vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 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 have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-02-27 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: NE

Complaint narrative:
I received notification that my loans were forgiven as of XX/XX/XXXX. I had been making payments to MOHELA and informed in XX/XX/XXXX that I had overpaid approximately {$3100.00}. I was told to wait approximately 90 business days and they would send me a reimbursement. When the reimbursement did not show up, I called and they told me it was still being processed and they would escalate or " expedite '' the issue as of XX/XX/XXXX. I made multiple calls in XXXX and XXXX, told that they were looking into it. Then I was told MOHELA was transitioning to a new platform and would need to wait until XX/XX/XXXX to do anything else with my account. When I called in XXXX, I was informed an investigation was never started on my account and it was never " expedited. '' An expedited review was finally submitted on XX/XX/XXXX. I was told there was nothing I could do but wait. It has been 90 business days and I still don't have my reimbursement. I just sat on the phone for 3 hours and 50 minutes today. After someone finally answered the call, they could not help me because a supervisor needed to help with this issue. After I was transferred, the answering service said it was end of business hours and I was never connected to anyone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: IL

Complaint narrative:
Subject : Complaint Against Equifax and TransUnion for Inaccurate Reporting To Whom It May Concern, I am writing to file a complaint against Equifax and TransUnion regarding the inaccurate reporting of my account with XXXX XXXXXXXX XXXX According to both XXXX XXXX XXXX and the details provided in a complaint filed with the FDIC, this account should have no negative reporting and the loan should be marked as closed as per the agreement. 

Despite these clarifications, the account has been inaccurately reported for over a year, and I have disputed this matter multiple times without success. This persistent inaccuracy is not only frustrating but is also in violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies maintain correct and complete information. 

Under the FCRA, consumers have the right to dispute inaccurate information, and credit bureaus are obligated to investigate these disputes promptly and correct any erroneous data. Given the continued failure to rectify this issue, I am requesting the full removal of the negative reporting associated with this account from both Equifax and TransUnion. 

I kindly urge you to address this matter urgently and ensure compliance with credit reporting laws. Thank you for your attention to this important issue. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: IL

Complaint narrative:
Experian, I am writing to formally dispute an unauthorized credit inquiry that appears on my credit report. Upon reviewing my credit file, I noticed an inquiry from XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX which I did not authorize. 

Under the Fair Credit Reporting Act ( FCRA ) Section 604 ( 15 U.S. Code 1681b ), credit inquiries require permissible purpose and explicit consumer authorization. Since I did not provide consent for this inquiry, I am requesting its removal under FCRA Section 611 ( 15 U.S. Code 1681i ) due to inaccuracy. 

Please conduct an investigation into this matter and provide me with the following : 1. Proof of my authorization for this inquiry.

2. The name of the individual or entity that requested and approved the inquiry If the inquiry can not be verified, I demand its immediate removal from my credit report. I expect a response within 30 days, as required by the FCRA. Please send me written confirmation of the results of your investigation. 
Enclosed, I have included a copy of my driver 's license, proof of address Thanks you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: TX

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: FL

Complaint narrative:
I have been paying XXXX for over a year. I have two more payment to finish paying them. The other one is for XXXXXXXX XXXX that I paid off. Nothing was done.

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 2025-02-27 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: NY

Complaint narrative:
Creditor : XXXX XXXX XXXX Account Number : XXXX Balance Discrepancy : TransUnion reports {$14000.00}, while Experian reports XXXX XXXX. 
Charge-Off Date Conflicts : TransUnion : XX/XX/year> Experian : XX/XX/year> Closing Date Issues : TransUnion : XX/XX/year> Experian : XXXX Closed Date. 
Balance Reporting Error- If the balance is SO on Experian, the account must not report as a charge-off.


Date Discrepancies - The last activity dates do not match, which violates FCRA 623. Metro 2 Compliance Issues - The charge-off status is inconsistent, making the account invalid.

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 2025-02-27 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: CA

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: EQUIFAX, INC.
State: CO

Complaint narrative:
On XX/XX/XXXX sent a XXXX letter asking to remove inaccurate information from my credit report and to provide results of investigation including procedures taken physical contracts viewed and with whom they spoke with on XX/XX/XXXX sent another letter stating they were not in compliance and to remove information immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: AL

Complaint narrative:
payment history deleted off my credit report since account is paid in full. 
15 U.S. Code 1666 15 U.S. Code 1666 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: FL

Complaint narrative:
XX/XX/year> Subject : Dispute Regarding XXXX XXXXXXXX XXXX Timeshare / XXXX  Charge To Whom It May Concern, I, XXXX XXXX, am submitting this statement regarding my dispute with XXXX XXXX XXXX that works with XXXX  Pay Line of Credit ( Account # XXXX ), due to deceptive and fraudulent sales practices. 
As XXXX  citizens facing financial and medical hardships, we were misled during the timeshare purchase process. We were promised a Seniors BuyBack Program Guarantee and falsely assured that we would receive a check covering maintenance fees. These promises were not honored, and attempts to contact XXXX sales personnel and member services for resolution have been ignored. 
We were subjected to misrepresentation, deceptive trade practices, and elder financial abuse in violation of Floridas Elder Abuse Law. We were not informed of our right to rescind until after the period had expired, leaving us trapped in a contract we can not afford. 
We are demanding that XXXX XXXX XXXX cancel our timeshare contract and refund all monies paid, as we were misled into this purchase under false pretenses. We request that TransUnion acknowledge this dispute in our credit file as we seek 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 2025-02-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/year>XXXX  Subject : Dispute Regarding XXXX XXXX Resorts Timeshare / XXXX  Charge To Whom It May Concern, I, XXXX XXXX, am submitting this statement regarding my dispute with XXXX XXXX XXXX that works with XXXX  Pay Line of Credit ( Account # XXXX ), due to deceptive and fraudulent sales practices. 
As XXXX  citizens facing financial and medical hardships, we were misled during the timeshare purchase process. We were promised a XXXX  BuyBack Program Guarantee and falsely assured that we would receive a check covering maintenance fees. These promises were not honored, and attempts to contact XXXX sales personnel and member services for resolution have been ignored. 
We were subjected to misrepresentation, deceptive trade practices, and elder financial abuse in violation of Floridas Elder Abuse Law. We were not informed of our right to rescind until after the period had expired, leaving us trapped in a contract we can not afford. 
We are demanding that XXXX XXXX XXXX cancel our timeshare contract and refund all monies paid, as we were misled into this purchase under false pretenses. We request that XXXX acknowledge this dispute in our credit file as we seek resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: FL

Complaint narrative:
XX/XX/ Subject : Dispute Regarding XXXX XXXX Resorts Timeshare / XXXX Charge To Whom It May Concern, I, XXXX XXXX, am submitting this statement regarding my dispute with XXXX XXXX XXXX that works with XXXX  Pay Line of Credit ( Account # XXXX ), due to deceptive and fraudulent sales practices. 
As XXXX  citizens facing financial and medical hardships, we were misled during the timeshare purchase process. We were promised a XXXX BuyBack Program Guarantee and falsely assured that we would receive a check covering maintenance fees. These promises were not honored, and attempts to contact XXXX sales personnel and member services for resolution have been ignored. 
We were subjected to misrepresentation, deceptive trade practices, and elder financial abuse in violation of Floridas Elder Abuse Law. We were not informed of our right to rescind until after the period had expired, leaving us trapped in a contract we can not afford. 
We are demanding that XXXX XXXX XXXX cancel our timeshare contract and refund all monies paid, as we were misled into this purchase under false pretenses. We request that XXXX acknowledge this dispute in our credit file as we seek 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 explanation
Consumer complaint received 2025-02-28 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: PA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I am writing to formally address an issue that I encountered with my XXXX  account. In XX/XX/XXXX, I contacted XXXX regarding the fact that I had not received my card or any billing notifications. I requested that my card be reported as lost, and during that call, I was assured that my bill had been paid in full. 

However, in XX/XX/XXXX, I discovered that Comenity Bank had been trying to contact me as a call came through as Comenity and I had answered it and no one responded, there were 2 or 3 more calls so I realized that it eventually occurred to me that Comenity was XXXX and not spam. I reached out to them directly to understand the situation and learned that a {$6.00} interest charge had rolled over, which led to late fees. By the time I became aware of this issue, they had already reported it to the credit bureau. At this point, I still had not received any billing statements. 

For reference, during this period, I successfully opened and paid off a new XXXX XXXX card in full without any issues, demonstrating that I have a history of timely payments and no patterns of late payments on my credit currently or even historically. 

I request that this issue be investigated and rectified, as the lack of billing statements and the misinformation regarding my account has caused unnecessary harm to my credit. 

Thank you for your attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-28 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: NY

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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: OH

Complaint narrative:
Let me start by saying I have religiously checked my credit report for years. I have 100 % payment record across all accounts. I previously had a student loan through XXXX XXXX. That loan was transferred to a company Called XXXX. I had forbearance on this loan and was unaware there was a payment issue as the previous account was on an auto pay. The late payments didn't hit my credit report until they were 120 days late. There was little to no communication from XXXX on this. The account contact information was all wrong besides telephone number. They never called and left a voice mail at the contact number provided or the secondary contact phone number on file. All 3 credit reports show a good standing for the months in question but now my credit has dropped XXXX points. I paid the account in full and closed it out but they wont budge on credit reporting. It feels predatory the way this has all unfolded. They admitted they could have been better at making contact over the debts and I was free to dispute them. I know there is no way I was the only one caught off guard by this and I think something needs to be done and everyone needs to be aware XXXX XXXX borrowers have been sold to this company we weren't aware had our loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XXXX XXXXI requested verification of debts and update name and address with Experian. And also requested they send proof of the verification which they did not provide.

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