vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-28 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I see fraudulent accounts or charges appear on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 2024-10-28 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: GA

Complaint narrative:
I have called To request that they removed mis spelled name and old address and employer from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: FL

Complaint narrative:
In XX/XX/year>, I experienced an issue with XXXX XXXX XXXX involving an amount of {$1700.00}. I noticed a problem with this transaction and took action by filing a complaint. Despite this, the issue remains unresolved, and I have not received a satisfactory response or solution from the company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: TX

Complaint narrative:
I am writing to formally dispute the reporting of the following account on my credit report : Creditor : XXXX XXXX XXXX XXXX. This account has been inaccurately reported and must be removed immediately. I have notified XXXX XXXX XXXX multiple times that I have no financial obligation to the original creditor listed. Additionally, it has come to my attention that the original creditor from whom XXXX XXXX XXXX purchased the debt is not registered to operate in XXXX, and its authority to conduct business has been forfeited. This raises serious concerns regarding the validity and enforceability of the debt in question. Both XXXX and XXXX have removed this account from my credit report. I request that TransUnion follow suit to ensure the accuracy of my credit file in accordance with the Fair Credit Reporting Act ( FCRA ), which entitles me to protection from the reporting of false or unverifiable information. Moreover, XXXX XXXX XXXX 's continued reporting and collection efforts are both harassing and deceptive. I would like to bring to your attention XXXX XXXX XXXX XXXX XXXX, in which the court ruled against a collection agency that failed to verify and accurately report information. This precedent supports my position that this account must be removed immediately. Please cease reporting this account on my credit report, as its presence is both unlawful and damaging to my credit standing. I am maintaining a complete record of all correspondence related to this matter. If this issue is not resolved promptly, I am prepared to escalate my complaint and consider additional legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
To Whom It May Concern at the CFPB, I am submitting a complaint regarding Portfolio Recovery Associates for their failure to validate a debt they reported on my credit. This account, listed as a closed collection/charge-off with a balance of {$1100.00}, is negatively impacting my credit report. 

Account Information : Creditor : Portfolio Recovery Associates Account Number : XXXX Balance Owed : ** {$1100.00} Summary of Issue : I have never done business with Portfolio Recovery Associates XXXX nor have I received validation or documentation to confirm this debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to verification, and without validation, I can not confirm my liability for this account. 


XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: FL

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: FL

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a p
ayment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: NC

Complaint narrative:
I'VE RECENTY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/year>, I received notification of a hard inquiry on my Equifax credit report. I did not initiate this inquiry and when I checked my my.equifax.com account, I saw that my contract information ( email and phone number ) where changed and the freeze on my report was lifted without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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 writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered 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 non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: OR

Complaint narrative:
Mohela only forgave part of my loan. Then when I sent a complaint, they were in the midst of changing their website. My complaint was cancelled because of this. 
Mohela had separated my loan into subsidized and unsubsidized, both of which are eligible for forgiveness. I paid over the 120 qualifying payments. The paperwork came from Mohela. Both should have been forgiven. One of them has not been.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: KY

Complaint narrative:
JEFFERSON CAPITAL SYSTEM XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/year> Responsibility Individual Account Account Type Open Account Loan Type XXXX XXXX ACCOUNT Balance {$940.00} Date Updated XX/XX/year> High Balance {$940.00} Original Creditor XXXX XXXX Past Due {$940.00} Pay Status >Collection< Estimated month and year this item will be removed XXXX  Remarks Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTION<

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: 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 non-monetary relief
Consumer complaint received 2024-10-28 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/XXXX It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 

Account Status : XXXX : Closed with " Charged off as bad debt. '' XXXX : XXXX shows as XXXX and " Past due 150 days. '' Equifax : Closed with " Charge-off. '' Issue : There is inconsistency in whether the account is reported as open or closed. Since its marked as a charge-off, it should likely be consistently marked as closed across all bureaus. 

Closed Date : XXXX : XX/XX/XXXX. 
XXXX : No closed date listed. 
Equifax : XX/XX/XXXX. 
Issue : The closed date should ideally match or be close across all three bureaus. The absence of a closed date in XXXX creates inconsistency. 

Payment Status : XXXX : Marked as a charge-off with no recent payment status. 
XXXX : Shows " Past due 150 days '' but does not specify charge-off. 
Equifax : Lists " Charge-off. '' Issue : Payment status should align, especially since it's charged off.

Payment History Reporting : XXXX : No payment history is reported ( " None Reported '' ). 
XXXX : Lists a continuous charge-off status ( CO ) from XX/XX/XXXX through XX/XX/XXXX, with a " XXXX '' day late mark in XX/XX/XXXX. 
Equifax : Shows XXXX XXXX late entries for XXXX and XX/XX/XXXX, then no further payment history after that until XX/XX/XXXX, which shows as " OK. '' The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. 

Please update my credit report accordingly and provide me with a confirmation of these corrections. 

Thank you for your prompt attention to this matte

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/XXXX It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 

Account Status : XXXX : Closed with " Charged off as bad debt. '' Experian : Status shows as Open and " Past due 150 days. '' XXXX : Closed with " Charge-off. '' Issue : There is inconsistency in whether the account is reported as open or closed. Since its marked as a charge-off, it should likely be consistently marked as closed across all bureaus. 

Closed Date : XXXX : XX/XX/XXXX. 
Experian : No closed date listed. 
XXXX : XX/XX/XXXX. 
Issue : The closed date should ideally match or be close across all three bureaus. The absence of a closed date in Experian creates inconsistency. 

Payment Status : XXXX : Marked as a charge-off with no recent payment status. 
Experian : Shows " Past due 150 days '' but does not specify charge-off. 
XXXX : Lists " Charge-off. '' Issue : Payment status should align, especially since it's charged off. 

Payment History Reporting : XXXX : No payment history is reported ( " None Reported '' ). 
Experian : Lists a continuous charge-off status ( CO ) from XX/XX/XXXX through XX/XX/XXXX, with a " XXXX '' day late mark in XX/XX/XXXX. 
XXXX : Shows XXXX XXXX late entries for XXXX and XX/XX/XXXX, then no further payment history after that until XX/XX/XXXX, which shows as " OK. '' The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. 

Please update my credit report accordingly and provide me with a confirmation of these corrections. 

Thank you for your prompt attention to this matte

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: TX

Complaint narrative:
At the beginning of this year I requested from all the major credit report companies my credit report because I notice while checking XXXX XXXX, that it said I had {$64000.00} in XXXX loans debt when I reconfirmed then and again today with my federal XXXX XXXX provided XXXX that my account balance is only {$30000.00} dollars. Plus its just impossible for me to have that much debt when I got the maximum amount of loans I could four years ago in XX/XX/XXXX. XXXX XXXX XXXX and TransUnion are reporting that I opened more XXXX XXXXoans years after my graduation date including on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I requested the a credit report via mail in XXXX I believe because thats the only free option they gave me. XXXX and XXXX both mailed me the report but I never received my report in the mail from TransUnion and I can prove this because both the XXXX and XXXX reports have exact same date for when the report was made. I then submitted a dispute via XXXX XXXX, which notified TransUnion on XX/XX/XXXX, that I believed my entire report was incorrect but all they did was change a the single loan that the dispute is attached to because you cant dispute more than one loans at a time and it takes at least a month for the dispute to be processed. Around this time I was literally getting promoted to be a XXXX so I let the matter go for some months till now again seeing TransUnion and XXXX XXXX are seemingly adding my brotherXXXX XXXX loans and other personal/auto debt onto my credit report and I believe its ruining my chances of getting loans to start my own business or simply getting credit cards or anything having to do with credit. After sending a dispute sayingy entire report was wrong they only changed a single loan on my statement. I explicitly expressed that the entire report was wrong. And honestly I dont even know how long its been since theyve been misreporting my loans.

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