vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-06 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: NC

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: NC

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2024-12-06 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:
transition said that the complaint Submitted to the CFPB on XX/XX/year> : there was freeze only account therefore you all was not able to recover and resolve this matter, and I need to to XXXX reviewed. an re opened for resolving, XXXX had been resolved and XXXX. 

I am a victim of identity theft and I noticed that my credit reports contain accounts, name, inquiries, that I do not recognize. I did not give any person permission to have or obtain my non public personal information. I have a police report regarding the theft. Transunion, XXXX, and XXXX are reporting unverified, inaccurate, and fraudulent information. They do not have proof of authority. to report anything especially accounts that are a result of theft.

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 2024-12-06 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: FL

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Skrill USA, Inc.
State: IA

Complaint narrative:
Skrill virtual has cookies that need XXXX  for XXXX  XXXX! XXXX  XXXX  hacked my accounts : ( your accounts are out there when XXXX uses your data for pre filling.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: GA

Complaint narrative:
The lender, XXXX, and it's private loan servicer, Mohela, denied my school misconduct application. 

I received a response to my school misconduct discharge application, on 3 private loans, stating that it was denied for 'A variety of factors are used in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. ' The schools I attended committed blatant fraud as outlined in the numerous and clear personal and legal examples submitted in my school misconduct application paperwork, of over 500 pages citing numerous cases and personal grief. 

I am a full class member of the XXXX XXXX XXXXXXXX case that received full forgiveness of my public student loans this year, the lender could clearly see this within my paperwork as a reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report 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 explanation
Consumer complaint received 2024-12-06 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: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I leased a vehicle with Kia America which ended in XX/XX/year>. In XX/XX/year> I received a letter from Kia informing me that I owed over {$6000.00} due to mileage overage. I contacted Kia to let them know that I did not have that kind of money and asked if I could make payments, which they agree to - - I spoke to a woman name XXXX. I started making payments in XX/XX/year>. My payments were due on the XXXX of each month. On XX/XX/XXXX I made a payment of {$450.00} and it was considered 30 days late ; in XXXX I paid another {$450.00} on the XXXX and it was reported as 60 days late. This was reported prior to my first dispute with XXXX, as well as the written off/charge off noted for XXXX. After my dispute, the results showed 30 days late in XXXX and a written off/charge off for XXXX and XXXX. On XX/XX/XXXX, I received a settlement letter from Kia offering discount on the amount owed. I called them to let them know that the entire amount would be paid off the following month, which I did honor - I paid the entire balance off on XX/XX/year>. In the three years of leasing the car, I have never paid late and that can be proven on my credit report.I have called Kia numerous times and sent Kia a letter highlighting what I wrote here but they are standing by their decision, which is somewhat baffling. On XX/XX/year> I called Kia and spoke to XXXX XXXX XXXX XXXX was confused by the write off rating as it was paid completely off. She even offered to send me a letter stating that the account was paid in full, which she did. I have also disputed this with XXXX several times. I even called XXXX in XXXX and the agent I spoke to was also baffled and offered to rewrite my dispute for me but again Kia did not budge. My report says Paid, closed {$5900.00} written off. I paid Kia the entire amount owed of {$6800.00}

