vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern : I recently reviewed my credit profile and noticed inaccuracies and/ or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA-you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations. 

The FOLLOWING derogatory accounts allegations are UNVERIFIED, INCORRECT, NOT MINE, NOT MY RESPONSIBILITY and NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infraction is as follows : XXXX Account # XXXX By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that the above-mentioned derogatory item be investigated and permanently removed from my report. 

I await your reply with the above requested proof. 

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 2025-02-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Although the debt was illegally submitted with my information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: MO

Complaint narrative:
In XXXX, I received a letter from Mohela stating that my student loans of over {$28000.00} had been forgiven and I then had a {$0.00} balance. A few months later I reviewed by credit report and noticed that the loans were still being reported at {$29000.00} so I submitted a dispute with XXXX and XXXX. I uploaded the forgiveness letter I had received to both companies. Sometime in XX/XX/year>, I noticed that the loan had been updated to {$0.00} balance on my XXXX report but still reflected on my XXXX. In XXXX of XXXX, I submitted another dispute with XXXX and in XX/XX/year> I received information that the debt was verified but the balance had been updated to {$0.00} balance. I am trying to purchase a home so I was reviewing my credit score and noticed it had dropped significantly and the report reflected the {$29000.00} from Mohela was back on the XXXX credit report. I contacted XXXX and was told they just report what creditors submit to them so I had to do another dispute to have this removed. I then logged in to my Mohela account and the account still reflects {$0.00} balance. I tried contacting Mohela but could not speak with anyone due to the XXXX hour wait.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: GA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. 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.

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 explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. 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.

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 2025-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DHI Mortgage Company
State: FL

Complaint narrative:
On XXXX I started a process with DHI mortgage where I authorized with my personal information, social security, and another details they asked for, after a few days I noticed on XXXX XXXX specifically on XXXX that they did not XXXX but XXXX Hard inquiries, I contacted them immediately and they said it was only XXXX verification not XXXX, I waited more time to see if it erase from my report on XXXX, I contacted with DHI mortgage and they don't give me a solution, Today I called XXXX to try and resolve the Hard inquiries and they explained that they can't do anything about it since I consented that company to check my credit and their the only ones that can remove that

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
My complaint is with Experian, the credit monitoring agency. I have had my credit frozen with this agency for a long time. They have screwed up my account somehow and I am unable to log in to my account or access a credit report. I sent them a letter with all of the information they said they needed to re-establish my identity and reset my account in XXXX. They did not respond until XXXX with an unhelpful email just directing me back to their general number with instructions to unfreeze my credit, not addressing my concern with being able to log in at all. On their website, their resets simply don't work ( codes to re-establish my user ID or password are never sent ), or clearly have erroneous information on my account despite my setting a credit freeze several years ago. It is impossible to get through their voice bot to get to a human to fix the log in information. They send links to websites to reset the password that don't work. 

This company seems to rely completely on computer generated letter responses and voice bots that do not address my login problem at all, denying me the ability to receive any information regarding my credit, as federal law requires them to provide.

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-04 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Bureau Services Association
State: TX

Complaint narrative:
The company provided a statement saying they don't own the debt but they are acting as the third part collector. Under privity of contract between me and the alleged original creditor, can you show me where you all were NAMED SPECIFICALLY inside the terms and condition of the original contract that you sent. You can not enforce a clause that you are not named upon. Please provide this information because I do not see it on the original documentation you sent over.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : **Formal Complaint Regarding Inaccurate Credit Reporting and Data Breach** To Whom It May Concern, I am writing to formally file a complaint regarding the ongoing failure of Experian, TransUnion, and Equifax to correct significant inaccuracies on my credit reports. Their negligence appears to be a blatant violation of the Fair Credit Reporting Act ( FCRA ), specifically under 602, 606, and 611, which require that credit reporting agencies maintain accurate information and correct errors in a timely manner.

Despite my repeated attempts to dispute the following account, these agencies have failed to take appropriate actions : **Account : XXXX XXXX XXXX XXXX XXXX ( Account # : XXXX ) ** - This account is inaccurately reported as " Charged Off. '' I possess documentation proving that I have made timely payments. The FCRA mandates that you report accurate information ; this blatant misrepresentation must be rectified immediately.

**Payment Status Issues : ** - The reports claim I was 30 days past due and was past due 90 days. These statements are false and misleading. Under FCRA 607, all information reported must be accurate ; the failure to do so is unacceptable.

**Inconsistent Balances : ** - The reported balances for this account differ across bureaus ( TransUnion : {$37000.00} ; Equifax : {$9900.00} ). This inconsistency violates the FCRAs requirement for accuracy and completeness in reporting.

Moreover, I am aware of the data breach that recently affected these credit reporting agencies, compromising the personal information of countless consumers, including myself. This breach raises serious concerns about the integrity and security of the information being reported. Under U.S. Code 1030, organizations must take appropriate measures to protect consumer data, and the failure to do so only adds to my concerns regarding the accuracy of my credit report. 

Given these violations, I demand immediate action from the CFPB to investigate these matters thoroughly. Should these inaccuracies not be rectified promptly, I will pursue all available legal remedies, including seeking damages for harm caused by these reporting errors. 

Please acknowledge receipt of this complaint and inform me of any actions taken to address these serious issues. Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Resurgent Capital Services c/o LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Immediate Removal of Negative Markings from My Credit Report Dear Resurgent Capital Services c/o LVNV Funding LLC, I hope this letter finds you well. I am writing to formally request the immediate removal of any negative markings associated with my accounts from my credit report. 
It is important to note that the current negative reports are not reflective of my current financial standing and may be harming my creditworthiness unjustly. As a consumer, I am entitled to have only accurate and up-to-date information reported to credit bureaus. Therefore, I kindly ask that you review my account and initiate the removal of any adverse entries. 
Please confirm receipt of this request and provide written confirmation when the necessary corrections have been made. If further documentation is required to process this request, do not hesitate to inform me. 
Thank you for your prompt attention to this matter. I trust that we can resolve this issue amicably and swiftly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: VA

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: VA

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I submitted a dispute on XXXX stating I never opened this account, XXXX closed my dispute and stated the account came back verified. I have tried to apply for an account but I was told I already have a outstanding balance due, which made me do an investigation on my credit file. I have attached the police report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions Equifax consistently responds within 24 hours stating the account is accurate without providing any evidence if a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025- CFPB-0002 ) against them for similar violations. I requested that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have reported inaccurate : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, AZ XXXX XXXX XXXX  Address : Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX  Address : XXXX XXXX XXXX, XXXX XXXX XXXX , UT XXXX XXXX XXXX  XXXX Address XXXX XXXX XXXX XXXX, XXXX XXXX , TX 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