vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-13 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: SC

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Experian credit reporting agency remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of : Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Organization : XXXX XXXX Account XXXX : XXXX Date fraud began : XX/XX/XXXX An auto loan. Organization : XXXX XXXX  Account XXXX Date fraud began : XX/XX/XXXX Organization : XXXX XXXX  Account Number : XXXX Date fraud began : XX/XX/XXXX Organization : XXXXXXXX XXXX  Account Number : XXXX Date fraud began : XX/XX/XXXX Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Organization : XXXX Account Number : XXXX  Date fraud began : XX/XX/XXXX Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Organization : XXXX  Account Number : XXXX Date fraud began : XX/XX/XXXX Organization : XXXX  Account Number : XXXX Date fraud began : XX/XX/XXXX Organization : XXXXXXXX XXXX XXXX Account XXXX : XXXX Date fraud began : XX/XX/XXXX Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Organization : XXXX Account Number : XXXX fraud began : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. I have attached a copies of the FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-09-13 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: CA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: CA

Complaint narrative:
Subject : Request for Investigation and Correction of Credit Report Discrepancies To Whom It May Concern, I am writing to formally request an investigation into several inaccuracies found in my credit profile, as maintained by LexisNexis. These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), which mandates accurate and complete credit reporting.

The specific issues pertain to accounts that should have been marked as " Included in Bankruptcy '' following my XXXX  XXXX bankruptcy discharge on [ Date of Discharge ], under case number [ Your Case Number ] with the U.S. Bankruptcy Court for the [ Name of Court ]. Instead, these accounts are reported without data and in dispute, which does not reflect their true status. Details of these accounts are as follows : XXXX XXXX  Account Number : XXXX Reported Information : No Data Status : Dispute XXXX XXXX  Account Number : XXXX Reported Information : No Data Status : Dispute XXXX XXXX XXXX Account Number : XXXX Reported Information : No Data Status : Dispute XXXX XXXX  Account Number : XXXX Reported Information : No Data Status : Dispute I request that LexisNexis conduct a thorough review and correction of these entries to accurately reflect their status as discharged debts under XXXX  XXXX bankruptcy. Attached are copies of the bankruptcy discharge documents and the schedule of included debts to substantiate my claim. 

Additionally, I request a copy of my full file disclosure from LexisNexis to review for any further discrepancies. Please send this report to the address mentioned above. 

Please confirm the receipt of this correspondence and inform me about the steps you are taking to resolve these inaccuracies. I expect this matter to be addressed within the timeframe mandated by the FCRA and look forward to your prompt response. 

Thank you for your attention to this important matter. Should you require further information or documentation to facilitate your investigation, please do not hesitate to contact me at the phone number or email address listed above. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: GA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was notified a couple of months ago that my credit score had dropped about XXXX points due to an account, on which I had been an authorized user since XXXX, being closed, thus my age of accounts took a huge hit. However this account was NOT closed, so where are the bureaus getting this information from? Even XXXX XXXX says that this account is still open. I would like this straightened out, but everyone just wants to throw their hands up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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: IN

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C. 1681 Section1 602 ( a ). States I have the right to privacy. 15 U.S.C. 1681 Section 2 604 ( a ) It also states a consumer reporting agency can not furnish a 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 2024-09-13 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: IN

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 Section1 602 ( a ). States I have the right to privacy. 15 U.S.C. 1681 Section 2 604 ( a ) It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I was trying to get my loan forgiveness under the Biden loan forgiveness program. I have a balance of less than {$4000.00}. My loan was sold to Navient from XXXX XXXX when I owed less than {$8000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I have two emails today sent from Experian related to my Credit Report. I have no way of opting out of the emails. I dont want no emails from Experian. I told Experian to stop working on my credit report without my permission until arbitration is finished Experian have fully committed fraud. Making false statements to creditors is fraud I want the employees id that dont this I want them fired Im going to sue this company in arbitration I want arbitration found immediately based off this companies abusive ongoing actions. I will not wait. Theres nothing that you can do to fix this situation. The damage has already been done. 

I want the legal department email today I can not get through the phone for nothing. Its been a month.

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 2024-09-13 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: FL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
The ambulance service never informed me of the amount that I would have to owe when using their services. I had insurnance at the time which I figured covered, but now it shows that I owe {$900.00} and {$3300.00} to XXXX XXXX XXXX. I was never given a bill to pay this expense off or a chance to dispute the charges. I would not have used the services if that was the case. Now the amounts have gone to collections and hurting my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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: GLA Collection Company, Inc.
State: KY

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, I hereby request that you provide validation of this debt, including but not limited to the following : 1. The amount of the alleged debt : A comprehensive itemization of the debt claimed, including the principal amount, any interest, fees, or other charges.

2. The identity of the original creditor : Full disclosure of the name, address, and contact information of the original creditor, as well as any associated account numbers.

3. Verification of the debt : Copies of all documents, contracts, agreements, or any other instruments that substantiate my obligation to pay this debt.

4. Proof of your authority to collect the debt : Legal documentation establishing your agencys right to collect this debt, including any assignments or transfers from the original creditor.

Take notice that under 15 U.S.C. 1681s-2, you are mandated to report only accurate information to consumer reporting agencies. As such, you are required to inform all credit reporting agencies to which you have reported this debt that the debt is disputed. This notification must be made within five business days of your receipt of this letter.

Failure to comply with the provisions of 15 U.S.C. 1681, including but not limited to your obligation to validate the debt and to report it as disputed, will result in immediate legal action. Such action may include filing complaints with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ), as well as pursuing all available remedies under federal law, including monetary damages, statutory penalties, and the recovery of attorneys ' fees. 

Furthermore, you are hereby notified that any continued attempts to collect this alleged debt without proper validation, or any failure to cease communication in violation of the FDCPA, will be considered harassment and will be met with swift legal action. 

You have 30 days from the receipt of this letter to comply with these demands. I expect your response to include all requested documentation. Any correspondence must be sent to the address provided above. 

Failure to respond within the legally required timeframe will result in an escalation of this matter to the fullest extent permitted by law.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: MD

Complaint narrative:
I have noticed XXXX Is reporting an unrecognized charge on my credit report from Aargon Agency inc

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 2024-09-13 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: AL

Complaint narrative:
I was a victim of XXXX XXXX. There are inquiries on my XXXX and Equifax credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: IN

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 Section1 602 ( a ). States I have the right to privacy. 15 U.S.C. 1681 Section 2 604 ( a ) It also states a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
Subject : Complaint Regarding Loan Application Process, Denied Request for Written Documentation, and Unprofessional Conduct Date : XX/XX/year> To Whom It XXXX Concern, I am writing to formally lodge a complaint regarding my experience with OneMain Financial and their handling of my recent loan application and subsequent interactions. 
XX/XX/year> : I applied for a loan through OneMain Financial and was assured that the loan would be processed. 

XX/XX/year> : I was notified that my loan application had been denied, with the explanation that a " glitch '' occurred during the validation stage of the process. 

XX/XX/year> : I contacted OneMain Financial to obtain written confirmation that my vehicle loan and title had been restored to the original loan holder ( XXXX XXXX XXXX XXXX ). 

During this conversation, I was met with unprofessional and dismissive behavior. I was told that no information would be provided because they did not have it, and that my documents had been shredded. Additionally, the representative became hostile, raising their voice at me. 

I was provided with a customer service number ( XXXX ) for further assistance, but the number is for consent notices and unrelated matters. After being on hold, I was sent to a voicemail, where I left a message, but I have yet to receive a response. 

The location and staff involved in this issue are as follows : OneMain Financial, XXXX XXXX, Branch XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX I am requesting that the Consumer Financial Protection Bureau XXXX this matter, as I have been denied access to crucial loan information and faced unprofessional conduct. Additionally, I would like a resolution regarding the restoration of my vehicle loan to the original loan holder. 
Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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: PA

Complaint narrative:
Violation of the PRIVACY ACT OF 1974 Violation of I.R.S PUBLICATION 4681 under canceled debt, charge off account is considered a certificate of indebtedness and it is considered as income and income should not be showing on my consumer report. Violation of 15 USC 1666b, showing late payments is illegal

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