vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Kikoff Inc.
State: NY

Complaint narrative:
I signed up for credit building but then I asked them to cancel it over 3 months ago

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NC

Complaint narrative:
Initially prior to the payments for student loans to start back up after covid I had Federal Student loans. I had my loans consolidated using XXXX which in turn they used Mohela as my servicer!! I've had no billings statements since then sent to me!! Then come to find out my loans went from Federal to Private without my knowledge prior to agreement signed! I wasn't told this before the agreement!!! Had I been told that I wouldn't have agreed to it! Plus since repayments started I believe last fall my balance has only gone down like {$700.00} with payments of {$300.00} a month! Most of my loans were over XXXX XXXX XXXX and the remaining ones were XXXX + years prior to consolidation!!! At a minimum I believe I should be moved to another provider preferably back to where I came from!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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 U.S.C. 1681 XXXX XXXX XXXX  ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXXXXXX XXXX ACCOUNT # 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, STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C. 1681c. ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINTING ANY OF THE FOLLOWING ITEMS OF INFORMATION, ANY OTHER THAN RECORDS OF CONVICTINS AND CRIMES WHICH ANTEDATES THE REPORT BY 7 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 IF THE PERSON KNOWS OR HAS RESONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE TO ALL ACCOUNTS.. 

ALL THREE CREDIT BUREAUS ARE COMMITTING FRAUD BY USING AND SHARING MY INFORMATION WITHOUT MY PERMISSION AND WITHOUT MY WRITTEN PERMISSION .. BY LAW.. 

XXXX XXXX  FORM SELLING SECURITIES THEY DID NOT GET MY PERMISSION TO PULL MY SOCIAL SECURITY ALL THREE CREDIT BUREAUS COMMITTING SECURITIES FRAUD THEY DIDNOT GET MY PERMISSION TO USE MY SOCIAL SECURITY. IF THEY DID WHERE IS THE FORM TO PROVE I GAVE THEM PERMISSION!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I recently looked at my Equifax credit report and noticed some things are incomplete and not accurate. Account name XXXX XXXX XXXX XXXX has reported that I was late XXXX and XXXX of XXXX  which is inaccurate because indeed paid those months. As according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: National Credit Systems,Inc.
State: NC

Complaint narrative:
National Credit , Systems, debt collection agency has unlawfully reported derogatory information {$2500.00} on my credit report without my consent or proper authorization. Specifically, I have not signed any application or contract with this agency, nor have I provided them with a valid copy of my drivers license or any other form of identification that would allow them to legally report this information. The agency has failed to provide a copy of any wet signature contract or application demonstrating my consent, which raises concerns about the legitimacy of their actions. I also have not given this agency the authority to access or report any information related to me under the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for such actions. Their failure to comply with these legal requirements has caused harm to my credit standing, and I respectfully request that the CFPB investigate this matter and ensure that the derogatory information is removed from my credit report immediately. Thank you for your attention to this serious issue. I look forward to your prompt assistance in resolving this matter or I will seek help from federal agencies and legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: WA

Complaint narrative:
IC Systems first made contact with me on XXXX XX/XX/year> over the phone. The law states they must provide written notification of the debt 5 days after first contact. They did not. I received a letter dated XXXX XXXX, which is well last the 5 day requirement. Furthermore, the written notification did not provide any information on my right to dispute the debt, nor did it provide any options or avenues to dispute the debt. This debt is not valid. I contacted the comptroller of Maryland on XXXX XXXX regarding this debt and they closed the account because it was not a valid debt due to my XXXX XXXX status. This company is failing to follow the laws regarding written communication and is attempting to correct a debt that no longer exists.

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 2024-09-08 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: OK

Complaint narrative:
I am not sure what is going on but my credit score dropped XXXX  points due to detecting a new account ( XXXX XXXX  ) and the name of a credit changing XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX ) My score went from XXXX to XXXX due to this change. How does changing a name and opening a new account make my credit score drop XXXX points. The practices by this agency are unethical and problematic for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 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: GA

Complaint narrative:
I have disputed these Inquiries on my credit report because I have not authorized any company to view my credit report and they should not be on my credit report. The credit bureaus always send me an updated credit report stating that the accounts have been verified and updated. 
XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year> Under 15 U.S.C. 1681i, I request an investigation of these inquiries, and in accordance with 15 U.S.C. 1681b, I expect these unauthorized entries to be removed if they are found to lack a permissible purpose. 
Please provide written confirmation of the removal of these inquiries and send me an updated copy of my credit report reflecting these changes. If you are unable to remove these inquiries, please provide me with the evidence of my authorization and the permissible purpose under 15 U.S.C. 1681b for these inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 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: GA

Complaint narrative:
I have disputed these Inquiries on my credit report because I have not authorized any company to view my credit report and they should not be on my credit report. The credit bureaus always send me an updated credit report stating that the accounts have been verified and updated. 
XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXXXX/XX/year> Under 15 U.S.C. 1681i, I request an investigation of these inquiries, and in accordance with 15 U.S.C. 1681b, I expect these unauthorized entries to be removed if they are found to lack a permissible purpose. 
Please provide written confirmation of the removal of these inquiries and send me an updated copy of my credit report reflecting these changes. If you are unable to remove these inquiries, please provide me with the evidence of my authorization and the permissible purpose under 15 U.S.C. 1681b for these inquiries.

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 2024-09-08 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: Radius Global Solutions LLC
State: TX

Complaint narrative:
All items on my report is in accurate and I would like them removed from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: RAS LaVrar, LLC
State: GA

Complaint narrative:
I was served with a civil action from RAS LaVrar , LLC in regard to a debt I owe XXXX. I responded in a prompt and timely manner on XX/XX/year>. I attempted to send a letter to them on XX/XX/year> as well. That letter was returned to me as saying the address was not valid, yet it was listed on all of the legal paperwork as their office in the state of Georgia, where I reside. I kept calling the courthouse because I received nothing in regard to the hearing. I finally was able to get in touch with RAS LaVrar to which they told me I missed my court hearing which was scheduled for XXXX XXXX, and if I was not informed, it was the fault of the courts. I went down to the courthouse and the clerk informed me that they didn't file anything, there was no court hearing set and they had no additional information to give me. I called back RAS LeVrar while I was at the clerk 's office and the representative woman on the phone was very evasive, and wouldn't give me any information as to the supposed court hearing. After multiple attempts, she confirmed that I missed this supposed court hearing. The court clerk, upon hearing that confirmed that there was no court date ever established, and no documents were ever subsequently filed. I asked if they wanted to speak with the clerk as I was at the courthouse and they said they were unable to do so. They say all of these calls are recorded so there will be a record of each of these interactions. I will be reporting their office to the Georgia XXXX XXXX as well as the Georgia Attorney Generals Consumer Protection Division.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: CA

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-09-08 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:
Subject : Dispute of inaccurate information on my credit report Account Number : XXXX  Credit Bureau XXXX EQUIFAX Account Type : Credit Card I am writing under my rights granted by the Fair Credit Reporting Act ( 15 U.S.C . 1681 ) and the Truth in Lending Act ( 15 U.S.C. 1601 ) to dispute inaccurate and unverifiable information that appears on my credit report regarding the account I hold with [ creditor name, e.g.XXXX XXXX XXXX XXXXXXXX ], which has been marked as a " charge-off. '' Upon reviewing my credit report, I have identified the following discrepancies between the credit bureaus ( XXXX, XXXX, and Equifax ) : XXXX : Highest reported balance : {$4200.00} Current balance owed : {$4100.00} Payment status : Closed, reported as " Charged off. '' XXXX : Highest reported balance : {$0.00} Current balance owed : {$4100.00} Payment status : Closed, reported as " Charged off. '' It also states that the account was closed due to inactivity. 

Equifax : Highest reported balance XXXX XXXX  XXXXCurrent balance owed : XXXX XXXXPayment status : Closed, reported as " Charged off, '' and notes the balance was " reported as a loss by the creditor. '' These discrepancies show significant inconsistencies between the credit bureaus, particularly in regard to the high balance amounts and account closure reasons. According to XXXX, the account was closed due to inactivity, while Equifax indicates it was reported as a loss by the creditor. Furthermore, XXXX provides different information about the high balance. This inconsistency violates the FCRA ( 15 U.S.C. 1681e ( b ) ), which mandates that credit reporting agencies ensure maximum possible accuracy when reporting consumer information.

