vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-23 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:
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 USC 1681 Account Name : 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 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 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 has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable.

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 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: WY

Complaint narrative:
I had a loan with XXXX motor credit and the vehicle was repossessed because I was battling XXXX XXXX XXXX XXXX and the company is reporting inaccurate/inconsistant information to all XXXX credit bureaus and negatively affecting me to obtain new credit.the fair credit reporting act states that im entitled to XXXX accuracy on acounts reporting to my credit file and XXXX XXXX XXXX violating my rights.please investigate and delete this account from my credit report XXXX mtr account # XXXX the balance, date of last payment, payment history, payment amount, term length, account status, credit limit, are all reporting inconsistent information.delete account 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 non-monetary relief
Consumer complaint received 2024-08-23 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: WY

Complaint narrative:
I had a loan with XXXXXXXX XXXX XXXX  and the vehicle was repossessed because I was XXXX XXXX XXXX XXXX XXXX and the company is reporting inaccurate/inconsistant information to all 3 credit bureaus and negatively affecting me to obtain new credit.the fair credit reporting act states that im entitled to 100percent accuracy on acounts reporting to my credit file and XXXX XXXX XXXX violating my rights.please investigate and delete this account from my credit report XXXXXXXX XXXX account # XXXX the balance, date of last payment, payment history, payment amount, term length, account status, credit limit, are all reporting inconsistent information.delete account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: WY

Complaint narrative:
I had a loan with XXXXXXXX XXXX XXXX and the vehicle was repossessed because I was XXXX XXXX XXXX XXXX XXXX and the company is reporting inaccurate/inconsistant information to all 3 credit bureaus and negatively affecting me to obtain new credit.the fair credit reporting act states that im entitled to 100percent accuracy on acounts reporting to my credit file and XXXX XXXX is violating my rights.please investigate and delete this account from my credit report XXXXXXXX XXXX  account # XXXX the balance, date of last payment, payment history, payment amount, term length, account status, credit limit, are all reporting inconsistent information.delete account 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 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: WY

Complaint narrative:
The following account is reporting inconsistent and inaccurate information on my credit report according to the fair credit reporting act I'm entitled to 100percent accuracy and XXXX XXXX XXXX account # XXXX is violating my federally protected rights.i demand them to delete this account from my credit reports immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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 was a victim of a natural disaster Hurricane Ian in Florida, my home was torn down and we were forced to vacate and live out of a hotel almost for months. The creditors were advised of happened and the situation about my home. They have been working with me up until recently. I advised once my insurance claim is taken care of since I have had to pay everything out of pocket everything will be paid. No problem. But all the creditors have reported my accounts as charge offs and not as Natural Disasters as that would not affect me like they have it reporting and I have disputed over and over, with the creditors and agencies, I have sent all the required documents in the mail as stated. They confirmed receipt of everything including the court information related to the Hurricane. I am asking that they fix my reports so that the charge off and reflect them to show as Natural Disaster since they have the code due to delinquent of Natural Disaster where it won't affect me. This has been an ongoing situation, since they started reporting me back in XXXX  while I was living out of a hotel. And spending hours a day dealing with this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: Perpay, Inc.
State: WY

Complaint narrative:
I paid my perpay account off in full and closed my account. I do not owe them anything and I do not have an open account anymore with them. They reported it is still open and I still owe them money causing my score to decrease drastically. This account is paid off and closed and I disputed this with XXXX and they came back with the result I am delinquent and the account is not paid. This is all false and I paid a lot of money to close this account. I have bank statements proving this. This needs to be fixed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
I was told I had a {$0.00} dollar amount as per the fact that I was both in school and not making enough for the {$350.00} default plan. I received NO NOTICE when I suddenly told I owed $ XXXX dollars a month. There is no website access from Mohela. They won't let me email, call, or login to my account. So I can I verify these payments, amounts, or even if it's my account they're charging?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: LA

Complaint narrative:
My personal information is inaccurate. Name, address, and employment information is in accurate. Please update my information.

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 2024-08-23 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: PA

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I have sent a dispute on XX/XX/year> to TransUnion, XXXX, XXXX. In return I received a stall letter or or email from TransUnion, and XXXX, from XXXX I have not received anything from. From TransUnion The stall letter message was emailed to me XX/XX/year> XXXX Which I have attached proof, I received on XXXX XXXX at XXXX which has been attached as well. You will also see in my attached documents my disputes of the inaccurate information, asking for validation of said information. I have also attached a letter from the court clerk stating they do not report this information to anyone, as well I have included in my disputes proof of address, and my Government issued ID show that it is indeed me. Along with proof that it has been delivered, and how it is inaccurate on my credit report. I am requesting that this inaccurate information be deleted at once, as I feel like I have provided more than enough information. If this does not get removed. I will contact my lawyer and the federal courts to sue for damages and removal of this off 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 2024-08-23 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: TOYOTA MOTOR CREDIT CORPORATION
State: NC

Complaint narrative:
I XXXX XXXX SUMMITED 2 FORMS OF identification Proof of address ALONG WITH FTC AFFIDAVIT ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally express my concern regarding the disputed accounts that currently appear on my credit report. On multiple occasions, I have raised the issue of inaccuracies related to these accounts and have consistently requested that they be thoroughly investigated. Despite my repeated efforts, I have not received any resolution or corrective action. 

These erroneous accounts are severely damaging my credit profile and hindering my ability to live a normal life. The negative impact of these inaccuracies has caused immense hardship, and I am left with no choice but to urgently seek your assistance in rectifying this situation. 

I kindly request that you conduct a comprehensive investigation into the reporting of each of these disputed accounts. It is imperative that you take the necessary steps to update and correct my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and to take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

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 2024-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MI

Complaint narrative:
Chime Bank otherwise known as XXXX, XXXX. has taken {$3000.00} from my main checking account on XX/XX/XXXX. my balance was XXXX then I withdraw money at the counter of a local bank with debit atm card for {$3000.00} and had a remaining balance of XXXX, two hours later my account with overdrawn with a balance of - {$1500.00}. I did no additional transactions in that time. I called chime to report the issue on XX/XX/XXXX they agreed something was incorrect and I shouldn't be overdrafted. They said they would follow-up in 24-48 hours they never did. I called Monday XX/XX/XXXX and they informed they had to escalate the issue to a back end department due to it being a " glitch '' on chimes end. The informed they have 2 systems, one customer facing and the other a back end system. The back end system reflects my true balance of {$5500.00} but it's not updating on my end. I can only see that I have XXXX, and I can only access that much. They informed me again someone would be in touch via email regarding the issue. They confirmed they had the correct email. I then called back XX/XX/XXXX and they informed they escalated it again and someone would be reaching out in 24 hours. I never received anything, so I called again today XX/XX/XXXX and spoke with multiple supervisors who informed there is nothing they can do to resolve it, their back office has to review it and contact me. I was very upset and told them this back end office has never reached out, I have no updates or timeline when I will get my money back. I XXXX XXXX XXXX XXXX XXXX XXXX this situation has crippled me financially and chime/XXXX  seems to not even care.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. I am writing to request that the credit bureaus delete and block the following fraudulent information from my credit report Account name XXXX  XXXX reference # XXXX XX/XX/XXXX XXXX  XXXX reference # XXXX. XX/XX/XXXX I wrote multiple laters and sent proof of XXXX police reports and they have yet to resolve my issue

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. I am writing to request that the credit bureaus delete and block the following fraudulent information from my credit report Account name XXXX  XXXX reference # XXXX XXXX XXXX XXXX  XXXX reference # XXXX. XX/XX/XXXXXX/XX/XXXX I wrote multiple laters and sent proof of XXXX police reports and they have yet to resolve my issue

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 2024-08-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mutual Management Services LLC
State: FL

Complaint narrative:
This collection agency is trying to collect a debt that isnt in our name plus charging 18 % interest, i did sent a proper letter to verify this debt if legitimate but this collection agency send me an email with a receipt qith a different name on the receipt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA

Complaint narrative:
I am filing this complaint because a debt collection agency, Fair Collections and Outsourcing, inc., has failed to provide adequate validation of a debt they are attempting to collect, despite multiple requests. 

OnXX/XX/XXXX, I sent a formal written request to Fair Collections and Outsourcing, inc. asking for proof of assignment or transfer of the debt to their company, as required by the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I requested documentation proving that they have the legal right to collect this debt. 

In response, the agency provided a vague statement without the necessary documentation. I followed up on XX/XX/24, XX/XX/24, XX/XX/24 and XX/XX/24 reiterating my request for proof of assignment. Despite my repeated requests, the debt collector has not provided the required documentation. 

Most recently, I received an email from XXXX XXXX of Fair Collections and Outsourcing, inc. on XX/XX/24, stating that they would no longer respond to my requests, and they have since stopped replying to my emails entirely. They also indicated they would cease contacting me, but this does not address my request for proper validation under the FDCPA. 

I believe Fair Collections and Outsourcing, inc. is in violation of the FDCPA by failing to provide adequate proof of assignment of the debt, and I am concerned that this debt may be inaccurately reported to credit bureaus, affecting my credit report and score.

I request the CFPB to investigate this matter and require Fair Collections and Outsourcing to provide the proper documentation validating the debt or to cease all collection activities and correct any credit reporting related to this account. 

Thank you for your attention to this issue.

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 2024-08-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
Mohela the provider of my federal loan is a company NOT A PERSON and is breaking the law and causing harm to consumers like me. They should not be allowed to continue their illegal activities that harm so many struggling people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation