vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: MD

Complaint narrative:
I disputed multiple inaccurate accounts with Experian, including a mortgage with XXXX XXXX, a credit card with XXXX  and a derogatory account from XXXX XXXX  XXXX XXXX which were reported as late, open with a {$0.00} balance, or charged off. These discrepancies violate 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain the " maximum possible accuracy '' in consumer credit reports.

After submitting several disputes, I requested that Experian provide the method of verification for these accounts, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), and furnish the names and contact details of the creditors or furnishers, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ). Despite my formal requests, Experian failed to adequately verify the accounts or remove them, as required by FCRA 1681i ( a ) ( 5 ), which mandates deletion of unverifiable information.

Throughout the dispute process, Experian failed to perform a reasonable investigation, as required under 15 U.S.C. 1681s-2 ( b ), which obligates furnishers of information to correct or remove inaccurate information when disputes arise. Their failure to act violates their duty to investigate in good faith, as reinforced by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which mandates a deeper inquiry when a consumer provides evidence of inaccuracies. 

Examples include : XXXXXXXX XXXX XXXX  XXXX Reported as 30 days late with inconsistent last reported dates across bureaus, violating FCRA 1681e ( b ) and 1681i ( a ) ( 5 ), which mandates deletion of unverifiable information. 
XXXX Credit Card : Listed as open with a {$0.00} balance and varying activity dates, which violates FCRA 1681e ( b ) 's accuracy requirements. 
XXXX XXXX  XXXX XXXX Reported as derogatory with unresolved charge-off dispute comments, in violation of FCRA 1681s-2 ( b ).

Despite my attempts to resolve the matter, Experian continued to report inaccurate information, damaging my credit score. Their superficial investigations and refusal to remove the disputed accounts constitute a violation of my rights under the FCRA.

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 2024-10-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XX/XX/year> Company : XXXXLVNV FUNDING Account type : Debt Buyer Account number : XXXX Amount reported on XXXX credit report : $ {$4300.00} I am writing this letter to you in response to a notice I received from you. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692 g. Sec 809 ( b ) that your claim is disputed, and validation is requested. The statue on this debt has expired.

This is not a request for Verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following What the money you say I owe is for?

Explain and show me how you calculated what you say I ow.

Provide me with copies of any papers that show I agreed to pay what you say I owe.

Provide a verification or copy of any judgement.

Provide me with proof that I entered into a contract with your collection agency or your law firm.

I am requesting Assignment Contracts.

Copy of the original contract bearing my signature that I signed on for this debt.

Payment history from the original creditor that show payments.

I want the name and address of the original creditor.

I want proof you either own or were assigned this debt.

I am requesting an assignment contract.

If your office has reported invalid information to any of the three major Credit Bureaus XXXX XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am an XXXX XXXX XXXXXXXX veteran, and I required multiple surgeries  to XXXX XXXX XXXX XXXX XXXX While hospitalized and going thru XXXX  my Capital One Accounts were compromised by misappropriations, conversions, bailments, theft, burglary, Identity Theft and other criminal acts. My linked accounts set up to make payments were frozen due to unauthorized access to funds, and attempts to access funds through forged checks, incorrect access methods, and other data breaching methods without my knowledge and or authorization. When I received notices, I attempted to make payments with Capital One and was denied over the phone, at the ATM, and when making attempts at the Local branches located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was denied sufficient customer service and access to my accounts. 

I notified Capital One by phone numerous times that the United States Mails had been compromised in violation of Title codes 18 U.S.C 1701 : US Code - Section 1701 : Obstruction of mails generally ; 18 U.S.C 1702 : US Code - Section 1702 : Obstruction of correspondence to one or more customers ' accounts. Capital One responded by closing my accounts while attempting to make transfers from FDIC Insured and NCUA protected Institutions in violation of TILA and agreements ; namely but not limited to Navy Federal Credit Union. I notified Capital One that I had documented evidence and proffers of proofs to substantiate that Unsubs were engaging in Criminal Conspiracy to defraud not only Capital One but one or more customers, clients, and businesses. Capital One has conducted business in conflict with its nationally broadcasted advertisements and published contracts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MS

Complaint narrative:
I was steered into interest-accruing forbearances or deferments and not informed about other, potentially more affordable repayment options, including the governments income-driven repayment plans.As a result, additional debt was accrued between XXXX and XXXX that resulted in having a larger repayment amount than the amount of the loans I took out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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 couldn't believe it when I saw inaccurate accounts on my credit report this morning. I check it often, and its never had these discrepancies before. Hoping it was a glitch, I refreshed my browser, but the incorrect accounts remained. Its incredibly frustrating, and Im asking for a detailed review of my submitted documents so I can finally stop worrying about this.

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 2024-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: DApps Platform, Inc.

Complaint narrative:
My XXXX tokens were taken from Trust Wallet. See attached

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
This is clearly as water. Thank you CFPB for bringing this awesome evidence to light despite the lies that TD Bank was telling consumers who, like been saying for years ( this is A fraudulent account that magically appeared on my consumer report. I had told TD Bank and made them aware of this fraudulent account yet they continue to harm my life by ignoring what i have been barking at TD Bank fraud department which i now know is being handled by clerks that were told to ignore any Fraudulent investigation into this credit account. Now I Know why TD bank was determine to flex and intimidate me into trying to make me believe that they were investigating this fraud account when they never did. CFPB this data furnisher is liable under the Fair credit reporting act ( FCRA ) under section 623 .Responsibilities of furnishers of information to consumer reporting agencies. a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall 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. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: OK

Complaint narrative:
Loan information is incorrect and balance keeps changing and affecting my credit score. My accounts are deferred.

