vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-05 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: TX

Complaint narrative:
On XX/XX/year> I was given a bill from my student loan service provider MOHELA that was due on XX/XX/year>. I paid it the next day on XX/XX/year> and got a confirmation email ( attached ) from MOHELA stating it was being processed ( it takes a few days for the payment to go through ). The money was officially taken from my bank account on XX/XX/year> as you can see on the bank statement that I attached. I always pay my bills as soon as I get them. I received a notification that my account had gone through a system transfer a few days after I made the payment. I noticed that the money still hadnt been processed into my account after the system transfer. I emailed and called them and was told to give it XXXX days for all payments to update and transfer to the new system. I refused to pay twice for a bill I already payed, but continued to pay for new bills. So when the due date for the original bill came and went, I received late payment notifications. I emailed the company again about my payment and was told that I had a bill that was XXXX days delinquent and to pay it ( which I already knew?? They completely ignored my email and just told me to pay the overdue bill ). So I emailed them again, and they told me they received the payment and it would be published to my account WITH the original date I paid it and to give it XXXX days and IGNORE late notices for payments. So I waited. Then I looked back on XX/XX/year> and noticed that it had STILL not been applied to my account, so I emailed them again ( their phone system is atrocious and it takes forever to talk to a real person so I preferred email ). They now told me that they never received my payment and to give them more information. So Im just confused because in one email theyre telling me they received it and then the other they havent? Something just isnt adding up to me and its making me feel like my money and loans are being completely mismanaged. I am beginning to no longer trust this company and its hard to keep paying them my money when I dont know if theyll be able to keep up with it or not. Its been around XXXX months and I need to know where the {$180.00} I paid them went. Ive attached all email communication Ive had with them and I will also be sending them another email stating they need to look into it again and find the money I paid. Their system does not allow me to attach files so maybe reporting it here will actually make them do something.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: FL

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 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: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: NY

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-07-05 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: CA

Complaint narrative:
I have diligently corresponded with your bureau regarding my status as an identity theft victim, yet my concerns remain unresolved. I am once again disputing the damaging fraudulent information on my credit file. Despite submitting the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I have personally contacted the banks associated with these accounts, submitted the necessary documents, and ensured the immediate removal of these accounts from their records. It is puzzling that while other credit bureaus have promptly removed these accounts following the FTC submission, your bureau has not. I am curious to understand the verification process your bureau employed to continue reporting these fraudulent accounts. 

XXXX XXXXXXXX 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 2024-07-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are arroneus. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports. 

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual. 

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes. 

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision. 

XXXX5 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated. 
My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX. CAPITAL ONE # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: OK

Complaint narrative:
Sure, heres a template for a letter to the Consumer Financial Protection Bureau ( CFPB ) regarding a dispute under the Fair Credit Reporting Act ( FCRA ) : -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Inaccurate Information in Credit Report Dear Consumer Financial Protection Bureau XXXX XXXX am writing to formally dispute inaccurate information contained in my credit report, as provided for under the Fair Credit Reporting Act ( FCRA ). Below are the details of the disputed information and the corrective action I am requesting : **Personal Information** : - 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 XXXXXXXX - I am requesting that the CFPB investigate this matter and that the inaccurate information be removed from my credit report. 

I have previously contacted the credit reporting agency and the furnisher of the information to resolve this dispute, but the matter remains unresolved. 

I appreciate your attention to this matter and look forward to your prompt resolution of this dispute. Please contact me at the above address or phone number if you need any additional information. 

Thank you for your assistance. 

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 non-monetary relief
Consumer complaint received 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Sure, heres a template for a letter to the Consumer Financial Protection Bureau ( CFPB ) regarding a dispute under the Fair Credit Reporting Act ( FCRA ) : -- 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 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Inaccurate Information in Credit Report Dear Consumer Financial Protection Bureau , I am writing to formally dispute inaccurate information contained in my credit report, as provided for under the Fair Credit Reporting Act ( FCRA ). Below are the details of the disputed information and the corrective action I am requesting : **Personal Information** : - 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 XXXXXXXX - I am requesting that the CFPB investigate this matter and that the inaccurate information be removed from my credit report. 

I have previously contacted the credit reporting agency and the furnisher of the information to resolve this dispute, but the matter remains unresolved. 

I appreciate your attention to this matter and look forward to your prompt resolution of this dispute. Please contact me at the above address or phone number if you need any additional information. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 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: OK

Complaint narrative:
Sure, heres a template for a letter to the Consumer Financial Protection Bureau ( CFPB ) regarding a dispute under the Fair Credit Reporting Act ( FCRA ) : -- - [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Inaccurate Information in Credit Report Dear Consumer Financial Protection Bureau , I am writing to formally dispute inaccurate information contained in my credit report, as provided for under the Fair Credit Reporting Act ( FCRA ). Below are the details of the disputed information and the corrective action I am requesting : **Personal Information** : - 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 XXXXXXXX - I am requesting that the CFPB investigate this matter and that the inaccurate information be removed from my credit report. 

I have previously contacted the credit reporting agency and the furnisher of the information to resolve this dispute, but the matter remains unresolved. 

I appreciate your attention to this matter and look forward to your prompt resolution of this dispute. Please contact me at the above address or phone number if you need any additional information. 

Thank you for your assistance. 

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 2024-07-05 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: TN

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-07-05 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'm submitting a complaint and demanding that the Credit Reporting Agencies delete the fraudulent accounts and information from my Credit File. How many times do I have to tell the Credit Bureaus that I was a victim of identity theft and that the accounts I'm disputing were the result of this crime? I've repeatedly asked the Credit Bureaus to remove the disputed items, correct my Credit File, and provide me with copies of proof of verification. However, the Credit Bureaus have repeatedly disappointed me and failed to provide the requested documents. Despite sending dispute letters with complete proof of identity and the Identity Theft Report I received from the FTC, the Credit Bureaus have done nothing. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness.Kindly help me remove the following items immediately : 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 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 2024-07-05 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: TX

Complaint narrative:
I'm submitting a complaint and demanding that the Credit Reporting Agencies delete the fraudulent accounts and information from my Credit File. How many times do I have to tell the Credit Bureaus that I was a victim of identity theft and that the accounts I'm disputing were the result of this crime? I've repeatedly asked the Credit Bureaus to remove the disputed items, correct my Credit File, and provide me with copies of proof of verification. However, the Credit Bureaus have repeatedly disappointed me and failed to provide the requested documents. Despite sending dispute letters with complete proof of identity and the Identity Theft Report I received from the FTC, the Credit Bureaus have done nothing. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness.Kindly help me remove the following items immediately : 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 2024-07-05 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:
I am writing to express my deep dissatisfaction regarding the persistent presence of fraudulent account on my credit report. Upon reporting the case of identity theft, I promptly contacted the companies associated with this fraudulent account. While they acknowledged the validity of the report, they expressed their inability to provide records. Nevertheless, they assured me that the fraudulent account would be promptly removed upon submission of the required FTC report. 

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 2024-07-05 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: TN

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-07-05 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: TN

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-07-05 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: HI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX ( XXXX ) XXXX XXXX XX/XX/year> Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. 
I am filing a complaint against Experian. 
On my credit report dated [ XX/XX/year> ], there is inaccurate information regarding [ XXXX XXXX  inaccurate, its not mine and they deleted it ]. 
I have already contacted the credit reporting agency on [ less than a month ago and submitted complain with you as well ] and disputed the information. 
This inaccurate information has negatively impacted me by lowering my credit score, making it difficult to obtain a loan. 

I request that the CFPB investigate this matter and ensure the credit reporting agency corrects the inaccurate information on my credit report. 
For the inconvenience and time spent resolving this issue, I believe I am entitled to damages of {$1000.00}. 
I have attached copies of my credit report showing the inaccurate information and any documentation I provided to the credit reporting agency regarding the dispute. 
Thank you for your time and assistance. 
Sincerely, XXXX XXXX XXXX : Copy of Credit Report with Inaccurate 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