vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-03 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:
I filed a dispute for incorrect information on my credit report and received an email from the credit bureau claiming the disputes were filed by a third party. However, these disputes were submitted by me directly. I even called to verify my identity, but they still refused to process my disputes. I wasted money on mailing the disputes and sent personal information through the mail to confirm my identity, only for them to fail to conduct a thorough investigation.

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 2024-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kikoff Inc.
State: SC

Complaint narrative:
Did not receive a 1098c of validation of this Suppose to be debt. 


To Whom This May Concern, This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well-being and seriously hurting my character. 

Enclosed with this letter are the details of the account in dispute, with all of my personal information to verify my identity to help expedite this process. 

By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract bearing my signature. Failing that, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life. 

The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : This account is listed as a collection/charged off account on my credit report but I have never received a 1099C for this charged off debt. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly or delete immediately. 

Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation. 

I appreciate your prompt attention to this matter as these may seem like small reporting errors to you but they are serious offenses on my report when it is time to purchase a home for my family, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. Thank you. 


Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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:
In XXXX of XXXX all my XXXX  loans were written off and paid off by the US Treasury as a response to Covid. Completely brought down to XXXX XXXX After Biden was voted into congress my account was contacted personally by the US education department who apologized and told me the balances were being returned to some accounts. I was told to file a dispute so that it would remain at XXXX $ and paid. Which o filed. In XXXX the US Department RETURNED MY BALANCE TO {$42000.00}. 

Limiting my financing abilities and opportunities as a small business owner. 

Its ludicrous that they can remove a balance receive funds from the give and turn around and return balances to whomever they choose. 

Its an injustice.

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 2024-09-03 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: TX

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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information 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 2024-09-03 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: AL

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

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 2024-09-03 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: GA

Complaint narrative:
In Mohela 's old system I was being charged {$220.00} a month for my payment. Since the change to the new system in XXXX I am still getting charged the {$220.00} in addition to the updated total of {$220.00}. I called on XX/XX/year> to get the double charge addressed, attempt to get a refund for the double charges, and view my charges. I was advised to cancel autopay, but they didn't see any evidence of any double charges and would send me proof of this in the mail. I cancelled autopay, and was placed in forbearance, and I was still charged on XX/XX/year> the amount of {$220.00}. I have also not received any of the information that was promised to me during my call on XX/XX/year>.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: NJ

Complaint narrative:
Recently I've received a copy of my credit report in which I noticed that there is information and accounts that are unlawfully and inaccurately reporting. There are inaccurate addresses reporting in which I don't live at those addresses. The address that's on my ID is my address and only address that should be reporting to my credit report. There are collections accounts reporting but how can there be an alleged debt if there isn't any contracts, receipts or agreements between me and the creditors listed in my dispute? I reached out to the creditors reporting these accounts and asked them to mail me any documents that verifies the debt that they're reporting. I never gave them the consent to share nor obtain my personal information which is a violation against my right of privacy. The unlawfully and inaccurate reporting information and accounts are negatively im acting my credit score limiting my ability to obtain any potential relationships with lenders, or institutions. Violations committed by Equifax and the creditor reporting this account : 15 U.S. Code 1692g - Validation of debts, 15 U.S. Code 1692c - Communication in connection with debt collection, 15 U.S. Code 1692e - False or misleading representations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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: OH

Complaint narrative:
I am a victim of identity theft and some credit bureaus are refusing to removed other address related to fraud of my credit report. I am requesting to Block fraudulant addresses. 

All information have been provided here with statement and all attachments - appropriate proof of the identity of the consumer - a copy of an identity theft report/police report - a statement by the consumer the incorrect information as a result to 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 2024-09-03 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: OH

Complaint narrative:
I am a victim of identity theft and some credit bureaus are refusing to removed other address related to fraud of my credit report. I am requesting to Block fraudulant addresses. 

All information have been provided here with statement and all attachments - appropriate proof of the identity of the consumer - a copy of an identity theft report/police report - a statement by the consumer the incorrect information as a result to identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Dispute of Unauthorized Credit Inquiries To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

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 2024-09-03 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: TX

Complaint narrative:
For the past 5 years and 2 months, XXXX XXXX XXXX XXXX has reported Account # XXXX in error to multiple credit reporting agencies, despite my repeated complaints to the Attorney General of Washington, XXXX XXXX XXXX XXXX, the Federal Trade Commission, Experian, XXXX, XXXX, and the Consumer Financial Protection Bureau. 

XXXX XXXX XXXX claims to collect a debt on behalf of XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, TX. However, XXXX XXXX XXXX has confirmed that they have no record of me, XXXX XXXX, in their database concerning this alleged debt. Moreover, XXXX XXXXXXXX XXXX is not currently a client of XXXX XXXX XXXX for debt collection purposes. 

Due to this fraudulent reporting, I have suffered financial damages exceeding {$8000.00} over the past 5 years. XXXX XXXX XXXX has not received any payment from me for this debt and will not receive any payment. I have meticulously documented every complaint, dispute, and incurred fee since this debt was first reported in XX/XX/year>.

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 2024-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX bank started a foreclosure procedure when we were finalizing a loan modification. As you can see from the attached I was on top of this loan modification from day XXXX. XXXX lost documents more than one time. This has been a disaster from day 1. Fifth Third has made error after error and now served us papers to the wrong address and embarrassed us in front of our friends staying there at our home and all our neighbors. Our credit and reputation has been destroyed and more. Our kids and we are getting calls saying our house is in foreclosure and do we want to sell. I have emails showing that I was waiting for them to help me with the proper dates of the first payment. I tried to make a payment and they would not accept it. Also now we had to hire an attorney which is difficult to afford. 

I truly hope you can help us!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: GA

Complaint narrative:
Previously filed a complaint due to in accuracy on credit report.


Company has still failed to report accurate information regarding payment statuses on this account. Previously did not pro
vide validation of debt within 30 days as required.

I am asking due to the violation of the fair credit reporting act that this account will be deleted as it is not reflecting, accurate statuses.

Creditor has had numerous times to get this correct even under a complaint through the CFPB and has still failed to do so.

Not only was I sold a lemon by this company, but was not even able to return it when I requested to within what they call a grace period that I was told did not exist at the time.

Regardless of them selling me a lemon it is not right that they are not abiding by the current fair credit reporting act.

They have had numerous times to get this account corrected and have failed to do so.

With that being said, I am requesting the account be permanently deleted off my credit report to avoid any legal action.

The creditor must also provide a free copy of the updated report. Which did not happen previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DriveTime
State: GA

Complaint narrative:
Previously filed a complaint due to in accuracy on credit report.

Company has still failed to report accurate information regarding payment statuses on this account.

Previously did not provide validation of debt within 30 days as required.

I am asking due to the violation of the fair credit reporting act that this account will be deleted as it is not reflecting, accurate statuses.

Creditor has had numerous times to get this correct even under a complaint through the CFPB and has still failed to do so.

Not only was I sold a lemon by this company, but was not even able to return it when I requested to within what they call a grace period that I was told did not exist at the time.

Regardless of them selling me a lemon it is not right that they are not abiding by the current fair credit reporting act.

They have had numerous times to get this account corrected and have failed to do so.

With that being said, I am requesting the account be permanently deleted off my credit report to avoid any legal action.

The creditor must also provide a free copy of the updated report. Which did not happen previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: TX

Complaint narrative:
Both parties agreed for me to pay amount and it would not be a charge off and it will be {$0.00} amount due and I completed my obligations but they did not report as such

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
BY LAW, a credit card company is required to identify all creditors on their customer billings by creditors names, transaction dates and associated reference numbers. Wells Fargos credit card division refuses to do so.

BY LAW, a credit card company ( under the terms of its contract ) is required to investigate any suspected fraudulent claims made by a creditor once that questionable purchase is charged to a customers credit card. In order to do such, BY LAW, a credit card company must BE ABLE to identify the suspected offender,

date of purchase/transaction and associated reference number ( used to research what was purchased ). Wells Fargos credit card division refuses to do so. I have recently learned that agents working for Wells
Fargo are prohibited from reviewing a customers entire business record and those same people are expected to resolve all customers problems and complaints ( with very limited information ). That maybe the true essence for my complaint; prohibiting a customer ( and FTC and CFPB ) from communicating directly with a Wells Fargo employee who has total access to a customers records. So, those uniformed agents rely on misdirection and deception.

Wells Fargo claims they are above the law on these issues and therefore, can harass their customers by utilizing highly unethical and illegal practices for unsubstantiated charges ( and to ignore the terms of their own contractual agreements ). I want to know why Wells Fargo deems itself above the law on all business transactions with its customers.

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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/year> I sent Experian, and XXXX a dispute about deleting incorrect personal information that is currently reflecting on my report. I never have lived at these places and some I do not recognize at all. They have yet to process my request and have ignored it.

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 2024-09-03 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:
Basis for dispute : **Inaccuracy of information. The charge off information reported is incorrect. **** Account Name : XXXX, Account Number : XXXX Hight Balance : Different amounts : {$2200.00} ( XXXX ), {$0.00} ( Experian ), {$1300.00} ( XXXX ). Date of Last Activity : Different dates : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ). Closed date : Only reported for XXXX and Two-Year Payment History : Significant discrepancies in payment history. The inclusion of this erroneous information is causing significant and unjustified harm to my credit history.

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