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 2024-10-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Many occasions during the XXXX  years, by representative provided inaccurate information about the Public Service Loan Forgiveness-program t ( he loan was for XXXX, XXXX, XXXX and now I owe XXXX ) and their eligibility for the relief. 
I was steered into interest-accruing forbearances or deferments and not informed about other, potentially more affordable repayment options, including the governments income-driven repayment plans- I was told my credit report will not be effected in a negative way and when the payment was processed, the payment was posted and the XXXX loans were sent to the credit burea and effected my credit report severely- my payments were not affordable and was financial burden. 
I was charged fees to enter a forbearance on many occasions during the XXXX years of the loans I was charged multiple late fees for a single delayed payment while processing a forbearance and payment plans Was denied access their loan payment history when requested several times to confirm interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
In XXXX, I purchased a vehicle from XXXX XXXX. It was financed by /Credit Acceptance Corporation . I Surrendered that vehicle in XX/XX/XXXX. It was always in the shop. Credit Acceptance and I reached a Settlement Agreement XXXX XXXX. According to our agreement payments will be processed the day received. However, Credit Acceptance Corporation have been reporting my payments late to the Credit Bureau. 
This is having a negative effect on my credit report. Credit Acceptance Corporation does not have a judgement against me it is an agreement which I have paid on time. 

According to the State Laws on time payments must be reoprted on time and it is also stated in our agreement. The agreement was to pay {$2300.00}. In XXXX I paid {$1200.00} and began paying the balance in XX/XX/XXXX and from then to XX/XX/XXXX payments have been paid on time. Please see the attached douments.

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 2024-10-10 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: OR

Complaint narrative:
I, XXXX XXXX, am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate and unverifiable items that remain on my TransUnion credit report as of XX/XX/year>. 

The negative items listed below are adversely affecting my credit score and financial well-being. I have previously disputed these accounts with TransUnion under the Fair Credit Reporting Act ( FCRA ) and Uniform Commercial Code ( UCC ), requesting validation of these debts, but the items remain unresolved. 

Disputed Accounts : Collections : XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX {$440.00} Closed Accounts with Negative Marks : XXXX {$1800.00} ( Charged off ) XXXX XXXX {$1800.00} ( Collection ) Reasons for Dispute : Inaccurate Reporting : The listed accounts contain incorrect information regarding balances and status.

Unverified Claims : Under UCC 1-308 and FCRA 611, I have the right to request proper validation of these debts, which has not been provided.

Failure to Investigate : TransUnion has not provided sufficient
investigation or proper validation within the 30-day window allowed by law.

Requested Resolution : I request the CFPB 's assistance in enforcing my rights under the FCRA and UCC. Specifically, I ask that TransUnion : Provide original signed agreements for each disputed account or delete the entries from my credit report. 
Conduct a thorough investigation of each disputed account.

Remove any unverifiable or inaccurate information from my credit report.

TransUnions failure to act in accordance with consumer protection laws is causing harm to my financial reputation and limiting my access to credit. 

Thank you for your attention to this matter. I trust that the CFPB will help ensure my rights as a consumer are upheld. 

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
Consumer complaint received 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I've noticed multiple hard inquiries on my credit report that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: WI

Complaint narrative:
I'm reaching out for help regarding the inaccurate account listed on my credit report. This issue has caused harm to my reputation, and I rely on your assistance to address it. Due to your mismanagement of my credit information, my credibility has suffered. I urge you to remove these mistakes 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 non-monetary relief
Consumer complaint received 2024-10-10 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

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 2024-10-10 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: CT

Complaint narrative:
XXXX - XXXX Last updated XX/XX/XXXX Balance {$530.00} Account Details DEROGATORY Account Type Collection Account Last Account Activity XX/XX/XXXX Open Since XX/XX/XXXX Ownership Individual Current Balance XXXX XXXX  Monthly Payment - Original Creditor XXXX XXXX Payment Details Payment status Collection/Chargeoff Contact Information Lender Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone Number XXXX XXXX - XXXX Last updated XX/XX/XXXX Balance {$170.00} Account Details DEROGATORY Account Type Collection Account Last Account Activity XX/XX/XXXX Open Since XX/XX/XXXX Ownership Individual Current Balance XXXX XXXX Monthly Payment - Original Creditor XXXX XXXX Payment Details Payment status Collection/Chargeoff Contact Information Lender Name XXXXXXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone Number XXXX Remarks Placed for collection XXXX XXXX XXXXXXXX Last updated XX/XX/XXXX Balance {$650.00} Account Details DEROGATORY Account Type Collection Account Last Account Activity XX/XX/XXXX Open Since XX/XX/XXXX Ownership Individual Current Balance XXXX XXXX  Monthly Payment - Original Creditor XXXX XXXXXXXX Payment Details Payment status Collection/Chargeoff Contact Information Lender Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Phone Number XXXXXXXX XXXX XXXX  XXXX XXXX Credit Limit Current Balance {$300.00} {$470.00} Credit Utilization XXXX XXXX Account Type : Account Status : Open Since : Last Account Activity : Credit Card Closed XX/XX/XXXX XX/XX/XXXX XXXX - XXXX Credit Limit Current Balance {$0.00} {$1300.00} Credit Utilization XXXX XXXX Account Type : Account Status : Open XXXX XXXX XXXX XXXXccount Activity : Credit Card Closed XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX Credit Limit Current Balance {$20000.00} {$24000.00} Credit Utilization XXXX XXXX Account Type : Account Status : Open Since : Last Account Activity : Flexible spending credit card Closed XX/XX/XXXX XX/XX/XXXX XXXX : XXXX XXXX Reported on : XX/XX/XXXX Inquirer : XXXX Reported on : XX/XX/XXXX XXXX : XXXX XXXX Reported on : XX/XX/XXXX XXXX : XXXX Reported on : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief