vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I kindly ask for your help in investigating accounts from companies that are inaccurately reporting late payments. After being laid off, I requested forgiveness for these payments, which they agreed to, yet the late payments are still being reported. Despite contacting them, I havent received any updates, so this is my last option.

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 2025-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I kindly ask for your help in investigating accounts from companies that are inaccurately reporting late payments. After being laid off, I requested forgiveness for these payments, which they agreed to, yet the late payments are still being reported. Despite contacting them, I havent received any updates, so this is my last option.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I need someone to call me cause these people been stealing money from me for year.. Pressler... I tried to call myself and they giving me the run around... I need help they've tooking thousands from me..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Upon thorough review of my credit record, I discovered concerning late payment entries that remain unresolved and demand immediate attention. Despite sending multiple written communications over 30 days ago requesting validation of these items, I have received neither acknowledgment nor proper verification of these reported late payments, leaving me in a state of uncertainty and frustration regarding my credit standing.

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 2025-01-06 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: FL

Complaint narrative:
I reviewed my consumer credit reports and noticed that I had two late payments on an account with XXXX XXXX XXXX XXXX in which I was never late for. Consumer reporting agencies have assumed an integral role and have a responsibility to report accurate consumer information. I have never been late with any payments with XXXX XXXX before. Please investigate and provide proof that I was late. In the event that this information can not be obtain, please remove the late payments with each credit bureau : XXXX, TransUnion, and XXXX. 

Not only have XXXX XXXX reported inaccurate late payments, they have reported conflicting information with XXXX and XXXX. For example, XXXX XXXX reported the two payments 30 days late in XX/XX/year> and XX/XX/year>. However, with XXXX, they reported the two late payments being 60 days late in XX/XX/year> and XX/XX/year>. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). My consumer rights are clearly being ignored and disregarded, as my credit reports show transparent inaccuracies.

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 2025-01-06 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: FL

Complaint narrative:
I reviewed my consumer credit reports and noticed that I had two late payments on an account with XXXX XXXX XXXX XXXX in which I was never late for. Consumer reporting agencies have assumed an integral role and have a responsibility to report accurate consumer information. I have never been late with any payments with XXXX XXXX before. Please investigate and provide proof that I was late. In the event that this information can not be obtain, please remove the late payments with each credit bureau : XXXX, XXXX, and XXXX. 

Not only have XXXX XXXX reported inaccurate late payments, they have reported conflicting information with XXXX and Experian. For example, XXXX XXXX reported the XXXX payments 30 days late in XX/XX/year> and XX/XX/year>. However, with XXXX, they reported the XXXX late payments being 60 days late in XX/XX/year> and XX/XX/year>. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). My consumer rights are clearly being ignored and disregarded, as my credit reports show transparent inaccuracies.

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 2025-01-06 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: MO

Complaint narrative:
On XX/XX/XXXX i was notified on that XXXX XXXX XXXX has reported account as a Charged Off account as I tried by mail and phone call to resolve this issue with them they have still denied me the 1099c that I requested that they filed on my behalf In accordance to IRS law a charged off is considered a certificate of indebtedness which is income and INCOME IS NOT TO BE FURNISHED ON A CONSUMER CREDIT REPORT I have asked for removal of this furnishing that is effecting my consumer report and also my life I have also requested a statement of accounting and or settlement of accounting and they have refused to send over that copy and copy of original contract

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 2025-01-06 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: MO

Complaint narrative:
On XX/XX/XXXX i was notified on that XXXX XXXX XXXX has reported account as a Charged Off account as I tried by mail and phone call to resolve this issue with them they have still denied me the 1099c that I requested that they filed on my behalf In accordance to IRS law a charged off is considered a certificate of indebtedness which is income and INCOME IS NOT TO BE FURNISHED ON A CONSUMER CREDIT REPORT I have asked for removal of this furnishing that is effecting my consumer report and also my life I have also requested a statement of accounting and or settlement of accounting and they have refused to send over that copy and copy of original contract

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: MO

Complaint narrative:
On XX/XX/XXXX i was notified on that XXXX XXXX XXXX has reported account as a Charged Off account as I tried by mail and phone call to resolve this issue with them they have still denied me the 1099c that I requested that they filed on my behalf In accordance to IRS law a charged off is considered a certificate of indebtedness which is income and INCOME IS NOT TO BE FURNISHED ON A CONSUMER CREDIT REPORT I have asked for removal of this furnishing that is effecting my consumer report and also my life I have also requested a statement of accounting and or settlement of accounting and they have refused to send over that copy and copy of original contract

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 2025-01-06 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) provides consumers with protections regarding the accuracy of their credit reports. To address a fraudulent voluntary surrender of an auto loan on your credit report, you can write a strong and legally grounded dispute letter to the credit bureau ( s ). Heres how you can draft it to ensure the greatest chance of removal : [ Your Full Name ] [ Your Address ] [ City, State, ZIP Code ] [ Date ] [ Credit Bureau Name ] [ Address of Credit Bureau ] Re : Request for Immediate Removal of Fraudulent Voluntary Surrender Auto Loan Account Number : [ Insert Account Number ] To Whom It May Concern : I am writing to formally dispute inaccurate information on my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ). The information pertains to an auto loan listed as a voluntary surrender, which is both fraudulent and completely incorrect. 

Supporting Legal Grounds : 1. Violation of FCRA Section 605B ( Identity Theft ) : Under this provision, I am entitled to have fraudulent information resulting from identity theft blocked or removed from mycredit report. Attached is a copy of my Identity Theft Report ( e.g., police report or FTC Identity Theft Affidavit ) supporting my claim.

2. FCRA Section 611 ( Accuracy of Credit Reporting ) : As per this section, credit bureaus are required to investigate disputes regarding inaccurate or incomplete information. This account does not belong to me, and its inclusion is damaging and erroneous.

3. FCRA Section 623 ( a ) ( 1 ) ( A ) : The original furnisher of information is obligated to ensure the accuracy of their reporting. This fraudulent account violates their duty to provide accurate information to the credit bureaus. 

My Request : I demand the immediate removal of this fraudulent account/REMARKS from my credit report. This account has been reported in error and is causing significant harm to my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; {$20000.00} REMARKS : returned voluntarily ; voluntary repossession XXXX, EQUIFAX, XXXX Under the FCRA, you are required to complete your investigation and respond within 30 days of receiving this dispute. Failure to comply with these legal requirements may result in legal action under federal law.

Please confirm receipt of this dispute and keep me informed of your progress. You may contact me in writing at the address provided above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) provides consumers with protections regarding the accuracy of their credit reports. To address a fraudulent voluntary surrender of an auto loan on your credit report, you can write a strong and legally grounded dispute letter to the credit bureau ( s ). Heres how you can draft it to ensure the greatest chance of removal : [ Your Full Name ] [ Your Address ] [ City, State, ZIP Code ] [ Date ] [ Credit Bureau Name ] [ Address of Credit Bureau ] Re : Request for Immediate Removal of Fraudulent Voluntary Surrender Auto Loan Account Number : [ Insert Account Number ] To Whom It May Concern : I am writing to formally dispute inaccurate information on my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ). The information pertains to an auto loan listed as a voluntary surrender, which is both fraudulent and completely incorrect.

Supporting Legal Grounds : 1. Violation of FCRA Section 605B ( Identity Theft ) : Under this provision, I am entitled to have fraudulent information resulting from identity theft blocked or removed from mycredit report. Attached is a copy of my Identity Theft Report ( e.g., police report or FTC Identity Theft Affidavit ) supporting my claim.

2. FCRA Section 611 ( Accuracy of Credit Reporting ) : As per this section, credit bureaus are required to investigate disputes regarding inaccurate or incomplete information. This account does not belong to me, and its inclusion is damaging and erroneous.

3. FCRA Section 623 ( a ) ( 1 ) ( A ) : The original furnisher of information is obligated to ensure the accuracy of their reporting. This fraudulent account violates their duty to provide accurate information to the credit bureaus.

My Request : I demand the immediate removal of this fraudulent account/REMARKS from my credit report. This account has been reported in error and is causing significant harm to my creditworthiness. 
: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; {$20000.00} REMARKS : returned voluntarily ; voluntary repossession EXPERIAN, XXXX, XXXX Under the FCRA, you are required to complete your investigation and respond within 30 days of receiving this dispute. Failure to comply with these legal requirements may result in legal action under federal law.

Please confirm receipt of this dispute and keep me informed of your progress. You may contact me in writing at the address provided above.

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 2025-01-06 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:
Hello, I am requesting an investigation into these accounts as there appears to be a discrepancy regarding their accuracy on my credit report. These accounts were removed previously but have been reinstated without my awareness. I did not receive any notification or correspondence about their reappearance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: AZ

Complaint narrative:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and sick with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

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 2025-01-06 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: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) ... 1002.142 ( b ) ( 7 ).

I have provided my photo ID along with the other required documents.

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 2025-01-06 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: Nelnet, Inc.
State: HI

Complaint narrative:
I was granted loan forgiveness under the Biden administration by the Department of Education. Sloan Servicing ( Nelnet ) my loan provider is not complying with the letter I received in XXXX, stating all XXXX  Loans would be forgiven. 

Under the Biden administration, my loans were placed on administrative forbearance but it seems that is being lifted effective XX/XX/XXXX, with payments to resume. 

I currently have a remaining balance of {$7100.00} and to my knowledge; eligible students were being to be refunded for any previously paid amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Incident Description : On multiple occasions, unauthorized accounts were opened in my name due to identity theft, resulting in inaccuracies in my credit report. These accounts include : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  : Opened on XX/XX/XXXX, with a reported balance of {$940.00}. I did not authorize or open this account. 
XXXX XXXX : Opened on XX/XX/XXXX, with a charged-off balance of {$20000.00}. This amount appears fraudulent and significantly inflated compared to the original balance of {$17000.00}. 
XXXX XXXX XXXX ( XXXX Account ) : Opened on XX/XX/XXXX, with a reported balance of {$100.00}. This account is not mine and was opened without my consent. 
Additionally, there are discrepancies in the balances and statuses of legitimate accounts : U.S. Department of Education Loans : Payments made in XXXX are not reflected, leading to incorrect balances of {$2100.00} and {$3600.00} on loans opened in XXXX. 
XXXX XXXX XXXX : The reported " voluntary surrender '' status is inaccurate for the auto loan opened on XX/XX/XXXX, and closed with a written-off balance of {$13000.00}. 
Actions Taken : Filed an identity theft report with relevant authorities. 
Gathered supporting documentation, including payment receipts and loan agreements, to dispute these inaccuracies. 
Submitted a formal dispute to Experian under FCRA 605B, requesting the removal of fraudulent accounts and correction of errors. 
Requested Resolution : Remove the fraudulent accounts from my credit report. 
Verify and correct payment histories and balances for legitimate accounts. 
Provide a detailed response outlining the actions taken to resolve these disputes.

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 2025-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

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 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 2025-01-06 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:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year> I had money deposited on my card and went to pull it off and my card would not word money was not deposited on it. Had to wait 2 days for my money. Needed it that day for gas to get to work. Missed word XXXX  XX/XX/year>. I lost a day of work so I'm out 8 hours of pay. I think I should be untitled to something.

Company response to consumer: Closed with explanation