vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services
State: FL

Complaint narrative:
I am writing to bring to your attention a deeply concerning issue regarding the information that ACS ( ACS Education Services ) has been submitting to the credit bureaus. This erroneous information has had a profoundly negative impact on my credit report, jeopardizing my financial stability and preventing me from making significant purchases, such as a home. 

I have been a diligent borrower and have consistently made payments on my student loan account with XXXX. My loans are currently on hold and despite my efforts to uphold my financial responsibilities, it has come to my attention that ACS has been submitting incorrect information to the credit bureaus, which has been inaccurately reflected on my credit report. 

The consequences of this error have been severe. I have been in the process of trying to secure a mortgage for a home purchase, a goal that I have worked towards for years. However, due to the inaccurate credit information reported by ACS, my credit score has suffered significantly. As a result, I have faced rejection from multiple lending institutions, making it nearly impossible for me to achieve my dream of homeownership. 

I am deeply frustrated and concerned about the impact that ACS 's mistakes have had on my financial well-being. It is not only affecting my ability to purchase a home but also potentially hindering other aspects of my financial life, such as obtaining favorable interest rates and credit limits. 

I kindly request that ACS takes immediate action to rectify this situation. Specifically, I ask that you promptly investigate the erroneous information that has been submitted to the credit bureaus and ensure that the accurate and updated information is reported as soon as possible. Additionally, I urge you to communicate with the relevant credit bureaus to rectify the inaccuracies on my credit report and provide them with the correct data. 

Furthermore, I am seeking compensation for the emotional distress, time, and effort that I have had to invest in resolving this issue. It is only fair that I am reimbursed for the losses I have suffered as a result of ACS 's mistakes. 

I believe in resolving issues amicably, and I hope that we can work together to rectify this situation promptly. I have attached relevant documentation to support my claims and would appreciate a response within 30 days to outline the steps ACS will be taking to address this matter. 

Thank you for your immediate attention to this matter. I look forward to a swift resolution that will restore the accuracy of my credit report and allow me to pursue my financial goals without unnecessary obstacles.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
On XX/XX/2023, I sent out disputes challenging inaccurate information that is illegally reported on my consumer report. Per section 611 ( a ) of the FCRA, CRA 's are supposed to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. Since then, the only thing I have received from XX/XX/2023 is a letter stating that it doesn't appear to have been sent from me. After receiving that letter, I sent another dispute on XX/XX/2023 identifying myself and addressing the fact that I received the letter from you all. I pulled my report again and my account has not been updated to reflect the changes and ensure that the reporting is 100 % accurate. The following account isinaccurately reporting on my consumer report and are also in violation of 15 USC 1681i ( c ). XXXX Account XXXX : XXXX I demand that it be deleted from my profile due to inaccurate reporting. These errors have damaged my credit score and my rights as a consumer have been violated. A copy of my photo ID and address verification was included with each mailing so there is no reason my request should have been ignored.

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 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries 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 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I have been receiving unsolicited, and harrassing phone calls from this company stating that I owe a loan for a person whose name is not mine. They read me my address, phone number, and a FAKE employer threatening to sue me. 

Well, I went to the XXXX XXXX clerk of courts, and there is no such lawsuit that has been filed. They assisted me with finding out this companies name, and address. I mailed a letter asking them to remove this fraud inquiry from my credit, and stop contacting me. 

They are refusing, and I just called XXXX, and they said that I dont have an account with them. This is fraud, harassment, and intimidation to pay something I dont owe The only reason that they cant commit fraud with the other credit companies is because, Ive locked my Credit profile with those places..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Resolution for Late Payments : This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full. 

I demand the late payments to be removed off of these accounts from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items ) to be in error : I am writing to dispute the following information that your company supplied to MY CREDIT FILE I have circled the items I dispute on the attached copy of my credit reports. 



XXXX ( ACCOOUNT NUMBER : XXXX ) is inaccurate ] because EACH REPORT IS SHOWING A DIFFERENT OPEN DATE AND A DIFFERENT HIGH CREDIT BALANCE. NOT TO MENTION THE LAST REPORTED DATES ARE ALL DIFFERNT AND INACCURATE. 



XXXX XXXX ( ACCOUNT # XXXX ) HAS A DIFFERENT LAST REORTED BALANCE AND DATE WHICH NEED TO BE REMOVED FOR INACCURATECIES. 



XXXX  ( ACCOUNT # XXXX ) THIS ITEM WAS REMOVED FROM OTHER THREE REPORTS AND SHOULD BE REMOVED FROM ALL REPORTS. 



XXXX XXXX XXXX ( XXXX ) THE DATE OF LAST ACTIVETY IS INACCURATE AND SHOULD BE DELTED OFF MY REPORT. SHOWING DIFFERENT LAST ACTIVE DATE ON EACH REPORT. 



XXXX XXXX XXXX ( ACCOUNT # XXXX ) THIS ACCOUNT IS BEING REPORTED INACCURATE FOR A DIFFERENT LAST REPORTED DATE, LAST ACTIVE DATE AND REPORTING LATE PAYMENTS. LATE PAYMENTS SHOULD NOT BE REPORTED UNDER A COLLECTION AGENCY. 



These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENE to subsection ( c ) any consumer reporting agency may furnish a consumer report Unas following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed immediately Enclosed are copies of [ my credit report and other documents enclosed with supporting my request.

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 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

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 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items ) to be in error : I am writing to dispute the following information that your company supplied to MY CREDIT FILE I have circled the items I dispute on the attached copy of my credit reports. 



XXXX ( ACCOOUNT NUMBER : XXXX ) is inaccurate ] because EACH REPORT IS SHOWING A DIFFERENT OPEN DATE AND A DIFFERENT HIGH CREDIT BALANCE. NOT TO MENTION THE LAST REPORTED DATES ARE ALL DIFFERNT AND INACCURATE. 



XXXX XXXX ( ACCOUNT # XXXX ) HAS A DIFFERENT LAST REORTED BALANCE AND DATE WHICH NEED TO BE REMOVED FOR INACCURATECIES. 



XXXX ( ACCOUNT # XXXX ) THIS ITEM WAS REMOVED FROM OTHER THREE REPORTS AND SHOULD BE REMOVED FROM ALL REPORTS. 



XXXX XXXX XXXX ( XXXX ) THE DATE OF LAST ACTIVETY IS INACCURATE AND SHOULD BE DELTED OFF MY REPORT. SHOWING DIFFERENT LAST ACTIVE DATE ON EACH REPORT. 



XXXX XXXX XXXX ( ACCOUNT # XXXX ) THIS ACCOUNT IS BEING REPORTED INACCURATE FOR A DIFFERENT LAST REPORTED DATE, LAST ACTIVE DATE AND REPORTING LATE PAYMENTS. LATE PAYMENTS SHOULD NOT BE REPORTED UNDER A COLLECTION AGENCY. 



These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENE to subsection ( c ) any consumer reporting agency may furnish a consumer report Unas following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed immediately Enclosed are copies of [ my credit report and other documents enclosed with supporting my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items ) to be in error : I am writing to dispute the following information that your company supplied to MY CREDIT FILE I have circled the items I dispute on the attached copy of my credit reports. 



XXXX ( ACCOOUNT NUMBER : XXXX ) is inaccurate ] because EACH REPORT IS SHOWING A DIFFERENT OPEN DATE AND A DIFFERENT HIGH CREDIT BALANCE. NOT TO MENTION THE LAST REPORTED DATES ARE ALL DIFFERNT AND INACCURATE. 



XXXX XXXX ( ACCOUNT # XXXX ) HAS A DIFFERENT LAST REORTED BALANCE AND DATE WHICH NEED TO BE REMOVED FOR INACCURATECIES. 



XXXX  ( ACCOUNT # XXXX ) THIS ITEM WAS REMOVED FROM OTHER THREE REPORTS AND SHOULD BE REMOVED FROM ALL REPORTS. 



XXXX XXXX XXXX ( XXXX ) THE DATE OF LAST ACTIVETY IS INACCURATE AND SHOULD BE DELTED OFF MY REPORT. SHOWING DIFFERENT LAST ACTIVE DATE ON EACH REPORT. 



XXXX XXXX XXXX ( ACCOUNT # XXXX ) THIS ACCOUNT IS BEING REPORTED INACCURATE FOR A DIFFERENT LAST REPORTED DATE, LAST ACTIVE DATE AND REPORTING LATE PAYMENTS. LATE PAYMENTS SHOULD NOT BE REPORTED UNDER A COLLECTION AGENCY. 



These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENE to subsection ( c ) any consumer reporting agency may furnish a consumer report Unas following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed immediately Enclosed are copies of [ my credit report and other documents enclosed with supporting my request.

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 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, 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: CO

Complaint narrative:
I am writing to express my concern about a violation of my rights under the Fair Credit Reporting Act. Specifically, XXXX XXXX XXXX XXXX XXXX # XXXX has violated my privacy rights under 15 USC 1681 section 602. As a consumer, I have the right to privacy and to control the information that is shared about me. According to 15 USC 1681 section 604 A section 2, a consumer reporting agency can not furnish my account without my written instructions. This means that I have the right to decide who has access to my credit information and how it is used.

Furthermore, 15 USC 1681a definitions ; rules of constructions - exclusion - except as provided in paragraph, the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1666B states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes. This means that I have the right to make payments on time and not be penalized for doing so.

I am aware of the " Opt Out '' requirement detailed in subsection ( b ) of 15 U.S. Code 6802, and I understand the definition of " nonpublic personal information '' as provided in subsection ( e ) ( 4 ). I expect that my rights under the Fair Credit Reporting Act will be respected and that my privacy will be protected.

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 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have tried several times to work with Experian ( along with XXXX ) to remove inaccuracies within my credit report, and they have continuously refused to even investigate my claims. Each time, I recieve a bogus, auto-generated response - even though I am sending PROOF that the claim is valid. Please see their email response below : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with Experian for free '' There is NO law that states a consumer can not use a third party, so using that as their excuse is irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. 

Even so, I have sent these letters myself now on 4 occasions ( XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 ) .. the companies are ruining people 's lives and are not being held accountable. 

Thank you in advance for looking into these issues.

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 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation