vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-27 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law.

Thank 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 non-monetary relief
Consumer complaint received 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THESE INQUIRIES ARE NOT MINE, I DID NOT AUTHORIZE ANY OF THOSE LISTED IN MY COVER LETTERS. PLEASE HELP ME DISPUTE AND REMOVE THESE.

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 2024-10-27 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: TX

Complaint narrative:
Name : XXXX XXXX DOB : XX/XX/XXXX Last 4 SS : XXXX Date : XX/XX/XXXX XXXX Name : XXXXXXXX XXXX Recently I did an investigation on my credit report and found several items on them to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of reporting Whenever This section mandates that consumer reporting agencies implement sensible procedures to fulfill commercial needs for consumer credit, personnel, insurance, and other information. It emphasizes that these procedures must be just and fair to consumers, particularly in terms of maintaining the confidentiality, accuracy, relevance, and appropriate use of such information, in line with the stipulations of this subchapter. Essentially, it's about balancing business requirements with the rights and protections of consumers. 


Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccuracy or unvariable information in general if any reinvestigation This section mandates that consumer reporting agencies implement sensible procedures to fulfill commercial needs for consumer credit, personnel, insurance, and other information. It emphasizes that these procedures must be just and fair to consumers, particularly in terms of maintaining the confidentiality, accuracy, relevance, and appropriate use of such information, in line with the stipulations of this subchapter. Essentially, it's aovut balancing business requirements with the rights and protections of consumers. 

Please remove these items from my credit report immedtiately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Subject : Information is Incorrect and Did not sign a contract with this company. Please remove this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Your Name : XXXX XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX, XXXX TX XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX Equifax Dispute Department Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dispute of Unauthorized Hard Inquiries on Credit Report Dear Equifax Dispute Team, I am writing to formally dispute unauthorized hard inquiries on my Equifax credit report. After a thorough review of my report, I identified several hard inquiries that I did not authorize, as listed below : Disputed Hard Inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize these hard inquiries, nor did I initiate any actions that would have resulted in their placement on my report. 
Legal Basis for Dispute Under 15 U.S. Code 1681b ( c ), only permissible purposes may warrant hard inquiries on a consumer report. These inquiries do not align with my credit application history, nor did I grant any creditor the necessary authorization. Additionally, 15 U.S. Code 1681c-2 states that a consumer reporting agency must block the reporting of any information resulting from identity theft or unauthorized actions within 4 business days of receiving notice.

Pursuant to the Fair Credit Reporting Act ( FCRA ) : I have a right to privacy and confidentiality under 15 U.S. Code 1681 ( Section 602 A ), and these unauthorized hard inquiries are a violation of that right.

Under 15 U.S. Code 1681i, I have the right to dispute inaccurate or unauthorized entries, and the reporting agency must investigate and correct any errors.

Requested Action Please remove the listed inquiries from my credit report within 4 business days of receiving this notice. Failure to resolve this matter may lead to further claims for statutory damages for unauthorized entries on my report, as these hard inquiries impact my credit score and financial standing without my consent. 
Thank you for your prompt attention to this matter. I look forward to confirmation of receipt of this dispute and the resolution of my credit report. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 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: AZ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and 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 reported to be removed/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 XXXX days before the payment due date. 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!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-10-27 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: MS

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Description of the Issue : I am disputing an incorrect debt reported on my credit file by Experian. The account in question was opened under the name " XXXX XXXX, '' but my legal name is " XXXX XXXX. '' This discrepancy suggests that the debt is not mine and is either a clerical error or misattribution. I have already disputed this with Experian and XXXX XXXX XXXX, but they have failed to correct the mistake. 

The Fair Credit Reporting Act ( FCRA ) mandates that only accurate information be reported on credit files. Reporting debt under a similar but incorrect name violates FCRA Section 611 ( 15 U.S.C. 1681i ), which requires credit bureaus to maintain maximum possible accuracy. This erroneous entry is negatively impacting my credit report, even though I am not liable for the debt in question. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), the collector has a duty to validate the debt. Since they can not prove that the debt belongs to me ( due to the name discrepancy ), they must cease reporting it. I request immediate removal of this account from my credit report, and a correction across all three bureaus ( Experian, XXXX, and XXXX ). 

Actions Taken So Far : I sent dispute letters to Experian, detailing the issue. 
I also contacted XXXX XXXX XXXX, the debt collector, but they responded without properly addressing the name issue. 
Despite my efforts, the debt remains on my 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 2024-10-27 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-10-27 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: OK

Complaint narrative:
I had reached out to Department of Education Federal Student Aid Information Center Customer Service inquiring about the status of my student loan. I wanted to find out why my XXXX and XXXX XXXX application has not been processed by the student loan servicer Mohela. I received an email from the XXXX XXXX XXXX XXXX letting me know that on XX/XX/year> that Mohela has processed the XXXX and I should receive a letter from Mohela to tell me that my loan was paid in full by the Department of Education. However, when I look on my Mohela online account it shows that I still have an interest balance that I am still on the hook to pay. When I reach out to Mohela they can not provide concrete information to me about this discrepancy. I call Mohela every two weeks to get an update about my account and every time I speak with a different supervisor and every time, I am given the same generic answer. They don't know how to get this issue solved so that I can move on with my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
citi bank and citi bank XXXX XXXX XXXX, one is due on the XXXX of the month and my bank XXXX XXXX XXXX snail mails checks to them, my social security check arrives in my account on the XXXX each month. The first card payment is due on the XXXX and was received on the XXXX the second was due on the XXXX and my bank said it was paid to them on the XXXX and both payments to both cards go to the same address. I received emails and phone calls from the credit card company telling me they had not received payment on time so I called my bank and they confirmed they had sent the payment on the XXXX, all things being equal they should have received it and posted no later than the XXXX yet the second payment was posted 9 days past due. They wanted me to give them my checking account number and let them debit my account but I refused. I asked my bank about canceling the payment already in route in case the mail was lost or stolen but they advised waiting a few more days. Low and behold 2 days later the original payment made 11 days earlier was received and was posted to the account. This struck me as very odd since they both go to the exact same address. Both of these cards currently are 0 % interest now. I was charged a late fee. I recently attempted to take out a EOCL To consolidate all my credit card debt and even though I have a very good credit score my loan was turned down. In my opinion it was because of the late payment and fee. sign XXXX consumer!

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 monetary relief
Consumer complaint received 2024-10-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: MN

Complaint narrative:
Jefferson capital system is reporting I owe them with no knowledge of this fraud account they are reporting an open balance on a closed account I dont believe the information they are reporting is not valid

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX. I have received a XXXX form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) XXXX, a XXXX form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a XXXX form has been issued, the reporting of this charge-off is both inaccurate and misleading. 
I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: DE

Complaint narrative:
XXXX XXXX XXXX Saw XXXX XXXX XXXX, DE XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX. I have received a XXXX form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) XXXX, a XXXX form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a XXXX form has been issued, the reporting of this charge-off is both inaccurate and misleading. 
I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank 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 2024-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
PayPal is allowing people to hack the account. When you dispute the payment, it comes back in favor of the scammer. I disputed a charge from service farouki because its not a charge from my money that was authorized. PayPal came back saying I paid for the service and the charge is valid. There is no service or merchandise, just somebody hacking accounts and taking money from them.

Company response to consumer: Closed with explanation