vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to dispute the inaccurate reporting of an account on my credit report under the Fair Credit Reporting Act ( FCRA ). The account in question is with XXXX XXXX XXXX, which is reporting the account as past due. However, I have documentation and notifications indicating that this account was closed and charged off without my prior knowledge. 

I believe this information is inaccurate or incomplete for the following reasons : 1. I was not notified that the account was closed and charged off, as required by law.

2. The reporting as past due does not align with the notifications I received.

I kindly request that you investigate this matter thoroughly. If you find the information to be inaccurate, I request that you : Delete or remove the XXXX XXXX XXXX account from my credit report, or Correct the inaccuracies, ensuring all information reported is complete and accurate. 

I have attached the following documentation to support my dispute : 1. [ Copy of notification regarding account closure/charge-off ] 2. [ Copy of my credit report highlighting the disputed information ] 3. [ Any other supporting evidence ] Please complete your investigation and respond to me within the 30-day time frame required by law. Additionally, I request written confirmation of the actions taken regarding this matter. 

Thank you for your attention to this important matter. I look forward to resolving this issue promptly.

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 2024-12-03 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately 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 2024-12-03 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-03 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: CA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

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 2024-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: DC

Complaint narrative:
I am on the XXXX plan with Mohela and received an email today titled " Interest Accrual During Forbearance, '' and the email says " Although no payments are due at this time, interest continues to accrue on your loan ( s ) during the forbearance period. '' This information is contradictory to what is posted on the studentaid.gov website, which reads " While in forbearance, you do not have to make monthly payments on your student loans. Interest will not accrue during this forbearance. '' I should not be accruing interest on my loans at this time. Please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: TX

Complaint narrative:
There are XXXX accounts. XXXX is XXXX XXXX for {$3000.00} that I have been trying to get removed from my credit report multiple times I sent them my documentation showing that I was in XXXX  during the time that this was opened. They refuse to send me any documentationthat shows that I open the account. They sent me a statement. No signed documents nothing. The other account is. LVNV funding. XX/XX/scrub> 2020 I sent them the same documents showing I was in prison when this account was opened so there is no possible way that this account is mine and they refuse to remove it. All three credit bureaus refused to remove this off of my credit as well. They are both showing that they are the original creditor and that is incorrect. Because they are collection agencies. I dont know what else to do, but to file a complaint against all three credit bureaus for not removing this information as incorrect. The dates are incorrect. The amounts are incorrect and the person responsible for these are incorrect. Please help I dont know what else to do. I am trying to buy a house in the credit bureaus work for the companies, not for the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: TX

Complaint narrative:
There are two accounts. One is Jefferson capital for {$3000.00} that I have been trying to get removed from my credit report multiple times I sent them my documentation showing that I was in prison during the time that this was opened. They refuse to send me any documentationthat shows that I open the account. They sent me a statement. No signed documents nothing. The other account is. XXXX XXXX. XX/XX/year> I sent them the same documents showing I was in prison when this account was opened so there is no possible way that this account is mine and they refuse to remove it. All three credit bureaus refused to remove this off of my credit as well. They are both showing that they are the original creditor and that is incorrect. Because they are collection agencies. I dont know what else to do, but to file a complaint against all three credit bureaus for not removing this information as incorrect. The dates are incorrect. The amounts are incorrect and the person responsible for these are incorrect. Please help I dont know what else to do. I am trying to buy a house in the credit bureaus work for the companies, not for the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: TN

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXX XXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Unable to access my credit report due to a phone number being on account want allow me to pass two step verification. I have contacted technical support and customer service team and unsuccessful with getting anyone online to assist. Also, unable to process a dispute because Im not able to pass the two step verification process.

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 2024-12-03 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: LA

Complaint narrative:
Due to a data breach, my personal information was compromised, resulting in unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me but remain on my report, adversely affecting my credit profile. Despite my efforts to resolve these inaccuracies, they persist, raising significant concerns about the security of my personal information and the accuracy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: FL

Complaint narrative:
Due to a data breach, my personal information was compromised, resulting in unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me but remain on my report, adversely affecting my credit profile. Despite my efforts to resolve these inaccuracies, they persist, raising significant concerns about the security of my personal information and the accuracy of 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 explanation
Consumer complaint received 2024-12-03 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: Source Receivables Management LLC
State: IL

Complaint narrative:
I am filing this complaint against Source Receivables Management due to their failure to respond to my valid request for verification and validation of a debt they are reporting on my credit report. Specifically, I have attempted multiple times to contact them to verify the details of the alleged debt and have not received any response or documentation to substantiate the debt they claim I owe. I do not and have not ever done business with this company or the original creditor they are reporting. 

Despite my efforts to communicate with them in a timely manner, I have been left without the required documentation, which is a clear violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Under these laws, I am entitled to request proper validation of any debt being reported on my credit report, and the reporting entity must provide documentation or proof that I owe the debt in question. 

To date, I have sent written requests for debt validation and have provided reasonable time for Source Receivables Management to respond. However, I have not received any communication from them, nor have they provided any evidence or verification that substantiates their claims. This lack of response not only leaves me uncertain about the legitimacy of the debt but also harms my credit standing. 

Because of Source Receivables Management 's failure to provide a timely response and to properly validate the debt they are reporting, I am now seeking resolution through this complaint. I request that they provide the required documentation or remove the incorrect and unverifiable information from my credit report. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-12-03 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-03 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to 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 2024-12-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OneMain Finance Corporation
State: OR

Complaint narrative:
I have contacted mountain peak law group, the debt collection lawyer that was collecting on this account, multiple times over the last couple of years regarding this matter. They garnished my wages unfairly without providing me the opportunity for defense in court. I have never received any communication on this debt, or that it was going to be a litigation in court. They garnished my wages through the US Forest Service, a federal government entity, upon total payments being paid, one main placed an account on my credit stating 75 missed payments and still owing XXXX dollars. I requested a payment history from my employer showing the account was paid off, submitted that XXXX XXXX XXXX XXXX, and one main still did not remove the account from my credit. They are constantly using illegal tactics to bully consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
Wells Fargo is the worst financial institution. I only have a child support transfer with wells due to it being extremely difficult to change transfers with the government. 
The state of IA Governor closed state office last Wednesday, which created a mess with transfers, delayed transfers for a weeks. My account went negative as I was reasonably expecting that transfer. Wells Fargo hit me with 3 over draft fees, which is completely taking my child support payment once it finally came in my account. I explained this to the institution and they will not help customers. They are putting me in a hole and causing financial harm.

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 2024-12-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
I purchase this car in XX/XX/XXXX. AT that time I want to XXXX to purchase the car. When I left the dealership I began to notice a lot damage done to the car but I kept paying the note. I never received my plates so I went to Illinois secretary of state and found out the dealership did not register the car. Fast forward to recently where I fail behind due to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX even though I was paying he interest rate was so high everything I paid the amount owe never went down. Recently in XX/XX/XXXX I requested a copy of my contract and to my surprised I found a lot of fraudulent activity. I did not put {$3000.00} down and I only put {$500.00}. That was the first inconsistently. The next is I never received the contract because I would have never would had agreed to paying {$50000.00} at the end of the loan for a XXXX at that when XXXX and XXXX cost less than that .When I was at XXXX XXXX XXXX everything is on the computer and not wet signature and car salesman click all disclosures which I never head a chance to read. Fast forward I just moved on XX/XX/XXXX and they came to reposes the the car on XX/XX/XXXX. I have not gotten any notice to come get my things out the car. I had over {$1000.00} of things in that car because I was still in the process of moving that same week and a lot of things were in the car. Under Illinois law the creditor did not follow law. After repossessing your car, the creditor must send you a notice of the repossession and an Affidavit of Defense within three days. The Notice of Redemption tells you whether the creditor will keep or sell your car. It also tells you if you have a right to buy back your car. The Affidavit of Defense will let you explain why you did not make payments on the car, and explain any defenses you have to the repossession. Also. The repossession agent must make a list of your belongings that they found in the car. They must then give you a notice within five days that tells you how to recover your items. 
1. The contract was falsified and fraud and I never received the install agreement 2. They falsified the down payment amount of {$3000.00} and I only paid {$500.00}. 
3. I did not received a notice for default. 
4. I did not received a letter of repossession after 3 days and its been over two weeks. 

I am currently looking to sue company for maximum allowed.

Company response to consumer: Closed with explanation