vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-04 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: GA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-03-04 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: GA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2024-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2023 ; I noted on my account a debit of {$100.00} ( transaction date : XX/XX/2023 ) paid to a merchant XXXX XXXX XXXX. This is a store I regularly shop at. I went over to the store to enquire why there was a charge of {$100.00} paid to them without me visiting the store on the said date to make a purchase. The store confirmed that I was neither there nor was there a transaction of that amount, made on that day on their cash register. I immediately called the bank on XX/XX/2023 to report fraud, for which the bank launched an investigation and also applied a provisional credit of {$100.00}. 

However, months later on XX/XX/2023, the bank reversed the provisional credit of {$100.00} citing that my report was not fraudulent. The bank claimed that I'd used my debit card at the POS ( point of sale - chip ). I requested that the bank provide documented evidence of their claims or investigation and to re-open the investigation. The bank has since failed to provide evidence of my use of the card on XX/XX/2023, and has failed to contact the merchant despite several requests for them to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
A jewelry company called XXXX 's XXXX in XXXX XXXX, CA stole my identity while I was XXXX XXXX military.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: TX

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section XXXX. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA XXXX XXXX, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am writing to dispute a late payment on my credit report that is inaccurate. The account in question has been paid in full and closed of XXXX of 2019. Yet the late payment is still reflecting on my credit report through your agency as a result that DEP OF ED/XXXX has stop reporting late payment to the credit bureaus. 

The student loan agency responsible for reporting this information stopped reporting it as ofXXXX 2019, as the account was paid in full. Therefore, there is no reason for the late paymentto still be reflected on my credit report. 


Furthermore, XXXX, Transunion, and XXXX, is showing multiple accounts for the same late payment, which is impacting my ability to move forward with purchasing a home. I am in the process of trying to buy a home, but this erroneous information on my credit report is hindering my progress. 


I kindly request your assistance in resolving this issue and having the late payments removed from my credit report as soon as possible.

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 2024-03-04 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: CO

Complaint narrative:
I am writing to dispute a late payment on my credit report that is inaccurate. The account in question has been paid in full and closed of XXXX of 2019. Yet the late payment is still reflecting on my credit report through your agency as a result that DEP OF ED/XXXX has stop reporting late payment to the credit bureaus. 

The student loan agency responsible for reporting this information stopped reporting it as ofXXXX 2019, as the account was paid in full. Therefore, there is no reason for the late paymentto still be reflected on my credit report. 


Furthermore, XXXX, XXXX, and Equifax, is showing multiple accounts for the same late payment, which is impacting my ability to move forward with purchasing a home. I am in the process of trying to buy a home, but this erroneous information on my credit report is hindering my progress. 


I kindly request your assistance in resolving this issue and having the late payments removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: CO

Complaint narrative:
I am writing to dispute a late payment on my credit report that is inaccurate. The account in question has been paid in full and closed of XXXX of 2019. Yet the late payment is still reflecting on my credit report through your agency as a result that DEP OF ED/XXXX has stop reporting late payment to the credit bureaus. 

The student loan agency responsible for reporting this information stopped reporting it as XXXX 2019, as the account was paid in full. Therefore, there is no reason for the late paymentto still be reflected on my credit report. 


Furthermore, Experian, XXXX, and XXXX, is showing multiple accounts for the same late payment, which is impacting my ability to move forward with purchasing a home. I am in the process of trying to buy a home, but this erroneous information on my credit report is hindering my progress. 


I kindly request your assistance in resolving this issue and having the late payments removed from my credit report as soon as possible.

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 2024-03-04 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: HI

Complaint narrative:
XXXX XXXX  XXXX corrected and then RE-MISREPORTED FALSE LATE STATUS Everyday of false reporting is a LARGE COST to me that XXXX XXXX XXXX WILL BE PAYING. 

Need help from CFPB

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I opened a credit card in XXXX of 2023. I was promised a physical card in the mail but I still have yet to receive a card. I have no access to use this credit and have not made any purchases except the initial purchase made when I applied for it at Old Navy. 

I had called them previously to ask on status and it seems that they blew me off on getting me the card but have no problem calling me about interest payments, which is unfathomable considering I cant even use the XXXX card anyway. What is going on here?

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 2024-03-04 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: CA

Complaint narrative:
fraudulent inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
in accordance with fair credit reporting act this creditor ( 5/3 bank ) has validated my rights under 15 U.S.C. 1681 Section 602 states I have the right to privacy. [ 15 U.S.C. 1681 section 604 a section 2 ] it also states customer reporting agency can't not furnish an account without my writing instructions. Under [ 15 U.S.C. 1666 B ) a creditor my not treat a payment on a credit card account under open consumer plan as late under any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Advantage LNS Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Complaint Against National Credit Audit Co. for Violations of Consumer Rights Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against National Credit Audit Co. for multiple violations of consumer protection laws as outlined below : 1. National Credit Audit Co. has placed a collection on my consumer report without providing validation information, contravening 12 CFR 1006.34 ( b ) ( 5 ).

