vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-18 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: NY

Complaint narrative:
This account was charged off on XX/XX/XXXX, Since then the account has been updated as charged off every month. This is an update in the payment history. A charged of account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account XXXX XXXX XXXX XX/XX/XXXX {$0.00} Closed Overview Youre currently using 0 % of your account 's limit. 
Balance : {$0.00} Credit limit : {$500.00} Account details Account Number XXXX Account Status Charge Off Open Date XX/XX/XXXXXXXX   Last Activity XX/XX/XXXXXXXX  Type Credit Card Responsibility Individual Remarks Purchased By Another XXXX XXXX 30/60/90 Days Late XXXX Month 's Reviewed XXXX Term Source Type High Balance {$690.00} High Credit {$500.00} Monthly Payment {$0.00} Current Payment Status Collection/Chargeoff Amount Past Due Payment history No history is available Creditor information XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} Closed Overview Youre currently using 0 % of your account 's limit. 
Balance : {$0.00} Credit limit : {$500.00} Account details Account Number XXXX Account Status Charge Off Open Date XX/XX/XXXXXXXX  Last Activity XX/XX/XXXX Type Credit Card Responsibility Individual Remarks Charged Off Account Times XX/XX/XXXX Days Late XXXX Month 's Reviewed XXXX Term Source Type High Balance High Credit {$500.00} Monthly Payment {$0.00} Current Payment Status Collection/Chargeoff Amount Past Due Payment history Youve made 86 % of payments for this account on time. 
XX/XX/XXXX {$0.00} Closed Overview Youre currently using 0 % of your account 's limit. 
Balance : {$0.00} Credit limit : {$500.00} Account details Account Number XXXX Account Status Charge Off Open Date XX/XX/XXXX Last Activity XX/XX/XXXX Type Credit Card Responsibility Individual Remarks Unpaid Balance Reported As A Loss By XXXX XXXX, Transferred To Another Lender Times 30/60/90 Days Late XXXX Month 's Reviewed XXXX Term Source Type High Balance High Credit {$500.00} Monthly Payment {$0.00} Current Payment Status Collection/Chargeo XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners
State: AZ

Complaint narrative:
I've been getting contacted for 7 years about medical debt. I've paid over {$4000.00} to debt collectors and as soon as one is paid another gets reported to my credit report. I have proof I've paid debts for services on specific dates and I keep getting calls with debt collectors using coercive and intimidating language to get me to continue to pay in a never ending cycle of debt collection. This is shady, illegal, and unfair. I don't deserve to get called during work and berated over questionable debts on medical services from many years ago. They should have all had plenty of time to surface and get paid. I've concluded they're invalid and are taking advantage of me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. In addition to that, the accounts shown in the report show very clear inaccuracies and therefore I formally request that they be eliminated.

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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BOK FINANCIAL CORP
State: OK

Complaint narrative:
My mortgage was sold/transferred to BOK Financial on XX/XX/XXXX. I called BOK Financial on XX/XX/XXXX @ XXXX and spoke with someone named " XXXX XXXX. I told him as of today my mortgage is not showing on XXXX, XXXX or XXXX and I needed to know why it wasn't showing up. He said he could help with that and then he hung up. He did not call back. I called back at XXXX on XX/XX/XXXX. I did not get the lady 's name. She said the mortgage was not showing on the 3 credit bureaus because BOK Financial got the mortgage on XX/XX/XXXX and had a 60 day grace period to report. This means the grace period ended on XX/XX/XXXX and the reporting would start XX/XX/XXXX. I have had 5 mortgages in the past, 3 have been sold to other companies and they all reported to the credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I reviewed my credit report and identified inaccuracies with several accounts : XXXX XXXX XXXX ( Account Number : XXXX ), XXXX XXXX XXXX XXXX ( Account Number : XXXX ), and XXXX XXXX ( Account Number : XXXX ). I disputed these accounts, but despite updates and verification, the information remains inaccurate. I requested detailed documentation of how these accounts were verified, but did not receive sufficient evidence. These inaccuracies have resulted in a lowered credit score and have negatively impacted my ability to secure credit. Under 15 U.S.C. 1681e ( b ), they are required to ensure maximum possible accuracy, which has not been met.

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 2024-09-18 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Dates from XXXX current. I have had my information compromised by Target Credit Card Services. Target Stores, Target leasing,. I have been XXXX, robbed and used for others to secure. I have also been XXXX, with no assistance. Booted out of my place of living.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Meridian Financial Services, Inc.
State: NJ

Complaint narrative:
I have a timeshare with XXXX XXXX XXXX. My then wife and I moved away as we sold our home. We spoke with someone over the phone regarding our situation as we were seeking to either re-deed or sell the time share as we were going through a divorce also to advise of our new address. The address was never updated and the Maintenace fee 's for said property were being billed to our old address. Neither of us received one phone call or email regarding this bill. The bill was then sent to collections and i identified a new account on my credit report. I reached out to satisfy the debt however, I still have a collection item on my credit report but marked as paid. XXXX XXXX XXXX XXXX XXXX  made zero effort to contact either of us to remedy the situation. Also, we changed our address which was never updated. Now my credit has been severely impacted because of their negligence and lack of a reasonable attempt to collect a debt prior to sending it to a collection agency,

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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: TN

Complaint narrative:
I disagree with the account listed below which still appears on my credit report even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX  Account XXXX. In accordance with The Fair Credit Reporting Act, Public Law 91-506, TitleVI, section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2024-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I received a call from XXXX XXXX claiming to be with the XXXX XXXX XXXX XXXX XXXX regarding an unsuccessful attempt to serve my daughter a summons for civil court. She asked that I pass a message along to my XXXX  with the following information. She was to contact XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX at ( XXXX ) XXXX to reschedule the civil court summons delivery. Due to the fact that in XXXX XXXX, FL our sheriff 's office serves all court summons, I asked for further information which she would not give me. I passed the information along to my XXXX. She did make the call and found out that it was a credit card company ( Commenity ) that was attempting to collect a debt they claim she owes from 2013. They explained that she would either pay in full or be sued and she had 24 hours to decide. The issue I have is when I called XXXX XXXX back, I got a recording to call the XXXX number. I hung up and called that number. The woman that answered asked for the case number I was calling about. I asked to speak with XXXX XXXX or XXXX XXXX. I was immediately hung up on and they blocked my number from being able to call them again. I asked my XXXX  to call ( while I was on the phone ) the woman answered and asked for the case number. I again asked to speak with XXXX XXXX or XXXX XXXX. We were put on a permanent hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: NV

Complaint narrative:
This credit reporting agency is reporting inaccurate information. I am a victim of Identity theft and have reported this to the bureaus sent in the documentation and nothing has happened to resolve this matter. I have attached the identity theft report with misinformation and accounts opened fraudulently.

According to the FCRA, Information shall not be furnished without my written consent. No one has my written consent to furnish inaccuracies that result in negative items being added to my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: OR

Complaint narrative:
They call me multiple times a day/week. Its only Wednesday morning and Ive already been called 8 times since Monday. I already told them at the beginning of this month I cant pay because Im on medical leave and will be filling out paper work for them. 
Monday XX/XX/24 called once at XXXX. 
Tuesday XX/XX/24 called 6 times from two different numbers XXXX, XXXX, XXXX, twice at XXXX, and XXXX. 
Today Wednesday XX/XX/24 once so far at XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: AZ

Complaint narrative:
Transunion is reporting inaccurate personal information on my credit report file. I have sent out multiple letters to correct this. Date of letter XXXX. I have also sent proof of correct address. I only have XXXX current address and never lived at any other address listed. CFPB please help me fix this problem.

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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Absolute Resolutions Corp.
State: MA

Complaint narrative:
Absolute Resolution XXXX XXXX XXXX XXXX XXXX XXXX INVESTMENTS, XXXX, MN XXXX has been reporting false information on my report. The Fair Credit Reporting Act ( FCRA ), specifically 15USC 1681i, I am entitled to dispute inaccurate information on my credit report and request that it be corrected. Additionally, 15 USC 1666b requires that creditors and information furnishers ensure the accuracy and completeness of the information they provide to credit reporting agencies. I do not know the address for which they have attached to my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AR, XXXX XXXX XXXX XX/XX/XXXX Charge-off Dispute for Account XXXX I am writing to formally dispute the charge-off status of my account, XXXX XXXX  which is currently listed on my credit report. I believe this entry is inaccurate and would like to request a thorough investigation into this matter. Details of the Account : - Account Holder Name : XXXX - Account XXXX - Creditor Name : XXXX  Date of Charge-off : XX/XX/XXXX- I request that you verify the accuracy of this charge-off with the creditor. If you find that the information is inaccurate, I ask that you correct or remove this entry from my credit report as required under the Fair Credit Reporting Act. I appreciate your prompt attention to this matter and look forward to your response within the 30-day investigation period as stipulated by the Fair Credit Reporting Act. Thank you for your assistance. Sincerely, 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 2024-09-18 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AR, XXXX XXXX XXXX XX/XX/XXXX Charge-off Dispute for Account XXXX I am writing to formally dispute the charge-off status of my account, XXXX XXXX  which is currently listed on my credit report. I believe this entry is inaccurate and would like to request a thorough investigation into this matter. Details of the Account : - Account Holder Name : XXXX - Account XXXX - Creditor Name : XXXX  Date of Charge-off : XX/XX/XXXX- I request that you verify the accuracy of this charge-off with the creditor. If you find that the information is inaccurate, I ask that you correct or remove this entry from my credit report as required under the Fair Credit Reporting Act. I appreciate your prompt attention to this matter and look forward to your response within the 30-day investigation period as stipulated by the Fair Credit Reporting Act. Thank you for your assistance. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: FL

Complaint narrative:
I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.

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 2024-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: ID

Complaint narrative:
My student loans were with XXXX XXXX and then XXXX  when they were federal. I had to fight Navient every year as their income based repayment program kept demanding that my payment be increased each year. At one point they were trying to take half or more of my take home pay. I couldnt pay my bills if they did that. Out of desperation I refinanced with XXXX to control my payments as XXXX  was not trustworthy. Because of that I have lost all of my time working in public service ( 6 years ) and am no longer eligible for public service student loan forgiveness nor was I eligible when the government forgave student loans. I feel that my loans were mishandled imposing a financial strain on me and will continue to do so for almost 20 more years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized account/s and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: GA

Complaint narrative:
To Whom It May Concern, This letter serves as my formal and final notice to immediately remove or update the inaccurate, outdated, or unverifiable accounts currently appearing on my credit report. I have reason to believe that these accounts have either been reported erroneously or contain errors in their status, and they must be updated or removed within 48 hours to reflect a paid in full status with no late payments. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), all information on my credit report must be 100 % accurate, verifiable, and timely. After conducting a thorough review, I believe that these accounts fail to meet the required standards, and as such, I am demanding immediate action. 

If these accounts can not be fully verified or updated to reflect paid in full with no late payments within two ( 2 ) business days, I will take the following actions : 1. Seek legal action, including filing a lawsuit for damages for failure to comply with the law.

2. Contact all necessary legal authorities, including the Attorney General, to report the mishandling of my personal information and any potential violations of consumer rights. 

I have attached all supporting documentation, including payment records, communications from creditors, and any relevant account statements, proving that these accounts are either inaccurate or can not be verified. 

Failure to comply with this demand within 48 hours will result in immediate escalation through all legal channels available to me. Additionally, this letter serves as a formal notice to preserve all records related to this matter for potential litigation. I expect a prompt response and full compliance within the stated timeline. 

Sincerely, 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