vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: NE

Complaint narrative:
i was paying a monthly fee to XXXX XXXX to provide me with XXXX service, My service went out in XXXX XXXX XXXX and they could not fix it over the phone. After XXXX  days without XXXX service they sent a technician out to repair the service. i had not made any changes to my service for over XXXX  years. In XXXX XXXX XXXX I cancelled my subscription with XXXX XXXX and switched to another service which is paid for by my children since I retired. XXXX XXXX sent me a bill for {$420.00} for early cancellation because I upgraded my equipment at the time of repair and that started a new XXXX  year contract. I told XXXX XXXX  that I did not upgrade anything, I just wanted my XXXX service restored that I was paying for every month. I did not change anything. I did write and mail a dispute letter directly to XXXX XXXX per instructions on their website but never heard anything back. Since then they have turned it over to Credence Resource Management , LLC. I have sent them a copy of the dispute letter and they said they would forwarded it and let me know the results, never heard a word. I did this XXXX  and still nothing. I still get letters from them requesting payment or for me to file a dispute. I also, receive many phone calls from trying to collect the debt. I have called them XXXX  now and told them to either drop the case with prejudice or take me to court. I need the harassment to end, I have an excellent credit rating and i do not need this on my credit report. Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16 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: MI

Complaint narrative:
Payments are due on the XXXX of every month starting with XX/XX/. The XXXX payment was made on XXXX  and the XXXX XXXX XXXX payment was made on XX/XX/2023. These payments were made before the 30-day reportable period occurred. The creditor can hold late payments against you for internal purposes, such as CLI reviews, assessment of late charges, or closure of the account, but they can't report to the CRAs before the 30-day late period. 

Yet when I disputed this information according to Experian and XXXX they reported that the information was correct and that I was 35 days late on a payment. The evidence of payment date was uploaded

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 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Payments are due on the XXXX of every month starting with XX/XX/. The XXXX payment was made on XX/XX/2023 and the XX/XX/XXXX, XXXX payment was made on XX/XX/2023. These payments were made before the 30-day reportable period occurred. The creditor can hold late payments against you for internal purposes, such as CLI reviews, assessment of late charges, or closure of the account, but they can't report to the CRAs before the 30-day late period. 

Yet when I disputed this information according to XXXX and XXXX they reported that the information was correct and that I was 35 days late on a payment. The evidence of payment date was uploaded

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 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been a repeated victim of identity theft, innacurate reporting of late payments, reporting that i never authorized, the wrong name, address, my date of birth, place of employment going back to XXXX  and it continues etc. Experian has violated 15 USC 1681 c-2, 15 USC 1681b , 15 USC 1681 ( e ) ( b ) and 18 USC 1028A . They have no later than XXXX days after receipt to correct these issues.

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 2024-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LD Holdings Group, LLC
State: NY

Complaint narrative:
LoanDepot.com has been " experiencing a cyber incident '' ( their wording ) for about two weeks as of XXXX XXXX. I pay my monthly bill online and have been unable to do so. Today I tried to call their customer service at about XXXX XXXX EST but a recording said their office was " now closed '' and then told me the office was open " from XXXX XXXX  '' to some time in the evening. So, I can't contact them for any more information nor to give a payment over the phone. This " cyber incident '' is going on much longer than it should for a reasonably competent financial organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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: NY

Complaint narrative:
My XXXX account was sold to another company and XXXX never reported anything late but the new company took over and have 3 late payments under there account and i wasn't with them during that time i called them and they say they didn't do it but XXXX never reported late payments i call the new company and was told to file a dispute with all 3 credit it bureaus to get the late payments removed. New company is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My XXXX account was sold to another company and XXXX never reported anything late but the new company took over and have 3 late payments under there account and i wasn't with them during that time i called them and they say they didn't do it but XXXX never reported late payments i call the new company and was told to file a dispute with all 3 credit it bureaus to get the late payments removed. New company is XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX. I received information regarding a claim for out of pocket expenses traced to the Capital One Data Breach. My record was located by the settlement administrator. The out of pocket expenses occurred beginning with a claim I filed in XXXX with the CFPB regarding a car loan from Capital One. I did not receive out of pocket expenses and instead the car was charged off and still remains on my credit report due to the Capital One Data Breach. 
In XXXX of XXXX, I applied for a Capital One Credit Card and was given a {$300.00} Credit Limit. I was mailed the card and the auto loan was connected to the account. I was asked to send my ID via a text and a email. I was told they could not confirm my identity after three weeks of contacts from Capital One representatives in XXXX and other countries. I asked because the representatives asking me to text an email my Id to me seemed as if they were phishing and also had access to my account information including DL information. I was told my account was closed in the similar fashion I was given information about the charge off of my car loan after contacting the CFPB. Capital One has not reconciled the charge off or addressed the information disclosed from the breach, nor have they addressed why a credit line of {$300.00} was issued along with a credit card, and then the account closed. Capital One has access to my current DL information, address and social security number. The reason I applied for the credit card is because I received a pre-qualification email that stated I could apply without a credit check hitting my credit report. 
Because my personal information was breached through Capital One, I received a notice from XXXX stating that I had until XX/XX/XXXX to address any other cost related to time spent, account closures, credit and account closures etc. I am filing a claim with CFPB and will also file a claim with XXXX since I did not receive out of cost expenses from Capital One. My credit score has been impacted as well as the implication of fraud ( not being able to confirm my ID ), also the physical loss of a line of credit and the possibility that more Id theft has occurred due to Capital One Representatives requesting multiple times my ID while my account was open.

There is also an issue with Capital One causing restrictions to my account before they closed by restricting my phone number. I have had to file a police report and escalate the matter to risk management of my phone carrier XXXX. All of this has created a trickle down effect and has left my personal information vulnerable for Id theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: PA

Complaint narrative:
I paid my balance off and is requesting the company to delete this account on my credit report ASAP, for its hurting my financial health for me trying to get a house.

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 2024-01-16 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: FL

Complaint narrative:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

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 2024-01-16 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Please consider this as my formal complaint to the GENESIS CREDIT MANAG for allowing the fraudulent account and for not taking corrections on my credit report. I have my dispute letter dated XX/XX/2024, with the identity theft report number XXXXThey allowed the fraudulent account to be reported in my credit file without proper notification. As I checked my credit report this is the fraudulent account still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please examine the documents attached. I ask the bureau to commence an investigation into these accounts, as I am never late, but they are erroneously reporting otherwise.

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 2024-01-16 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
XX/XX/XXXX to XX/XX/XXXX I was charge for these months of rent and late fees as well as other misc fees. My lease ended in XXXX XXXX XXXX. I asked them to provide a renewed lease and ledger of an agreement I made with my signature and haven't received anything this was in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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: MS

Complaint narrative:
I was looking at my credit report and saw that I had some accounts that wasnt mine am a victim of identity theft.XXXX XXXX  account number XXXX, XXXX  XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX account number XXXX and XXXX XXXX please delete these accounts immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16 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: MS

Complaint narrative:
I was looking at my credit report and saw that I had some accounts that wasnt mine am a victim of identity theft.XXXX XXXX  account number XXXX, XXXX  XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX account number XXXX and XXXX XXXX please delete these accounts immediately

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 2024-01-16 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:
Subject : Demand for Immediate Rectification of Flagrant Unauthorized Inquiries and Removal of Unverifiable Items Dear TransUnion, I write with unwavering concern and insistence regarding the flagrant and accrued violations on my credit report, which not only undermine my privacy but have unmistakably accrued and breached my rights. The following unauthorized inquiries demand immediate and irrefutable rectification : 1. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX 3. XXXX - XX/XX/XXXX 4. XXXX - XX/XX/XXXX 5. XXXX - XXXX XXXX XXXX 6. XXXX - XXXX XXXX XXXX 7. XXXX - XX/XX/XXXX These indisputable violations encompass not only the Fair Credit Reporting Act ( FCRA ) but also federal laws, including but not limited to : 1. FCRA Section 604 - The accumulation of unauthorized inquiries unequivocally violates privacy rights.

2. FCRA Section 606 - The persistent disclosure of investigative consumer reports transpired without proper authorization.

3. FCRA Section 609 - Grossly inadequate disclosures about these inquiries remain unaddressed.

4. FCRA Section 611 - Procedures for disputing inaccuracies have been systematically disregarded.

5. Right to Financial Privacy Act ( RFPA ) - Clear and actual violations of federal privacy rights.

Furthermore, these stark and undeniable breaches extend to Georgia state laws, leaving no room for ambiguity : 1. Georgia Fair Business Practices Act ( GBPA ) - Unrelenting unauthorized inquiries infringe unabashedly upon consumer rights and protections.

2. Georgia Fair Credit Reporting Act ( GFCRA ) - Systematic violations of consumer reporting laws within the state persist. 

Given the lack of my explicit consent, I assert that these items are unverifiable and should not have been included in my credit report. I demand, with utmost urgency, a meticulous investigation and the immediate removal of these unauthorized inquiries and unverifiable items from my credit report. These blatant and accrued transgressions necessitate swift rectification to restore the integrity of my credit history. 

Failure to address this matter resolutely will compel me to pursue legal action without hesitation to protect my rights and seek redress for the undeniable damages incurred. 

I expect your immediate and unwavering cooperation, leading to a prompt resolution of this egregious breach.

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 2024-01-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: PA

Complaint narrative:
Through cfpb, I submitted a complaint and Mohela responded saying that I am due a refund. They said it would take 60-90 days from XX/XX/XXXX. It has been 90 days and I have not received the refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account # XXXX ( XXXX XXXX  ), has violated my rights. 

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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681e ( b ) ensuring maximum possible accuracy.

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 2024-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: FL

Complaint narrative:
To whom it may concern, This is an important letter and requires your immediate attention. Please note that on XXXX XXXX XXXX  I sent you a letter along with supportive documentation, asking for your assistance regarding a scam operation that I fell victim to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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: GA

Complaint narrative:
I called transunion on XXXX XXXX. I spoke with a representative who informed me my credit report has not been updated since XXXX for my student loans. It shows I owe XXXX in students loans because they have duplicated information on my credit report. 

I explained the still currently have XXXX and XXXX Bankruptcy, XXXX XXXX XXXX, and XXXX. 

When speaking with the represetative my credit report with Transunion has not been updated since XXXX. She did see all of the documents and certified mail I sent in to dispute the information. 

I requested for them to remove all student loans which are reporting inaccurrately the agent informed me it was my responsibility to send them the corrected information. 

he Fair Credit Reporting Act ( FCRA ) 2 became effective on April 25, 1971. The FCRA is a part of a group of acts contained in the Federal Consumer Credit Protection Act3 such as the Truth in Lending Act and the Fair Debt Collection Practices Act.

1. My student loans are reporting Inaccurately and should be Removed because they have not bother to report correctly since XXXX 
2. XXXX is a collection agency and is not reporting information which is contractual agreed upon. 
3. XXXX XXXX XXXX has been on my credit report since XXXX and it is extended.

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 2024-01-16 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: CA

Complaint narrative:
To whom it may concern, It has recently come to my attention that a fraudulent account has been reported to my credit report by XXXX XXXX XXXX. I have no relationship with this company ; no contracts exist between myself and this company, nor has any contract ever existed. 

Furthermore, I have perfect payment history on all of my accounts. I have no late payments or collections of any kind. 

I sincerely appreciate your help in this matter.

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 2024-01-16 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: CT

Complaint narrative:
15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXXXXXX  XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXXXXXX XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

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