vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-09 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Subject : Dispute Credit Closed Accounts and Collections 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 XXXXXXXX XXXX XXXX This letter is a formal dispute and request for investigation under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq. 
The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports. The following provisions support my dispute : 1. 15 USC 1681e ( b ) - Accuracy of Information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report. 
2. 15 USC 1681i - Duty to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report. I request a thorough investigation into these inaccuracies. 
3. 15 USC 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names and addresses do not contribute to an accurate representation of my creditworthiness and should be removed. 
I kindly request that you investigate the accuracy of the names and addresses associated with my credit report, remove the inaccurate accounts, and provide me with a free copy of my updated credit report. Failure to address this dispute may result in legal action as permitted by the FCRA. Thank you for your prompt attention to this matter. 


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 2024-07-09 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: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
This account was charged off on the following date : XX/XX/year> Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should '' active payment history. This Inaccurate information falsely manipulates the statute of limitation '' Investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights I am demanding a deletion of the following account : Accounts Name : credit acceptance corporation Account Number: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 2024-07-09 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: SC

Complaint narrative:
I have asked the credit bureaus to produce original documentation with signatures validating that these account belongs to me. They have ignored that request and sent back messages stating " the account has been verified '' and did not provide proof over the verification nor the process of how they obtained the verification. They have also stated " the information sent in does not appear to have came from you or from someone that was authorized by you '' ; a stalling tactic and I sent in proper documentation to verify my identity. 

I am distressed and this is affecting my livelihood. I have missed out on financial deals and acquiring assets because of inaccurate and fraudulent reporting on my consumer reports and at this point I have sought legal counsel and will continue with that process if this issues isn't remedied. 

There is personal information that is not accurate and there are accounts that I have no knowledge of. 

accounts : XXXX XXXX XXXX Date : XX/XX/XXXX, XX/XX/XXXX ; {$9800.00} XXXX Financial Date : XX/XX/XXXX, XX/XX/XXXX ; {$6600.00} XXXX XXXX. Date XX/XX/XXXX, XX/XX/XXXX ; {$10000.00}, {$10000.00} XXXX XXXX XXXX Date : XX/XX/XXXX ; {$9800.00} XXXX XXXX XXXX XXXX : XX/XX/XXXX ; {$800.00} XXXX Date : XX/XX/XXXX ; {$930.00} Personal Information : XXXX XXXX XXXX XXXX XXXX SC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( I've never lived at any of these addresses ) Employment : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  I do not work here inquiries : XXXX  Date : XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX Please delete all of this inaccurate information

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 2024-07-09 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: SC

Complaint narrative:
I have asked the credit bureaus to produce original documentation with signatures validating that these account belongs to me. They have ignored that request and sent back messages stating " the account has been verified '' and did not provide proof over the verification nor the process of how they obtained the verification. They have also stated " the information sent in does not appear to have came from you or from someone that was authorized by you '' ; a stalling tactic and I sent in proper documentation to verify my identity. 

I am distressed and this is affecting my livelihood. I have missed out on financial deals and acquiring assets because of inaccurate and fraudulent reporting on my consumer reports and at this point I have sought legal counsel and will continue with that process if this issues isn't remedied. 

There is personal information that is not accurate and there are accounts that I have no knowledge of. 

accounts : XXXX XXXX XXXX Date : XX/XX/XXXX, XX/XX/XXXX ; {$9800.00} XXXX XXXX  Date : XX/XX/XXXX, XX/XX/XXXX ; {$6600.00} XXXX XXXX. Date XX/XX/XXXX, XX/XX/XXXX ; {$10000.00}, {$10000.00} XXXX XXXX XXXX Date : XX/XX/XXXX ; {$9800.00} XXXX XXXX XXXX XXXX : XX/XX/XXXX ; {$800.00} XXXX  Date : XX/XX/XXXX ; {$930.00} Personal Information : XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( I've never lived at any of these addresses ) Employment : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  I do not work here inquiries : XXXX  Date : XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX Please delete all of this inaccurate information

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 2024-07-09 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: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 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: NY

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed same accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these items which are found to be fraud due to identity theft. The disputed accounts do not belong to me. Please remove these 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

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 2024-07-09 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-07-09 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Between the years of XXXX and XXXX I was enrolled in the XXXX XXXX XXXX XXXX. I was coerced into their deceitful practices as a minority that they had high graduation rates, employment rates, credible and transferable classes. I was told I would have all federal loans ( At the time FFELP loans ) and was pressured to get massive loans to go to the now closed school, the XXXX XXXXXXXX XXXX XXXX. During my tenure there, the classes were horrible, nothing was really being taught. I could not transfer out because their credits were not accepted at other school so was forced to try to finish. Eventually, had to withdraw due to ongoing issues with the school and financially debt they put me in. I received no value for the the predatory loans that were given to me during that time. Art institute has be in lawsuits by multiple states and class action. I have received a portion that was held by this predatory practices back as a refund and I am requesting the remaining amount held by Navient regardless if my loans have been paid off by me. Navient is fully aware of the Art Institutes having these predatory issues and have acknowledged " that our new School Misconduct process is based on the Holder Rule, which provides that if the borrower has a legal claim against a school, and if the Holder Rule applies ( which it only does for some private student loans, notably direct-to-school loans to students attending for-profit schools ), the borrower may assert such claims against the lender. As noted above, the Holder Rule applies to direct-to-school loans. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian is reporting a Bankruptcy along with bankruptcy account on my credit report. This information does not belong to me and should not be on my credit report. I sent in numerous disputes and return EXPERIAN stated that they verified this fraudulent error information. Experian also stated that the they used a vendor to verify the fraudulent ERROR BANKRUPTCY. If Experian would actually do their job. they will see that this is a mistake and that all errors should be removed immediately and blocked so that this does not occur again. Also Experian claimed to have sent information on the verification but I have not received anything. Also Experian is requesting a copy of ID ss card and proof address which I already sent. and will attach again.

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 2024-07-09 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: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Request for Reinvestigation of Account Reporting Inaccuracies To Whom It May Concern, Dear XXXXXXXX XXXX XXXX, I am writing to formally request a reinvestigation of an account listed on my credit report, which I believe contains inaccuracies in its reporting. Account Details : I am writing to formally request a reinvestigation of an account listed on my credit report, which I believe contains inaccuracies in its reporting. Account Details : XXXX Account Number : XXXX Reason : Under 15 U.S. Code 1681n - Civil liability for willful noncompliance Instruction : This account is not mine, Please remove from my account immediately. As mandated by credit reporting laws, it is imperative that all information reported to the credit bureaus is accurate and fully correct. The obligation to maintain the integrity of credit information is a cornerstone of consumer credit rights. It has come to my attention that there is a discrepancy in how this account is reported across the three major credit bureaus. Specifically, a " PAID COLLECTION '' is reported on ACROSS ALL BUREAUS however, there is no account number associated with the record, and the balance has been adjusted twice. This inconsistency raises questions about the accuracy of the reported information. Furthermore, you are reporting this item as a " PAID COLLECTION '' which is erroneous and untrue. Please validate and provide proof of any payment via receipt of payments that you claim have been made to you. Of which I know factually that you can not because I have not made a single payment towards this debt, AS IT IS NOT MINE! Given these concerns, I respectfully request that you remove the inaccurately reported COLLECTION from my credit report IMMEDIATELY. Ensuring accurate reporting is crucial for upholding the fairness and integrity of credit information, which significantly impacts consumer 's financial opportunities. I appreciate your prompt attention to this matter and look forward to your cooperation in resolving these reporting discrepancies. Please inform me of the outcome of your investigation at your earliest convenience. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I was one day late on my care credit payment and charged a XXXX dollar late fee. Per the new rules, this should only be XXXX dollars. Due date is the XXXX if every month. I paid it but know the fee is an overcharge due to the new rule

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 2024-07-09 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-07-09 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: CA

Complaint narrative:
I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my account. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error and seek your immediate intervention to rectify it. Moreover, other credit bureaus have already corrected the status of the account stated above .Also, I contact the bank thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my account and take the necessary steps to correct or remove this information from my credit report. 


XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my account. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error and seek your immediate intervention to rectify it. Moreover, other credit bureaus have already corrected the status of the account stated above .Also, I contact the bank thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my account and take the necessary steps to correct or remove this information from my credit report. 


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 2024-07-09 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: NY

Complaint narrative:
I am writing to file a formal complaint against Equifax, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
On [ XX/XX/year>2024 ], I sent a letter to Equifax notifying them of the reinsertion of XXXX account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for several days after sending the letter, Equifax has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
Equifax actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Equifax, they have neglected to take appropriate action, demonstrating a lack of accountabilitv and compliance with federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief