vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. 
I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to assure everything is being done to remove these fraudulent accounts from my report. Please be aware all required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. 
In addition, I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Please remove it from my credit report or Im seeking litigation please delete. 
XXXX  XXXX XXXX XX/XX/2024.

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 2024-04-23 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: GA

Complaint narrative:
I am requesting that it will be removed 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 2024-04-23 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I wrote all three bureaus and call each company that's reporting inaccurate information, I asked that the items be investigated and updated.There are things still on my reports. I have Know Knowledge of the Closed accounts, Hard inquiries, and Collections that I don't recognize. Please REMOVE all derogatory remarks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: FL

Complaint narrative:
I am writing to address the inaccurate reporting of my student loans on my credit report. My student loan debt has been fully discharged through the Borrower Defense Act as of XX/XX/2023. Federal Student Aid confirms that I have a {$0.00} balance on all six loans.

Upon discovering this discrepancy, I reached 
out to the loan servicer to inform them of the discharged status of my loans. However, they directed me back to Federal Student Aid, stating that they should reflect the same status. Subsequently, I initiated a dispute both with Federal Student Aid and the credit bureaus.

Despite following the proper dispute procedures and waiting the allotted 30 days, only three out of the six loans were removed from my credit report. I have made multiple attempts to contact XXXX XXXX without success.

Given that Federal Student Aid acknowledges that I no longer owe these loans, it is unjustifiable to continue damaging my credit by reporting them. I urge you to take immediate action to remove these erroneous and illegal accounts from my credit 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 non-monetary relief
Consumer complaint received 2024-04-23 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: CO

Complaint narrative:
I have been making additional auto-debit payments for my student loans starting XXXX XXXX. I had been under the impression that they would be applied to my principal, but found out in XXXX that they were being used as paid ahead payments. 

XX/XX/XXXX I sent a standing payment instruction for the additional amount. The response said it should take XXXX business days for the account to update. 

On XX/XX/XXXX I messaged saying I had not seen the changes reflected in my account. The online response XXXX said that I should call. So I called on XXXX and was told that the way I worded my request was incorrect. I verified that if I submitted the request that the previous payments would retroactively be applied to my principal. I submitted the correct request on XXXX, " This is a standing payment instruction : I request that the paid ahead status be removed from my account for my payments, including previous and future payments. The additional amount of {$240.00}. Disbursement date XX/XX/XXXX. Loan type : DL Consolidation Unsubsidized. I thought my additional payments were already paying down my current bill. I have submitted a previous request and called. The representative told me to phrase it this way '' I received the following message : Please allow XXXX business days for processing. Be advised all payments received takes XXXX business day to post to your account and an additional XXXX business days for reapplication of the payment requested. 

On XXXX I messaged asking about the status and received a response XXXX saying it was still in progress. This is much longer than the maximum 6 days cited in the message reply. 

On XX/XX/XXXX, still not having seen updates to my account, I called again. This time, the representative said they received my request and it would take XXXX  days to process it. When I asked about it being retroactively applied to the payments up until this point, they said no- they do not do that and I should stop paying extra in the meantime

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: GA

Complaint narrative:
On Experian it says that my name is listed as XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. 

It also says that my year of birth is XXXX when it is XXXX. 

There are also a number of addresses on the account that do not belong to me. 
The incorrect phone numbers have been disputed

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 2024-04-23 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:
I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-23 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: MD

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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: PA

Complaint narrative:
I have been receiving numerous and repeated calls, emails, and voicemails from your company regarding a debt that I have no knowledge of. Not only am I unaware of this debt, but the frequency and nature of your communications constitute harassment and are in violation of the FDCPA and the FCEUA. 
Under the FDCPA, consumers are protected from abusive, deceptive, and unfair debt collection practices. Specifically, it prohibits communication at unusual times or places, excessive communication meant to harass, and any form of threat or use of violence. The FCEUA reinforces these protections and clearly states that debt collectors and creditors may not engage in unfair or deceptive acts or practices while attempting to collect debts. 
Please be advised that I am aware of my rights and that your actions are in violation of these laws. I demand that you immediately stop all communication with me, except to inform me that your debt collection efforts are being terminated or that you or the creditor are taking specific actions allowed by the FDCPA and FCEUA. XXXX XXXX has spoken to a family member that has answered the phone and has identified themselves which is a clear violation. I have no clue about this debt. I have been dealing with identity theft due to numerous data breaches and have been trying to clean my credit up ever since due to fraudulent accounts on my credit reports. I noticed this debt has went through a few companies to collect a payment on a debt that I have no knowledge of. XXXX XXXX aka Velocity Investments Inc has been beyond harassing. I want all communication to cease and I want this account deleted from my credit report as soon as possible. Please provide proof you have legal grounds to harass people in Pennsylvania. I want to know names and proof you have legal rights to collect debts in Pennsylvania.