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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2024-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
I woke up today to an email stating that a company by the name of Diversified Adjustment has filed a major derogatory activity alert indicates when one of your accounts has been reported as 90 days past due. I do not owe anyone any money this is a made up debt. When I XXXX the company all the information points to unscrupulous behavior on behalf of Diversified Adjustment. No one has attempted to collect this debt because this debt is a fabrication. There is no information on the derogatory alert such as creditor or amount owed. They are using their ability to harm my credit score to try to get me to call them and pay what amounts to a ransom. This company should not be allowed to fraudulently ruin the credit of innocent people. I take my credit very seriously and have a score of over XXXX which I worked very diligently to attain. These XXXX should not be allowed to tarnish my credit based on lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I am XXXX of the family XXXX, a living soul, and a consumer. I am coming with a sound mind, competency, and I am at the age of majority. I am here on behalf of the principal XXXX XXXX XXXX to claim my interest to settle the " account ''. Please known that by the power and authority of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I am a lender and not a borrower. I am making a legal complaint that the company Goldman Sachs Bank/Apple Card is furnishing information that is known to be false and misleading. The company knows that derogatory status of the " account '' is a billing error and the issue is still not resolved. At the inception of this transaction, an electronic funds transfer was made under an open end credit plan. Those credits were supposed to be transferred to set-off the outstanding balance of the credit plan each and every month. I notified the company about it and the company denied all claims. As a result, I am experiencing unfair treatment due to what the FDCPA defines as unfair practices, false and misleading representations, and several deceptive forms have been mailed to the principal 's address on file. I am seeking redress for the company to do what ought to be done by transferring the positive credits from my estate to the principal 's account for set-off and adjustment. It is only fair. Otherwise, notice will be made to the IRS, Social Security Administration, and State Attorney General to aid in this matter. It is my goal settle this matter as privately as I am not an enemy, but a friend to the company who desires and has the right to be heard and to receive fair treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
A refund was sent to Bank of America to an account that is closed and the company told me that Bank of America needs to reject the refund and the company can issue a refund to me via check once its rejected. I have emailed and called Bank of America and nobody has helped me make sure it gets rejected and sent back to the company.

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 2024-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I disputed an incorrect {$1400.00} charge on my account balance with XXXX. After a thorough review, XXXX resolved the dispute in my favor, and my credit file now reflects a {$0.00} balance as of XX/XX/year>. 
Despite this resolution, Macy 's has continued to send incorrect billing statements on XX/XX/year>, falsely claiming balances of {$500.00} and {$600.00}, and referencing a fabricated reimbursement of {$1300.00}. Additionally, Macys has threatened to report these inaccurate balances to credit bureaus, despite knowing that the dispute was resolved in my favor. These actions have caused undue stress and may jeopardize my credit standing through false reporting. 

I have repeatedly contacted Macy 's customer service to clarify the issue, but they have failed to acknowledge the resolution or cease their harassment. These ongoing actions are deeply concerning and may constitute violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

I am requesting that Macy 's : Cease all communications regarding the resolved balance. 
Provide a written acknowledgment confirming my {$0.00} balance and account closure. 
Ensure no incorrect information is reported to credit bureaus. 
I can attach the supporting documentation, including the resolution confirmation from XXXX, for review, if you want me to.

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 2024-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
This company has been reporting negative information to my reports- i have sent several documents to them with no response at all - This needs to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXXXXXX XX/XX/XXXX Experian Dispute Department po XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Information Under the Fair Credit Reporting Act ( FCRA ) Dear Experian, I am writing to dispute inaccurate information appearing on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The disputed information is as follows : - Creditor Name : XXXX XXXX XXXX XXXX - Account NumberXXXX - Nature of Dispute : Inaccurate reporting of late payments and account status Under the FCRA, credit reporting agencies are required to ensure the maximum possible accuracy of the information reported ( 15 U.S.C. 1681e ( b ) ). However, my credit report contains the following inaccuracies : 1. The account reflects three late payments, but I believe these are erroneous as I made consistent payments, including on XX/XX/XXXX, as shown in the attached documentation. 
2. The account is listed as closed as of XX/XX/XXXX, which contradicts payment activity after this date. 

These inaccuracies are damaging to my creditworthiness and are a direct violation of the accuracy and dispute resolution requirements of the FCRA ( 15 U.S.C. 1681i ). 

I am requesting that you : 1. Investigate this account thoroughly : as required under 15 U.S.C. 1681i. 
2. Provide written confirmation : of the results of your investigation. 
3. Remove or correct all inaccurate information within the legally mandated 30-day timeframe. 

If this information can not be verified, it must be promptly deleted from my credit report per 15 U.S.C. 1681i ( a ) ( 5 ). 

Failure to address this dispute adequately may result in further action to protect my rights under the FCRA, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies. 

Thank you for your prompt attention to this matter. I look forward to your written confirmation of receipt and a resolution of this dispute. 

Sincerely, 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