vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-28 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:
I am writing to file a complaint regarding inaccurate reporting by the credit bureaus, specifically XXXX, TRANSUNION, and XXXX. The issue stems from the inclusion of more than several accounts on my consumer reports that have surpassed the statute of limitations for debt collection in Arkansas, which is set at 5 years and for medical debt it is 3 years. Each account that will be uploaded to this portal has reported charge offs for more than 5 years straight. Some 6 years. Despite the expiration of the statute of limitations, these accounts are still being reported, misrepresenting my creditworthiness and violating the Fair Credit Reporting Act ( FCRA ). This inaccurate reporting has the potential to harm my financial standing and is a clear violation of consumer rights. I request the Consumer Financial Protection Bureau 's intervention to address this matter promptly. I urge you to investigate this issue and ensure that the credit bureaus comply with federal regulations by removing the inaccurate accounts from my credit report. Thank you for your attention to this matter. I look forward to a resolution that restores the accuracy and integrity of 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 non-monetary relief
Consumer complaint received 2024-04-28 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:
I am writing to file a complaint regarding inaccurate reporting by the credit bureaus, specifically XXXX, XXXX, and EQUIFAX. The issue stems from the inclusion of more than several accounts on my consumer reports that have surpassed the statute of limitations for debt collection in Arkansas, which is set at 5 years and for medical debt it is 3 years. Each account that will be uploaded to this portal has reported charge offs for more than 5 years straight. Some 6 years. Despite the expiration of the statute of limitations, these accounts are still being reported, misrepresenting my creditworthiness and violating the Fair Credit Reporting Act ( FCRA ). This inaccurate reporting has the potential to harm my financial standing and is a clear violation of consumer rights. I request the Consumer Financial Protection Bureau 's intervention to address this matter promptly. I urge you to investigate this issue and ensure that the credit bureaus comply with federal regulations by removing the inaccurate accounts from my credit report. Thank you for your attention to this matter. I look forward to a resolution that restores the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC
State: OH

Complaint narrative:
I request for the information detailed in the letter attached to be provided or have the account remove from my credit profile permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
Requested proof 3x 's to verify this debt belongs to me with no reply

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Requested proof that this debt belongs to me 3x 's with no reply

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Glasser and Glasser, PLC
State: VA

Complaint narrative:
Glasser and Glasser P.L.C. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. Took over the collection of my remaining debts from the precious collector. 
XXXX XXXX, XXXX, XXXX XXXX XXXX, PA that ended on XXXX XXXX since XX/XX/XXXX I agreed to make a monthly payment of {$70.00} until is paid in full. My last statement from XXXX dated XXXX XXXX the total balance was {$2200.00}. My XXXX payment was sent to Glasser and Glasser which is included in the payment summary. The payment for XX/XX/XXXX is missing that they do not acknowledge. Furthermore my first 2 payments in XXXX the month of XXXX and XX/XX/XXXX are missing in the payment summary even after a several phone calls to their office, I had spoken to XXXX 2 or 3 times then to another male representative who give me the email address to send my evidence to my payments and disputes I have done it twice, they ignored me and keep sending me a summary print of my payments with these 3 missing payment is not on the list. I sent a registers mail a month ago with evidences of my payments and mention that my last payment of XXXX will be in XXXX. I will stop giving them money after that. They are not the lawyer that I agreed to in my payment negotiated amount. I never get a statement from Glasser and Glasser every month that I made a payment to them online. But with the previous and the original collector XXXX sent me a monthly statement. Glasser and Glasser are trying to extract more money from me that I do not owe. They claimed in a letter that I got last week from XXXX XXXX stated according to XXXX the credit card provider that I owe more money. I called XXXX base on my SS # I do not have any balance and I do not have any payment due. My payment agreement settlement was with XXXX  never with Glasser and Glasser. I will stand on my ground and agree to the balance I got in my last statement from XXXX dated XXXX XXXX that should be paid in full in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
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 have always paid on time, of that I am sure. However, I'm uncertain why this company is reporting me as late in certain months, which should not be the case. As per USC 1666b, any billing errors should be corrected, or they will owe me {$1000.00} for each account reporting inaccurately.

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 2024-04-28 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: IN

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. 

Account name : # 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 US Sept. of Education  has violated my rights. 

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 an 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, other than records of convictions of crimes which antedates the report 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 non-monetary relief
Consumer complaint received 2024-04-28 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: IN

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. 

Account name : # 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, US Sept. of Education has violated my rights. 

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 an 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, other than records of convictions of crimes which antedates the report 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
Consumer complaint received 2024-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On the month of XXXX a charge card of the name synchrony bank was Open in my name without my consent or my knowledge. this account has been reported fraudulent to the creditor, which theyve failed to update the information. I have asked for this account to be updated because it is tarnishing my reputation in my credit worthiness as it also is reporting negative information to my consumer 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 non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have always paid on time, of that I am sure. However, I'm uncertain why this company is reporting me as late in certain months, which should not be the case. As per USC 1666b, any billing errors should be corrected, or they will owe me {$1000.00} for each account reporting inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 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: T.S. Holdings
State: TX

Complaint narrative:
In accordance with the fair credit reporting act, this creditor IQ Data- account # XXXX has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Recently XXXX different agencies have lowered my credit limit based on arbitrary reasons. On my Verizon card, XXXX of their reasons is that I had not paid down a sufficient amount on my mortgage. Not sure how that has anything to do with them since I make my mortgage payments on time and, up until last XXXX, was a month ahead on my payments. XXXX XXXX XXXXXXXX just lowered my limit and lowered it below what is owed on the card. I use this card when I have to make repairs on my home so it seems to always carry a high balance. I'm sure I'm not the only person this happens to. If I close a card my credit takes a hit. If they close a card my credit takes a hit. They lower my limit and my credit takes a hit. They shouldn't be able to take any actions unless a customer is not making payments on time or missing a lot of payments and if they continually go over their limit.

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 2024-04-28 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: FL

Complaint narrative:
FCRA 605B necessitates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each inaccurately reported item on my credit file.

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 2024-04-28 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: FL

Complaint narrative:
FCRA 605B necessitates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each inaccurately reported item on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: PA

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
XX/XX/XXXX I began XXXX XXXX in XXXX and have spent over XXXX years now working in XXXX XXXX and as a participant in the XXXX XXXX XXXX XXXX XXXX. I have worked for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Over the past XXXX  years, I have diligently submitted employer certifications and have surpassed the XXXX payments required for the XXXX XXXX XXXX XXXX XXXX. I have struggled with Mohela and the Department of Education for the payments to be counted accurately. There is no question that I have made the XXXX payments or that I have submitted all of the required documentation. I have filed several complaints with the Consumer Financial Protection Bureau about this same issue. 

The most recent correspondence from Mohela shows I have XXXX remaining payments when my employer and I just submitted the final certification to show that I am actually in overpayment now. Mohela continues to collect money from me and not forgive my loans or show that I have made more than the required XXXX payments. 

It is simply unfair and un-American for someone like me to have worked so hard, experienced such incredible hardship and stress to be denied the freedom to have my loans forgiven. 

Regards, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Requested XXXX 's to verify this debt belongs to me with no reply

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 2024-04-28 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: MI

Complaint narrative:
on XXXX | sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.|

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 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: MI

Complaint narrative:
on XXXX | sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.|

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 2024-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
on XXXX | sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.|

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 2024-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Requested 3x 's to verify this debt belongs to me with no reply

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: FL

Complaint narrative:
CFPB OUR COMPLAINT : Equifax, XXXX, and XXXX have persistently misrepresented the records for the adverse debt collection account belonging to the principal, XXXX XXXX XXXX. The account transactions constitute income, as evidenced by the XXXX received from Equifax, XXXX, and XXXX attached to this complaint. Despite attempts to rectify this with Equifax, XXXX, and XXXX, the agencies have disregarded the principal 's rights and persist in reporting inaccurate information without the principal 's consent. This has resulted in erroneous credit scores and denials of credit applications for the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: LA

Complaint narrative:
This company is saying that I owe them {$650.00}. I have never applied here, I have never lived in this place I have no idea why this debt is on my credit report. I have tried to dispute with no luck. This is NOT my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Got an email from XXXX that said my chase card is blocked. Further investigation into the email showed it spelled as chass and Chas, it was very obviously fake.

Company response to consumer: Closed with explanation