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 2024-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am writing to dispute the validity of a collection account appearing on my credit reports. According to my XXXX and Experian credit reports, there is a collection account listed with the following details : Account Type : Charge Card Account Status : Indeterminate Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Payment Status : Charge-off Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX I am disputing this collection account for the following reasons : Inaccurate Reporting : The information regarding this collection account is inaccurate. I have never held a charge card account with XXXX, and I dispute the validity of this account. 
Lack of Documentation : I have not received any communication or documentation regarding this alleged debt. Therefore, I am requesting that you provide detailed documentation validating the existence of this debt, including the original creditor 's name, the amount owed, and any relevant account statements. 
Indeterminate Account Status : The account status is listed as " Indeterminate, '' which raises questions about the accuracy and validity of this entry on my credit reports. I request clarification regarding the status of this account. 
As per my rights under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. If you are unable to provide sufficient verification of this debt within 30 days, I request that this collection account be removed from my credit 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 explanation
Consumer complaint received 2024-04-23 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: PA

Complaint narrative:
FCRA 605B says we got ta erase wrong stuff from my credit report. Can you look at the papers? Some accounts listed are wrong about what they say, like the money and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: PA

Complaint narrative:
FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Could you kindly review the documentation? Several of the accounts listed exhibit inaccuracies in reporting, including erroneous amounts and dates.

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 2024-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I request the removal of these inquiries. My understanding of this matter is limited, and the company acted without consulting me.

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 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I've consistently made sure payments on this account are timely, avoiding any overdue situations. I'm uncertain why there are reports of late payment comments on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Ensuring payments are always made on time for this account has been my priority, preventing any instances of lateness. I'm puzzled by reports indicating late payment notes on my accounts. As per 15 USC 1666b - Billing Error, rectifications are necessary.

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
This account was charged off on the following date ( XX/XX/2019 ) since then the payment history is inaccurate and I never made a payment on that account. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. I am demanding a deletion of the following account : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2024-04-23 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: NY

Complaint narrative:
Subject : Request for Immediate Removal of Late Payments from Credit Report Pursuant to Consumer Law To Whom It May Concern, I am writing to request the immediate removal of late payments from my credit report in accordance with consumer law, specifically 15 U.S. Code 1666b, 15 U.S.C. 1681a ( 2 ) ( I ), and 15 U.S. Code 6802. Upon reviewing my credit report, I have identified late payments that are inaccurately reported and must be removed promptly to avoid further harm to my creditworthiness. 

I request the removal of the following late payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I assert that these late payments are inaccurately reported and violate my rights under consumer protection laws for the following reasons : 1. Violation of Consumer Law : Consumer protection laws, including 15 U.S. Code 1666b, safeguard consumers from unfair credit reporting practices. The reporting of inaccurate late payments on my credit report constitutes a violation of these laws.

2. Accuracy Requirement : According to 15 U.S.C. 1681a ( 2 ) ( I ), consumer reporting agencies are required to ensure the accuracy of the information they report. The inclusion of inaccurate late payments on my credit report fails to meet this requirement.

3. Privacy Protection : 15 U.S. Code 6802 aims to protect consumers ' privacy rights by ensuring the accuracy and confidentiality of their personal information. The reporting of inaccurate late payments compromises my privacy rights and must be rectified immediately.

I demand that you take immediate action to remove the inaccurate late payments from my credit report and provide me with written confirmation of their removal within [ specify a reasonable timeframe, e.g., 10 business days ] days of receipt of this letter.

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: Westlake Services, LLC
State: MI

Complaint narrative:
I reached out to XXXX to get proof of application they never returned my call.

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 2024-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize, account names below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2024-04-23 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize, account names below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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