2. I have not been afforded the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 

3. The collection agency has engaged in false, misleading, misrepresentation, and deceptive practices, infringing on my consumer rights.

4. National Credit Audit Co. has furnished accounts to consumer reporting agencies without providing mandatory disclosures as required by law, thereby violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

I hereby dispute any debts and revoke all rights of National Credit Audit Co. to communicate with me through email, text, or calls. Additionally, I request debt validation, the purchase agreement between the debt collector and the original creditor, and proof of their licensing and bonding.

I urge the Consumer Financial Protection Bureau to investigate these violations and take appropriate action to ensure that National Credit Audit Co. complies with consumer protection laws. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 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: NV

Complaint narrative:
I have a few addresses on my credit report that are not mailable addresses of mine. I do not recognize them and could be possible use of fraud. Please remove these addresses to protect my identity. I also would like my name updated as my identity gets confused with my father and son who all share a version of my name. 

Per 15 U.S. Code 1681e - Compliance procedures ( B ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To enforce my rights, I request Under 15 U.S. Code 6805 Enforcement- subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C . 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law.

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 2024-03-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Please be advised that subsequent to the submission of communications dated XX/XX/XXXX and XX/XX/XXXX, to your esteemed agency concerning a discrepancy in my credit report, I am once again addressing this matter with due urgency. The communications in question sought the removal of an unverified entry linked to my account, specifically designated as " XXXX  XXXX XXXX ''. In retort, it was signified by your agency that said account was properly verified ; a claim that contradicts the disparate payment histories displayed by XXXX Paid, Closed account XXXX of XXXX, Equifax 's record of a XXXX late payment in XX/XX/XXXX, and XXXX 's lack of historical data after XX/XX/XXXX, for the respective terms, respectively this account has been closed since XXXX. 

Given these inconsistencies, I hereby reiterate my formal request for presentation of the factual evidence requisite for verification of the aforestated account information under the aegis of legal mandate. As decreed by Rule 1002 and consistent with the consumer protection protocols enshrined in Title 15 United States Code Section 1666b, it is an incontrovertible right to have access to such substantiation which is expected to be in your custodianship as precondition for any reporting labeled as " verified ''.

Moreover, in observance of statutory privileges emanating from Title 15 U.S. Code Section 1681a outlining privacy safeguards and Section 1681b prohibiting dissemination of personal information without express written consent from the data subjectmeand pursuant to Title 15 U.S. Code Section 6802 ( A ) - ( C ), delineating stipulations for disclosures inclusive of clear notification to consumers alongside their prerogative to preclude personal information from third-party disclosure and outlining modalities for the exercise thereof ; I demand adherence to these provisions.

Should you continue to maintain records or report data unsubstantiated by the required comprehensive documentation or in contravention of my explicit consumer rights as detailed herewith, please be apprised that such practices shall be construed as non-compliant with established legal frameworks governing accurate credit reporting and consumer privacy.

Henceforth, I politely insist on your immediate attention and swift corrective action regarding this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: NC

Complaint narrative:
I am requesting help obtaining my payment history from my student loan servicer, MOHELA. My payments were made through my previous loan servicer, XXXX XXXX, who has stated my current loan servicer should be contacted to provide this information. I no longer have access to my prior account information from XXXX and have been unable to find a means to contact their parent company directly given XXXX XXXX no longer exists. 

I have requested both my XXXX payment history records and past communication documentation from my new loan servicer, MOHELA, multiple times over the past 6 months with no success. At least one of my requests was incorrectly marked as complete and there seems to be no record of the others per my phone conversation with MOHELA on XX/XX/XXXX ( request # XXXX ). The request was reopened ( request # XXXX ), but resulted in incomplete and fraudulent looking documentation not coming close to my payment total of {$70000.00} per the Federal Student Aid website. I called MOHELA XX/XX/XXXX and re-requested my full payment history from XXXX via phone ( request # XXXX ), but have not yet received any information. 

I am requesting this information in order to dispute a denied refund request for my XXXX payment, which I can not appeal without my payment history. The refund was requested per the COVID-19 Emergency Relief, but MOHELA denied my refund request due to there being a lack of payment ' per my XX/XX/XXXX telephone conversation, although I do not see any documentation of this refund denial anywhere on my end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
Amex has repeatedly sent mail correspondence with account and balance information showing on envelope or visible through envelope window. I have asked that they remove the old home address and only use the mailing post office box address and stop showing that this is a collection of past due debt!!!!!!. and they informed that they have to keep a physical address on file. They were informed that I no longer live at that address and will not get the information they are mailing to that old address. I let them know that I did not want the new owners to have my mail and they said their system will not allow to only have a post office address on file. The mail is showing my private account information and status.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: GA

Complaint narrative:
Privacy Act of 1974 A charge off is considered a Certificate of XXXX  which means it is income and must be removed! 


Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 Effective Immediately and Indefinitely

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 2024-03-04 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: GA

Complaint narrative:
Privacy Act of 1974 A charge off is considered a Certificate of Indebtedness which means it is income and must be removed! 


Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 Effective Immediately and Indefinitely

Company response to consumer: Closed with non-monetary relief