vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 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: MA

Complaint narrative:
I am disputing multiple inaccuracies and violations of my federally protected consumer rights under 15 U.S.C. 1681. The following accounts have violated my rights to privacy and confidentiality and must be deleted from my credit report : XXXX  XXXX XXXX Revolving Account # XXXX XXXX XXXX XXXX Revolving Account # XXXX Additionally, I am addressing specific discrepancies on my credit report that align with billing errors as defined under 15 U.S. Code 1666 ( b ). These include : Failure by the creditors to accurately reflect payments I made or properly credit my accounts. 
Computational or accounting errors made by the creditors. 
Furthermore, the creditors failed to provide me with billing statements at least 21 days prior to the payment due dates, invalidating any claims of late payment under the law. I request concrete evidence from the creditors ' bank records to verify their claims of non-payment. The designation of " late payment '' appears to be the result of invoicing errors. 

XXXX has also failed to properly investigate disputes, remove inaccuracies, and prevent the reinsertion of errors, violating 15 U.S.C. 1681i. These actions further breach my rights under 15 U.S.C. 1681n and 1681o, concerning willful and negligent noncompliance with consumer reporting obligations. 

I respectfully request that : The late payments for the following accounts be updated to " paid as agreed '' : Discover Revolving Account # XXXX XXXX Auto Revolving Account # XXXX The following accounts be deleted from my credit report : XXXX  XXXX XXXX Revolving Account XXXX XXXX XXXX  XXXX XXXX Revolving Account # XXXX I urge you to take immediate action to correct these inaccuracies and ensure compliance with federal 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 non-monetary relief
Consumer complaint received 2025-01-09 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: MA

Complaint narrative:
I am disputing multiple inaccuracies and violations of my federally protected consumer rights under 15 U.S.C. 1681. The following accounts have violated my rights to privacy and confidentiality and must be deleted from my credit report : XXXX  XXXX XXXX Revolving Account # XXXX XXXX  XXXX XXXX Revolving Account # XXXX Additionally, I am addressing specific discrepancies on my credit report that align with billing errors as defined under 15 U.S. Code 1666 ( b ). These include : Failure by the creditors to accurately reflect payments I made or properly credit my accounts. 
Computational or accounting errors made by the creditors. 
Furthermore, the creditors failed to provide me with billing statements at least 21 days prior to the payment due dates, invalidating any claims of late payment under the law. I request concrete evidence from the creditors ' bank records to verify their claims of non-payment. The designation of " late payment '' appears to be the result of invoicing errors. 

XXXX has also failed to properly investigate disputes, remove inaccuracies, and prevent the reinsertion of errors, violating 15 U.S.C. 1681i. These actions further breach my rights under 15 U.S.C. 1681n and 1681o, concerning willful and negligent noncompliance with consumer reporting obligations.

I respectfully request that : The late payments for the following accounts be updated to " paid as agreed '' : XXXX  Revolving Account # XXXX XXXX Auto Revolving Account # XXXX The following accounts be deleted from my credit report : XXXX  XXXX XXXX Revolving Account XXXX XXXX XXXX  XXXX XXXX Revolving Account # XXXX I urge you to take immediate action to correct these inaccuracies and ensure compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the Experian credit reporting agency and you the XXXX reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit cards and Auto loan account opened at XXXX along with a Personal Credit card and loans that include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a cop of FTC Identity Theft as proof from the US Federal Trade commission that all of the aforementioned consumer credit accounts collections and hard inquiries are the result of identity theft and fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I was reviewing my credit report and found several addresses that appear to be incorrect. I have attached documentation providing proof of my current address, as indicated on your website. 

To facilitate the removal process, here is a list of incorrect addresses I currently see in my report ( which I would like to be removed ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There should only be one address in my report, which is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I also noticed that my name appears to be misspelled on my credit report. My name has only one correct spelling and there should be no variations listed because my name does not have any variations. I have attached my photo ID to show the correct spelling. 

Once again, to facilitate the removal process, here are the incorrect spellings I see in the list : XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request the removal of the incorrect employers listed below : XXXX XXXX XXXX XXXX XXXX XXXX The only job I need listed is XXXX XXXX XXXX XXXX XXXX XXXX Therefore , I kindly request that you delete this negative account as I am facing difficulties in ensuring my report is clean in the best possible way in order to continue with my legal process. 

Once the incorrect names, addresses, and employers have been removed from my credit report, please send me a copy of my updated credit report. 

Thank you for your attention and assistance in resolving this matter promptly. 

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 2025-01-09 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: EQUIFAX, INC.
State: WI

Complaint narrative:
On XX/XX/year>, I mailed a dispute letter to Equifax requesting an investigation into inaccurate items appearing on my credit report. To aid in verifying my identity, I included a copy of my photo ID, social security card, and a recent paystub with my current address. 

In my letter, I requested specific details about the verification process, including : Details on how the disputed item was verified. 
The date when XXXX contacted the creditor and furnisher. 
Contact information for the creditor and furnisher. 
The name of the individual who verified the item. 
The method of communication used to verify the disputed information ( e.g., phone, email, mail ). 
Confirmation on whether the creditor and furnisher provided any sensitive personal information, such as my Social Security Number, address, and date of birth during the verification process. 
To date, Equifax has not provided any response or results regarding this dispute, even though more than 30 days have passed. Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to conduct a reasonable investigation and report back to the consumer. 
Equifaxs inaction and failure to respond to my dispute appear to be a direct violation of this requirement and deny me my consumer rights. I am including a copy of my dispute letter sent to Equifax as evidence to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.152 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act, I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Experian. Delete the Following accounts.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-01-09 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: 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 2025-01-09 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: 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 2025-01-09 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: EQUIFAX, INC.
State: ND

Complaint narrative:
I am writing to file a formal complaint against Equifax due to their failure to investigate and resolve inaccuracies on my credit report. 
On XX/XX/year>, I mailed a dispute letter to Equifax via USPS Certified Mail, tracking number XXXX. According to the USPS tracking information, Equifax received my dispute letter on XX/XX/year>. Despite the clear evidence of delivery and the specific nature of my dispute, Equifax has failed to provide any updates or resolution and more than 30 days have elapsed. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Equifaxs failure to do so is a direct violation of my consumer rights.

I have attached a copy of my dispute letter to Equifax and the USPS certified mail receipt as evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: GA

Complaint narrative:
Subject : Formal Complaint Regarding MOHELA 's Handling of Student Loan Forgiveness and Loan Discrepancies I am writing to file a formal complaint regarding issues I have encountered with MOHELA, the student loan servicer responsible for managing my student loan forgiveness process. I wish to address the following concerns : Ongoing Issues with Loan Forgiveness Process : Despite my repeated efforts to contact MOHELA regarding my student loan forgiveness application, I have faced significant delays and have received little to no response. This lack of communication is not only frustrating, but it also violates the Consumer Financial Protection Act ( CFPA ) and the Student Loan Servicing Regulations, which require loan servicers to provide clear, accurate, and timely information regarding federal student loan repayment and forgiveness programs.

Discrepancies in Loan Amounts : Additionally, I recently discovered discrepancies in the total amounts outstanding on my loan after my loans were transferred from XXXX, which is currently involved in a lawsuit. These discrepancies may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ), as it is crucial that the amounts listed by servicers accurately reflect the loan balance and history. As such, the failure to provide a clear and accurate account of my loan balance is causing undue confusion and distress. 

These issues have created significant delays in the processing of my loan forgiveness application and have caused unnecessary stress in an already difficult financial situation. It is unacceptable for a student loan servicer such as MOHELA to exhibit such disregard for its borrowers, particularly when the servicer is entrusted with the management of important and time-sensitive matters like loan forgiveness. 

As MOHELA is required to adhere to federal laws governing student loan servicing, I respectfully request that the CFPB investigate these matters and take appropriate action to ensure that MOHELA complies with all applicable regulations. It is imperative that borrowers like myself are provided with transparent, accurate, and timely information, and that the loan forgiveness process is handled with the efficiency and professionalism expected of an organization managing federal student loan programs. 

Thank you for your attention to this serious matter. I look forward to your prompt response and any assistance you can provide in resolving these issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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.

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 2025-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I deposited a treasury check on my PNC business bank account written to my company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I went to a pnc branch in XXXX XXXXXXXX XXXX XXXX, the representative who attended me said your account is frozen for suspected fraud and irregular activities, not to mention the representative was frightening me that my account activity looked odd and very unusual I felt accused of conducting fraudulent activities and mistreated by this employee he said forget about this account being useable again 98 % of the time this is escalate and frozen until authorities decides what to do with theses type of accounts. 
He gave me a phone number to call, he said is nothing we can do here for you here be very patient and expect at least 6 months for this to be resolved. 
I called the number on XXXX XXXXXX/XX/XXXX and no-one was available I was instructed to leave a voice message and someone will get back to me. 
I called back XX/XX/XXXX and another department answered they said the account was released from being frozen but the treasury check needed to be verify. 
on XX/XX/XXXX I contacted a relationship banker who helped me open my account at PNC BANK, she said to provide a letter or some proof this treasury check was given to me by the IRS, I provided this information but up tomthis point my funds continue to be held and no one at this institution is able to give precise and concise answers on the check given to me by the IRS. 
Every time I called this institution calls go up to 3 hours, I can not keep up with this institution this situation is causing me problems financially and in my business and job.

Company response to consumer: Closed with monetary relief