vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-17 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: FL

Complaint narrative:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and 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 2024-02-17 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: FL

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.

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 2024-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One has an incorrect balance for my account and is reporting incorrectly on my credit report. I have sent 40+ emails over the last 1-2 years and they do not ever respond or give me an email to speak to someone because they give me incorrect information over the phone so I only want to communicate through email

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DriveTime
State: MS

Complaint narrative:
XXXX/Drivetime is reporting inaccurate information on my credit report. As per the Simple Interest Retail Installment Contract ( page 2 of 5 ), the security interest secures payments of all amounts I owe in the contract and performance of my OTHER agreements in the contract. XXXX collected a security interest, therefore the balance is {$0.00}. Although, I know I will file grievances with other agencies regarding the deception of the contract, the forgery ( electronic signature ), and the securities fraud, I want it on record in this complaint filed with the CFPB that XXXX/Drivetime practices in deception and fraud, robbing consumers. Also on the contract it states the amount of credit provided to me on my behalf, I am the creditor. I was not informed that I was entering a contract to be charged a finance charge for my own credit. No attorney was present to explain the legalese. document attached

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I opened an installment loan with XXXX XXXX. On XX/XX/XXXX XXXX company pulled a hard inquiry of my credit report. I did not authorize this hard inquiry.

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 2024-02-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
In accordance with the fair credit XXXX XXXX XXXX # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card. account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Formal Complaint Against [ Midland Credit Management ] To Whom It May Concern, I am writing to file a formal complaint against [ Midland Credit Management ] for their unlawful and unethical debt collection practices, which have violated several provisions of the Consumer Financial Protection Bureau ( CFPB ) regulations and the Fair Credit Reporting Act ( FCRA ). Despite numerous attempts to resolve this matter amicably, [ Midland Credit Management ] has persistently ignored my rights as a consumer and engaged in deceitful and misleading behavior. 
First and foremost, [ Midland Credit Management ] has failed to provide proper validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) and 15 USC 1681-S 2 ( 7 ) ( A ). I have repeatedly requested validation of the alleged debt, including any purchase agreement or forward flow agreement, but have received no satisfactory response. Without such documentation, I am unable to verify the legitimacy of the debt being pursued. 
Moreover, [ Midland Credit Management ] has engaged in false, misleading, and deceptive practices, as outlined in 15 USC 1681-S 2 ( 7 ) ( A ). Their actions have not only damaged my financial standing but have also caused significant defamation of my character. Despite my repeated requests for clarification and dispute of the debt, [ Midland Credit Management ] has failed to provide me with the opportunity to challenge the validity of the alleged debt, as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
Furthermore, I would like to emphasize that I do not have any contractual agreement with [ Midland Credit Management ] that would justify their pursuit of this debt. As such, their continued efforts to collect without providing proper validation information are both unlawful and unwarranted. Additionally, [ Midland Credit Management ] has unlawfully furnished information about this disputed account to consumer reporting agencies without providing the necessary disclosures, further violating federal law. 
Considering the above violations, I urge the Consumer Financial Protection Bureau to thoroughly investigate [ Midland Credit Management ] 's actions and take appropriate enforcement action. I request that [ Midland Credit Management ] be held accountable for their unlawful debt collection practices and that all negative information related to this disputed debt be promptly removed from my credit report. 
Thank you for your attention to this matter. I trust that the CFPB will take swift and decisive action to ensure that consumers are protected from abusive debt collection practices. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
they had no written documents of ID or anything, this was Identity theft. It was taken off my report XXXX times and put back on every time the debt was sold. This is not my account. Also was living out of the country for over XXXX yrs I have my passport to prove I did not even have a United States address. 

Then the company put on my credit report that its a collection and I agree! I do not agree it was Identity theft and im suffering every time. they put it on and off. I even had to even give a police report. 

please remove this off my XXXX report the

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: IL

Complaint narrative:
My name is XXXX XXXX, and I am XXXX XXXX 's POA. She can no longer handle her affairs due to early onset XXXX. In XX/XX/2023, I had to move her out of XXXX  to XXXX due to my mother who was caring for her was diagnosed with stage XXXX XXXX XXXX. 

Today I received a collection notice in the mail that the account is delinquent {$12.00}. After speaking with representative, she informed me the account has been past due since XXXX due to a $ XXXX monthly fee. I asked for the fees to be waived since the account has not been used and asked that credit history be updated. I was advised that the fee is per the terms and she could not waive them. 

My mom is no longer able to help with XXXX 's finances and I was not aware of the bill since a statement was not mailed. It appears the notification were going to an email I did not have access to. No collection notices were received either until after almost XXXX months for them to update the account information as they continued to reject the POA that was provided. 

I understand the importance of fair lending and treating people equally, but it does not seem right for my sister to penalized over monthly fees and to have it negatively impact her credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: CA

Complaint narrative:
I had saw an ad on my phone for XXXX XXXX XXXX XXXX XXXX XXXX tour merchandise and had thought that they were a legitimate website XXXX XXXX XXXX XXXX XXXX. I used XXXX to help pay for my order in XXXX installments. I paid the full XXXX installments but upon receiving the item I realized that they were counterfeit items and had reached out to the merchant from XXXX  for help. The merchant did not respond to my emails and so I reached out to my bank for assistance with fraud. Upon investigation, they were able to authorize a chargeback for the fraudulent item. I had thought my issue had been resolved. However, I started to get emails from XXXX XXXXtating that I have an overdue balance of {$140.00}. Thinking that this was an error on their end ( since the bank had stated that it had been resolved ) I did not respond to their request asking me to pay my overdue balance. TrueAccord is trying to request me to pay off that loan which is now {$170.00} due to interest. I do not believe it is fair to expect me the customer to pay for this loan that has been investigated by my bank. If there's any additional information you need me to provide please let me know. I do not know who else to further contact as XXXX is choosing to ignore my emails and now my loan is being sent to True Accord and I do not wish for it to affect my credit score. Its XXXX XXXX XXXX has now closed their website as well.I am experiencing financial hardships due to my dog suddenly getting diagnosed with XXXX and for the past few months it has been extremely hard to deal with that AND the issue with XXXX which I had already thought was resolved.The balance for my account kept saying it was " overdue '' but my bank had already disputed the fraudulent purchase. Thank you in advance. The loan number is XXXX. I would like to reiterate the merchant that sold me this product sold a counterfeit item and the website is no longer in service and has been suspended.

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 2024-02-17 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: DISCOVER BANK
State: MS

Complaint narrative:
In accordance with the fair credit XXXX XXXX XXXX # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card. account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
XXXX XXXX : XXXX. XXXX, XXXX  XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX  These are the XXXX hard inquiries on my credit reports. I have tried to reach out to the banks and consumers to verify the Inquiries and they couldn't find any applications or information under my Name, Phone number, or SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 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: IL

Complaint narrative:
unauthorized ; inaccurate information ; inquiries and collection INQUIRIESXXXX 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 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 XXXXXX/XX/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 explanation
Consumer complaint received 2024-02-17 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: CA

Complaint narrative:
I have submitted everything into the credit bureau 's and they did not delete anything and are simply playing games i had identity theft in my credit report and i am trying to clear this matter up.

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 2024-02-17 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: CA

Complaint narrative:
I have submitted everything into the credit bureau 's and they did not delete anything and are simply playing games i had identity theft in my credit report and i am trying to clear this matter up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: AZ

Complaint narrative:
I have asked for my qualifying payments to be recalculated and for the one time forgiveness for forbearance/deferment to be processed. They said I had 75 qualifying payments and then I submitted an employment verification for my time at the XXXX XXXX XXXX XXXX. Their response was that they now have processed my time at XXXX and included the qualifying payments but the payment count never changed! I am coming up on 11 years in Education. I want all of my payments recalculated and I want my account to be processed for the one time qualifying payments for forgiveness/deferment which I was told by XXXX would qualify.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I use to Have An Bank Account with Wells Fargo someone stole and used my Social Security Number to do etc things with it, also I had a credit card with XXXX XXXX anytime I try to put my Social Security Number in a get denied to own anything I try to by for MYSELF. Like AN CaR that I've been trying to get and pay for without having to CO-SIGN with anyone

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 2024-02-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX Bank of America Above Accounts created under respective creditors without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please. 

And one more thing according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
have not been able to get a updated credit report or score for 15 to 18 months, also my free subscription has also not updated and they only show my old credit score from over 15 months ago. I called them they said its nothing they can do. whats going on?

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 2024-02-17 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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation