vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-25 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: MD

Complaint narrative:
I am writing to request the immediate blocking and deletion of the accounts listed below as I have been a victim of a data breach. This request is made in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 

Accounts to be Blocked and Deleted : XXXX  - XXXX - XX/XX/XXXX - {$1000.00} XXXX  - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$780.00} XXXX  - XXXX XXXX XX/XX/XXXX - {$780.00} XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$450.00} XXXX  - XXXX - XX/XX/XXXX - {$620.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$430.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$430.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$450.00} XXXX  XXXX  - XXXX - XX/XX/XXXX - {$1900.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$620.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1600.00} XXXX  - XXXX - XX/XX/XXXX - {$24000.00} XXXX - XXXX - XX/XX/XXXX - {$790.00} Inquiries : XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: MD

Complaint narrative:
I am writing to request the immediate blocking and deletion of the accounts listed below as I have been a victim of a data breach. This request is made in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 

Accounts to be Blocked and Deleted : XXXX  - XXXX - XX/XX/XXXX - {$1000.00} XXXX  - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$780.00} XXXX  - XXXX XXXX XX/XX/XXXX - {$780.00} XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$450.00} XXXX  - XXXX - XX/XX/XXXX - {$620.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$430.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$430.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$450.00} XXXX  XXXX  - XXXX - XX/XX/XXXX - {$1900.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$620.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1600.00} XXXX  - XXXX - XX/XX/XXXX - {$24000.00} XXXX - XXXX - XX/XX/XXXX - {$790.00} Inquiries : XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/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 2024-10-25 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: GA

Complaint narrative:
My credit score has been drastically impacted by a fraudulent account that has appeared on my report. This account was opened without my knowledge, creating an inaccurate picture of my financial history.

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 2024-10-25 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: TX

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> Upon reviewing my Consumer Reports, I discovered inaccuracies indicating late payments on an account for which I have always maintained timely payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are legally required to ensure the utmost accuracy in reporting consumer information. I have never missed a payment on the following account XXXX XXXX, XXXX. 

I formally request a thorough investigation into these discrepancies within 4 days, as mandated by FCRA. Please provide verifiable evidence, such as account statements, demonstrating the claimed lateness of these payments. If you are unable to furnish such proof within the specified 4-day timeframe, I demand that these payments be promptly updated to reflect their true, on-time status in compliance with FCRA Section 611, which necessitates accuracy and completeness in consumer reports. 
I have consistently upheld my payment obligations without delay and expect this matter to be addressed swiftly and accurately. 
- Promptly remove the negative late payments from my credit report. Compliance with FCRA Section 611 mandates that consumer reports be accurate and complete, and failure to correct these errors can lead to legal consequences. 

I expect this matter to be addressed swiftly and accurately, as I have consistently upheld my payment obligations. 
I also request that all written confirmation regarding this CFPB complaint be sent to me via email at XXXX. 
Thank you for your immediate attention to this legally binding requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: FL

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, resulting in fraudulent accounts appearing on my credit report. I request that the following accounts be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
XXXX Accounts : XXXX. XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, XXXX : {$1400.00} XXXX. XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, XXXX : {$2700.00} XXXX. XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, XXXX : {$4400.00} XXXX. XXXX XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, XXXX : {$8200.00} XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, XXXX : {$11000.00} XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, XXXX : {$25000.00} XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, XXXX : {$7900.00}

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 2024-10-25 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: CA

Complaint narrative:
On XX/XX/XXXX, I received correspondence from XXXX XXXX XXXX servicing that my Department of Education Loan ( account ending in XXXX ) was subject to Cares Act forbearance during which I would not need to make payments and no late reporting would be made to Credit Bureaus ( see Cares Act notice ). 

On XX/XX/XXXX, I paid off my Department Of Education loan in full ( see Paid in Full letter ). 

According to my Payment History with XXXX ( see Payment History ), the forbearance period for my loan ended in XX/XX/XXXX. Subsequently, late payments and delinquencies were reported to credit bureaus when loan payments were not made between XX/XX/XXXX and XX/XX/XXXX ; the account was marked 90 days late ( see XXXX XXXX, Transunion account summary ). 

XXXX never notified me that my loan was no longer in forbearance prior to XX/XX/XXXX after receiving he Cares Act Notice. The Cares Act Notice clearly states advanced notice was to be provided prior to forbearance period ending. I never received such communication from XXXX ( see XXXX Inbox ). 

My XXXX student loan was improperly reported late to credit bureaus and XXXX and Credit Bureaus have not fixed the problem despite repeated disputes and correspondence.

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 2024-10-25 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: Nelnet, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received correspondence from Nelnet Student Loan servicing that my Department of Education Loan ( account ending in XXXX ) was subject to Cares Act forbearance during which I would not need to make payments and no late reporting would be made to Credit Bureaus ( see Cares Act notice ). 

On XX/XX/XXXX, I paid off my Department Of Education loan in full ( see Paid in Full letter ). 

According to my Payment History with Nelnet ( see Payment History ), the forbearance period for my loan ended in XX/XX/XXXX. Subsequently, late payments and delinquencies were reported to credit bureaus when loan payments were not made between XX/XX/XXXX and XX/XX/XXXX ; the account was marked 90 days late ( see XXXX XXXX, XXXX account summary ). 

Nelnet never notified me that my loan was no longer in forbearance prior to XX/XX/XXXX after receiving he Cares Act Notice. The Cares Act Notice clearly states advanced notice was to be provided prior to forbearance period ending. I never received such communication from Nelnet ( see Nelnet Inbox ).

My Nelnet student loan was improperly reported late to credit bureaus and Nelnet and Credit Bureaus have not fixed the problem despite repeated disputes and correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
My credit report shows late payments that seem incorrect based on my typical payment patterns. Kindly correct these mistakes. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: NC

Complaint narrative:
Subject : Complaint Regarding Non-Compliance with FCRA by Trans Union Dear Consumer , Financial Protection Bureau, I am writing to file a formal complaint against [ Credit Reporting Agency, e.g., XXXX ] regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ) in relation to a dispute I submitted about inaccurate information on my credit report. Despite my repeated requests, [ Credit Reporting Agency Name ] has not provided proof of how they verified the disputed information, which I believe is a clear violation of FCRA requirements. 

Details of the Complaint : On numerous occasions, I submitted a written dispute to Trans Union regarding inaccurate information on my credit report. Specifically, I requested the removal or correction of the following information : I followed up multiple times, on numerous occasions, requesting a detailed response explaining how Trans Union verified the disputed information. To date, I have not received any documentation or specific details regarding the verification process, despite my requests, which is my right under the FCRA. 

FCRA Non-Compliance : The FCRA mandates that consumers have the right to be informed of the methods and sources used by credit reporting agencies in verifying disputed information. By not providing this information, I believe [ Credit Reporting Agency Name ] is not adhering to federal requirements designed to protect consumer rights and ensure accurate reporting. 

Request for Assistance I request that the CFPB assist in holding [ Credit Reporting Agency Name ] accountable for its lack of transparency and non-compliance. Specifically, I would like the following actions to be taken : Trans Union should provide the documentation of how they investigated and verified the information in question. A thorough review should be conducted to ensure compliance with FCRA guidelines. Enclosed with this letter are copies of all correspondence, including my initial dispute letter, follow-up requests, and any responses ( or lack thereof ) from Trans Union XXXX I hope the CFPB can assist in resolving this matter to ensure the protection of consumer rights. 

Thank you for your attention to this matter. I look forward to your assistance in ensuring compliance with federal regulations and a prompt resolution.

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 2024-10-25 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: MD

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 2024-10-25 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:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.

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 2024-10-25 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 writing to formally notify you that I am a victim of a data breach, resulting in fraudulent accounts appearing on my credit report. I request that the following accounts be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
XXXX Accounts : XXXX. XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, XXXX : {$1400.00} XXXX. XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, XXXX : {$2700.00} XXXX. XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, XXXX : {$4400.00} XXXX. XXXX XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, XXXX : {$8200.00} XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, XXXX : {$11000.00} XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, XXXX : {$25000.00} XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, XXXX : {$7900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: FL

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, resulting in fraudulent accounts appearing on my credit report. I request that the following accounts be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
XXXX Accounts : XXXX. XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, XXXX : {$1400.00} XXXX. XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, XXXX : {$2700.00} XXXX. XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, XXXX : {$4400.00} XXXX. XXXX XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, XXXX : {$8200.00} XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, XXXX : {$11000.00} XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, XXXX : {$25000.00} XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, XXXX : {$7900.00}

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 2024-10-25 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: EdFinancial Services
State: OR

Complaint narrative:
I recently found out that I was involved in a third-party debt relief scam through Fedloan servicing however the payments that were supposed to be going towards student loan payments were going to Cornerstone Prep instead. In XX/XX/XXXX, I called Fedloan after I had been sent a few letters in the mail and they enrolled me in an IDR plan at $ XXXX with the promise that the money would go to my student loans as qualifying payments ( after I paid two payments of $ XXXX {$890.00} total ) and submitted enrollment forms via the mail ). I had been paying $ XXXX since XX/XX/XXXX up until XX/XX/XXXX {$1600.00} total ). I tried to contact Fedloan but they have since dissolved and Cornstone Prep 's customer service number no longer works as well. I have since reported this to my bank and XXXX, my new loan servicer for the Department of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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:
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 2024-10-25 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: LA

Complaint narrative:
As I did not authorize these hard inquiries, I request their removal from my report per 15 USC 16c-2, as theyre lowering my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have disputed information with Transunion credit reporting agencies regarding inaccuracies on my credit report. Its been a months and have not received any results into my disputes.

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 2024-10-25 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: TX

Complaint narrative:
These accounts have been listed on my credit report for several months, causing me a lot of stress. Im requesting that you confirm if these accounts are actually mine. The inaccuracies have hurt my credit score and limited my financial opportunities, making it difficult for me to move forward with my plans and goals.

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 2024-10-25 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: MN

Complaint narrative:
XXXX XXXX XXXX Equifax and XXXX wrongfully put a debt on my credit report that is not mine and due to identity theft. This account number is not mine. Ive filed ID theft report with FTC and will pursue legal action for slandering my Reports. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts were opened fraudulently : Disputed Account : XXXX XXXX XXXX XXXX Account Number : XXXX Disputed Account : XXXX XXXX XXXX XXXX  Account Number : XXXX Disputed Account : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: VA

Complaint narrative:
My loan applications are being turned down because of inaccuracies in my credit history. Despite meeting all my financial responsibilities, these errors have hindered my ability to obtain loans and have been incredibly frustrating.

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