vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 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: PA

Complaint narrative:
I Disputed Inaccurate and incomplete XXXX XXXX Account XXXX XXXX XXXX and Equifax disputing the inaccurate information on my credit report that pertains to my account with [ XXXX XXXX, ACCOUNT NUMBER XXXX ]. After reviewing my consumer credit file with my home loan officer I have found that my account is not being reported accurately, and this misinformation is negatively affecting my creditworthiness. 

The following discrepancies have been identified : the account doesn't show up on 2 of my consumer credit reports and These inaccuracies are causing significant harm to my credit score and ability to secure favorable terms or funding in my home buying process, in fact it present a distorted picture of my financial responsibility.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I am entitled to have all information contained in my credit report be accurate and verifiable. Furthermore, 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies must maintain procedures to ensure that the information they report is as accurate as possible. By failing to accurately report my account, the credit bureau is in violation of these provisions of the FCRA.

Additionally, under 15 U.S.C. 1681s-2 ( a ), data furnishers ( XXXX and Equifax ) are required by Law to provide accurate information on my consumer credit report and If there is an error in the reporting of the account as seen in the attached file, the credit bureau has the obligation to correct this discrepancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX, MA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute and Removal Request for Unauthorized Hard Inquiries Dear XXXX, I hope this letter finds you well. I am writing to formally dispute several hard inquiries listed on my credit report. Upon reviewing my credit profile, I discovered multiple inquiries that I did not authorize nor recognize. These inquiries are adversely impacting my ability to secure new credit and are unjustifiably affecting my creditworthiness. 
Inquiries : XXXX. XXXX OF XXXX Inquired on XXXX, XXXX XXXX. XXXX Bank XXXX XXXX on XX/XX/XXXX XXXX. Seen XXXX Inquired on XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX CO XXXX XXXX XXXX XXXX XXXX. XXXX CO XXXX XXXX XXXX XXXX As per the Fair Credit Reporting Act, I am entitled to dispute any inaccurate or unauthorized information present on my credit report. Therefore, I kindly request that the unauthorized hard inquiries be promptly investigated and removed from my credit report. 
I emphasize the urgency of this matter and request that these inquiries be expunged from my credit report within 30 days. Such timely action is essential to restoring the accuracy and integrity of my credit profile and ensuring fair access to credit opportunities. 
Enclosed with this letter, please find copies of my credit report highlighting the disputed inquiries, along with any supporting documentation that may aid in your investigation.

I appreciate your attention to this dispute and anticipate confirmation of the removal of these unauthorized inquiries from my credit report within the stipulated timeframe. 
Thank you for your prompt assistance in resolving this matter. 
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 explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-01-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Against Experian for Inaccurate Late Payment Reporting on Account XXXX Dear CFPB, I am filing this formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX under the creditor XXXX Despite multiple requests for correction, dated XX/XX/XXXX and XX/XX/XXXX, no changes have been made. This lack of action violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), causing undue harm to my creditworthiness. 
Details of the Reported Late Payments : Experian : Late payment reported in XX/XX/XXXX. 
Legal Violations and Evidence : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S. Code 1681i : Credit reporting agencies are required to ensure the accuracy of the information in consumer files. The late payment reported in XX/XX/XXXX is inaccurate and has not been corrected despite multiple disputes. 
15 U.S. Code 1681e ( b ) : Credit bureaus must follow reasonable procedures to ensure maximum accuracy of credit report information, which has not been upheld in this case.

Truth in Lending Act ( TILA ) Violations : 15 U.S. Code 1666b : Creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate reporting of the late payment suggests noncompliance with this requirement, violating consumer rights to timely and accurate disclosures. 
XXXX XXXX XXXX of Obligations XXXX ( XXXX ) : This act emphasizes the responsibility of creditors to provide timely and accurate statements, preventing unfair penalties to consumers. The erroneous late payment on this account violates these protections. 
XXXX XXXX : XXXX removal of the inaccurate late payment notation for XX/XX/XXXX from my credit report. 
Written confirmation from Experian that this correction has been made. 
If this issue is not resolved promptly, I will escalate this matter further, including filing additional complaints with the appropriate regulatory agencies and pursuing legal action if necessary. 
I have attached copies of my previous dispute letters, the relevant sections of the law, and supporting documentation for your reference. 
Thank you for your attention to this matter. 
Sincerely, XXXX 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 explanation
Consumer complaint received 2025-01-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Against Experian for Inaccurate Late Payment Reporting on Account XXXX Dear CFPB, I am filing this formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX under the creditor XXXX. Despite multiple requests for correction, dated XX/XX/XXXX and XX/XX/XXXX, no changes have been made. This lack of action violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), causing undue harm to my creditworthiness. 
Details of the Reported Late Payments : Experian : Late payment reported in XX/XX/XXXX. 
Legal Violations and Evidence : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S. Code 1681i : Credit reporting agencies are required to ensure the accuracy of the information in consumer files. The late payment reported in XX/XX/XXXX is inaccurate and has not been corrected despite multiple disputes. 
15 U.S. Code 1681e ( b ) : Credit bureaus must follow reasonable procedures to ensure maximum accuracy of credit report information, which has not been upheld in this case.

Truth in Lending Act ( TILA ) Violations : 15 U.S. Code 1666b : Creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate reporting of the late payment suggests noncompliance with this requirement, violating consumer rights to timely and accurate disclosures. 
XXXX XXXX XXXX of Obligations XXXX ( XXXX ) : This act emphasizes the responsibility of creditors to provide timely and accurate statements, preventing unfair penalties to consumers. The erroneous late payment on this account violates these protections. 
Resolution Sought : Immediate removal of the inaccurate late payment notation for XX/XX/XXXX from my credit report. 
Written confirmation from Experian that this correction has been made. 
If this issue is not resolved promptly, I will escalate this matter further, including filing additional complaints with the appropriate regulatory agencies and pursuing legal action if necessary. 
I have attached copies of my previous dispute letters, the relevant sections of the law, and supporting documentation for your reference. 
Thank you for your attention to this matter. 
Sincerely, XXXX 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 explanation
Consumer complaint received 2025-01-11 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: MN

Complaint narrative:
In XX/XX/XXXX I applied for the extended standard payment plan, my payment should be {$920.00}. After getting this approved in XXXX, I submitted a request to have all my loan due dates moved to the XXXX of the month so when my auto debit goes out i have 1 day that the ach hits my bank account. I approved a 1 month forbearance and my payment due would begin XX/XX/XXXX. I paid interest accruing during this time and always check the do not advance my payment more that 1 month box. But my due dates got all messed up, my auto debit got set to {$1300.00} and never fixed. I had reached out several times and was just told for the website to update. I cancelled my auto debit on XX/XX/XXXX because it would have over drawn my bank account because the amount never got fixed. Forbearance that i didn't approve i got approval letters for and my XXXX XXXX interest rate deduction wasn't ever updated for ACH. My statements also show the wrong monthly payment amount. my wife and i talked to a nelnet manager and he just ran us in circles and the items he sent weren't updated or accurate as promised. I just want to be able to have ach payments set up for my proper amount, my due dates not messed up when i pay extra principle on a specific loan, and my XXXX XXXX interest rate to be applied properly when i can reset up auto debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX I completed a dispute on Citizens bank mobile app. The total amount of dispute was for {$460.00}. 

During the morning hours of XX/XX/XXXX I logged into the app and saw a provisional credit was added to my account. Later that day I went to use funds in my account and it was declined. 

I logged into the app and see a miscellaneous charge for {$460.00} which was the provisional credit being reversed. 

I contacted Citizens and was informed my dispute was closed. 

I received a letter ( attached ) dated XX/XX/XXXX stating a provisional credit was applied to my account. Two days later I received another letter stating my claim was denied and the provisional credit would be reversed on XX/XX/XXXX. 

I communicated the error with the bank and nothing resulted from my multiple calls. The bank issued a provisional credit and the same day the provisional credit was reversed. 

Customers should receive notice with a date stating when a provisional credit will be reversed. 

XX/XX/XXXX I received a letter ( attached ) that they conducted a second review and wasnt in my favor. It also stated that provisional credit was reversed on XX/XX/XXXX. My account did not reflect that. The provisional credit was reversed prior to the date on the letter. 


The process with disputes and issuing/reversing provisional credits seems to very misleading and unjust.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Inaccurate payment history I was never late I was always on time XXXX XXXX Opened XX/XX/year> {$0.00} I am writing to formally dispute the accuracy of the reporting related to the above-referenced account under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing the claim that this account was ever delinquent or late in any of its payments. 

The account in question, opened on XX/XX/year>, has a {$0.00} balance, and I have consistently fulfilled my payment obligations in a timely manner. There have been no late payments recorded during the lifetime of this account. Accordingly, I request that the accounts payment history reflects this fact and that any negative information be corrected immediately to state that the account was paid on time and in good standing. 

Under the FCRA ( 15 U.S.C. 1681i ), I am entitled to an investigation into the disputed information. Furthermore, under the FDCPA ( 15 U.S.C. 1692e ), it is unlawful to report inaccurate or misleading information to credit reporting agencies. The inaccurate reporting of my payment history is a violation of these provisions. 

I have attached all relevant documentation, including account statements and proof of payment, to support my claim. Please conduct a thorough investigation into this matter and correct the erroneous information on my credit report. I expect confirmation in writing that the corrections have been made. 

If the negative reporting persists without correction, I will consider pursuing further action, as I am entitled to seek remedies under both the FDCPA and the FCRA. 

Thank you for your prompt attention to this matter. Please respond within the 30-day period mandated by law. 

Respectfully XXXX XXXX XXXX XXXX Without Prejudice

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 2025-01-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: VW Credit
State: MI

Complaint narrative:
Got a XXXXXXXX XXXX  XXXX XXXX from XXXX XXXX XXXX in XXXX XXXXXXXX XXXX 
I purchased extra benefits such as tire and rim coverage, special internal and external protection. I purchased home electric charger. Included with the lease was a contract with electrifying America to ensure I didn't have to no longer pay for fuel or for anything additional other than regular maintenance. 
Their was several recalls, but none of the dealerships have loaners nor do they have the parts or the techs to service these vehicles. Any time the car has to go in to service or for any issues it takes extremely long to get your vehicle returned. 
I got an electrical malfunction default code and the vehicle stated to contact dealer. I had the vehicle towed on XX/XX/2023. I had to call every week serval times a week to get updated, which most of the time was no information. Each person i spoke to had no answers in the status of the ETA of when I could get my vehicle back. I had no car to drive and was forced to get cabs, ubers, lyfts, or hitch rides. My car not is XXXX. 
This was affordable and within reason considering not having fuel and oil change and other maintenance costs. However, I've spent over XXXX in getting my family transported as well as an additional XXXX in fuel. And I still don't have a ETA when I'll receive my car back. I no longer want to pay the note and insurance and other monthly expenses for the lease and I do not have possession, nor have no way of knowing when I can get back. This is unfair, one service persons response to me asking when will I be able to at least get a loaner as I Can't keep paying for rentals and extra rides for my family, he said, no time soon, his name is XXXX works at the dealership in XXXX. I only prefer to take my car to the dealer i purchase from to get the perks and benefits that you should get from going to your " home dealer '' but that's no the case. I initially took the vehicle to XXXX XXXX hills but when they got it in they told me it would be months. I then contacted XXXX and they told Ms they would diagnose it has week. It's been months And I still don't have my XXXX XXXX. I want to be reimbursed for my inconvenience all the fuel, the lyfts/ubers/turos the rental cars I've had to get. Not to mention paying my note and insurance for months without access or possibility of operating my car or even one that was comparable. I've been taken advantage of and I'm not being treated with fairness. I feel my rights are being violated. I've never been late, all of my end of the deal I've kept my end XXXX has not kept the contract we agreed to

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX - XXXX XX/XX/XXXX {$640.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX, after reviewing a full copy of my credit report there were multiple accounts i noticed that weren't accurate. On XX/XX/XXXX an XXXX XXXX XXXX  was reported with a current balance of {$3300.00}. On XX/XX/XXXX an XXXX XXXX XXXX was reported with a current balance of {$470.00}. On XX/XX/XXXX a XXXX XXXX MANAGM was reported with a current balance of {$610.00}. On XX/XX/XXXX a XXXX XXXX XXXX was reported with a current balance of {$3700.00}. Finally, on XX/XX/XXXX a XXXX XXXX XXXX was also reported with a current balance of {$830.00}.

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 2025-01-11 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Good Morning, after reviewing a full copy of my credit report there were multiple accounts i noticed that weren't accurate. On XX/XX/XXXX an XXXX XXXX XXXX was reported with a current balance of {$3300.00}. On XX/XX/XXXX an XXXX XXXX XXXX was reported with a current balance of {$470.00}. On XX/XX/XXXX a XXXXXXXX XXXX XXXX was reported with a current balance of {$610.00}. On XX/XX/XXXX a XXXX XXXX XXXX  was reported with a current balance of {$3700.00}. Finally, on XX/XX/XXXX a XXXX XXXX XXXX was also reported with a current balance of {$830.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent Account # XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-01-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent Account # XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation