vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: TX

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : IDTheftReport_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 Collection/Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : Former : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Employers : XXXX XXXX  Employers : XXXX XXXX XXXX Employers : XXXX XXXX  Employers : XXXX XXXX Also Known As : XXXX XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I received information from another credit monitoring system my personal information was shared on the dark web. then i noticed inquires that I'm not familiar with, so please remove them. here are the list 1.ALLY FINANCIAL Auto Financing Company 2.XXXX XXXX XXXX XXXX Auto Financing Company 3.XXXX XXXX XXXX Automobile Dealers, New 4.XXXX XXXX. , XXXX XXXX All Banks - Non Specifics 5.XXXX XXXX/ XXXX General Clothing Store 6.XXXX XXXX XXXX Auto Financing Company 7.XXXX XXXX Bank Credit Card 8.XXXX Leasing and Rent Reseller 9.XXXX XXXX XXXX Automobile Dealers , Used 10 . XXXX XXXX XXXX Finance Companies - Non Specifics 11. XXXX Bank Credit Cards 12.XXXX Bank Credit Card

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: NV

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to request the removal of unauthorized inquiries from my credit report, as permitted under Section 609 of the Fair Credit Reporting Act. I believe these inquiries are inaccurate and were not authorized by me.Please Block and remove all information resulting from Identity theft pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) which states that these accounts must be removed within 4 business days of receipt. XXXX XXXX violated my consumer reports on XX/XX/year> without a permissible purpose as per 15 U.S.C. 1681b ( 2 ) or knowingly without a legitimate business reason pursuant 15 U.S.C. 1681 b ( a ) 3 ( f )

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 2024-10-10 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: MI

Complaint narrative:
There are items that has resulted from fraud which I never benefitted from still appears on my report, it is already deleted by both XXXX and XXXX yet you continue to put this false and fraudulent information on my credit. This is incredibly insulting and a defamation of my character, it's stressing me out knowing that my rights are being violated as a consumer. This is already reported to the Federal Trade Commission but nothing is removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 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: NC

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 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: MI

Complaint narrative:
15 U.S. Code 1681c 2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: AR

Complaint narrative:
Additionally, I believe you have violated the Truth in Lending Act ( TILA ), specifically 15 U.S. Code 1666 ( b ) regarding billing errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: FL

Complaint narrative:
Im looking to qualify for a loan to further my education. After recently reviewing my credit report, I noticed some inaccurate information on my file. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am requestin
g that these items be removed under FCRA : XXXX XXXX / XXXX XXXX ( Inquiry ) XXXX XXXX ( Delinquency ) XXXX XXXXXXXX XXXX ( Delinquency ) I'd deeply appreciate if this matter could please be investigated and deleted per the disputed items, as soon as possible. Thank you!

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 2024-10-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Formal complaint regarding inaccurate credit report Dispute of duplicated collection and balance inconsistencies Dear CFPB I am submitting this formal complaint regarding errors and inaccuracies found in my credit report issued by XXXX. Specifically, the issues outlined below are negatively affecting my credit history : XXXX. Duplicated debt : My credit report reflects XXXX accounts related to a personal loan from XXXX XXXX, which does not accurately reflect my credit situation. This duplication is incorrect and misleading, and it violates the Fair Credit Reporting Act, which mandates that only truthful and accurate information remain on my credit report. 

XXXX. Balance inconsistency : A collection reported by LVNV Funding LLC shows a balance of {$9600.00}. However, the original creditor, XXXX XXXX, lists a balance of {$15000.00}. This discrepancy in reported amounts is completely inaccurate and must be corrected immediately, as it represents a false and misleading entry on my credit file. 

XXXX. Inaccurate information from the creditor : XXXX XXXX is showing XXXX separate accounts for the same debt on my credit report, which is causing confusion and damaging my XXXX XXXX. This not only results in an unjust duplication of the debt but also violates my rights under the Fair Credit Reporting Act ( FCRA ), which ensures that credit reports are accurate and complete. 

I am formally requesting the following : - That an investigation be conducted regarding the duplicated account reported by XXXX XXXX. 
- That the duplicated accounts and any other incorrect or inconsistent information be removed from my credit report. 
- That the balances reported by XXXX XXXX and LVNV Funding LLC be corrected to reflect the accurate information. 
- That any reference to the inaccurate debt be removed from my XXXX credit report, in accordance with the protections provided under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Additionally, please take into consideration that this information had previously been removed from my credit report, which has caused confusion as it was later reinserted, further violating my rights. 

I am attaching copies of my credit report with the errors highlighted, as well as any supporting documentation that XXXX assist in the investigation and resolution of this matter. 

Thank you in advance for your attention to this complaint. I look forward to having the necessary corrections made as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
**Complaint Regarding Credit Reporting by PennyMac Loan Services** *Date : * XXXX XX/XX/year> XXXXLoan Number : * XXXX *To : * Consumer Financial Protection Bureau ( CFPB ) *Subject : * Inaccurate Credit Reporting by PennyMac Loan Services I wish to file a formal complaint regarding the erroneous credit reporting related to my loan, number XXXX, by PennyMac Loan Services on XXXX XX/XX/year> XXXX This inaccurate report was sent to at least one credit reporting bureau and contains the following issues : 1. **Incorrect Loan Balance : ** The report indicates an incorrect outstanding loan balance of {$440000.00}. This figure does not reflect the actual amount owed on my loan. 

2. **Incorrect Account Status : ** The report also states that my account is past due, despite there being no missed or late payment for the month of XX/XX/year>, as evidenced by PennyMac 's own payment system on XXXX XX/XX/year>, where no payment was recorded as overdue. 

3. **Violation of Forbearance Agreement : ** The current reporting fails to acknowledge the forbearance agreement in place with PennyMac Loan Services . The erroneous reporting disregards the terms of this agreement, which directly affects the accuracy of the credit report. 

I kindly request immediate correction of these inaccuracies and confirmation of the updated and accurate reporting to the relevant credit reporting agencies. 

Yours faithfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: GA

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-10-10 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: NY

Complaint narrative:
Opened On : XXXX : $ XXXX Reported On XXXX XXXX Due : {$15000.00} Account Condition : ClosedMost Recent Payment : XXXX Responsibility : Individual Payment Type : Installment Months History : 108 Subject : Formal Complaint Against an existing Credit Bureau Practices Dear CFPB , I am writing to formally address the refusal of the credit bureaus to provide a fresh copy of my contract agreement, including my signature, indicating my consent to pay the alleged debt called ( XXXX XXXX XXXX - Account no. XXXX or Account Number : XXXX ). Despite multiple requests for validation, they have failed to produce this documentation. Instead, they have escalated the situation by sending threatening and coercive letters to my family residence, which is unacceptable. 

I kindly request that the CFPB intervene to ensure that the credit bureaus comply with my rights under the Fair Debt Collection Practices Act and cease any further harassment until the matter is properly resolved with the appropriate documentation. 

Thank you for your attention to this matter. 

Sincerely, 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 2024-10-10 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: IL

Complaint narrative:
I am writing to formally request an investigation into several inaccuracies on my credit report. On multiple occasions, I have disputed the erroneous accounts listed on my report and have requested thorough investigations, but I have yet to receive a satisfactory resolution. 

The presence of these incorrect accounts is causing significant damage to my credit file and adversely impacting my financial health and overall quality of life. These issues have resulted in numerous hardships, and despite my continued efforts to rectify them, no corrective action has been taken. 

I am now requesting your urgent assistance in conducting a detailed investigation into each of these disputed accounts. It is crucial that the necessary steps are taken to ensure the accuracy of my credit report and to update the information accordingly without further delay. 

Please treat this matter with the utmost priority, as restoring the integrity of my credit file is essential for me to regain control of my financial standing. Your prompt action and cooperation in resolving this issue will be greatly appreciated. 

Thank you for your attention to this matter, and I look forward to your swift response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 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: NC

Complaint narrative:
I contacted TransUnion regarding an account that was identity theft, and provided them with with the FTC identity theft reports and asked to to remove and block the account per FCRA-605b and they have failed to comply with the request

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 2024-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
remove off my credit history payment paid in full. I need to open bank.

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 2024-10-10 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: VA

Complaint narrative:
Please refer to complaint ID XXXX. This was in regards to MOHELA changing my loan terms earlier this year, extending it by 12 years ( XXXX ) despite signing a contract in XXXX  for repayment to be completed in XXXX. 

I waited the 60 days for communication from MOHELA regarding the above complaint as suggested by CFPB. I have not received any information nor rectification of the problem. 

At this point, the repayment breakdown is no longer available on the website/my account for me to reference.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
XX/XX/year> : We used XXXX XXXX XXXX hotel for photography services ( XXXX ) costing $ XXXX which is XXXX XXXX XXXX. However, the front desk charged us {$6600.00} USD. 
XX/XX/year> : We informed the hotel but since 24 hours were passed, they asked us to dispute with credit card support. 
XX/XX/year> : I work with XXXXXXXX XXXX and open a dispute case : XXXX for {$6200.00} because I owed {$400.00} USD for photo services i.e. $ XXXX $ XXXX XX/XX/year> : Provided images of receipts and all documents XX/XX/year> : Emailed apple credit card support to provide an update, no response. 
XX/XX/year> : Paid {$400.00} from $ XXXX during my XX/XX/year> auto payment. 
XX/XX/year> : Emailed apple credit card support to provide an update, no response. 
XX/XX/year> : Dispute closed siding with vendor charged correct amount. 
XX/XX/year> : Called XXXX XXXX  and initiated another dispute case XXXX to verify transaction properly XX/XX/year> : Provided receipt images via email and all supporting documents XX/XX/year> : Dispute closed siding with vendor charged correct amount. 
XX/XX/year> : Called XXXX XXXX and initiated another dispute case XXXX but this time apple credit card support team messed up and opened dispute for {$400.00} instead of {$6200.00} For next 30 days, I carried balance of {$6200.00} on my credit card and my FICO and credit score dropped Called XXXX XXXX multiple times but they didn't respond to the case. 
XX/XX/year> : Called XXXX XXXX and initiated another dispute case XXXX and this time again XXXXXXXX XXXX messed up and opened dispute for {$400.00} XX/XX/year> : Autopayment paid {$6200.00} amount that was in month 's balance and the team failed to provide provisional credit in time. 
XX/XX/year> : XXXXXXXX XXXXt team reverses the provisional adjustment of {$400.00} dispute as it was a mistake, however, they add this to my credit card balance, which was already paid in XX/XX/year> ( XX/XX/year> ). 
XX/XX/year> : Called XXXXXXXX XXXX XXXX and worked with manager to open two new cases XXXX, XXXX to get this issue resolved. Team mentioned, I'll get email of the tickets but there's no communication, email or call regarding the above case. 

Currently, I have paid : $ XXXX $ XXXX {$6600.00} and carrying balance of {$400.00} which will be auto-paid on XX/XX/year> i.e. {$7000.00} Apple credit card team has taken my savings and more than 6 months of time in resolving this case which is no-brainer. I have lost my savings and credit score and the team has not responded at all on this dispute.

Company response to consumer: Closed with monetary relief