vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 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:
XX/XX/year> Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on Account Dear CFPB, I am filing a formal complaint against Experian regarding inaccurate information on my credit report related to late payments for the following account : Creditor Name : XXXX XXXX Account Number : XXXX Despite multiple disputes submitted on XX/XX/year> and XX/XX/year>, the inaccuracies remain unresolved. This failure to address the discrepancies constitutes violations of my rights under the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and the Protection Against Non-Payment of Obligations Act ( PAANL ). Below is a detailed account of the errors and discrepancies : Errors and Discrepancies High Balance : {$5700.00} Last Verified : XX/XX/year> Date of Last Activity : XX/XX/year> Balance Owed : {$4500.00} Payment Amount : {$170.00} Credit Limit : {$5500.00} Legal Violations Fair Credit Reporting Act ( FCRA ) : Under 15 USC 1681i, credit reporting agencies are required to ensure the accuracy of the information they report. Despite my disputes, these inaccuracies persist.

15 USC 1681s-2 mandates data furnishers to report accurate information. XXXX XXXXXXXX has failed to provide corrected data despite clear errors. 
Truth in Lending Act ( TILA ) : 15 USC 1666b requires creditors to send periodic statements at least 21 days before the due date. The late payment reporting indicates a potential failure to comply with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the need for timely and accurate billing to prevent unfair penalties. The reported late payments contradict my payment history and harm my creditworthiness unjustly.

Supporting Evidence I have attached the following documentation to support my claim : Copies of previous dispute letters ( dated XX/XX/year> and XX/XX/year> ). 
Credit reports from Experian showing discrepancies. 
Proof of timely payments for the disputed months. 
Desired Resolution Immediate removal of all inaccurate late payment notations for the months of XXXX and XX/XX/year>. 
Written confirmation of the correction from Experian. 
Failure to resolve this matter promptly will result in further action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and possible legal recourse. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2025-01-07 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: IA

Complaint narrative:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and sick with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX # XXXX Account Name : 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 2025-01-07 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX  Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account XXXX : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXXXXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/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 2025-01-07 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Date : XX/XX/year> To : Credit Reporting Department XXXX : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by XXXX, Experian or XXXX. This request is based on the recent deletion of an account by XXXX, one of the XXXX major credit reporting agencies. I recently disputed a charge-off for {$30000.00} from XXXX XXXX XXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of, XX/XX/year>. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. Sincerely, 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 2025-01-07 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 am seeking your assistance to review accounts from companies that are inaccurately reporting late payments. After being laid off, I requested these late payments be forgiven, and they agreed, but they are still being reported as late. Despite contacting them, I have received no updates, leaving this as my final attempt for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX Trans Union/ I made a complain through Consumer Financial Protection Bureau to dispute credit card accounts that were opened fraudulently under my name with XXXX  XXXX XXXX. I received XXXX letters from XXXX  XXXX XXXX in which they stated that they received disputes for a loan with XXXX  XXXX XXXX. However, I'm not disputing any loan, I did open a car loan with XXXX  XXXX XXXX in XXXX and the loan was paid off entirely in XXXX. 
I want to clarify that I'm only disputing the XXXX credit accounts with XXXX  XXXX XXXX, one account with XXXX XXXX and one account with XXXX XXXX. 
I also want to inform you that I received a statement from XXXX XXXX to my address for the first time even thought I never requested it. The fraudulent account was opened with a different address, and this is the first time I received a letter to my address. 
XXXX XXXX is trying to link the credit account to my actual address. The address link to the fraudulent account is XXXX XXXX XXXX XXXX, CA XXXX. I contacted XXXX XXXX in the past and they did not have any proof or document of a credit account opened with my real address XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX. 
I also contacted with XXXX XXXX and they also do not have any document or proof that it was me who opened a line of credit. They only had the record that l opened a bank account with them. They could not provide any proof of my identity to confirm that it was me who opened a credit card. 
I'm requesting these fraudulent accounts to be removed from my credit report. I'm attaching my apartment contract with my address since XXXX and my utility bill with the same address.

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 2025-01-07 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: TX

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
There was an unallocated amount of {$1300.00} that I requested to be moved to principal that was never moved. Initially rep made it seem as if I was incorrect about amount pending and after detailed conversation she agreed that issue will be escalated and action will be taken. Now 2025 and I have paid funds to clear account a week ago and they have yet to be applied nor has the {$1300.00} been adjusted to the principal balance. 


This issue is with LoanDepot

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I signed a Master Promissory Note. The application was submitted and the credits have not and were not and still are not being applied to the principal 's account. All debt is the responsibility of the government and the U.S. Treasury issued credits for the necessity so I can pursue happiness. I requested them for. All promissory notes and bills of exchange fall under acts allowed by Congress. As a consumer first, then secondly a beneficiary, I have had my character on my consumer report has been defamed since the beginning of the note I signed in XXXX. The application was submitted and the consumer was also forced to sign the application electronically without the ability to reserve any rights. Consumer obligation is already written into law. The company is in violation of 15 USC 1692d ( 1 ) for having left unlawful slander on the consumer/ credit report. Unacceptable in law. The consumer is the original creditor, tricked and forced to fulfill the application without full disclosure. The subsidiaries of the parent corporation continue to profit from the lack of attention to the account. The transfer of personal information is a violation of privacy.The company failed me. As a consumer, the company ignored the law. The disclosures were not set conspicuously and they ignored the principal 's credits and the application appropriately. The consumer was coerced, intimated, and persuaded to be everything other than a beneficiary. The SSN social security number provides and serves as the full faith and credit confirmation through the U.S. acting through the United States Treasury to settle the debts.

As an American consumer, the past 8 years have consisted of several requests of removal of this account for this company to merely " verified by credit grantor '' response. This also contributed to a blinds shut -home denial in XXXX when I had my first son. The student loan on my report was too high of a debt that I should take care of first before becoming a homeowner. The company shall right their wrongs for the error that has manifested on the consumer credit profile and record unlawfully and is illegitimate. The law has not changed. They did not balance the books lawfully and then claimed the credit. Now after theft and collection of credits, I, the consumer is currently left with a defamation of character as if there are no collateral associated with the application in itself.Confusing or misleading advertising or marketing credits of application fulfillment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live 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 non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Hello, I am opening this complaint again because last one was closed prematurely. Just because Citi bank has sent me a letter saying they can't help me with a dispute because it is 4 months old. They need to resolve it. Their disputes manager on XX/XX/year> told me that they are waiting for the merchant to respond and if the merchant doesn't respond then they will issue a permanent credit. 

I have opened a dispute against a vendor XXXX XXXX ( XXXXXXXX XXXX XXXX  ) for varios transactions because this contractor started a project, did some work and abandoned the project and ran away with all the money. Provided legal documents and legal decisions against the vendor that was taken by XXXX XXXX XXXX XXXX XXXX XXXX  ) - XXXX XXXX XXXX XXXX. They confirmed and made a decision in my favor that contractor has abandoned the project. Contractor didn't show up for meetings with the investigator or responded to XXXX XXXX XXXX decisions either. It was a pretty straight forward case, if the state agency concluded the case in my favor and citibank didn't receive any communication from the Merchant ( as they said ) then it should have been in my favor. Also, last week, on XX/XX/XXXX, when I called the Citi Dispute department, they also told me they are just waiting for the merchant to respond and if they don't respond then you will have the permanent credit applied to your account. and today XX/XX/XXXX, they just sent a notice that dispute is over 4 months old so are closing your dispute and you're responsible for these transactions. They have given conflicting information throughout this dispute and have been unresponsive most of the times. I didn't get a single call from the dispute department. I had to chase them down what they need and sent them all documents that include XXXX decision directives from XXXX XXXX organization as well. All these credit cards companies have XXXX liability policy, it looks like they are just trying to get away from it because merchant is not responding and he probably closed his account. I have attached the XXXX  XXXX Complaint Summary, all XXXX directives taken by XXXX  XXXX, personal summary and a quote from a third party pool company to fix everything and build the pool. All these documents were sent to Citi Bank as well as proof.

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 2025-01-07 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : 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 2025-01-07 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: TX

Complaint narrative:
By the Fair Credit Reporting Act, the list of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The inquiries below have violated my rights. 15 U.S.C 1681 section 602A. 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 an 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 ) ( a ) 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. Delete the inquiries below : Creditor Name : Creditor Name : XXXX  XXXX XXXX, Date of inquiry : XX/XX/year>. Equifax. 
Creditor Name : XXXX  XXXX XXXX, Date of inquiry : XX/XX/year>. Equifax. 
Creditor Name : XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/year>, Equifax. 
Creditor Name : XXXX XXXX XXXX, Date of inquiry : XX/XX/year>, Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year>, I received an email from Venmo stating that I paid XXXX XXXX {$10.00}. I never sent XXXX XXXX XXXX dollars or anyone else XXXX dollars. 
I called Venmo and disputed the payment to XXXX XXXX on XX/XX/year>. They closed my account at that time. 
On XX/XX/year>, I received an email from Venmo saying they received the case that I filed on XX/XX/year> and are denying my case. 
Their response was, " Based on our review, we found this transaction to be consistent with your payment history. '' " If you'd like a copy of the documentation we used in the investigation of your claim, please email us at XXXX " Transaction ID : XXXX Paid to : @ XXXX XXXX XXXX {$10.00} Dispute Date : XX/XX/year> Dispute Claim Denied : XX/XX/year> Dispute ID : XXXX External Payment ID : XXXX ( same as above )

Company response to consumer: Closed with explanation