vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-01 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: MA

Complaint narrative:
I am writing to submit a formal dispute regarding inaccurate information on my credit report, which was obtained from Equifax. On XX/XX/XXXX, I contacted Equifax regarding the following incorrect information on my credit report, and to this date, they have not responded. Please find below the details of the inaccurate information and the required corrections : The following account was never late : Creditor : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$560.00} Correction : Please correct/update this inaccurate information on my credit report. 

The following account is not mine : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$0.00} Correction : Please remove it from my credit report. 

I require that you verify the account identified as XXXX XXXX : Date Opened : XX/XX/XXXXXXXX  Balance : {$25.00} Correction : The reported balance of {$25.00} is inaccurate. I believe it should be a lower amount. Furthermore, the Past Due amount should not be presented as this account is closed and charged-off. Please mark this account as disputed while I resolve my dispute with the creditor. I also request verification of the Date Opened, Date of Status, and First Reported. 

The following account is not mine : Creditor : COLLECTION Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$8300.00} Correction : Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$740.00} Correction : Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$340.00} Correction : Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$1900.00} Correction : Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX XXXXL Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$1700.00} Correction : Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: COLUMBIA BANKING SYSTEM, INC.
State: IN

Complaint narrative:
On XX/XX/XXXXXXXX  XXXX XXXX and XXXX XXXX entered into a Equipment Finance Agreement with Financial Pacific Leasing a subsidiary of Umpqua Bank for what was understood as the purchase of an XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX ' XXXX  XXXX  at XXXX XXXX in Arizona. During the time of purchase the interest on the " loan '' was never disclosed and we were rushed to sign the paperwork. It was only disclosed that we had a total of 60 payments at {$1800.00}. We were also led to believe we could do an early payoff on said lease. On XX/XX/XXXXXXXX  XXXX reached out to Financial Pacific Leasing via email to request the 10 Day Payoff amount. The response received from Financial Pacific Leasing was that we signed on for 60 payments of {$1800.00} and there is no adjustment made as there is no interest just a finance fee. We were informed on XX/XX/XXXX that the payoff amount was {$89000.00}. On XX/XX/XXXXXXXX  XXXX XXXX and one of our associates for XXXX XXXX XXXX XXXX, XXXX XXXX spoke on the phone with a XXXX XXXX regarding the account and requested a break down of all the fees on the lease. We were met with hesitation from the XXXX XXXX and told she would have to request that from a manager. An email chain was established with XXXX XXXX and we received an email with our requested current payoff amount which was reported to us as being {$86000.00}. On XX/XX/XXXXXXXX  we finally received a copy of the Amoritization Report which clearly shows the interest being charged on the lease at a rate of approximately 106 % if our calculations are correct. Had this rate been disclosed at the time of purchase we would have never agreed to this financing.

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 2023-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
contacted XXXX to check my credit rating and learned my score is only XXXX because the Capital One false information is still on my record with all the credit companies and this is causing me financial hardships when getting quotes for homeowners and auto insurance. I have refuted Capital One 's claim and they have never provided the one piece of proof that will support my claim that I don't owe them anything. Also, this issue goes back many years to the actual incident. But Capital One has repeatedly moved the date each time they contacted me or their collection agency called me. This process needs consumer financial revision. The game they are playing is against consumers unfairly and shouldn't be allowed. What Capital One has done in this case is ignore the truth. I shouldn't have to hire an attorney to get this corrected. This complaint is on-going and CFPB should step up and make Capital One provide the " recorded conversation between me and their office representative who correctly said I was not responsible and not to worry I would not be charged for the fraud. '' Consumers deserve honest treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 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: PA

Complaint narrative:
I currently have a Fruad account on my credit report and unauthorized inquiries appearing on my credit report.

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 2023-10-01 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: PA

Complaint narrative:
I currently have a Fruad account on my credit report and unauthorized inquiries appearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 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: TX

Complaint narrative:
This is a formal complaint against Equifax. Equifax has been reporting discrepancies on my credit report. 
I sent Equifax a certified mail letter to dispute this item with the tracking number XXXX delivered on XX/XX/XXXXXXXX  at XXXX Equifax has not picked up their mail yet since it was delivered. 

The XXXX XXXX is a common law concept that is the default rule governing mailing and communication contract. Once an offer has left the offerors hands, the offer can not be changed materially, even if circumstances change. The contract is considered accepted as soon as the acceptance is dropped in the mail. 

The XXXX XXXX is clear that the contract starts once the communication contract its dropped in the mail. Since Equifax has not picked up their mail, I refused equifax to do any investigation regarding this account except to Delete the account IMMEDIATELY. SHOULD EQUIFAX PUT THIS ACCOUNT INTO DISPUTE AFTER RECEIVING MY COMPLAINT I WILL FILE A CLAIM WITH DISTRICT COURT. 

I must remind Equifax that the FCRA LAW states information reporting has to be 100 % verifiable and 100 % accurate. Its their duty to ensure that all information reports to be consistent and most importantly accurate and Equifax failed to do so. 

This account number XXXX is a revolving credit and a revolving credit account and a revolving account gets reported 180 days past the due date as a charged off. However, this account history is not reported accurate. 

1. Equifax is reporting payment history in XX/XX/XXXXXXXX  past due 30 days, 60 days in XX/XX/XXXXXXXX  and stopped reporting in XX/XX/XXXX. Nowhere mentioned of the last payment or charged off. 
2. Equifax report is blank 3. Equifax is reporting monthly payments blank 4. Equifax is reporting high credit balance blank 5. Equifax is reporting past due blank. 
6. Equifax is reporting the date of payment blank 7. Equifax is reporting last date of active blank Violation 15USC1681 ( a ) Although Equifax its aware about this violation but is still reporting false misleading information on my consumer report. 
The law is very clear as to the Civil liability and remedy available to me for negligent noncompliance ( Section 617 ) Equifax hereby put on notice that they are in violation of several US CODES which I can be seeking {$1000.00} per each violation. 

Reminder of DIXON-ROLLINS Vs Experian Information Solutions . Inc. ( 2010 ) and Miller vs Equifax Information Services LLC ( 2013 ). These consumer won their case against the bureau. 

FAILURE I WILL FAIL A CLAIM WITH ALL THE EVIDENCE I HAVE. 

ENCLOSED YOU WILL FIND DISPUTE LETTER, XXXX REPORT, USPS TRACKING INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 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: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
Its been effecting my credit for 7 years now i had my identity stolen and XXXX  XXXX  and XXXX  XXXX bank kepts showing on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX 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 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 explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CEX.IO CORP.
State: MA

Complaint narrative:
Commencing on or around XX/XX/, I fell victim to multi-layered scam operation run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my CEX.io account to fraudulent investment firm ( s ).

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 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: MN

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-10-01 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: MN

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-10-01 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: CO

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report, which was reported by Experian. On XX/XX/XXXX, I initially contacted Experian regarding the following erroneous information : Account : XXXX Date Opened : XXXX XXXX, XXXX  Balance : {$1300.00} This account is not mine ; please remove it from my credit report.

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 2023-10-01 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: PA

Complaint narrative:
To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 Please remove it from my credit report

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 2023-10-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: MD

Complaint narrative:
I recently checked my credit report and noticed someone opened a XXXX account in my name because Ive never had a XXXX account also some inquiries were made that I didnt authorize. I would like for enhanced recovery co to delete this immediately off my report as it is hurting my score and again I never opened a XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 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: CO

Complaint narrative:
I am writing to inform you that on XX/XX/XXXX, I contacted Equifax regarding the incorrect information on my credit report. Despite my initial contact, I have not received any response from Equifax to date. I would like to report the following inaccurate information on my credit report and request the necessary corrections : Account Name : XXXX  Date Opened : XX/XX/XXXX Balance : {$1300.00} This account does not belong to me, and I request its immediate removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 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: IL

Complaint narrative:
My pocket book was stolen a while back and whomever stole my wallet had access to all of my personal information. My social security card, debit cards etc. I recently checked my credit report because I begin to receive offer letters to resolve lines of credit I never obtained. Please remove these fraudulent accounts from my credit report. The Federal trade commission is aware of these acts. I have a report from them.

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 2023-10-01 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: MA

Complaint narrative:
I am writing to formally dispute and request corrections for inaccurate information present on my TransUnion credit report. On XX/XX/XXXX, I initiated contact with TransUnion regarding the following discrepancies, and as of the present date, I have not received any response. I hereby provide the relevant details of these inaccuracies, along with my requested corrections : Account with XXXX XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$560.00} ) : This account was never late. 
Please update this inaccurate information on my credit report. 

Account with XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ) : This account is not mine. 
Please remove it from my credit report. 

Account with XXXX XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$25.00} ) : The reported balance of {$25.00} is inaccurate. 
The Past Due amount should not be presented, as this account is closed and charged-off. 
Please mark this account as disputed while I resolve my dispute with the creditor. 
Verify the Date Opened, Date of Status, and First Reported. 

Account with XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$750.00} ) : This account is not mine. 
Please remove it from my credit report. 

Account with XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8300.00}, Original Creditor : XXXX  ) : This account is not mine. 
Please remove it from my credit report. 

Account with XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} ) : This account is not mine. 
Please remove it from my credit report. 

Account with XXXX XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} ) : This account is not mine. 
Please remove it from my credit report.

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 2023-10-01 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: CT

Complaint narrative:
On or about XXXX XXXX XXXX, in support of helping my granddaughter with her loan repayment I spoke with a Navient representatives to arrange a payment structure that would allow me to apply for co-signer release. At that time Navient stated that if I agreed to monthly automatic debts of {$630.00} from XXXX XXXX XXXX - XXXX XX/XX/XXXX, I could apply for co-signer release. No other conditions were revealed to me at the time this arrangement was made. With the financial help of my sister, I honored the agreement. However, when I tried to apply for co-signer release in XXXX, XXXX, Navient then stated additional terms, most notably that my granddaughter would need to pay over {$1000.00} a month for a term of time before I could be considered for release. That amount was and continues to be beyond my granddaughter 's financial capability. Nevertheless, I continued to help my granddaughter with paying on her student loans by sending money directly to her. Around XX/XX/XXXX Navient and my granddaughter hit an impasse regarding the amount of money she could pay each month. Navient then began harassing me. Most of the Navient representatives have been aggressive and hostile ; most especially XXXX XXXX ( # XXXX ) with whom I spoke on XXXX XXXX XXXX. The unrelenting, hostile nature of Navient representatives has resulted in my experiencing physical XXXX XXXX, including the inability to control my XXXX XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX at US Banks Commercial Banking Division is newly added to the Florida educational scholarship program called, XXXX XXXX for Students. 

Now, over XXXX Florida families are being coerced into utilizing a US Bank card for reimbursements from the educational scholarship program. We have been informed, that we are forced to use the US Bank card for reimbursement purposes or we dont get reimbursed for our childs educational products and services. Its actually printed on the issued card that we forfeit funding if we dont activate it. 

Thank you very much for your assistance in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation