vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 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: IL

Complaint narrative:
I have encountered the following issues with the loan servicer : 1. Incorrect Delinquency Reporting : Despite consistently making my payments on time, XXXX XXXX Fund has incorrectly reported my account as delinquent to the credit bureaus. This has caused significant harm to my credit score and caused unnecessary distress. I have reviewed my payment records, and I am certain that all payments were made as agreed.

2. Ignoring Point of Contact : I have made multiple attempts to reach XXXX XXXX XXXX through the designated point of contact, which was provided to me by their customer service. However, my inquiries have either been ignored or left unanswered, causing further frustration and confusion regarding the status of my account. 

XXXX. Failure to Update Account Information : Despite reaching out to XXXX XXXX XXXX to correct the erroneous delinquency reporting and requesting an update to my account information, they have failed to make any changes or provide a satisfactory resolution. I have not received any confirmation that the issue is being addressed or that the inaccurate reporting will be corrected. 

I request that the CFPB assist in resolving the following : XXXX. Immediate correction of the inaccurate delinquency reporting on my credit report.

2. A review of my account to ensure that it accurately reflects my payment history.

3. Contact from XXXX XXXX XXXX to address these issues and provide a resolution, such as compensation for the intentional damaged caused.

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 2025-02-12 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: IL

Complaint narrative:
I have encountered the following issues with the loan servicer : XXXX. Incorrect Delinquency Reporting : Despite consistently making my payments on time, XXXX XXXX XXXX has incorrectly reported my account as delinquent to the credit bureaus. This has caused significant harm to my credit score and caused unnecessary distress. I have reviewed my payment records, and I am certain that all payments were made as agreed. 

2. Ignoring Point of Contact : I have made multiple attempts to reach XXXX XXXX XXXX through the designated point of contact, which was provided to me by their customer service. However, my inquiries have either been ignored or left unanswered, causing further frustration and confusion regarding the status of my account. 

XXXX. Failure to Update Account Information : Despite reaching out to XXXX XXXX XXXX to correct the erroneous delinquency reporting and requesting an update to my account information, they have failed to make any changes or provide a satisfactory resolution. I have not received any confirmation that the issue is being addressed or that the inaccurate reporting will be corrected. 

I request that the CFPB assist in resolving the following : 1. Immediate correction of the inaccurate delinquency reporting on my credit report.

2. A review of my account to ensure that it accurately reflects my payment history.

3. Contact from XXXX XXXX XXXX to address these issues and provide a resolution, such as compensation for the intentional damaged caused.

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 2025-02-12 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: VA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX Subject : Formal Dispute Letter Request for Removal of Inaccurate Information from My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate and/or unverifiable information that appears on my Experian credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681o. I have previously disputed these accounts with the credit reporting agencies, yet they have failed to provide evidence that the information is accurate, complete, and verifiable as required by law. 

The following accounts should be removed due to the reporting entitys negligent noncompliance with the FCRA : XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX. XXXXXXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX XXXX XXXXXXXX Account Number : XXXX XXXX. XXXXXXXX XXXX Account Number : XXXX Basis for Dispute : Negligent Noncompliance Under 15 U.S. Code 1681o Under the FCRA, credit reporting agencies and furnishers of information must ensure that all information reported is accurate, fair, and substantiated. The listed accounts remain on my credit report despite : Lack of Proper Verification : The furnishing party has failed to provide verifiable proof that these accounts belong to me and are being reported correctly. 
Failure to Conduct a Reasonable Investigation : The credit bureaus and/or creditors have not conducted a proper investigation in response to my previous disputes. 
Continued Reporting of Inaccurate Information : Under the FCRA, failure to remove or correct inaccurate information constitutes negligent noncompliance, making the responsible party liable for damages. 

Requested Resolution I am requesting that the CFPB investigate these violations and ensure the immediate removal of these accounts from my credit report. Additionally, if the reporting parties are found in violation, I request any applicable corrective actions, including damages as outlined in the FCRA. 

I kindly request a response within 30 days in accordance with federal law. If the inaccuracies are not corrected, I am prepared to take further action to enforce my rights under the FCRA. 

Please confirm receipt of this dispute and inform me of the next steps. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX Subject : Formal Dispute Letter Request for Removal of Inaccurate Information from My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate and/or unverifiable information that appears on my Experian credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681o. I have previously disputed these accounts with the credit reporting agencies, yet they have failed to provide evidence that the information is accurate, complete, and verifiable as required by law. 

The following accounts should be removed due to the reporting entitys negligent noncompliance with the FCRA : XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX. XXXXXXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX XXXX XXXXXXXX Account Number : XXXX XXXX. XXXXXXXX XXXX Account Number : XXXX Basis for Dispute : Negligent Noncompliance Under 15 U.S. Code 1681o Under the FCRA, credit reporting agencies and furnishers of information must ensure that all information reported is accurate, fair, and substantiated. The listed accounts remain on my credit report despite : Lack of Proper Verification : The furnishing party has failed to provide verifiable proof that these accounts belong to me and are being reported correctly. 
Failure to Conduct a Reasonable Investigation : The credit bureaus and/or creditors have not conducted a proper investigation in response to my previous disputes. 
Continued Reporting of Inaccurate Information : Under the FCRA, failure to remove or correct inaccurate information constitutes negligent noncompliance, making the responsible party liable for damages. 

Requested Resolution I am requesting that the CFPB investigate these violations and ensure the immediate removal of these accounts from my credit report. Additionally, if the reporting parties are found in violation, I request any applicable corrective actions, including damages as outlined in the FCRA. 

I kindly request a response within 30 days in accordance with federal law. If the inaccuracies are not corrected, I am prepared to take further action to enforce my rights under the FCRA. 

Please confirm receipt of this dispute and inform me of the next steps. I appreciate your prompt attention to this matter. 

Sincerely, 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 2025-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I sent a paper check for my monthly mortgage payment of {$2800.00} to my mortgage company. Unfortunately, this check appears to have been intercepted during transit and fraudulently cashed by an unknown individual at XX/XX/XXXXXXXX XXXX. I promptly reported the incident as a fraudulent transaction to Capital One. However, despite more than three months having passed, I have yet to receive any substantive update or resolution regarding my case, XXXX. 

I am deeply concerned about the delay and the potential financial impact this fraudulent activity may have on my mortgage account. I respectfully request an immediate investigation, a detailed update on the status of my claim, and a prompt resolution that includes reimbursement of the lost funds. 

Thank you for your prompt attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: MI

Complaint narrative:
The inquiry was not authorized XXXX XXXX NA Date of inquiry : XX/XX/year>2024 Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The inquiry was not authorized XXXX XXXX NA Date of inquiry : XX/XX/year>2024 Please remove it from my credit 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 2025-02-12 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: AR

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-02-12 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Our XX/XX/year> statement from American Express reflected {$65000.00} and {$32000.00} both of which we reported to American Express as being fraudulent charges and were not ours. The {$65000.00} charge was removed but not the {$32000.00}. We have reported this to them as being fraudulent every month since XXXX of 2023 and they to bill us for this amount. They have ruined our credit report rating and continued charge interest every month for something that is not ours and we notified them of the fraud the same day we got the statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: UT

Complaint narrative:
I applied for an XXXX under XXXX. Due to lawsuits everything is frozen. It is still in review. I tried to keep up with deferment requests but XXXX backlog got so bad their wait times were over XXXX hours. I called today, and currently on hold, I waited over an hour to be transferred to another department and the message said my estimated wait time was XXXX hours and XXXX minutes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: Nelnet, Inc.
State: OH

Complaint narrative:
my personal and financial information was compromised without my authorization. 

the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. 

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am listing XXXX inquiry fraudulent from my Transunion Credit Report. XXXX XXXX XX/XX/year>. Listed inquiry do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit XXXX agency advised me to fi le an identity theft report for deletion. I am requesting Transunion to mark this inquiry as fraudulent and remove from my Credit 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 non-monetary relief
Consumer complaint received 2025-02-12 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: VA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-02-12 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: AR

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-02-12 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: VA

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 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

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 2025-02-12 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: VA

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 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

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 2025-02-12 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: PA

Complaint narrative:
Please ensure the unauthorized accounts are blocked and removed from my credit report promptly. I did not initiate these accounts and do not recognize them. Under USC 1681g, I formally request their removal within 15 days. Supporting documents are included for your consideration.

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 2025-02-12 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: Credit Control, LLC
State: IL

Complaint narrative:
This is not my Debt I am a victim of identity theft since XXXX I have been trying to resolve this manner with the company and creditor

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 2025-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Synovus Bank
State: FL

Complaint narrative:
Told them there was a hardship at my work facility but never tried to work with me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: IL

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation