vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Federal Trade Commission XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute Letter Regarding Equifax Violations and Non-Compliance Dear Sir/Madam, I am writing to formally dispute the practices of Equifax and report multiple violations concerning their non-compliance with the Fair Credit Reporting Act ( FCRA ). I believe that their actions may constitute fraudulent behavior, and I urge the FTC to investigate these practices.

1. **FCRA Violations** : Under the FCRA ( 15 USC 1681 ), consumer reporting agencies ( CRAs ) are mandated to ensure the maximum possible accuracy of the information they report. Negligent non-compliance with these requirements can lead to civil liabilities, including damages and attorney fees. Equifax has repeatedly failed to uphold these standards, resulting in inaccuracies that adversely affect consumers. 

2. **Fraud vs. Inaccuracy** : Fraud involves intentional deception for personal or financial gain, necessitating evidence of deliberate intent. However, inaccurate reporting may stem from willful non-compliance with established regulations. Equifax 's failure to correct inaccuracies within consumer reports raises concerns regarding their intent and adherence to the law. 

3. **Liability for Non-Compliance** : - When a credit bureau knowingly provides false information or actively avoids correcting inaccuracies for financial or malicious purposes, this aligns with fraudulent behavior. 
- For example, if Equifax ignores verified disputes while continuing to sell inaccurate reports to creditors, this could represent intent to deceive creditors and harm consumers. 
- A violation is considered egregious when it contradicts authoritative guidance from relevant agencies. It may also be deemed reckless conduct if the credit reporting agency knew or should have known they were violating the FCRA. 

Given these points, I kindly request that the FTC investigate Equifax 's practices and take appropriate action to ensure compliance with the FCRA. The protection of consumers is paramount, and it is crucial that credit reporting agencies uphold their legal obligations. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Capital one closed all accounts in my name in XXXX XXXX XXXX with XXXX explanation other then frivolously accusing me of attempted fraud. With XXXX evidence. 

Upon them closing my accounts I paid all balances in full. They are now reporting to the credit bureaus that I still owe balances on these accounts even though this is untrue. They also owe me money back for over payment and are refusing to release the refund to me directly. I have audio recordings of all conversations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MOHELA
State: PA

Complaint narrative:
Mohela calls every hour regarding debt collection. This is against the law. They call every hour on the hour and will not stop. This company should be banned. It abuses every consumer rule there is and I can not believe it is allowed to get away with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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:
Im information was involved in a data breach that goes back to XXXX  till now and all of the things on my credit report is fraud and under consumer law 605b this information is supposed to be removed from my credit report in 4 days

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: TX

Complaint narrative:
Im information was involved in a data breach that goes back to XXXX  till now and all of the things on my credit report is fraud and under consumer law 605b this information is supposed to be removed from my credit report in 4 days

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 2024-12-31 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:
This account was not opened by me and I did not give authority for it to be opened. I was a victim of the XXXX data breach and my personal information was compromised. Ive submitted a theft report containing this information to the credit bureaus and the company reporting to the 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 2024-12-31 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:
Identity theft plain and simple i live in a home i purchased over XXXX yrs ago no need for any apartments i went to this location XXXX XXXX and they didn't recognize me they said that they have never seen me before

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: NJ

Complaint narrative:
Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
Item ( s ) resulting from XXXX  that should be blocked : XXXX : XXXXXXXX XXXX XXXX  XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX Please Contact Via Mail Enclosures : A self-attestation & Proof of Identity XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Back in 2009 I bought a used car from the auction but knowing it was a bad buy. I told the back then that the car was not good and they still forced me to pay. It the was charged because I was fired from work not being able to drive. I was deleted from my credit but the bank still holds me responsible after they wrote it off. They never sent me a 1099C so I can write it off on my taxes. I can't use my account because any monies I put in, they put towards the balance of the car, which, was XXXX  so far. I didn't know they have something called a promise pay and I did a direct deposit and my first check from a job that I started after 4 years. I went to the bank pleading letting them know I need that money to pay my rent or it's going to cause a ripple effect and I will get evicted. They proceeded to say they can't help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: NJ

Complaint narrative:
Company was sent certified documents to start the dispute process including my passport, bank statement and copy of my social security number on XX/XX/year> to initiate dispute process. Company subsequently emailed to advise that identification had not been including to continue dispute ( despite copies attached ). However they updated the credit profile indicating dispute was completed with Confirmation # XXXX. Despite update they was no information on outcome and no link/documents to show decision or proof. File later updated to indicate on XX/XX/year> that dispute was submitted and based on confirmation # XXXX it was completed on XX/XX/year> but again with no description of outcome, link, documents or concise information. I called today, XX/XX/year> and was advised by XXXX that the website has been experiencing technical difficulties which was the explanation for not being able to view updates. During the call rep offered conflicting and confusing information and encouraged me to send in documents to start my process over from date the documents were received despite my previous efforts as well as certified documents. The company 's suggestion, handling, misleading, and incomplete information will cause my resolution to be delayed beyond the 30 day time frame through no fault of my own. Dealing with time sensitive issue and relying on accuracy and precision. Please assist

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OLIPHANT FINANCIAL, LLC
State: KS

Complaint narrative:
I was contacted by phone and advised of this collection. I gathered information from the agent and emailer my police report and FTC report advising Oliphant this was not my account and I had been a victim of identity theft. I was told that was all I needed to provide to close account and they are now reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian removed the the fraudulent accounts from my credit report upon my request but they didnt update my credit file & then reopened the investigation making me start the dispute process all over again this is civil non-compliance & civil negligence these are when companies choose to violate your rights & when your telling them hey this information is inaccurate & unverifiable & their choosing to tell you its accurate. 15 usc 1681o I will initiate arbitration

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 2024-12-31 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be 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 2024-12-31 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: PA

Complaint narrative:
Equifax Consumer Services XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Blocking and Deletion of Accounts due to Data Breach ( 15 USC 1681c-2 ( a ) ) Dear Equifax, I am writing to inform you that I am a victim of the recent data breach that occurred in your systems. As a result, I am requesting that all accounts associated with my personal information that were compromised or are a result of fraudulent activity be blocked and deleted, pursuant to 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act.

Under the provisions of this law, I understand that you are required to block any information related to accounts that were the result of identity theft or fraudulent activity, as well as any accounts that do not belong to me. I request that all such accounts be blocked and deleted from my credit file immediately. 

Please send me written confirmation that the accounts associated with the data breach have been blocked and deleted from your records, along with any other necessary steps to ensure that my credit report reflects accurate information moving forward. 

For your reference, I have attached copies of my identification, along with any relevant documents or information to assist you in identifying my case. If you need any further information or clarification, please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Thank you for your prompt attention to this matter. I look forward to your immediate action and confirmation of the deletion of these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XX/XX/XXXX, I requested Capital One Bank to stop sending unsolicited credit card offers ; however, I am still receiving these offers after repeated requests to cancel/stop. The latest offer I have received was XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in the fact therefore exist. ( please remove this account before I seek Litigation for defamation of character ) 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 non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland credit on behalf of XXXX claims I owe them {$2700.00} XXXX which is ridiculous. and now it's on my credit. This is not my charge and it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
XXXX credit on behalf of PayPal claims I owe them {$2700.00} XXXX which is ridiculous. and now it's on my credit. This is not my charge and it needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Time Investment Corporation
State: GA

Complaint narrative:
My bank account was compromised and it was frozen on XXXX I called time finance on XX/XX/XXXX when my payment was due to explain the situation and that I wasn't trying to not pay the loan.. all the employees and the manager XXXX were extremely HOSTILE and RUDE and hung up on me multiple times. I wanted to see if I could make a double payment the next month. The manager XXXX XXXX  response was she was going to sue me and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
For the past 2 years I have had a financial hardship due to loss of income and a family emergency that happened. When I first missed a payment I requested help from Shellpoint mortgage. I was told they will not help me unless I am 2 months behind on my mortgage. So I went a whole year making my payments but still being 30 days behind because I dont have the extra money to cover the missed payment. In the 2nd year, I missed a XXXX payment and submitted for loss mitigation for a forbearance of 3 months so that I may get caught up on my payments since i can still make regular payments, I just cant cover the previous due. They still denied me for help. I sent in proof of my pension and VA XXXX income and they still denied me. They said I have NO options available at this time and to try again in 30 days. I did that and was still denied! This company lies to consumers about mortgage assistance and refuses to actually help you. Even when I did have a little extra to put towards the past due balance, they just held the extra as an unapplied balance instead of placing it towards the past due balance. When I called to ask why, I was told they dont do that, and any unapplied balance at the end of the month just goes towards the principal interest. This company is a mortgage loan shark that doesnt care about there customers. They just want your money or your house. They lie to the consumers with the loss mitigation advertising when you fall behind on payments, only to deny you and tell you theres nothing they can do. I feel like they just want to get the guarantee money from my VA loan by forcing my home to go straight into foreclosure. This company needs to be investigated about their loss mitigation practices and see how they are reviewing this process and be more upfront about their practices. I dont know who I need to call to blow the whistle on this company, but I am noticing they are taking a page out of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And if so, us consumers need to raise the flag and report them like they did those banks. It makes no since to offer loss mitigation just to deny people and watch them lose their homes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I noticed on XXXX XXXX, XXXX, Equifax that my credit history is under 2years old but have an account that is older than 3 and I have had a much longer history than is being stated

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
All the responses that the mortgage company gave to the CFPB was false. These things need to be looked into and addressed properly. The false statements made to me by the company is in bad faith willing and with intent.

1. Address an answer these questions I've had previously pertaining to this matter.

2. Is the company still standing on the fact that the company didn't do any wrongdoing by omitting the information I asked about? 

3. Will the company resolve this issue legally and lawfully? 

4. The account in question, I have not had access to for over 8 months now because of it being in litigation status to date. Of XX/XX/2024. Will I still be able to use the VA Act for this incident thatvwas not caused by me? 

5. Will all staff that gave false statements and misleading information be retrained or terminated?

6. How can they company lawyer state in open court on documents that they did nothing wrong if this letter and transcript exist, when they have had knowledge of this for before I did. 

7. Is my home in foreclosure status if so when did it gain that status?

8. Does the company Acknowledge that I still say I don't owe the debt? 

9. Will the company Acknowledge the special endorsement that was received by XXXX XXXX? 

10. Will the company like to resolve this issue outside of court. 

11. By company bylaws is this a violation of any law, acts, or regulations to date? 

12. Will there be some higher-level personnel to address this issue? 

13. Will the perjury committed in court be address? I can prove the documents if need be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation