vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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.

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 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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

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.

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 non-monetary relief
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.

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 2024-09-21 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:
XXXX account XXXX I think not nime due 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 non-monetary relief
Consumer complaint received 2024-09-22 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Illinois XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX, XXXX, TX XXXX Dear Credit Bureau After carefully reviewing my credit report, I notice that the following accounts listed below are inaccurate. The open date, the date last active, the date of last payment are showing inconsistently between all three credit bureaus. I was reading over the Fair Credit Reporting Act Section 1681e ( b ). You are supposed to assure maximum possible accuracy. Can you investigate the accounts listed below? 


XXXX XXXX After reviewing my credit report this account is reporting the incorrect open date, date of last payment, and date last active, can you reinvestigate this account according to section1681i of the fair credit reporting act. After your reinvestigation if you found this account tone inaccurate or incomplete or can not be verified can you delete this account according to section 1681i ( 5 ) of the fair credit reporting act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, Illinois XXXX XX/XX/year> Experian XXXX XXXX XXXX, XXXX, TX XXXX Dear Credit Bureau After carefully reviewing my credit report, I notice that the following accounts listed below are inaccurate. The open date, the date last active, the date of last payment are showing inconsistently between all three credit bureaus. I was reading over the Fair Credit Reporting Act Section 1681e ( b ). You are supposed to assure maximum possible accuracy. Can you investigate the accounts listed below? 


XXXX  XXXX After reviewing my credit report this account is reporting the incorrect open date, date of last payment, and date last active, can you reinvestigate this account according to section1681i of the fair credit reporting act. After your reinvestigation if you found this account tone inaccurate or incomplete or can not be verified can you delete this account according to section 1681i ( 5 ) of the fair credit reporting act.

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 2024-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I am writing to formally lodge a complaint against XXXX XXXX, a collection agency, for violations of consumer protection laws as outlined below. This complaint is submitted to the Consumer Financial Protection Bureau ( CFPB ) for your review and appropriate action. 

1. Dispute of Debt Ownership : I dispute owing any and all debts to XXXX XXXX. I request that XXXX XXXX cease all communication with me through email, text messages, and phone calls as of the date of this letter. Please be informed that I am revoking any rights for XXXX, XXXX to contact me using these means. 

2. Debt Validation and Purchase Agreement : I request that XXXX XXXX provide validation of t the alleged debt in accordance with 12 CFR 1006.34 ( b ) ( 5 ), Additionally, I request a copy of the purchase agreement between XXXX XXXX and the original creditor to verify the legitimacy of their claim. Furthermore, I require proof that XXXX XXXX is duly licensed and bonded to operate as a collection agency. 

3. Violation of Consumer Rights : XXXX XXXX has failed to provide validation information as required by law but has proceeded to report the collection account on my consumer report. This action has deprived me of the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 

4. Use of False, Misleading, and Deceptive Means : XXXX XXXX has engaged in false, misleading, misrepresentation, and deceptive practices in their collection attempts, which is a clear violation of consumer rights. 

5. Failure to Provide Required Disclosures : XXXX XXXX has furnished accounts to consumer reporting agencies without providing the necessary disclosures as mandated by law, thus violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S I urge the Consumer Financial Protection Bureau to investigate these violations thoroughly and take appropriate enforcement actions against XXXX XXXX. I also request that any negative reporting related to this disputed debt be removed from my consumer report until a valid verification is provided.

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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

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.

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. 

Please delete the following accounts. 
XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/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 non-monetary relief
Consumer complaint received 2024-09-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA

Complaint narrative:
I HAVE CONSOLIDATED LOANS AND HAVE ONLY NEED TO Pay XXXX dollars a month, Have tried to call them but never reached a real person. 
Email to secure messaging many times but never got thru and told to try later. 
I live in XXXX XXXX, and was able to pay XXXX  THRU BANK TRANSFER BUT am unable to maintain a dollar based check account. 
i paid XXXX dollars to Mohela thru XXXX on XX/XX/year>. Mohela says banks bill pay is possible to pay them, but give no details of how to do this. 
I have got threatening emails about m y late payments every day, but no recognition that i have paid them. I don't want to send them any more money until they give me either recognition THAT I have paid them and details of how I can pay them thru a recognized bank bill payer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint against XXXX XXXX, a collection agency, for violations of consumer protection laws as outlined below. This complaint is submitted to the Consumer Financial Protection Bureau ( CFPB ) for your review and appropriate action. 

1. Dispute of Debt Ownership : I dispute owing any and all debts to XXXX XXXX. I request that XXXX XXXX cease all communication with me through email, text messages, and phone calls as of the date of this letter. Please be informed that I am revoking any rights for XXXX, XXXX to contact me using these means. 

2. Debt Validation and Purchase Agreement : I request that XXXX XXXX  provide validation of t the alleged debt in accordance with 12 CFR 1006.34 ( b ) ( 5 ), Additionally, I request a copy of the purchase agreement between XXXX XXXX  and the original creditor to verify the legitimacy of their claim. Furthermore, I require proof that XXXX XXXX is duly licensed and bonded to operate as a collection agency. 

3. Violation of Consumer Rights : XXXX XXXX has failed to provide validation information as required by law but has proceeded to report the collection account on my consumer report. This action has deprived me of the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 

4. Use of False, Misleading, and Deceptive Means : XXXX XXXX has engaged in false, misleading, misrepresentation, and deceptive practices in their collection attempts, which is a clear violation of consumer rights. 

5. Failure to Provide Required Disclosures : XXXX XXXX has furnished accounts to consumer reporting agencies without providing the necessary disclosures as mandated by law, thus violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S I urge the Consumer Financial Protection Bureau to investigate these violations thoroughly and take appropriate enforcement actions against XXXX XXXX. I also request that any negative reporting related to this disputed debt be removed from my consumer report until a valid verification is provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IL XXXX XX/XX/year> Consumer Adjustment Co XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Subject : Final Request for Removal of Inaccurate Collection Account Account # XXXX To Whom It May Concern, I am writing to follow up on my previous disputes regarding the collection account listed on my credit report under the account # XXXX. Despite my initial dispute and follow-up request for verification, this inaccurate collection account remains on my credit report. There is no verification that I owe the debt. I would like for you guys to provide a verification of my wet signature to be sure I owe that debt. 
I have provided evidence that the collection agency did not validate the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ). According to the Fair Credit Reporting Act ( FCRA ) 611 ( a ), only accurate and verifiable information should be reported on my credit file. 
Since the collection agency failed to provide validation and my previous requests for verification have been ignored, this account should not appear on my credit report. This is my final request for the removal of this account. If you do not remove it, I will be forced to escalate this issue by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action for non-compliance with the FCRA. 
Please remove this collection account from my credit report immediately and provide written confirmation of this action. Under FCRA 611 ( a ) ( 5 ) ( A ), if the information can not be verified, it must be deleted from my credit file.

Thank you for your immediate attention to this matter. I expect a response within the 30-day period allowed by law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: MD

Complaint narrative:
Im have a particular difficult time with Experian credit reporting agency. There are a few items that have been reported to all three agencies and deleted by all except Experian. Experian is not following laws and /or doing investigations into these disputes. Example : XXXX XXXX was a pre paid debit card that should have never been reported because it was pre paid.. Ive spoken to numerous agents about the issue and nothing is being resolved.

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 2024-09-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AR

Complaint narrative:
Non delivery of transfer. Incorrect aand insufficient information. Billing error resolution requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: SC

Complaint narrative:
I am writing to formally notify you that I have been the victim of identity theft, which has resulted in the unauthorized opening of multiple fraudulent accounts in my name. These accounts were established without my knowledge or consent, and I am requesting your immediate intervention to address and remove them from my credit report. 

ACCOUNTS - XXXX  XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have already filed an identity theft report with the Federal Trade Commission ( FTC ) and expect these fraudulent accounts to be expeditiously removed to ensure the integrity and accuracy of my credit profile.

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 2024-09-21 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: GA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

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 2024-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I am being charged to over the allowed apr rate per the Louisiana scra act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Thursday starting @ XXXX XXXX  PST attempted sign in on transunion web page after repeated failure to sign in, began calling customer service and fraud alert numbers and could not accomplish either Credit Freeze of Fraud Alert.. Robot answering system consistently disconnected after collecting @ XXXX minutes of personal data each attempt ( XXXX attempts ) spent XXXX hour XXXX minutes Friday starting @ XXXXXXXX XXXX PST, attempted to again to activate Credit Freeze and Fraud Alert. Again stymied by Customer Service robot again hanging up after acquiring personal data ( SS #, home address, cell #, full name, questioned about my prior addresses, names, phone numbers ) then disconnected when asked if they could call me back. 

Finally was able to get Transunion robot to set up a call back, again after going through asking all above personal data and questions. This was another XXXX hour XXXX minutes of frustration. 

I received a call back XXXX minutes later and successfully ( hopefully, because I have no proof or confirmation from Transunion ) obtained Credit Freeze and filed the Fraud Alert. 

I spent XXXX minutes getting Credit Freeze and Fraud report with XXXX. 

I spent XXXX minutes obtaining same with XXXX. 

Transunion frustrated and scared me because I though my identity had already been stolen and my personal info changed. Since it was accomplished by phone, their system is a disservice to the people whose information they market.

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