vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I asked for a debt verification letter from XXXX USA 15 days ago. I called them back and they told me I can get it until their investigation is complete first. I have the right to receive information that negatively impacts my consumer report. They told me I dont have that right.

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 2023-09-05 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: CT

Complaint narrative:
I am writing to you because you are reporting inquiries on my credit report that I do not recall. I did not authorize the inquiries below. Please review the items listed : Creditor name : XXXX XXXX XXXX name : XXXX XXXX XXXX name : XXXX XXXX XXXX name : XXXX XXXX XXXXXXXX Creditor name : XXXX XXXX Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately.

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 2023-09-05 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: CA

Complaint narrative:
There are multiple fraudulent hard inquiries reporting on my credit report that I have filed IDTR 's on and sent to Equifax. I sent the certified mail on XX/XX/23 and XX/XX/23 to have these removed, and they are still not complying. Due to these hard inquiries, they are disabling my opportunities to receive credit, and I am unable to get help from credit agencies. They are violating 15 USC 1681, 15 USC 1681a ( e ), and 15 USC 1681b ( a ) ( 2 ).

I have provided both certified letters that were sent and signed for.

I demand compensation for the violation of my consumer rights amounting to {$10000.00} for the amount of time and opportunity that Equifax has taken from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 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: ID

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-09-05 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: NC

Complaint narrative:
In an infuriating ordeal, I uncovered the theft of my identity, a violation that left me seething with anger. In response, I diligently filed an FTC identity theft report and painstakingly compiled a detailed police report, expecting decisive action from the credit bureaus. Yet, their astonishing indifference knows no bounds. They not only callously brushed aside my FTC report but also callously disregarded the comprehensive police report I provided, as if my ordeal were nothing more than an inconvenience. To add insult to injury, they couldn't even be bothered to acknowledge my arbitration attempts, sent via priority mail, leaving me incensed. This infuriating ordeal underscores a dire need for an overhaul within the credit reporting industry, demanding rigorous regulations and unwavering accountability to protect consumers like me from the soul-crushing consequences of identity theft. Until these abhorrent issues are remedied, countless victims will continue to suffer while the institutions purportedly safeguarding them demonstrate a shocking apathy towards their plight. 

i am seeking {$2000.00} per violation since it has been 90+ days I have been contacting and submitting the correct information to each credit bureau XXXX ALL 3 Bureaus are in negligent violation of idenity theft standards and regulations according to the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 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: NY

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX # XXXX -- IDENTITY THEFT XXXX XXXXXXXX # XXXX -- IDENTITY THEFT XXXX  # XXXX -- IDENTITY THEFT XXXX XXXX XXXX # XXXX -- IDENTITY THEFT XXXXXXXX XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX  XXXX # XXXXXXXX -- IDENTITY THEFT XXXX XXXX # XXXX -- IDENTITY THEFT UNAUTHORIZED INQUIRY : XXXXXXXX XXXX XXXX XX/XX/2022 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: TX

Complaint narrative:
On or about XXXX, XXXX, I sold my home at XXXX XXXX XXXX XXXX XXXX TX XXXX. At the time of the sale, I had XXXX home monitoring service and 'smart home ' equipment. The buyer, XXXX XXXX, called XXXX to transfer my contract to them, and rather than transfer my contract as I had instructed XXXX and XXXX XXXX to do, XXXX created a new account for her using my equipment and did not inform me. 

After a period of approximately 6 months, I received a collections call from XXXX telling me I owed approximately {$650.00}. I disputed this and refused to pay given that there was call evidence that XXXX XXXX properly instructed XXXX to transfer the contract and not start a new one. Unbeknownst to XXXX XXXX, the new contract was created. 

During my dispute and refusal to pay XXXX during this period, I filed a consumer protection complaint with the Texas Atty. General 's Office, complaint ID XXXX. In addition, I informed XXXX over the phone that should they continue, I would file a claim in small claims court and ask for compensatory damages. 

Following this, XXXX ceased trying to collect on this debt at approximately XX/XX/XXXX. 

Starting approximately XX/XX/XXXX, Zion Debt Holdings LLC informed me that they had purchased this outstanding debt and were now attempting to collect. I explained the situation to them and started a dispute. They maintained that it was their right to collect. I explained to them that should they continue this course of action I would pursue legal remedy. Nothing more came from this. 

On Thursday, XX/XX/XXXX I received a notification from my XXXX XXXX credit monitoring app that my score had dropped significantly. Upon investigation, this {$660.00} debt was marked as charged off by Zion Debt Holdings. 

ZDH has no right to mark this as a chargeoff as this was an improper debt to collect in the first place. XXXX wrote off this debt and ceased attempts to collect once it was determined that evidence was not in their favor and that they were, in fact, in the wrong. Zion purchased this debt from XXXX inappropriately and attempted to collect even after informed of this situation, then proceeded to file against my credit which I have maintained a literal perfect payment history. I have NEVER missed a payment for any debt. 

Zion 's actions are malicious and intentional as I told them to pound sand and that I would pursue legal action should they not cease their attempts. I will be exploring legal action against ZDH.

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 2023-09-05 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: CT

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit card 63 account under an open end consumer credit plan as late for any purpose.

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 2023-09-05 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: CT

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit card 63 account under an open end consumer credit plan as late for any purpose.

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 2023-09-05 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: NY

Complaint narrative:
I received a copy of my consumer report on XX/XX/2023 and I noticed multiple inaccurate information that violates my consumer rights. The CRA lied to me by notifying me in writing that these accounts did not appear on my consumer file when in fact they did! as a victim of identity theft and I request that you reinvestigate and permanently block the information below for FCRA violation section 15 U.S code 1681, 15 U.S code 1681c, 15 U.S code 1681s-2, U.S code 623 ( a ) XXXX  DISPUTED ACCOUNTS : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 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: CA

Complaint narrative:
There is an inquiry on my credit report that is not mine

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 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
This complaint is against EQUIFAX. Equifax reduced my credit score by XXXX XXXX XXXX points between XX/XX/2023 and XX/XX/2023 citing that it was because I closed 2 credit card accounts with XXXX XXXX XXXX as well opening a new line of credit with XXXXXXXX XXXX  for home repairs. Please keep in mind that I was in good standing with this creditor and paying more than the minimum payment. I paid both credit card balances in full and closed the accounts because of the exorbitant fees and interest. The new line of credit with XXXXXXXX XXXX was opened in XX/XX/2023 did not become due until XXXX prior to the work being completed XX/XX/XXXX. So I paid the minimum payment to remain in good status, but to make sure I was not paying for services I had not received. It would seem as though all of my good paying history with XXXX XXXX for several or more years was erased all because I paid the balance off in total, with no pass due payments ever. I know that Equifax was previously cited for incorrectly reporting ratings/scores either by sheer ignorance or manual manipulation. Please investigate. I have tried to digest the explanation they have given but I can't because I have been so committed to rebuilding my credit after being sick, unable to work which left me financially devastated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: PLANET HOME LENDING, LLC
State: LA

Complaint narrative:
Planet lending has been extremely poor in getting information regarding the steps and status of closing on a loan. The assumable loan department is impossible to reach along with the operations team. I started this process on XX/XX/XXXX XXXX. When I contact the customer service they put in a ticket to have the assumable department call back and they never do. This is UNACCEPTABLE when trying to sell a house and transfers g the loan to someone else it should be an extremely simple process since paperwork is all that is needed, however this bank has been extremely poor in communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
Citi has added multiple duplicate Citi Flex plans to my credit card account on my XX/XX/XXXX and XX/XX/XXXX statements that I never requested. They were duplicates of plans that I started paying on back in XXXX. I have now paid off the original plans and Citi essentially started them over and is trying to make me pay them again. Citi flex plans XXXX on my XX/XX/XXXX statement are all duplicates which they have now applied my last payment towards as a first installment. That money should have gone towards my regular balance, not another flex plan. I will attach the XXXX statement showing when the plans were first initiated and then my XXXX and XXXX statements to show when duplicate plans were added. I have had multiple calls with an accounts specialist in Arizona named XXXX, but she has now stopped calling me back. They screwed up my XXXX statement so bad I can't even understand what they did or why. This has caused me great distress and anxiety that I should not have had to deal with. I've always been a customer that pays off the full monthly balance when due. They have provided no help or resolution in this matter. My XX/XX/XXXX balance should be lower by {$5300.00} and any funds applied toward those duplicate plans 10-14 plans should be refunded.

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 2023-09-05 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: NY

Complaint narrative:
I received a copy of my consumer report on XX/XX/2023 and I noticed multiple inaccurate information that violates my consumer rights. The CRA lied to me by notifying me in writing that these accounts did not appear on my consumer file when in fact they did! as a victim of identity theft and I request that you reinvestigate and permanently block the information below for FCRA violation section 15 U.S code 1681, 15 U.S code 1681c, 15 U.S code 1681s-2, U.S code 623 ( a ) 6 DISPUTED ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kriya Capital, LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX just recently removed a false report from my account and now have dug up another paid account onto my report affecting my credit score. It took several months for the information disputed to be corrected and now I have to go through this again. I feel this is some sort of reprisal for submitting my complaint through the CFPB. I WANT MY CREDIT SCORE UPDATED TO REFLECT CORRECT INFORMATION AND I WANT THESE FOLKS TO STAY OUT OF MY REPORT!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I recently discovered that I had a few accounts under my name that I myself had not opened. I only found out about them because I was continuously receiving calls about different accounts being sent to collection ( which at first I thought was just a scam call ). It wasn't until I went to apply for something and got denied that I finally went to check my credit score and noticed a significant decrease. I seen that a couple loans had been opened and sent to collection, and also that a credit card had also been opened and is on its way to collection with a past due and over limit balance. I have filed with identitytheft.gov and have tried explaining to the companies the situation to no avail. I am not sure who or how my information was acquired, and have limited info on the dates accounts were opened. I do have the current amounts as listed below : -XXXX {$1500.00} -XXXX  XXXX  {$440.00} XXXX XXXX XXXX XXXX XXXX  {$690.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: TX

Complaint narrative:
I have been on income based repayment ( IBR ) since I consolidated my federal loans in XXXX. During the Covid-19 pandemic forbearance period, annual income recertification was paused. Per the Department of Education and Federal Student Aid office, income recertification was not required during the forbearance period and will not be required until XX/XX/XXXX at the earliest https : //studentaid.gov/announcements-events/covid-19/income-driven-repayment MOHELA notified me that because I did not recertify my income XX/XX/XXXX ( during the covid forbearance ), I would be removed from income based repayment and would be put on the standard repayment plan. 

MOHELA did offer to recertify my income XX/XX/XXXX and enroll me on SAVE and actually was pushing me to do this. However that is not a fair outcome. The fair outcome would be to keep me on my previous income based repayment plan and have me recertify XX/XX/XXXX as is the case for every other federal borrower.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: CT

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit card 63 account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: TX

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

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