vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-20 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: NY

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

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 2024-05-20 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: NY

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-05-20 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: MN

Complaint narrative:
I am writing this letter in reference to my previous dispute submitted to your agency on XX/XX/2024 that remains open and it's more than a month already. I am deeply frustrated by the lack of resolution and your agency 's continuous failure to remove the unapproved hard inquiries from my credit report. As a responsible consumer, I have diligently monitored my credit history, and I find it incredibly distressing to see my efforts undermined by the persistence of these unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to file a formal complaint regarding the treatment of charge-off accounts by credit reporting agencies TransUnion, XXXX, and XXXX, in violation of 15 USC 1681 ( 2 ) ( a ) ( i ). This issue pertains to the improper categorization of charge-off accounts as income by the Internal Revenue Service ( IRS ) , as well as the inclusion of these accounts on my credit report despite legal prohibitions. The IRS considers charge-off accounts as income, which is a policy that is fundamentally flawed and unfair to consumers. Charge-offs represent debts that have been deemed uncollectible by creditors and are typically written off as losses. However, the IRS treats these write-offs as income to the consumer, resulting in tax liabilities for individuals who are already facing financial hardship due to the inability to pay off these debts. Furthermore, according to 15 USC 1681 ( 2 ) ( a ) ( i ), credit reporting agencies such as TransUnion, XXXX, and XXXX are prohibited from reporting information that is inaccurate or can not be verified. Charge-off accounts, by their nature, are debts that have been discharged or written off by creditors and should not be included in credit reports as they no longer represent active obligations. Despite these legal mandates, I have observed that TransUnion, XXXX, and XXXX continue to report charge-off accounts on my credit report, which is not only inaccurate but also damaging to my creditworthiness and financial standing. This practice creates unnecessary obstacles for me in obtaining credit, securing housing, and accessing other financial opportunities. Therefore, I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate actions to ensure that TransUnion, XXXX, and XXXX comply with the provisions of 15 USC 1681 ( 2 ) ( a ) ( i ) by ceasing the reporting of charge-off accounts on consumers ' credit reports.

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 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to file a formal complaint regarding the treatment of charge-off accounts by credit reporting agencies XXXX, XXXX, and Equifax, in violation of 15 USC 1681 ( 2 ) ( a ) ( i ). This issue pertains to the improper categorization of charge-off accounts as income by the Internal Revenue Service ( IRS ) XXXX as well as the inclusion of these accounts on my credit report despite legal prohibitions. The IRS considers charge-off accounts as income, which is a policy that is fundamentally flawed and unfair to consumers. Charge-offs represent debts that have been deemed uncollectible by creditors and are typically written off as losses. However, the IRS treats these write-offs as income to the consumer, resulting in tax liabilities for individuals who are already facing financial hardship due to the inability to pay off these debts. Furthermore, according to 15 USC 1681 ( 2 ) ( a ) ( i ), credit reporting agencies such as XXXX, XXXX, and Equifax are prohibited from reporting information that is inaccurate or can not be verified. Charge-off accounts, by their nature, are debts that have been discharged or written off by creditors and should not be included in credit reports as they no longer represent active obligations. Despite these legal mandates, I have observed that XXXX, XXXX, and Equifax continue to report charge-off accounts on my credit report, which is not only inaccurate but also damaging to my creditworthiness and financial standing. This practice creates unnecessary obstacles for me in obtaining credit, securing housing, and accessing other financial opportunities. Therefore, I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate actions to ensure that XXXX, XXXX, and Equifax comply with the provisions of 15 USC 1681 ( 2 ) ( a ) ( i ) by ceasing the reporting of charge-off accounts on consumers ' credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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:
Although I am still unable to see my credit score or credit file, I am able to dispute certain items. The problem is I am not able to dispute a particular account ( which states it is under reinvestigation ) even though the dispute has been completed. I have asked that Equifax fix the situation with different managers, they all give different answers as to why the problem won't get fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I have multiple XXXX XXXX fees from XXXX to present- In XXXX i called to set up -auto pay- Never was it added to my account in the mean time i have {$80.00} in late fees. this has happened before because i requested in the past to be put on auto pay- Capital one keeps charging me late fees when i have asked multiple times to be placed on auto pay. This is a horrible way to make money off of people and i am sure i am not the only one. Customer service placed me on auto pay today an refused to remove late fees because they were removed previously- i said yes because when i called originally that is when the auto pay was supposed to be placed! 
Manager there would not remove my late fees- it's the principle of the matter! literally they're making extra money off of late fees and not setting up the auto pay when originally requested. This is ill-mannered and uncalled for!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: NY

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-05-20 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and I noticed some unauthorized inquiries on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.

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 2024-05-20 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: OH

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the Equifax data breach and I noticed some unauthorized inquiries on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-05-20 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: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
chexsystem Please investigate this matter and correct the inaccuracies on my report. I would appreciate a response within 30 days of receipt of this letter. 

delete Unpaid XXXX Closures in Last 4 Years : {$000000000.00}

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 2024-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I opened a Apple card account in XX/XX/XXXX with a credit limit of XXXX USD In XX/XX/XXXX I spent XXXX USD using this Apple Cards Credit. I made payments of XXXX USD on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX XX/XX/XXXX. The Items that I purchased for XXXX that I initially used this card credit was returned to the Apple card by the merchant because I did not keep the products. These payment caused my credit card to become have a XXXX USD credit available plus XXXX over within the account. I was then notified that credit limit was increased to XXXX USD without applying or agreeing to it. I contacted the Apple Card Specialist to decrease the credit balance back to XXXX USD because I have spent XXXX USD and was charged interest of 24.24 % XXXX on that amount. They said that they could decrease the balance to XXXX USD but I would still owe XXXX USD and that I would continue to be charged interest on the XXXX that I paid to the account that was not borrowed as credit. I disagree that I should be paying interest on that money that XXXX USD and consider that it should be treated or seen if anything as more more of an investment because I am sure that they since used it for investing.I also did not agree to any terms for a percentage of what i would receive for them having possession of this XXXX USD that was in this account. 

The company has now reduced the line of credit to XXXX USD but has refused to remove the balance of XXXX USD that is be regarded as money they are owed payment on with interest. This money is not borrowed money from the line of credit that they initiated and is in fact my own money that was not a part of the contract. They are in violation of the contract agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: OH

Complaint narrative:
********NOTE : THIS IS NOT A " DUPLICATE COMPLAINT '' DO NOT CLOSE : ****** This is another issue entirely. 

I have a private student loan with Navient that consolidated XXXX loans from attendance at XXXX XXXX XXXX. The school listed on the loan application was XXXX XXXX XXXX. The loan application date was XX/XX/XXXX. The loan was disbursed on XX/XX/XXXX. Navient has the loan labeled as a XXXX  XXXX XXXX loan. This is incorrect and I have asked them to correctly label the loan as XXXX XXXX XXXX. They refuse to do so. 

They state that although the loan was for XXXX XXXX XXXX, I was attending the XXXX  XXXX XXXX at the time the loan was disbursed. This is incorrect. 

The Navient loan was disbursed on XX/XX/XXXX. My dates of attendance at the XXXX  XXXX XXXX started on XX/XX/XXXX and Navient acknowledges this in the letter they sent me. 
XXXX XXXX dates of attendance : XXXX Private loan application date : XX/XX/XXXX Loan originated : XX/XX/XXXX Loan disbursed : XX/XX/XXXX XXXX XXXX  XXXX dates XXXX attendance : XXXX I was not attending any school at the time of origination ( XX/XX/XXXX ) and disbursement ( XX/XX/XXXX ) and the most recent school I HAD attended was XXXX XXXX XXXX. 
NO loans associated with the XXXX  XXXX XXXX are included in this loan, at all and Navient acknowledges this. 
This loan is NOT a XXXX  XXXX XXXX loan and the documents attached attest to these facts. 
The loan needs to be labeled accurately as an XXXX XXXX XXXX loan. 
Any attempt to call this a XXXX  XXXX XXXX loan is FRAUD ( as defined by the state of XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX : means to knowingly obtain, by deception, some benefit for oneself or another, or to knowingly cause, by deception, some detriment to another ). The dates speak for themselves. Navient is clearly attempting to realize some benefit to their company by labeling this loan as something other than an XXXX XXXX loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: TX

Complaint narrative:
This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; 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 XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief