vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
Dear CFPB Representative, I am writing to file a formal complaint against Sunrise Credit Services and XXXX XXXX for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The details of my complaint are as follows : Background Information : Account/Reference Number : XXXX Date of Initial Debt Validation Request : XX/XX/2024 Date of Follow-Up Communication : XX/XX/2024 Entities Involved : Sunrise Credit Services, XXXX XXXX XXXX of XXXX XXXX XXXX XX/XX/2024, I sent a formal request for debt validation to Sunrise Credit Services regarding the above-referenced account, in compliance with FDCPA, 15 U.S.C. 1692g ( b ). This statute requires that debt collectors provide debt validation within 30 days of the request and cease collection activities until such validation is provided. Sunrise Credit Services failed to respond within this legally mandated timeframe. 

Following this, on XX/XX/2024, I sent another communication to both Sunrise Credit Services and XXXX XXXX, emphasizing their non-compliance and demanding corrective action. Despite my clear and repeated requests, both companies failed to provide the necessary debt validation. This constitutes a clear violation of FDCPA, 15 U.S.C. 1692g ( b ). 

Additionally, both Sunrise Credit Services and XXXX XXXX have continued to report erroneous information on my credit report, which is a violation of the FCRA. Specifically, 15 U.S.C. 1681i requires credit bureaus to investigate disputed information, and 15 U.S.C. 1681b limits the purposes for which consumer information can be obtained. Their failure to validate the debt and their continued reporting of inaccurate information demonstrate a willful disregard for these statutes. 

XXXX Search Results : I conducted a XXXX search with the State Secretary of Florida, which revealed XXXX debts recorded under my name. This search, authorized under the XXXX XXXX XXXX XXXX XXXX  ), further confirms that the debt in question is not valid and that both companies have likely obtained my personal information illegally. 

Violations : Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692g ( b ) : Failure to provide debt validation within 30 days.

15 U.S.C. 1692e : False or misleading representations.

15 U.S.C. 1692f : Unfair practices.

Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681b : Improper access to consumer information.

15 U.S.C. 1681i : Failure to investigate disputed information.

15 U.S.C. 1681c : Inaccurate information in consumer reports.

15 U.S.C. 1681n : Civil liability for willful noncompliance.

15 U.S.C. 1681o : Civil liability for negligent noncompliance.

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 2024-06-18 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: FORD MOTOR CREDIT CO.
State: IL

Complaint narrative:
My information was used fraudulently to finance a truck. The person stop paying for the truck and now this information is on my credit and im being sued for whats owed on the vehicle. Also I filed a police complaint as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-18 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: IL

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: IL

Complaint narrative:
I respectfully ask for an update to my credit report, specifically the removal of the current public record. Attached are the required documents to substantiate this request. I appreciate your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Westcreek Financial
State: TX

Complaint narrative:
I reached out to the loan company, Koalafi on XXXX, and XX/XX/XXXX regarding a fraudulent account opened using my personal information. I have no affiliation with this account or the funds received. Koalafi will not investigate or close this account and I am being held responsible to make payments. This account is now showing up on my credit report which is how I became aware of the fraud. I noticed the account on my credit report on XX/XX/XXXX and immediately emailed Koalfi that night, and have followed up with phone calls on XX/XX/XXXX and XX/XX/XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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:
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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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.

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 2024-06-18 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: MS

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-06-18 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: MS

Complaint narrative:
PLEASE BLOCK AND REMOVE I strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
I have/had a XXXX XXXX XXXX  through One Main Financial and was issued by XXXX XXXX  XXXX I closed the card over a year ago but continued making the minimum payments as needed. After making this month 's payment ( XX/XX/XXXX ) through the app, I logged back in to verify that it was applied to my balance. I found out that I no longer had access to the account through the app or the web. There was a message to call the customer service number : XXXX. When I called the number ( first called on XX/XX/XXXX ), I was told my account was in their collections department. The representative said they would transfer me, but the call simply goes through the initial greeting with prompts to verify my information then returns the call to the regular customer service folks. A representative gave me another number to call : XXXX. I had the same results as the first number, the call never reached the collections department. Another representative gave me this number : XXXX, same result, no contact with collections department, and lastly another representative gave me this number today ( XX/XX/XXXX ) : XXXX. This is not even a One Main phone number. 

