vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information that has been reported on my consumer file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to accurate and complete information in my consumer reports, and I believe the following item ( XXXX ) to be erroneous : Creditor/Company Name : XXXX Account Number : XXXX Inaccurate Information : o The " Date Opened '' is listed as " XX/XX/XXXX '' by TransUnion but " XX/XX/XXXX '' XXXX XXXX and XXXX, causing discrepancies in account history. 
o The " Date Last Active '' is reported as " XX/XX/XXXX '' by TransUnion and XXXX, but XXXX reports it as " XX/XX/XXXX, '' suggesting outdated or incorrect reporting. 
o The " Comments '' field includes different remarks across bureaus. TransUnion states " Dispute resolved ; reported by grantor, '' XXXX mentions " Account was in dispute- now resolved - reported by subscriber, '' and XXXX notes " Account previously in dispute- now resolved by data furnisher. '' These inconsistent comments create confusion and misrepresent the accounts current standing. 
o The " Two-Year Payment History '' shows a " XXXX '' delinquency for XX/XX/XXXX in XXXX, while TransUnion and XXXX report no delinquencies for the same period.

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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information that has been reported on my consumer file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to accurate and complete information in my consumer reports, and I believe the following item ( XXXX ) to be erroneous : Creditor/Company Name : XXXX Account Number : XXXX Inaccurate Information : o The " Date Opened '' is listed as " XX/XX/XXXX '' by TransUnion but " XX/XX/XXXX '' XXXX XXXX and XXXX, causing XXXX in account history. 
o The " Date Last Active '' is reported as " XX/XX/XXXX '' by TransUnion and XXXX, but XXXX reports it as " XX/XX/XXXX, '' suggesting outdated or incorrect reporting. 
o The " Comments '' field includes different remarks across bureaus. TransUnion states " Dispute resolved ; reported by grantor, '' XXXX mentions " Account was in dispute- now resolved - reported by subscriber, '' and XXXX notes " Account previously in dispute- now resolved by data furnisher. '' These inconsistent comments create confusion and misrepresent the accounts current standing. 
o The " Two-Year Payment History '' shows a " XXXX '' delinquency for XX/XX/XXXX in XXXX, while TransUnion and XXXX report no delinquencies for the same period.

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 2024-12-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
When XXXXXXXX XXXX XXXX XXXX it left me and my family in the dark for days we exceeded my funds and I wasn't able to make a regular payment, so I asked for an extension. I paid the first part beginning of XX/XX/2024. I was contacted by Ally financial on around XX/XX/XXXX that the past due extension wasn't paid, I paid the first portion on XX/XX/XXXX, the XXXX payment was a mistake and should have been automatically taken out, I didn't find out they didn't take it out until the XXXX XXXX. I didn't know this, they gave me XXXX to come up with it but being XXXX and on XXXXXXXX XXXX XXXX  I didn't have it again until beginning of the next month, which I paid, when I asked them to remove the late pay they said no. They wouldn't. I am requesting that this late pay be removed off of my credit report because I should have been given consideration because of hardship due to hurricane beryl anyway, even though they granted me the extension, that's not the only bill I had to pay. So everything was off track after hurricane beryl. I paid it, but I wasn't aware they didn't automatically take it out. This company definitely has communication on their recordings so what I am explaining they record their calls. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I asked the original creditor for the 1099c and they are refusing to relinquish it to me without paying a settlement which by law if an account is charged off they must provide the 1099c

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am XXXX XXXX, my address is XXXXXXXX XXXX for the past XXXX years. 
I received a piece of mail during the week of XX/XX/year> from Citibank addressed to a XXXX XXXX. I do not know a XXXX XXXX and this is not a family member. I returned the mail to XXXX. 
During week of XX/XX/year> I received XXXX additional pieces of mail addressed to XXXX XXXX from Citibank. I opened XXXX and it contained a new debit card for XXXX XXXX. 
I contacted Citibank to report this information. I was able to verify that their system showed an account was opened under this name. At their request I opened the other piece of mail and it contained the PIN number for the debit card. 

They took this information and said their fraud department would investigate and get back to me with their findings. 

On XX/XX/year> a piece of mail from Citibank Risk and Fraud Operations was received addressed to XXXX XXXX. This contained a form letter that they confirmed an account was opened under the addressees name without their knowledge or consent. 
My concern is they are addressing the wrong person and potentially sent information to credit reporting agencies that 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 2024-12-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
XXXX ACCOUNTS OPENED WITH OUT MY CONCENT * XXXX XXXX XXXX Account # XXXX Date opened : XX/XX/XXXX Balance : {$62000.00} FRAUDULENT NOT MINE * XXXX XXXX XXXX Account # XXXX Date opened : XX/XX/XXXX Balance : {$66000.00} FRAUDULENT NOT MINE * XXXX XXXX XXXX Account # XXXX Date opened : XX/XX/XXXX Balance : {$36000.00} FRAUDULENT NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rhodes, Kelly Assoc Inc
State: NC

Complaint narrative:
On XX/XX/2024 I paid both medical debts with the agreement they would delete from my account. They were supposed to send me a letter of deletion that I could show to my mortgage lender in order to approve for my home loan. 
I did not receive a letter of deletion though, just a receipt for payment. I need the proof they promised that these accounts would be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: PA

Complaint narrative:
Re : Feedback on Equifaxs Response to Complaint Complaint ID : XXXX Dear CFPB, I am writing to provide feedback regarding Equifaxs recent response to my complaint submitted through the CFPB portal ( Complaint ID : XXXX ). While I appreciate the attention given to my concerns, I remain dissatisfied with the resolution and accuracy of the information provided. 

Key Issues with Equifaxs Investigation : Inaccurate Charge-Off History : Equifax has updated some fields, but the charge-off date inconsistency persists. My credit report shows charge-offs from XX/XX/XXXX through every month in XXXX and XXXX, while the creditors response states that the account was charged off in XX/XX/XXXX. This discrepancy remains unresolved. 

Incorrect First Delinquency Date : Equifax reported that delinquency began in XX/XX/XXXX, yet my payment history reflects charge-offs starting in XX/XX/XXXX, causing confusion and inconsistency. 

Negative Available Credit : The balance and available credit reported are still incorrect. My credit limit was {$200.00}, but the negative available credit of - {$230.00} is a miscalculation that affects my credit report negatively. 

Incomplete Payment History : Equifax updated some payment fields, but there are still discrepancies with actual and scheduled payments. Specifically, scheduled and actual payment amounts remain incomplete for the reported months. 

Lack of Thorough Investigation : Despite providing detailed documentation and supporting evidence, XXXX investigation did not result in a resolution that reflects the correct history and status of the account. 

Requested Action : I respectfully request that Equifax further investigate and correct all inaccuracies reported on my credit report. Additionally, I urge the CFPB to ensure that Equifax complies fully with the Fair Credit Reporting Act ( FCRA ) in providing accurate and verified information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: STATE EMPLOYEES CREDIT UNION
State: SC

Complaint narrative:
I spoke with XXXX at XXXX and was told this was not possible until I paid the balance of the other loans in full. I was hospitalized and was unable to conduct my own banking. During this time, my mother who has power of attorney was paying the bills ; however, she was unaware of a {$500.00} payday loan through North Carolina State Employees Credit Union ( ncsecu ). The account was closed, and she was unable to make payments traditionally, and when she finally figured out how to pay the car loan, the other loans were charged off. Now, it has been relayed that the title can not be sent despite being told that it would be mailed, and it is being held as a means to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: CA

Complaint narrative:
In accordance with THE Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX Re Acct # XXXX #, has violated my rights. 

15 U.S.C 1681section 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.

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 2024-12-11 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: CA

Complaint narrative:
In accordance with THE Fair Credit Reporting act Convergent Account XXXX XXXX XXXX XXXX Acct # XXXX #, has violated my rights. 

15 U.S.C 1681section 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Credit Sage LLC
State: MD

Complaint narrative:
Hi, There was a collection on my account that was from XXXX {$120.00} on my credit karma report. When I clicked on my account they it took me to a company called credit sage to help with the collection. I called them and they said I will have to pay {$200.00} to take out the collection on my account which I payed and also the {$120.00} from XXXX. The lady told me that it will take 30 days for them to remove it from my account, a month passed by the collection was still on my XXXX XXXX. I called Credit Sage to get an update they told me that they are still working on it and to wait when it XXXX  days. I waited and I called again they said they are still disputing and to continue I will have to pay again I told them what the lady told me the first day, but they ignored. I tried explaining to them my financial situation that I cant keep paying and nothing was being done. They said that they will work on it, I payed but time them that, that was the last payment. And on XX/XX/year> I saw a charge again, I called them to get a refund because I didnt authorize that payment and besides they didnt fixed what they said they where going to fixed and they said they cant refund me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: CA

Complaint narrative:
In accordance with THE Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681section 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.

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 2024-12-11 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: CA

Complaint narrative:
In accordance with THE Fair Credit Reporting act Convergent Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681section 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened XX/XX/XXXX Balance {$3500.00} - Charge off XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$190.00} - Charge off XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX Charge off XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$3300.00} - Charge off XXXX XXXX XXXX Date Opened XX/XX/XXXX Date Opened XXXX - Late/Open XXXX XXXX XXXXXXXX, XXXX XXXX Date Opened XX/XX/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 explanation
Consumer complaint received 2024-12-11 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-12-11 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: OR

Complaint narrative:
Late payments have been incorrectly reported on my credit record, and my previous communications sent over 30 days ago remain unaddressed. Despite requesting validation, I have received no response regarding these disputed transactions, which require immediate investigation and correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Heres a sample of how you might describe what happened for your dispute : I am disputing the debt associated with Midland Credit Management that was reported on my credit file. The account, which shows an open balance of {$640.00}, was opened on XX/XX/year>. I have no knowledge of the transaction or obligation that led to this reported balance. 

I previously disputed this debt with Midland Credit Management and requested clarification regarding the origin and ownership of the debt, but I have not received sufficient documentation to verify the debt. I am requesting that they provide proof of ownership and the original creditor 's name, the amount owed, and the amount paid to purchase the debt. 

Furthermore, I am concerned that Midland Credit Management is attempting to collect a debt that they XXXX not legally own, as they are not the original creditor. If they purchased the debt, they need to provide documentation proving they have the legal right to collect on it. I have not been given the required validation, which has resulted in this debt remaining on my credit report and negatively impacting my XXXX XXXX. 

To resolve this, I am requesting that Midland Credit Management provide proof of the debts ownership and any related documents verifying its legitimacy. If they can not provide this, I request that the debt be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: GA

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

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 2024-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
On XXXX XXXX, 2024, I sent a letter to LVNV c/o Resurgent Capital about two accounts that were on my report that I was not aware of. I've sent the letter certified mail ( Tracking Number XXXX ) and have a signature acknowledging that they received it. I have attached it to the complaint as well as with the signed receipt. 

In the letter I asked for proof of my signature acknowledging that I was aware of the debt and the Original Debt Buyers Agreement/Forward Flow Agreement as I have been contacted by different companies about this debt. 

To this date, I have not received either. The fact that they have put this information on my credit report is a misrepresentation as I have never done business or was provided a service by this company. 

I request that this account be removed from my credit report and closed as I have not been provided the information that I have specifically requested over 60 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: TX

Complaint narrative:
I have requested proof with a signed agreement between myself and the creditor to validate the debt. They only send me a final statement. Also I have never received a 1099 for this debt as it has been charged off as bad debt which I need to file taxes for the income.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: DC

Complaint narrative:
I received a notice from MOHELA that due to some mistake, I could have my XX/XX/XXXX payment refunded. I just needed to call and request the refund. I received this around XX/XX/XXXX and called right away. I did not receive my refund so I called back in XXXX and they said it was pending. 

Today, having still not received my refund I called again. They told me the request was submitted on XX/XX/XXXX and was still within their window of 90 business days for refunds. 

I submitted my request in late XXXX or early XXXX. It's absurd that it's XXXX and they have not issued me my refund.

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