vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Revenue Assistance Corporation dba Revenue Group
State: AZ

Complaint narrative:
Has called me 32 times in the last week. They are asking for my social security number and I refuse to provide that information. Explained they can mail me any correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I called Citibank on XX/XX/year>, and XX/XX/year>, and was told by a supervisor Im unable to create an online banking account to review my credit card statements without my credit card number. I was told my : first name, middle name, last name, address, date of birth, social security number, including two-factor authentication with my email and phone number is not good enough to create an online banking account because it requires my credit card number. This is unfair. I dont keep my credit card on me XXXX. Citibank is prohibiting me from using online banking simply because I dont have my credit card number on me. Now Im forced to call Citibank each time to confirm if my last payment was received, and go through Citibanks horrible automated system. This is an unfair, deceptive, or abusive act or practice. I now regret having a Citibank account. The way Citibank treats its customers is terrible.

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 2024-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
On XX/XX/XXXX, after reviewing my credit report. I made an attempt to discuss my credit debit with Midland Credit Management, and I tried to get a settlement statement from them, they didnt agree to speak to me or agree to send settlement statement. I am a XXXX, homeless XXXX person with very low income trying to resolve issues on my credit in order to get a place to live. And this company would not cooperate at all. I had 1 collection with this agency, Midland Credit Management that I paid in XXXX, And the debt is showing on my credit report as of XX/XX/XXXX in amount of XXXX $ and I paid this account in XXXX, XXXX and I have copies of check that was mailed to creditor, the amount showing now is {$630.00}. Almost doubled and I paid the full amount due in XX/XX/XXXX. This needs to be resolved and removed due to Midland Credit Management services will not cooperate with me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
Ally finance XXXX XXXX XX/XX/2024 I seen my credit was ran, this was not my consent. And under the fair credit act I would like these removed.

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 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: CA

Complaint narrative:
I noticed this over the past XXXX months as I was comparing statements. 

I Recently made extra payments to pay off the balances that were interest bearing ( 20 % ) but instead of applying my payments to those amounts, Discover applied them to the balances I had that were 0 % interest. Told me that the only way I could pay off interest bearing balances is to pay off all lower interest balances first. So I now have interest bearing balance that I can not get rid of even though I already paid it off. 

In my opinion this is fraud and really is bullying by Discover and unethical and needs to be resolved. 

Discover payment policy provided to me in a recent chat with them. 
Sent at approx. XXXX XXXX PST XX/XX/XXXX : When you make payments to your Discover account. Every dollar of your minimum amount due comes off of whatever portion of your balance has the lowest interest rate ( your balance transfers ) and the remainder of your payment comes off of what has the highest interest rate ( your purchases ). 

The above was first response which was why I was contacting them because the excess of my recent payment had not been applied to my highest interest bearing balance. When I asked them for a breakdown of how my recent payment was applied I was re-connected to someone else who provided the policy below instead. 

Sent at XXXX XXXX PST XX/XX/XXXX : Payments are automatically allocated to the lowest interest rate balance first ( balance transfers ), then to the highest interest rate balance ( purchases ). 

I asked them nicely to please resolve this by applying my most recent payment to the interest bearing balance instead of the 0 % balance but they would not comply. I have been a good customer but will not continue using them in the future with ethics like this. At this point I can not pay off my interest bearing balance unless I pay off the entire balance I owe. 

Unethical in my opinion. 

Appreciate any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: MI

Complaint narrative:
I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 

Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-03-13 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: TX

Complaint narrative:
Upon reviewing my XXXX, XXXX and Equifax credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my 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 explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.

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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.

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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
In accordance with the FCRA, ( Experian, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX XXXX account XXXX  XXXX ) I am Attaching identity and proof of address.

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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I XXXX XXXX a consumer is still having problems with a Bankruptcy on my credit report. I have asked the several times that the bureaus show me how this information was furnished. They have yet to mark the accounts as disputed. The bureau has completely disobeyed the FCRA. They have not removed this account from my credit report. So, I'm requesting that all XXXX XXXX  accounts on my credit be removed. 15usc1681 604a Section 2 states that a consumer reporting agency can not furnish account without, my written consent.

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 2024-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There was a fraud transaction on my account for {$10000.00} on XX/XX/24 to XXXX XXXX XXXX 

I did not make that transaction it was not authorized. 

My account was not refunded the money and I need it

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 monetary relief
Consumer complaint received 2024-03-13 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: PA

Complaint narrative:
MOHELA is contracted to manage my Federal Direct Loan. My complaint is a late Student Loan Billing Statement delivered online 4 days before due date and their auto debit not functioning causing me to pay manually on the due date. Now the servicer is reporting the payment as past due. 

Mohela Statement Delivery Date XXXX jpg document shows the date the XXXX Billing Statement was received by me- XX/XX/2024 XXXX XXXX, Mohela XX/XX/2024 pdf document is my XXXX Billing Statement, billed XXXX with due date XXXX. This billing statement was received on XX/XX/2024, 4 days before the due date. 

Auto debit on the MOHELA payment portal states it is ACTIVE, but did not initiate the payment at the due date, requiring me to make an on-time manual payment by the due date. 

Despite this effort, my payment is still listed as past due MOHELA responded to my concern of a late billing statement with 'Sorry for the inconvienence ' and a notification that my account is now past due. See 4th attachment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: IL

Complaint narrative:
According to FCRA 605B, it's necessary for us to eliminate any erroneous accounts from my credit report. Could you kindly review the documents? I'm feeling unsettled due to the inaccuracies in some of the listed accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. Pursuant to 18 USC 8, I owe no debt, These companies are violating my consumer right to privacy pursuant 15 USC 1681-B2. these companies have no permission to report my information per 15 USC 16814. All credit consumer reporting agencies and Supplementary/Alternative Credit Reports/Check and Bank Screening companies ( Experian , 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, etc. ), are violating my consumer rights.

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