vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1692c. 

XXXX XXXX : # XXXX 15 USC 1692c states ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

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 2024-12-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In summary, my Experian 's XXXX FICO Model 8 score is XXXX points lower than XXXX XXXX XXXX ( currently ) and XXXX XXXX XXXX ( currently ). Even my XXXX XXXX is XXXX ( currently ), which uses the FICO Model 9 score. This is absolutely absurd! There is no rationale that can explain this big of a gap between bureaus, when they have the same accounts. 

I have reached out to Experian on 3 different occasions and sent XXXX XXXX Certified letters to XXXX XXXX XXXX, Experian CEO, with no response. I have attached two of those letters.

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 2024-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
The company is breaking the law by failing to provide proper validation details as rerquested under 156SC 16828. Despite this they have added a collection to my credit report.I have already tried to resolve this issue directly with them but they continue to violate my rights. For each violation I am entitled to {$1000.00} that they must either compensate me or remove these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: MO

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 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 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 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

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 2024-12-14 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: GA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WV

Complaint narrative:
My student loans were put in forbearance by the government due the court issues with the Save plan. During this time we were notified that interest would not accrue. On Monday, XX/XX/XXXX I received a letter from Mohela, loan service provider, stating I had interest accruing during this time. I contacted the federal student aid department on XX/XX/XXXX and they informed me no interest is accruing at this time and if I received a bill I would need to contact Mohela. I attempted to register my account on Mohela that same day to access contact information and it said none of my information matched theirs. It kept sending me an error page. My social, name, etc was all correct and I attempted multiple times and it just kept saying error when I would try to register which gave me no access to contact information. I will call them Monday but I work full time and don't have a lot of time to make personal calls at work which is why I'm taking care of this on a Saturday! I would appreciate any help at all with this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX ) Account # XXXX has violated my rights. 15 US 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 write 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 2024-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG HOLDINGS INC
State: CA

Complaint narrative:
Please provide this, if dint have this in 30day XXXX most be deleted to my credit report. 

1. A copy of the original contract or original purchase ontract is sent, i must inchale signatures for a parties, Any agreement sent must be with the original creditor and must include the original terms and conditions of the agreement that created the alleged debt, including all addendums and riders.

2. In addition, please send proof of chain of ownership of the alleged debt and include proot of assignment for each change of ownership. Proof of chain of ownership must be from the original creditor to the current alleged owner without any break in the chain.

3. Also include a full accounting history from the original creditor including the date and amount of each payment and the Date of First Delinquency leading to the collection status 4 If any interest or fees have accrued or been added onto the balance, please send proof that such fees are lawful and agreed upon in the original purchase agreement. 
XXXX. Proot that you are legally allowed to collect on alleged XXXX. 
debts in the state of YOuR STATE, including your Third-Party Debt Collection Bond.

6 Also send proof that you sent the legally required notices to me before reporting this alleged debt to any consumer reporting agencies, including copies of the original notice and any letter tracking your firm maintains. FTC XXXX XXXX XXXX XXXX makes clear that it " debt parking '' without proper notices is a violation of consumers rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: NJ

Complaint narrative:
I am writing to dispute the accuracy and validity of a charge-off account that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 

XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX  XXXX. Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX. Account # : XXXX Please remove the following Fraudulent hard inquiries from my credit report. 

XXXX - XX/XX/year> Applicable Legal Basis for Dispute 1. Verification Requirement ( 15 U.S.C. 1681i ) : - The FCRA mandates that all disputed information be verified within 30 days of a consumers dispute. If the information can not be verified, it must be corrected or deleted.

2. Obligation of Accuracy ( 15 U.S.C. 1681e ( b ) ) : - Consumer reporting agencies must ensure maximum possible accuracy of the information in consumer reports. The inaccurate or unverifiable information regarding the charge-off account violates this requirement.

3. Re-Aging of Debt ( 15 U.S.C. 1681c ) : - The FCRA prohibits re-aging of old debt. If the date of first delinquency is inaccurately reported, the charge-off may appear on my credit report longer than the allowed 7 years.

4. Validation of Debt ( Fair Debt Collection Practices Act, 15 U.S.C. 1692g ) : - Under the FDCPA, if the debt is being collected by a third party, I have the right to request validation of the debt, including proof of ownership and the amount owed. If the creditor or collection agency can not validate the debt, it must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1692c. 

XXXX XXXX : # XXXX 15 USC 1692c states ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1692c. 

XXXX XXXX : # XXXX 15 USC 1692c states ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

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 2024-12-14 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: AZ

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 XXXX, XXXX XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX XXXX  XXXX XXXX Account Number : XXXX Date open : XX/XX/XXXX Balance : {$48.00} -ChargeOff XXXX XXXX ( Original Creditor : XXXX  ) Account Number : XXXX Date open : XX/XX/XXXX Balance : $ XXXX-Collection XXXX XXXX Account Number : XXXX Date open : XX/XX/XXXX Balance : $ XXXX-Collection XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) Account Number : XXXX Date open : XX/XX/XXXX Balance : $ XXXX-Collection XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX open : XX/XX/XXXX Balance $ XXXX-Collection Inquiries included in dispute : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX  XXXX Account Number : XXXX Date open : XXXX XXXX XXXX XXXX Balance : {$330.00} -Late/Open XXXX XXXX XXXX Account Number : XXXX Date open : XXXX XXXX, XXXX Balance : {$230.00} -Late/Open XXXX XXXX XXXX XXXX Account Number : XXXX Date open : XX/XX/XXXX Balance : {$65.00} -Late/Open XXXX XXXX XXXX Account Number : XXXX Date open : XX/XX/XXXX Balance : $ XXXXLate/Open XXXX  XXXX Account Number : XXXX Date open : XX/XX/XXXX Balance : $ XXXXLate/Open XXXX XXXX Account Number : XXXX Date open : XX/XX/XXXX Balance : $ XXXX-Late/Open XXXX Account Number : XXXX Date open : XX/XX/XXXX Balance : {$0.00} -Late/Open

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 2024-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital Once keeps jerking me around with reference to the XXXX refunds they owe me for over payment on credit card XXXX {$1.00} and credit card XXXX {$38.00}. I sent the following to the CEO because Capital Once keeps lying to me about the CC close date and keeps pushing out the refund due me date EVERY TIME I CALL ... ... .Capital One owes me money for overpayment on two credit cards and every time I call, the credit card ( s ) close date is different and then the two months before I get my check keeps getting later and later. Card number XXXX {$1.00} and card number XXXX {$38.00} have been closed for almost XXXX months now and today I was told they were not closed until XXXX third. YOU HAVE NO LEGAL RIGHT TO KEEP JERKING ME AROUND AND KEEPING MY MONEY. YOU HAVE NO RIGHT TO KEEP CHANGING THE CLOSE DATE OF BOTH CREDIT CARDS AND TO PROLONG MY REFUNDS. I want money XXXX XXXX and I want it NOW, BOTH CREDIT CARDS HAVE A ZEROO BALANCE AND HAVE BEEN THAT WAY FOR SEVERAL WEEKS NOT! If your company proceeds to lie to me and refuse to give me my refunds, I will have no choice but to take you to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: PA

Complaint narrative:
I am writing because I disputed accounts with the credit agencies due to them being inaccurate or my rights being violated. In the document section I will send in the accounts.

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 2024-12-14 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: AZ

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 XXXX XXXX XXXX XXXX, XXXX XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ, XXXX XXXX XXXX XXXX Account Number : XXXX Date open : XX/XX/XXXX Balance : {$48.00} -ChargeOff XXXX XXXX XXXX Account Number : XXXX Date open : XX/XX/XXXX Balance : {$0.00} -Late/Closed XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number : XXXX Date open : XXXX XXXX, XXXX Balance : $ XXXX-Collection XXXX XXXX Account Number : XXXX Date open XXXX XX/XX/XXXX Balance : $ XXXXCollection XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account Number : XXXX Date open : XX/XX/XXXX Balance : $ XXXXCollection XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Date open : XX/XX/XXXX Balance : $ XXXXCollection Inquiries included in dispute : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Negative accounts NOT Included in Dispute : XXXX  XXXX Account Number : XXXX Date open : XXXX XXXX, XXXX Balance : {$330.00} -Late/Open XXXX XXXX XXXX Account Number : XXXX Date open : XXXX XXXX, XXXX Balance : $ XXXXLate/Open XXXX XXXX XXXX XXXX Account Number : XXXX Date open : XX/XX/XXXX Balance : {$65.00} -Late/Open XXXX XXXX XXXX Account Number : XXXX Date open : XX/XX/XXXX Balance : {$590.00} -Late/Open XXXX XXXX Account Number : XXXX Date open : XX/XX/XXXX Balance : {$130.00} -Late/Open XXXX XXXX Account Number : XXXX Date open : XX/XX/XXXX Balance : {$260.00} -Late/Open XXXX Account Number : XXXX Date open : XX/XX/XXXX Balance : {$0.00} -Late/Open

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 2024-12-14 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: CA

Complaint narrative:
Since early XX/XX/year>, I have complained to Mohela about their auto pay system. I called in to inform Mohela that {$610.00} was draft from my credit union for the months of XXXX and XXXX with having two auto drafting occur for {$610.00}. I told the Rep that the payment with to LN # XXXX, but the statement said account # XXXX. The Rep said that was the old account # but he doesnt see the payments. I got the payments credited back to me from my credit union. The same thing occurred in XXXX and XXXX and my spouse called. This time my spouse called and complained to Mohela about their auto pay system. Mohela said they would fix the problem. I received the XX/XX/XXXX statement that said no payments were made. However, Mohela drafted two auto payments of {$610.00} from my account. One payment was XX/XX/XXXX and one on XX/XX/XXXX when in fact Mohela should only be auto drafting {$56.00} on the XXXX and {$550.00} on the XXXX. I told the Rep that the payment with to LN # XXXX again, but the statement said account # XXXX.

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