Additionally, under the Truth in Lending Act ( 15 U.S.C. 1601 ), I am entitled to clear and accurate information about my credit obligations and payment history, which is currently not being accurately reflected due to these discrepancies between the credit bureaus. 


I am requesting that, in compliance with the FCRA and TILA, you investigate this dispute and remove the inaccurate information, including the charge-off, from my credit report. The conflicting data between the bureaus demonstrates the inaccuracy of the information being reported. Please provide me with the results of your investigation and a corrected credit report as soon as possible. 

I have attached copies of my credit report highlighting the discrepancies and inaccurate information for your reference. 

Thank you for your prompt attention to this matter. I look forward to your quick response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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:
Subject : Dispute of inaccurate information on my credit report Account Number : XXXXXXXX  Credit Bureau XXXX EQUIFAX Account Type : Credit Card I am writing under my rights granted by the Fair Credit Reporting Act ( 15 U.S.C . 1681 ) and the Truth in Lending Act ( 15 U.S.C. 1601 ) to dispute inaccurate and unverifiable information that appears on my credit report regarding the account I hold with [ creditor name, e.g., XXXX XXXX XXXXXXXX ], which has been marked as a " charge-off. '' Upon reviewing my credit report, I have identified the following discrepancies between the credit bureaus ( XXXX, XXXX, and Equifax ) : XXXX : Highest reported balance : {$4200.00} Current balance owed : {$4100.00} Payment status : Closed, reported as " Charged off. '' XXXX : Highest reported balance : {$0.00} Current balance owed : {$4100.00} Payment status : Closed, reported as " Charged off. '' It also states that the account was closed due to inactivity. 

Equifax : Highest reported balance : XXXX XXXXCurrent balance owed : XXXX XXXXPayment status : Closed, reported as " Charged off, '' and notes the balance was " reported as a loss by the creditor. '' These discrepancies show significant inconsistencies between the credit bureaus, particularly in regard to the high balance amounts and account closure reasons. According to XXXX, the account was closed due to inactivity, while Equifax indicates it was reported as a loss by the creditor. Furthermore, XXXX provides different information about the high balance. This inconsistency violates the FCRA ( 15 U.S.C. 1681e ( b ) ), which mandates that credit reporting agencies ensure maximum possible accuracy when reporting consumer information.

Additionally, under the Truth in Lending Act ( 15 U.S.C. 1601 ), I am entitled to clear and accurate information about my credit obligations and payment history, which is currently not being accurately reflected due to these discrepancies between the credit bureaus. 


I am requesting that, in compliance with the FCRA and TILA, you investigate this dispute and remove the inaccurate information, including the charge-off, from my credit report. The conflicting data between the bureaus demonstrates the inaccuracy of the information being reported. Please provide me with the results of your investigation and a corrected credit report as soon as possible. 

I have attached copies of my credit report highlighting the discrepancies and inaccurate information for your reference. 

Thank you for your prompt attention to this matter. I look forward to your quick response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Brock & Scott, PLLC
State: GA

Complaint narrative:
I am filing this complaint because the debt collector, Brock & Scott, PLLC., failed to provide validation of an alleged debt in response to my written dispute letter, which I sent on XX/XX/year>. Under the FDCPA ( 15 USC 1692g ), I have the right to request verification of the debt within 30 days, which I did. The collection agency received my letter on XX/XX/year> ( as confirmed by certified mail ), but they have not provided the requested proof of the debt to date. No documents were provided showing the assignment or transfer of ownership of the debt from the creditor to Brock & Scott , PLLC. giving them the legal right to collect the debt, nor a copy of the original agreement or contract that was signed with the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I recently looked at my Transunion credit report and noticed some things are incomplete and not accurate. Account name XXXX XXXX XXXX XXXX has reported that I was late XXXX and XXXX of XXXX  which is inaccurate because indeed paid those months. As according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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