vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: PA

Complaint narrative:
An account with XXXX XXXX XXXX  was opened in my maiden name on XX/XX/year>. I have submitted a dispute with XXXX to remove the fraudulent account from my credit report. The dispute came back with nothing changed. I contacted the debt collection agency who purchased this debt XXXX XXXX who will not remove this from my credit report and is suggesting I pay the debt. I believe this whole situation is part of some bigger fraud or scam. How in 2 months did this go into collections and be purchased by a debt collection agency?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 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 urgently request an update to my account since I've consistently made timely payments. The current situation is causing me stress and concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: CA

Complaint narrative:
Previous attempts have been made to obtain proof of verification for these items on my credit report. With each attempt, TransUnion has come back with merely a " verified '' or " updated '' without providing any proof of what they received showing that i am personally liable for these accounts ( documents with my signature ) nor did they provide information such as the name of the person at each of these entities who verified the information, which is my right to request. 

At this point, TransUnion is in violation of the FCRA by failing to provide documentation showing a fair and complete investigation. Just because they add a note of " verified '' or " updated '' does not provide ANY proof that I am liable for these accounts, or that they are mine. 

I demand that these items be deleted off of my credit report because after months of asking for proof of validation, they have provided NONE - which proves that these accounts are not legally verified and are being reported erroneously, violating my rights as a consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXXXXXX XXXX # XXXX ( reporting TWICE ) 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 non-monetary relief
Consumer complaint received 2024-02-15 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: GA

Complaint narrative:
Re : Dispute of Inaccurate Credit Reporting - 15 U.S. Code 1681a Dear Sir/Madam, I am writing to dispute an inaccurate report made by XXXX XXXX to my consumer credit report on XX/XX/24, which resulted in a decrease in my credit score. As of XX/XX/24, I have not missed any payments or made any late payments. Despite my efforts to seek clarity on my account status, I have been unsuccessful in obtaining accurate information. 

I have made multiple attempts to contact XXXX XXXX to resolve this issue directly, including requesting to submit a dispute, but have been refused the opportunity to do so. Furthermore, despite my account reflecting a timely payment for XXXX, which was made by XX/XX/24 and posted on XX/XX/24, XXXX XXXX continues to insist that they did not receive the payment. 

Since XX/XX/24, I have spoken to several agents within multiple departments at XXXX XXXX, and each time I received conflicting information regarding my account status. Despite requesting to speak with managers, I have been unable to reach anyone who can provide resolution to this matter. 

I received an email from XXXX XXXX requesting payment for XXXX by XX/XX/24 to avoid negative credit reporting, which I complied with by making the payment before the deadline. However, despite my adherence to their request, my credit report has been inaccurately affected. 

I demand that XXXX XXXX rectify this error immediately to prevent further legal action. The inaccurate reporting is unjust and has the potential to severely impact my financial standing. I expect XXXX XXXX to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a, by correcting my credit report without delay.

Please investigate this matter promptly and correct any inaccuracies found in accordance with the FCRA 's provisions, including 15 U.S. Code 1681i. Failure to do so will leave me no choice but to pursue legal action against XXXX XXXX. 

Thank you for your attention to this urgent matter. I anticipate a swift resolution to avoid any further escalation. 

Sincerely, XXXX XXXX XXXX : proof of payment history and proof of email correspondence from XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I never borrowed any money from a company named NAVIENT. They seemed to have bought my loans from another company that I signed contracts with called XXXX. 
I read something about them needing to send some kind of letter in the last 3 years and neither me or my co-signer ever received any such kind of things.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: NV

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-02-15 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: MN

Complaint narrative:
I pay my full statement balance on the XXXX of every month as that's the due date. I made the payment of {$39.00} for XX/XX/XXXX due date and it got posted on XX/XX/XXXX. On XX/XX/XXXX, I saw that my payment got returned back from my external bank account. I didn't have any idea about this so I contacted my external bank and they said their system mistakenly froze my account. I called Capital one to apologize about the situation and told them I am working to resolve this asap. I constantly worked with my external bank account and fixed it the same day. I made my payment that got returned on the XXXX of XXXX to the capital one. My payment got posted on XX/XX/XXXX. 

Despite me calling and explaining my situation, they charged me a late fee of {$25.00} and an interest of {$15.00}. So, basically they fined me with {$40.00} total for paying my statement balance of {$39.00} three days later. I called the customer support and they told me they can not do anything about it and told me I should not be charged anymore if I keep paying my statement balance in full on the first of every month. The customer support was not providing the informations I was trying to know about my account. They would just hang up when they don't want to explain something. 

For the next month, I paid my statement balance in full before the due date and my payment got posted on XX/XX/XXXX. On XX/XX/XXXX, I got an Interest charge of {$58.00}. I just dont understand what I am getting charged for.I never noticed this charge until today. I called them and the customer representative told me they can not do anything about it and they are not sure if I will just keep getting charged. Again, I could not receive any clear information about my account and I am tired of it. 

You can check my past history that I never miss a single payment. I got unfortunate on XX/XX/XXXX with my external bank account and even though I resolved it the same day, I am still constantly getting punished by Capital one. Since XXXX and XXXX, I have been charged a total of {$98.00} for not doing anything. I have been severely affected by the pandemic and have been dealing with the financial crisis since then. I am a XXXX XXXX XXXX and my annual income is so little at this point due to my health complications. Yet, these big institutions are trying to rip off the money from people like me. I am barely making my own basic needs met and here I am paying these banks for no reason from my grocery budget while making myself starve.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Healthcare Finance Direct LLC.
State: MI

Complaint narrative:
I was contacted via phone regarding a " bill/debt '' that XXXX claims I owe to their company. During the phone conversation I requested a debt validation letter and all that was provided to me was the first email in this string ( in attachments ). Legally, they are required to provide a validation of debt to me within 5 days of contacting me without me even having to ask for the validation of debt. 

Secondly, the information that was provided to me IS NOT a validation of debt. In order to be a validation of debt the following items needed to be present : 1 ) The name of the creditor 2 ) The amount owed 3 ) When the debt needs to be paid by 4 ) How to dispute the debt. 

I made contact with them on another date and requested a verification of debt. They provided me with a " contract '' and a " payment agreement '' ( attached ). I have carefully reviewed the items that were provided upon my second request and unfortunately, there are numerous discrepancies. Several items on the contract do not match the same items on the itemized statement that they provided. 
1 ) The payment amount.

2 ) The finance change.

3 ) The total amount owed.

4 ) The total sale price including the down payment. 

Additionally, the contract states that payments were to begin on XX/XX/2023, however, but by their itemized statement payments began on XX/XX/2023. Their contract references a credit card that the payments are to be drawn from and that account number is not one that I recognize as mine. The contract that they provided shows that it was signed XX/XX/2023 with a signature that is not mine. I do not have record of a this. 

With all of the inconsistencies regarding this alleged agreement, it is evident that it is an invalid contract/agreement. 

The contract they provided to me says XXXX at XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX is the creditor and XXXX is the payment processor for the creditor. 
Here is a direct statement on the contract they provided to me : " Relationship of Parties : Buyer acknowledges and agrees that XXXX is NOT a lender but rather the payment processing service provider of " Provider '' and lists XXXX as the " Provider '' in the previous paragraph. 

In short, XXXX is merely a platform for payment. Its only the creditor who can pursue collections. The creditor is explicitly stated to be XXXX in the contract and since they no longer exist neither does the debt/obligation you are referencing. Even if they did still exist, they violated the terms of the contract which would make it null and void. 

I asked them to please cease all communication with me and note on their records that I dispute any responsibility for this debt. I also requested that if you are reporting this information to a credit bureau or have already reported it, report that I am disputing this debt. 

I have not heard back from them at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: Open Dealer Exchange, LLC
State: IN

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report I am a victim of identity theft, and did not make the charge. I asked that the items be deleted to correct my credit report.. I reported the theft of my identity to the federal trade commission, and I also have enclosed copies of the federal trade commission, identity theft, affidavit. Please delete the items as soon as possible.. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: NM

Complaint narrative:
I have tried to rectify this with XXXX XXXX as well as the credit bureaus numerous times and all companies have completely ignored my complaints. 
I have a charge off on my credit report : EMVLP LLC/FIS - XXXX claiming {$11000.00} dollars owed when the car was turned in back at the start of COVID. The reason was the car continued to have problems where I was having to take it back to get fixed. Eventually, within 1 year of purchasing the car, the engine seized up and XXXX took the car. I have tried contacting them several times as well as the XXXX XXXX in XXXX XXXX which was where the car was purchased in reference to this. After reading up on XXXX laws, and debt collection laws here in California, what I found out is they resell the car and are supposed to apply the resale amount to your original loan, dropping the balance on the file. I have disputed this information several times with the Credit Bureaus on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
The Credit Bureaus investigated with EMVLP with my inquisition of the wrong dollar amount and they came back that the information was accurate. From further reading the FCRA, if an item is deemed inaccurate/non verifiable it must be removed from the Credit Bureaus within 30 days. 
I am concerned that the bureaus did not even investigate the information, same with EMVLP not crediting the proper amount to the loan.

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 2024-02-15 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: NM

Complaint narrative:
I have tried to rectify this with XXXX XXXX as well as the credit bureaus numerous times and all companies have completely ignored my complaints. 
I have a charge off on my credit report : EMVLP LLC/FIS - XXXX claiming {$11000.00} dollars owed when the car was turned in back at the start of COVID. The reason was the car continued to have problems where I was having to take it back to get fixed. Eventually, within 1 year of purchasing the car, the engine seized up and XXXX took the car. I have tried contacting them several times as well as the XXXX XXXX in XXXX XXXX which was where the car was purchased in reference to this. After reading up on XXXX laws, and debt collection laws here in California, what I found out is they resell the car and are supposed to apply the resale amount to your original loan, dropping the balance on the file. I have disputed this information several times with the Credit Bureaus on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
The Credit Bureaus investigated with EMVLP with my inquisition of the wrong dollar amount and they came back that the information was accurate. From further reading the FCRA, if an item is deemed inaccurate/non verifiable it must be removed from the Credit Bureaus within 30 days. 
I am concerned that the bureaus did not even investigate the information, same with EMVLP not crediting the proper amount to the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: NM

Complaint narrative:
I have tried to rectify this with XXXX XXXX as well as the credit bureaus numerous times and all companies have completely ignored my complaints. 
I have a charge off on my credit report : EMVLP LLC/FIS - XXXX claiming {$11000.00} dollars owed when the car was turned in back at the start of COVID. The reason was the car continued to have problems where I was having to take it back to get fixed. Eventually, within 1 year of purchasing the car, the engine seized up and XXXX took the car. I have tried contacting them several times as well as the XXXX XXXX in XXXX XXXX which was where the car was purchased in reference to this. After reading up on XXXX laws, and debt collection laws here in California, what I found out is they resell the car and are supposed to apply the resale amount to your original loan, dropping the balance on the file. I have disputed this information several times with the Credit Bureaus on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
The Credit Bureaus investigated with EMVLP with my inquisition of the wrong dollar amount and they came back that the information was accurate. From further reading the FCRA, if an item is deemed inaccurate/non verifiable it must be removed from the Credit Bureaus within 30 days. 
I am concerned that the bureaus did not even investigate the information, same with EMVLP not crediting the proper amount to the loan.

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 2024-02-15 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: PA

Complaint narrative:
I am writing to follow up on my previous communications regarding the unverified negative account on my credit report. Despite my repeated requests for deletion and your assurance of an investigation, I have not received any verification or confirmation of the accuracy of this item.

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 2024-02-15 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: DC

Complaint narrative:
I wrote to you requesting an investigation into items that I believed were falsely reporting. 
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting.

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 2024-02-15 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: NV

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 response to consumer: Closed with non-monetary relief