vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-04 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: PR

Complaint narrative:
Under the Fair Credit Reporting Act XXXX Account # XXXX / XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also establishes a The consumer reporting agency can not provide an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: The CBE Group, Inc.
State: AZ

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I am writing to formally notify you that your company has failed to provide adequate notice in accordance with 15 USC 1602 ( k ). Specifically, your company did not clearly and conspicuously disclose the pertinent facts of this transaction. Furthermore, you did not inform me about the cost of credit, and the only evidence of indebtedness provided was a computer-generated agreement.

Under 15 USC 1602 ( k ), " adequate notice '' is defined as a printed notice to a cardholder that clearly and conspicuously sets forth the pertinent facts so that a person against whom it is to operate could reasonably be expected to notice and understand its meaning. This notice can be given by printing it on any credit card, on each periodic statement of account, or by any other means that reasonably assure receipt by the cardholder.

Due to the lack of adequate notice as required by this statute, I was unable to understand the terms, which constitutes a violation under 15 USC 1602 ( k ).

Additionally, according to 15 USC 1601 ( a ), consumers must be made aware of the cost of transactions. Because I was not informed, I made an uninformed decision, resulting in multiple billing errors and unfair credit card practices. 

Moreover, I have not benefited from this transaction, which constitutes a violation of 15 USC 1602 ( p ). Under 15 USC 1602 ( p ), " unauthorized use '' means the use of a credit card by a person other than the cardholder without actual, implied, or apparent authority, from which the cardholder receives no benefit. 

In light of these violations, I request the following actions : DELETE THESE ACCOUNTS OFF OF MY REPORT AND VALIDATE THE DEBT 15USC 1692G ( XXXX ) XXXX XXXX XXXX XXXX XXXX  If my requests are honored, I will refrain from escalating this matter to federal court. However, if my requests are not met, I will pursue legal action against your company for compensatory damages. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX All XXXX Reserved Without Prejudice

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: Opportunity Financial, LLC
State: AZ

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I am writing to formally notify you that your company has failed to provide adequate notice in accordance with 15 USC 1602 ( k ). Specifically, your company did not clearly and conspicuously disclose the pertinent facts of this transaction. Furthermore, you did not inform me about the cost of credit, and the only evidence of indebtedness provided was a computer-generated agreement.

Under 15 USC 1602 ( k ), " adequate notice '' is defined as a printed notice to a cardholder that clearly and conspicuously sets forth the pertinent facts so that a person against whom it is to operate could reasonably be expected to notice and understand its meaning. This notice can be given by printing it on any credit card, on each periodic statement of account, or by any other means that reasonably assure receipt by the cardholder. 

Due to the lack of adequate notice as required by this statute, I was unable to understand the terms, which constitutes a violation under 15 USC 1602 ( k ).

Additionally, according to 15 USC 1601 ( a ), consumers must be made aware of the cost of transactions. Because I was not informed, I made an uninformed decision, resulting in multiple billing errors and unfair credit card practices.

Moreover, I have not benefited from this transaction, which constitutes a violation of 15 USC 1602 ( p ). Under 15 USC 1602 ( p ), " unauthorized use '' means the use of a credit card by a person other than the cardholder without actual, implied, or apparent authority, from which the cardholder receives no benefit. 

In light of these violations, I request the following actions : DELETE THESE ACCOUNTS OFF OF MY REPORT AND VALIDATE THE DEBT 15USC 1692G ( XXXX XXXX XXXX XXXX XXXX XXXXOPPLNS XXXX If my requests are honored, I will refrain from escalating this matter to federal court. However, if my requests are not met, I will pursue legal action against your company for compensatory damages. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX All Rights Reserved Without Prejudice

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
On XX/XX/XXXX, I noted a collections account on my credit report and made inquiry only to determine that someone was trying to obtain a lease ( in XXXX XXXX  ) under my information. I immediately reached out to the collection agency as well as to the credit reporting agencies. I was advised to file an identity theft report with the Federal Trade Commission ( FTC ) and a police report. Since I live in XXXX XXXX I had to make the report to the XXXX Police Department ( XXXX ) over the phone and file freedom of information report in order to obtain a copy of my own police report since it was not feasible for me to fly to XXXX for the report. I followed all recommendations from the FTC following the filing of my identity theft report and reached out the debt collection company as well as the XXXX credit reporting agencies. All three agencies initiated the extended fraud alert ( EFA ) on my behalf and stated the collection account would be removed. XX/XX/XXXX, I sought a personal loan and found the same debt collection agency was attempting to collect the same account previously identified, however, only XXXX had not removed the account. Upon speaking with an agent from XXXX she stated that it was true that I could only receive the XXXX if I had been a victim of identity theft, but she saw no record of my ever submitting the information informing them of the fraudulent account, and she could not tell me how the XXXX was placed without that information. So, I began the initial dispute process again within XXXX days XXXX stated the information was accurate and would remain on my report. I was then uploaded FTC identity theft report, XXXX report, copy of my driver 's license, proof of my address as well as other supporting information. I uploaded the information on XX/XX/XXXX, at approx. XXXXXXXX XXXX by XXXX XXXX I received an email from XXXX basically saying I was being dishonest, that my FTC report was fraudulent as well as my XXXX report and that they would not remove the fraudulent information from my account because it wasnt fraud. After reviewing all of my supporting documents they have determined this is my account. Even though the information relied upon from the collection agency had no identification, no signature, my name was initially misspelled, and the supporting documents only demonstrated a XXXX document with a computer generated initial and this was all that was required to determine my liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: OH

Complaint narrative:
Hello, recently I looked over my credit report and I noticed several inaccuracies on my credit report. This inaccurate account is hurting my ability to obtain good credit. I understand that you investigate these inaccurate items to ensure accuracy. 

Here is the item Im asking you to verify as accurate. 

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 2024-06-04 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: OH

Complaint narrative:
Hello, recently I looked over my credit report and I noticed several inaccuracies on my credit report. This inaccurate account is hurting my ability to obtain good credit. I understand that you investigate these inaccurate items to ensure accuracy. 

Here is the item Im asking you to verify as accurate. 

XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
Served an order to appear in court on XX/XX/XXXX from XXXX and XXXX XXXX. It states the plaintiff was Midland Funding LLC. The document states that I am the owner of a debt obtained on XX/XX/XXXX in the amount of XXXX. I had to appear at court on XX/XX/XXXX which I did. At that time there representative was about to leave but I stopped him and stated what I was there for. He asked my name and I told him. It was at this time I had asked him whom was the debt from and he stated he did not know and that I could call a XXXX number and they could tell me more information. He stated he was just there to ask XXXX questions that I answered. When I called the XXXX number the agent I spoke to was rude but I asked him where did the debt come from especially since it was a debt from almost XXXX years ago. He stated XXXX XXXXXXXX XXXX. At that time I told him I never opened an account up with XXXX XXXX XXXX and I requested he please send me all the original documentation to verify that I was the owner of this debt. He laughed and stated ok and hung up the phone. XXXX XXXX XXXX is a credit card company and I don't have any memory of opening an account with them at that time. I still have not received the documentation or spoke to anyone regarding this situation. My complaint is that they are trying to garnish my wages for a debt that may not be my debt and also if it is a credit card then they are well past the statue of limitation for this debt. This has cause a lot of unwanted stress in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP
State: PA

Complaint narrative:
I have tried reaching out to my credit card company, Elan Financial Services, for assistance with paying my credit card bill. I tried uploading my paystubs and financial statements proving that I am experiencing financial hardship however, the secure message portal on their website is locked. 

I am a XXXX XXXX and I experienced a " dry spell '' where I had no sales.

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 2024-06-04 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: HI

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX  Balance : {$21000.00}

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 2024-06-04 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: NY

Complaint narrative:
This account was charged off on the following date XX/XX/2022. Since then the account has repeatedly been updated as charged off every month. This is an update on the payment history. A charged-off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : 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 2024-06-04 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: UT

Complaint narrative:
I was notified via letter that monthly payment abruptly increased from $ XXXX to $ XXXX with XXXX notice. Called and was told that they had made an error. Then told that I had to go into forbearance or cancel payment if I wanted payment to be correct ( XXXX until due date ). Was offered processing forbearance but no administrative forbearance despite them making the mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: NY

Complaint narrative:
PLEASE BLOCK AND REMOVE I urge you to take immediate action to remove these unauthorized accounts from my credit report. Their presence is distressing, and I did not approve them. Please address this without delay.

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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

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 XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$15000.00} XXXX XXXX XXXX Balance Owed : {$4600.00} XXXX XXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX XXXX Owed : {$4800.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$14000.00}

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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  Balance Owed : {$15000.00} XXXX XXXX XXXX Balance Owed : {$4600.00} XXXX XXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX XXXX Owed : {$4800.00} DEPTEDXXXX XXXX Balance Owed : {$14000.00}

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 2024-06-04 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: CA

Complaint narrative:
I am writing to dispute the late payment listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for this account. Please UPDATE and CORRECT the status of the account below : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Remove all fraudulent and inaccurate accounts from my credit report. 
Block any information resulting from identity theft, as required by FCRA. I expect a prompt response and resolution to this matter. Failure to comply will leave me with no choice but to pursue legal remedies available under 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 non-monetary relief
Consumer complaint received 2024-06-04 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: TX

Complaint narrative:
Remove all fraudulent and inaccurate accounts from my credit report. 
Block any information resulting from identity theft, as required by FCRA. I expect a prompt response and resolution to this matter. Failure to comply will leave me with no choice but to pursue legal remedies available under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: CA

Complaint narrative:
I have diligently followed all the necessary procedures in disputing these accounts. I've contacted the company, and they assured me the issue was resolved. Law enforcement has been involved, and I've provided a FTC report, which they confirmed as valid. Furthermore, XXXX and XXXX have complied with legal requirements and removed the accounts. However, Experian seems to be presenting obstacles, claiming I haven't completed all the necessary steps. Despite my previous claim to Experian, I remain stuck. They are alleging that the documents I've provided are inadequate. It appears Experian is failing to fulfill its legal obligation to process the identity theft report eventhough the company already removed the accounts from the other bureaus.I want to emphasize that I've reported the identity theft to a law enforcement agency, specifically FTC, a federal entity. I seek a resolution to this matter that adheres to proper procedures. The distress caused by this identity theft, coupled with the inability to access my credit, is severely impacting both my personal and professional life. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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