail, accompanied by return receipts confirming delivery, there has been a blatant disregard for my concerns and legal rights.

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 2024-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NORTHERN HILLS COLLECTIONS INC.
State: WY

Complaint narrative:
I am submitting this formal complaint against Northern Hills Collections Inc. to the US Consumer Finance Complaint website. The debt claimed by Northern Hills Collections Inc. is not valid, as I have never received any goods or services from the company in question. Furthermore, the alleged debt has exceeded the statute of limitations in South Dakota, rendering any legal action invalid. 

I am deeply concerned about the threatening nature of the letters I have received from Northern Hills Collections Inc., a copy of which is attached for your reference. Despite my efforts to seek validation of this debt by filing with all three major credit bureaus, there has been no response or validation of the debt in question. 

I request immediate investigation and appropriate action to address the unethical and harassing behavior of Northern Hills Collections Inc . Cease all collection activities related to this disputed debt, provide validation of the debt 's existence as required by law, and take corrective measures to rectify this situation. 

Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and inaccurate activities associated with the following accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: MA

Complaint narrative:
I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT 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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-05-07 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: IL

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-05-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Movement Mortgage LLC
State: GA

Complaint narrative:
Movement Mortgage ( and subsequently XXXX ) On XX/XX/XXXX I began trying to get payoff amount for my mortgage and could not get a response from movement mortgage. After multiple attempts, I used the last statements outstanding principal balance and sent a certified check ( mailed on XX/XX/XXXX ). Using tracking number, I saw that the check was delivered to their mailbox on XX/XX/XXXX ( Sunday ). I called on the afternoon of XX/XX/XXXX to find out why payment had not been posted. Movement denied receiving it and continued to deny receiving it for the entire week. Multiple calls and emails were made, multiple complaints filed, Supervisor XXXX continued to lie and state that check was never received, proof of check and delivery was provided to her. On XXXX several attempts to reach her or receive a call back were ignored. On XXXX, I spoke with XXXX in customer service who informed me that on XXXX, the check and a payoff letter was sent via XXXX to XXXX ( a mortgage group to which my mortgage had been sold ). The payoff amount she indicated was incorrect and actually more than the original mortgage amount. We have made 6 payments ON TIME and wished to pay it off before being sold. She provided a XXXX tracking number. The check was received by XXXX on XXXX at XXXX XXXX. Multiple calls to XXXX on XXXX & XXXX results in the check still not being applied and an indication that it would not be applied on XX/XX/XXXX when the check was originally received by Movement. Multiple attempts to reach someone at Movement Corporate Offices ended in only going back through same customer service loop as before. Currently, I have over {$270000.00} dollars hanging in limbo, not earning interest and not being applied to my mortgage. I need help. Please inform me if I need to obtain an attorney. If needed, I have almost 2 pages of handwritten notes and multiple emails indicating my attempts to resolve this over the last two weeks. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I am auto class member of XXXX XXXX  XXXX. My federal has been discharged due to being defrauded by XXXX University. I should get full resolution with my private Navient Loans as well. Ive been reading online that they are starting a pilot program for borrowers defense and some lucky individuals are getting their private loans discharged and some even refunded because they were tricked into going to school which has happened to me. I would like my payments to Navient and Sallie Mae before that refunded to me because this falls into the same scam schools.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized charge {$25.00} on account that was inactive and doormat for over a year Company charging late fees for an inactive account and refuses to take fees off CR And unauthorized close of account. 
Called 5 times no corrections.

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 2024-05-07 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: VA

Complaint narrative:
Notice of Violation of FCRA 15 U.S. Code 1681s2 I hope this letter finds you well. I am writing to address a matter of utmost importance regarding recent discrepancies observed in my credit report. As per the regulations outlined in the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681s-2 ( 3 ), it is imperative for entities to acknowledge and properly handle consumer disputes concerning the accuracy or completeness of data provided to consumer reporting agencies. Upon thorough review of my credit report, it has come to my attention that certain information has been inaccurately reported. I have taken the necessary steps to dispute these discrepancies, providing ample time for resolution, as explicitly stated in my previous correspondences. 
However, to my dismay, these disputes have not been duly noted as required by law. 
Under the provisions of 15 U.S.C. 1681s-2 ( B ), it is explicitly stated that information must not be furnished to any credit reporting agency if it has been notified by the consumer of specific inaccuracies. Despite providing clear notification through certified mail, accompanied by return receipts confirming delivery, there has been a blatant disregard for my concerns and legal rights.

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 2024-05-07 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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.

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 2024-05-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: MI

Complaint narrative:
Kia is predatory in charging fees to clients. They shut off your online account if you have a returned payment and make you pay through one of their customer service representatives. To pay with the customer service agent, they charge you a fee. 

The only other option would be to mail a check, per their representatives, which costs money for postage and could delay payment being made.

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 2024-05-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I saw that I have an unauthorized credit inquiry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 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: TX

Complaint narrative:
I saw that I have an unauthorized credit inquiry

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 2024-05-07 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: TX

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and inaccurate activities associated with the following accounts.

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