vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-09 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:
Account was paid on time as agreed never late! Payment was reversed from Bank and XXXX days later I noticed decrease in score! I contacted agency to square this away and they told me to contact bureau!

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 2024-01-09 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: GA

Complaint narrative:
It has come to my attention that these delays and the lack of resolution are potential violations of federal law, specifically the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681e ( b ). This section mandates that consumer reporting agencies must adhere to reasonable procedures to ensure the maximum possible accuracy of the information in a consumer report. Given this, I kindly requested that Experian provide me with a detailed description of the investigation process as outlined in 15 USC 1681i, Section 611 of the Reinvestigation Procedure.

I must emphasize that, as per 15 USC 1681i, Section 611, a consumer reporting agency is obligated to furnish the consumer with a description of the investigation no later than 15 days after receiving a request. Unfortunately, this timeline has elapsed without any communication or compliance from Experian. 

Furthermore, I draw attention to 15 USC 1681, which addresses the treatment of inaccurate or unverifiable information in general. It stipulates that upon completion of a reinvestigation, if any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency is required to promptly delete or modify the relevant item of information. To my dismay, there has been no such corrective action taken by Experian. 

These persistent issues not only violate federal law but also inflict significant harm on me and my family. The evidence and documents submitted to Experian and other credit reporting agencies have not received due process, thereby undermining my consumer protection rights. 

I urgently request your immediate attention to this matter and a comprehensive investigation into the inaccuracies on my credit report. As a consumer seeking fair and accurate credit reporting, I anticipate your prompt adherence to the FCRA guidelines outlined in this letter. 

I look forward to a swift resolution and appreciate your cooperation in rectifying this situation.

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 2024-01-09 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: NY

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-09 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: LA

Complaint narrative:
I am writing to formally dispute unauthorized accounts on my credit report. I recently obtained a copy of my credit report and discovered two accounts that I did not authorize or open. These accounts are : XXXX XXXX - XXXX XXXX XXXXXXXX XXXX  I believe these accounts were opened fraudulently in my name. I have never applied for, nor have I authorized anyone else to apply for credit products with XXXX XXXX XXXX XXXX XXXX  or XXXX XXXX. 

I request that these fraudulent accounts be thoroughly investigated and removed from my credit report as they are inaccurately reflecting my credit history and negatively impacting my credit score. 

To resolve this issue, I am requesting that : A fraud alert be placed on my credit file. 

These fraudulent accounts be blocked from my credit report. 
I receive written confirmation of the removal of these accounts. 
I am also forwarding this letter to XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX  for their immediate attention and resolution. I expect a prompt response from your agency regarding this matter. Under the Fair Credit Reporting Act, you are required to complete this process within 30 days of receipt of this letter. 

Thank you for your prompt attention to this serious matter. Please contact me if you need any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment 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
Consumer complaint received 2024-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment 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 non-monetary relief
Consumer complaint received 2024-01-09 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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 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: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2024-01-09 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: NY

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ZWICKER & ASSOCIATES
State: OR

Complaint narrative:
I will upload a PDF of this, in case the formatting gets lost : I recently wrote to Zwicker and Associates in response to their debt collections letter, and I called today to confirm receipt. 

They wouldn't answer a simple Yes or No unless I'd give them my SSN or year of birth, in order to " verify '' whos calling. I responded that, as neither of those were on the letter I responded to, they cant be used as verification... 

However, I did offer to tell them the File ID number on the letter I was responding to But the representative wouldn't accept the File ID number as verification! 

The representative continued asking me questions which were, seemingly, an attempt to get me to admit to owing a debt or to identify myself as the corporate fiction called XXXX XXXX. This was both unethical and unnecessary, as I had offered to provide the File ID number as well as the name of the credit card company and account number shown on their letter to me. 

I clarified, several times, that all I'm trying to verify is whether they received the letter I sent in the mail, and, if they have NOT received it, then all I'm asking for is an email address to resend the letter to. 

They refused to provide an email address unless Id give them my year of birth or the last 4 digits of my corporate fictions social security number. 

I asked whether they have special email addresses based on people 's birth year or social security number? They said no, but they can't just give out their email address to anyone. 

I asked to speak to a supervisor... And he, too, refused to provide an email address where I could resend my response to their debt collection letter, unless I could provide him with sensitive, irrelevant information. 

Well, I was hoping to email my letter to them to ensure they receive my response ; however, as they are unwilling to cooperate with a simple, easy, and undeniably reasonable request, then I will use other means to communicate and provide proof of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: MD

Complaint narrative:
Each of my student loans were charged incorrect interest. Below are the amounts. 
Loan 1 : Principle : {$2300.00} Interest Rate:3.4 % Daily Interest Rate : {$.00} Interest Charged for 9 days since last payment : {$65.00} Interest That Should've been charged : {$1.00} ( {$.00} x XXXX ) Overcharged : {$63.00} Loan 2 : Principle : {$2300.00} Interest Rate:3.4 % Daily Interest Rate : {$.00} Interest Charged for 9 days since last payment : {$70.00} Interest That Should've been charged : {$1.00} Overcharged : {$63.00} Loan 3 : Principle : {$1600.00} Interest Rate:6.8 % Daily Interest Rate : {$.00} Interest Charged for 9 days since last payment : {$100.00} Interest That Should've been charged : {$2.00} Overcharged : {$98.00} Loan 4 : Principle : {$1300.00} Interest Rate:6.8 % Daily Interest Rate : {$.00} Interest Charged for 9 days since last payment : {$79.00} Interest That Should've been charged : {$2.00} Overcharged : {$77.00} Loan 5 : Principle : {$330.00} Interest Rate:6.8 % Daily Interest Rate : {$.00} Interest Charged for 9 days since last payment : {$16.00} Interest That Should've been charged : {$.00} Overcharged : {$16.00} Total overcharges for interest of {$310.00} in ONE MONTH. This is absolutely insane. To speak with a rep on the phone takes hours and hours that I do not have. I just received a response from them last time I complained months ago. Please help. They're going to be accruing interest after interest on interest each month until I can never pay this off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
In XXXX I took 2 XXXX XXXX XXXX XXXX loans, XXXX and XXXX totaling XXXX. Loan # XXXX. My son graduated in XXXX and I began making payments and have evidence of such payments. I filed a dispute with FSA in XXXX because regardless of how many payments I made in the amount of XXXX the principal balance continued to increase and received evidence of payments but no further action was taken. When I filed bankruptcy in XXXX the loans were not included and the balances continued to increase and I continued to make payments. Now comes a company called Aidvantage that bought the loans from XXXX XXXX apparently and I still am showing a balance of XXXX which is more than twice the amount that was borrowed in the first place and gives no consideration for 16 years of payments. Please assist in getting this balance forgiven and removed from my credit report as it now shows a past due balance. Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: MS

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2024-01-09 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: LA

Complaint narrative:
I am writing to formally dispute unauthorized accounts on my credit report. I recently obtained a copy of my credit report and discovered two accounts that I did not authorize or open. These accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe these accounts were opened fraudulently in my name. I have never applied for, nor have I authorized anyone else to apply for credit products with XXXX XXXX XXXX XXXX XXXX or XXXX XXXX. 

I request that these fraudulent accounts be thoroughly investigated and removed from my credit report as they are inaccurately reflecting my credit history and negatively impacting my credit score.

To resolve this issue, I am requesting that : A fraud alert be placed on my credit file.

These fraudulent accounts be blocked from my credit report.

I receive written confirmation of the removal of these accounts. 
I am also forwarding this letter to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX for their immediate attention and resolution. I expect a prompt response from your agency regarding this matter. Under the Fair Credit Reporting Act, you are required to complete this process within 30 days of receipt of this letter.

Thank you for your prompt attention to this serious matter. Please contact me if you need any additional information.

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 2024-01-09 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: LA

Complaint narrative:
I am writing to formally dispute unauthorized accounts on my credit report. I recently obtained a copy of my credit report and discovered two accounts that I did not authorize or open. These accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe these accounts were opened fraudulently in my name. I have never applied for, nor have I authorized anyone else to apply for credit products with XXXX XXXX XXXX XXXX XXXX or XXXXXXXX XXXX. 

I request that these fraudulent accounts be thoroughly investigated and removed from my credit report as they are inaccurately reflecting my credit history and negatively impacting my credit score. 

To resolve this issue, I am requesting that : A fraud alert be placed on my credit file. 

These fraudulent accounts be blocked from my credit report. 
I receive written confirmation of the removal of these accounts. 
I am also forwarding this letter to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX for their immediate attention and resolution. I expect a prompt response from your agency regarding this matter. Under the Fair Credit Reporting Act, you are required to complete this process within 30 days of receipt of this letter. 

Thank you for your prompt attention to this serious matter. Please contact me if you need any additional information.

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 2024-01-09 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: MS

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are accounts under my name that is a result of Identity Theft as well as inquiries that I have no direct engagement with. I have already files the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see attached documents for these accounts i am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: LEXISNEXIS
State: GA

Complaint narrative:
I told lexis nexis to opt out from all my information and not to share any of my data or sell anything that has to do with my name. I contact them many times and now reported them to the FTC. My name is copyright

Company response to consumer: Closed with explanation