I don't know where to go or how to proceed. I want to be able to continue making payments. The last 4 numbers of the card are XXXX. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I am getting notices that they have updated the payment schedule for my loans. However, I received a letter dated XX/XX/year> that the loan from XXXX XXXX was eligible for full discharge and that the remaining balance on the loans were forgiven. 
Also the servicer would let me know about this refund. 

When I contact the servicer they just tell me to contact difference agencies. First the Treasury Department, which made no sense to me. Then when I called back with the same question, " when will my refund be issued '', they tell me that I have to call XXXX ; XXXX XXXX. 

I have been trying to get answers on this refund since XXXX  to no avail. Please help me if you can get to the bottom of my refund. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
XXXX XXXX are Scammers. A dentist who used XXXX XXXX to approve and finance my dental care for {$17000.00} which was charged to the card without the dental office doing absolutely anything but x-rays and putty impression to fit me for permanent overlay crowns that I didnt need or receive. The dentist said that he would bill the remainding cost to my insurance company, whatever that amount might have been. After a XXXX and no appointment to do my cleaning. I decided to get a second opinion concerning my dental needs. The second dentist gave me a complete service charge breakdown and care plan with an estimated cost of {$4300.00} to do the dental services. I then call Cowherds office and told them I had decided to go with another dentist and would not be coming back because I felt leery of the services. Right after the call to his office, I got an alert from my credit card company informing me that he had just charged my card {$17000.00}. I called the credit company and they advised me that I could dispute the charge, and I did. After going to court, All of the money was finally returned but XXXX XXXX charged me excess fees such as processing and late charges because they said they did not receive my payments which I sent directly to them each month and they said they never received the check or online payments I made. This is false and they claim my bank was in fault and caused the payment problem. XXXX XXXX in my opinion are scammers. Be ware!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I reached out to the loan company, XXXX on XXXX, and XX/XX/XXXX regarding a fraudulent account opened using my personal information. I have no affiliation with this account or the funds received. XXXX will not investigate or close this account and I am being held responsible to make payments. This account is now showing up on my credit report which is how I became aware of the fraud. I noticed the account on my credit report on XX/XX/XXXX and immediately emailed XXXX that night, and have followed up with phone calls on XX/XX/XXXX and XX/XX/XXXX. Please help.

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 2024-06-18 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: OR

Complaint narrative:
There are fraudulent inquiries in my report that needs to be removed. I've been disputing these since last year. I know my right of having a fair credit report and yet Equifax is making it hard for me to have that right. this is against the law! i even submitted FTC, my license, my social card and yet they invalidate it telling me that i should file another FTC because i have more than 5 inquiries! that is illegal. i want these inquiries to be removed as soon as possible : FACTUAL DATA inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
On XX/XX/year>, the Consumer Financial Protection Bureau ( CFPB ) finalized a rule limiting the penalty for late payment to {$8.00} per incident, down from an industry average of {$32.00}. However, Milestone Credit Card also known Concora Credit is charging me {$81.00} and $ 82 monthly since XX/XX/year> for late and overdraft fees after I asked my account to be place on a hardship status. I have not used this card since XX/XX/year> however due to predatory account billing practices my balance has increased from {$590.00} to {$1300.00} due to fees. I attempted to resolve this situation with the company to no avail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-18 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX. XXXX {$390.00} XXXX XXXXXXXX violated my rights. 

I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). 
d according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 in accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX. XXXX {$390.00} # XXXXhas violated my rights. 

I looked at my credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

d according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 in accurate.

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 2024-06-18 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal 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 explanation
Consumer complaint received 2024-06-18 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation