vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 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: CA

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
Subject : Dispute of Inaccurate Credit Reporting by Comenity Bank To Whom It May Concern, I am writing to formally dispute inaccurate information being reported by Comenity Bank on my credit reports. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and fair credit reporting, and Comenity Bank acct XXXX XXXXXXXX is currently in violation of this right. Comenity Bank is reporting incorrect account information across all three major credit bureausXXXX XXXXXXXX, and XXXX. The information they have provided is inconsistent and inaccurate, which is damaging to my credit profile. Since the information is not being reported accurately on all three bureaus, I am requesting a complete deletion of these accounts from my credit reports. I have attached copies of my credit reports highlighting the inaccuracies, along with any supporting documentation that proves my case. I kindly request that the CFPB investigate this matter and ensure that Comenity Bank corrects its reporting or deletes the inaccurate accounts as required by law. Please provide me with an update on the status of this dispute at your earliest convenience. I appreciate your prompt attention to this matter and look forward to your response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: NY

Complaint narrative:
I am contacting you regarding an inquiry on my credit report that I did not authorize, and which has no permissible purpose under the 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 explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Transunion still reporting fraudulent inquiry on my consumer report after disputing by phone and with the company that the hard inquiry is fraud and was not unauthorized by me.

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 2025-02-11 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: NC

Complaint narrative:
My personal and financial information was compromised without my authorization. 
the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and delete student loan debt in full. XXXX XXXX being a third-party he now has access to my SSN and other identifying information became aware XX/XX/XXXX. He also violated the Privacy act of XXXX and higher education act which governs student loan privacy.

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 2025-02-11 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: NC

Complaint narrative:
My personal and financial information was compromised without my authorization. 
the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and delete student loan debt in full. XXXX XXXX being a third-party he now has access to my SSN and other identifying information became aware XX/XX/XXXX. He also violated the Privacy act of XXXX and higher education act which governs student loan privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: NC

Complaint narrative:
My personal and financial information was compromised without my authorization. 
the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and delete student loan debt in full. XXXX XXXX being a third-party he now has access to my SSN and other identifying information became aware XX/XX/XXXX. He also violated the Privacy act of XXXX and higher education act which governs student loan privacy.

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 2025-02-11 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: GA

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, XXXX XXXX ] XXXX [ XXXX ] [ XXXX ] [ Experian ] [ XXXX XXXX XXXX ] [ XXXX, Texas XXXX ] Subject : Dispute of Inaccurate Information on Credit Report 15 U.S.C. 1681o Dear XXXX, I am writing to formally dispute the following information on my credit report. I have reviewed my report and found the following inaccuracies, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o, relating to civil liability for violations. 

Item to be Disputed : [ Lead Bank ] Nature of the Dispute : I believe the information is inaccurate, including details like incorrect account balances. ] Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, I am requesting that you investigate this dispute and correct any errors. The information in question does not accurately reflect my financial history, and I am requesting the removal or correction of the disputed information.

Additionally, I would like to remind you that under 15 U.S.C. 1681o, I am entitled to civil liability for any damages caused by the inclusion of inaccurate or unverified information on my credit report. If the dispute is not resolved in accordance with the FCRA, I will consider all available options for seeking redress, including legal action.

Please conduct a full investigation and provide me with written confirmation of the resolution, including a copy of the updated credit report once the dispute is resolved. 

Enclosed are copies of the relevant documents supporting my dispute, including [ any documentation you are submitting such as billing statements, letters, or court documents ]. 

Thank you for your prompt attention to this matter. Please provide me with the results of your investigation within XXXX  days, as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, XXXX XXXX ] XXXX [ XXXX ] [ XXXX ] [ Experian ] [ XXXX XXXX XXXX ] [ XXXX, Texas XXXX ] Subject : Dispute of Inaccurate Information on Credit Report 15 U.S.C. 1681o Dear XXXX, I am writing to formally dispute the following information on my credit report. I have reviewed my report and found the following inaccuracies, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o, relating to civil liability for violations. 

Item to be Disputed : [ Lead Bank ] Nature of the Dispute : I believe the information is inaccurate, including details like incorrect account balances. ] Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, I am requesting that you investigate this dispute and correct any errors. The information in question does not accurately reflect my financial history, and I am requesting the removal or correction of the disputed information.

Additionally, I would like to remind you that under 15 U.S.C. 1681o, I am entitled to civil liability for any damages caused by the inclusion of inaccurate or unverified information on my credit report. If the dispute is not resolved in accordance with the FCRA, I will consider all available options for seeking redress, including legal action.

Please conduct a full investigation and provide me with written confirmation of the resolution, including a copy of the updated credit report once the dispute is resolved. 

Enclosed are copies of the relevant documents supporting my dispute, including [ any documentation you are submitting such as billing statements, letters, or court documents ]. 

Thank you for your prompt attention to this matter. Please provide me with the results of your investigation within XXXX  days, as required by law. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
NCA Amount : {$430.00} This account has been paid to the original creditor. The collection agency above has now reopened the account and named themselves the original creditor. XXXX XXXX has noted that the account has been closed then reopened and have advised me to dispute. This makes the reported information untrue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: MI

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-02-11 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CT

Complaint narrative:
i've asked for options on how to power my car payment since I was XXXX  off my job from XXXX in XXXX of XXXX. The payment is {$470.00}, for a loan of around {$24000.00}. Its my first car, and its used. I was not informed of the difference between a lease or a loan. I've talked to the company and the dealer. They both hang up, redirect me and ignore me especially in person at the dealership. They reccomended me to use my XXXX XXXX  at the dealer, which is illegal. the car is a XXXX XXXX with a manufacturing defect that both the company and dealership have denied in trying to fix. I am an XXXX XXXX student working XXXX hours a week, getting paid minimum wage, taking XXXX classes. They made fun of me at the dealer after i told them of my situation and said there's nothing that can be done, only offered me a newer car with a higher monthly payment. The company only pushes for their payments and ignore my ask for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am writing to request a thorough investigation into the reporting of my account, which has been marked as late on multiple occasions across all three major credit bureaus. 

Account Details : NAVY FCU, Account Number : XXXX Under 15 USC 1666b Timing of Payments Please Update to Never Late NAVY FCU, Account Number : XXXX Under 15 USC 1666b Timing of Payments Please Update to Never Late The negative impact of this reporting became evident to me following a denial for credit at XXXX , with the reason explicitly cited as the negative marks originating from your reporting. This incident has raised serious concerns about my future ability to obtain credit. 

In accordance with the Fair Credit Billing Act ( FCBA ), which stipulates that consumers have the right to request and obtain information about their accounts that have been reported, I am hereby requesting all pertinent information that your company has used as the basis for reporting my account as late. This includes, but is not limited to, payment histories, dates of alleged late payments, and any correspondence or notices sent to me regarding late payments. 

Given the serious implications of this matter on my financial health and creditworthiness, I expect that thirty days is a reasonable timeframe for your company to respond to this request. Should you be unable to provide the requested documentation, or if it is found that the negative reporting was indeed inaccurate, I kindly request that all such inaccuracies be rectified and that the incorrect information be deleted from my reports with XXXX, XXXX, and XXXX. 

I trust that your company will address this matter with the urgency and seriousness it warrants. Thank you for your prompt attention to this request, and I look forward to your cooperation in resolving this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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 am interested in processing disputes on my credit report to delete a remove all unauthorized items listed on my file. I am a victim of identity theft an have no knowledge of the accounts listed. This has caused major denials an needs to be reviewed an deleted asap. None of the accounts are following the FCRA guidelines. Please review an remove the listed accounts asap.

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 2025-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX Subject : Dispute of Account Information Account No. XXXX Dear FEB-RETA Dispute Department , I am writing to formally dispute the information being reported on my credit file for the above-referenced account. According to my recent credit report, the following inaccurate details have been reported : Reported Balance : {$0.00} Account Status : Charge-Off Available Credit : {$2500.00} Charge Off Amount : {$400.00} Delinquency First Reported : XX/XX/year> I believe this information is incorrect and negatively impacts my credit profile. I kindly request a thorough investigation into this matter and for the necessary corrections to be made. Please provide verification of the reported balance, account status, and charge-off amount. If you are unable to verify the accuracy of this information, I request that the erroneous data be removed from my credit report immediately. 

Enclosed, you will find copies of relevant documents supporting my dispute, including a copy of my credit report highlighting the disputed items. 

Please provide a written response regarding your findings within the timeframe specified by the Fair Credit Reporting Act ( FCRA ). If the information can not be substantiated, I expect its immediate deletion from my credit profile. 

Thank you for your prompt attention to this matter. I appreciate your cooperation and look forward to resolving this issue. Please confirm receipt of this letter and provide a resolution

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: CA

Complaint narrative:
The following account is inaccurate and its hurting my credit score and is hurting my ability to attain credit. Please remove this inaccurate account from my credit report immediately. 
Account # xxxxxx XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am a victim of identity theft and I will like to take actions against the perpetrators that's fraudulently using my identification. Accounts are listed below XXXX XXXX Date opened XX/XX/XXXX Account number XXXX {$2900.00} XXXX Date opened XX/XX/XXXX Account number XXXX {$2400.00} XXXX Date opened XX/XX/XXXX Account number XXXX {$560.00} XXXXXXXX XXXX  Date opened XX/XX/XXXX Account number XXXX {$1900.00} XXXX XXXX  Date opened XXXX XXXX, XXXX Account number XXXX {$2400.00} XXXX XXXX  Date opened XX/XX/XXXX Account number XXXX {$5700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Account number XXXX $ XXXX {$23000.00} XXXX XXXX XXXXXXXXXXXX XXXX Date opened XX/XX/XXXX Account number XXXX {$870.00} XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Account number XXXX {$7600.00} XXXX XXXX XXXX  Date opened XX/XX/XXXX Account XXXX XXXX {$4800.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account XXXX XXXX {$410.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Account number XXXX {$6700.00} XXXX XXXXXXXX XXXX  XXXX XXXX. 
Date opened XX/XX/XXXX Account number XXXX {$3200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account number XXXX {$2300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account number XXXX {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX 
Date opened XX/XX/XXXX Account number XXXX {$4100.00} XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Account number XXXX {$1000.00} XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX Account number XXXX {$970.00} XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account number XXXX {$560.00} XXXX XXXX XXXX XXXX XXXX 
Date opened XX/XX/XXXX Account number XXXX {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account number XXXX {$420.00}

Company response to consumer: Closed with explanation