vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-27 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: PA

Complaint narrative:
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 Re : Request for Verification and Removal of Late Payment Entries Dear Sir/Madam/To Whom It May Concern, I am writing to formally request the verification of the late payment entries posted on my credit report by XXXX. According to my records, there have been several instances of late payments reported on my account.

Under the provisions of the 15 U.S. Code 1666b and 15 U.S. Code 1637, I request that XXXX provide detailed tracking numbers for each instance where a late payment was reported. Specifically, I need documentation proving that each periodic statement was mailed or delivered to me at least 21 days before the payment due date. This request includes the following information for each late payment entry : The date the statements were mailed or delivered. 
The tracking numbers for the statements Proof of delivery confirming the statements were received at my address Procedures XXXX has in place to ensure compliance with the 21-day rule before reporting late payments. 
If XXXX is unable to provide this documentation for any of the reported late payments, I request the immediate removal of those entries from my credit report with each credit bureau ( Experian, XXXX, and XXXX ) as they would constitute a violation of the relevant statutes.

Please treat this matter with the urgency it deserves and provide the requested within 30 days of receipt of this letter. Failure to comply with this request will leave me no option but to pursue legal remedies for violators of the Fair Credit Billing Act and the Truth in Lending Act.

I look forward to your prompt response and resolution of 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 explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XX/XX/year> Saturday @ XXXX Process Server/Third Party Courier on behalf of Portfolio Recovery Associates is seen on XXXX XXXX XXXX harassing me, violating and invading my privacy by standing in the public street in front of my house yelling my name. This is after notifying the company with a Cease-and-Desist Demand letter via email and USPS mail on XX/XX/year> and XX/XX/year>. They are embarrassing me, attempting to intimidate me, and harassing me, and invading my privacy at my place of residence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 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: GA

Complaint narrative:
I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts I do not recognize are continued here. 

XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2024-07-27 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: Nelnet, Inc.
State: WI

Complaint narrative:
Nelnet, XXXX XXXX XXXX, and Department XXXX XXXX XXXX have entered into an agreement with me to discharge my student loans under the ( XXXX  ) Total and Permanent XXXX Discharge Servicer. Once monitoring period of ( 3 ) three years have been completed of I have reached the age of XXXX XXXX XXXX, and that I must not enroll into school using government loans or processes, shall make is TPD invalid. The TPD has been discharged by the information is still being updated in the bureau causing a debt to ratio on my credit report and this is unwanted because I can never use these educational services anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: GA

Complaint narrative:
They have received the affidavit listing all of the legal violations of the Fair credit report act which are {$1000.00} per violation per their laws. They at this point have chose to default and not adhere to the legal statue and codes refusing me the legal remedy Im entitled to as a consumer Section 604 ( f ) prohibits any person from obtaining a consumer report form a consumer reporting agency ( CRA ) unless the person has certified to the CRA the permissible purpose ( s ) for which the report is being obtained and certifies that he report will not be used for any other purpose.

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 2024-07-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: CA

Complaint narrative:
I received XXXX in XX/XX/XXXX after working ten plus years as a social worker. I have attached the letter. I continued to check XXXX almost daily to make sure my loan balance still showed {$0.00} for almost a year. In XX/XX/XXXX I receive a letter from Mohela stating that my repayment structure has changed. To my knowledge I have no student loans anymore so I have no idea what they are talking about. I log in to Mohela and they are showing I have two loans, an unsubsidized and a subsidized consolidated loan from XXXX. Where did these loans come from? Why were they not included in my PSLF? I called Mohela who said they couldnt tell me anything because XXXX had taken back all of their XXXX information so they couldnt help me. I called the FSA Ombudsman who also couldnt figure it out and thought it might just be a mistake from the switch over from Mohela to XXXX. I have put complaints in on FSA for help, I have pending XXXX and XXXX forms just to try to get someone to even look at my account and I get nowhere. Now Mohela tells me I have payments due in XXXX. On loans that I believe were forgiven last year. I need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: NJ

Complaint narrative:
my consumer report must be accurate and verified. By law, any credit reporting agency must provide proof of any negative reporting of inaccurate information on a consumer report. I mailed a letter to Experian on XX/XX/XXXX, requesting proof that the late payment on this account was accurate XXXX XXXX XXXX Account XXXX late payment XX/XX/XXXX. I received an online response that the account was updated but the 30 late payments remain. Where is the proof!!! The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of 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 2024-07-27 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have been up to date on my synchrony bank Lowes card forever. In XXXX they just reported a 30 day late payment so logged in online and it said I was up to date and no payment due until XXXX so I paid anyway. 

When asked I was told this payment missing was in XXXX??? For {XXXX 

How in the world can I be up to date for months and a muster late fee appears? I need this off my report as I am in the process of buying a house.

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 2024-07-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 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 instruction

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 2024-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
The following account is hurting my credit rating, credit standing, and credit capacity Citi [ Account # XXXX ]. Pursuant to section 623 ( b ) ( 1 ) ( E ) ( ii ) I am demanding that this agency removes this account from all of my consumer reports as it is inaccurate, incomplete, and/or unverifiable. This account was removed from a consumer reporting agency because it did not comply with the FCRA therefore as a supporting documentation, your agency now has a reasonable cause to believe that the furnished information is inaccurate and must be permanently removed from my consumer reports.

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 2024-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX, XXXX XXXX, and a few other hard inquiries are showing up after I reported fraud to my account and identity theft to XXXX XXXX  and XXXX. These should have been removed from my account and I can't dispute them for some odd reason now. I would like this matter taken seriously and handled in a timely manner.

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 2024-07-27 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: NC

Complaint narrative:
XXXX, XXXX XXXX, and a few other hard inquiries are showing up after I reported fraud to my account and identity theft to XXXX XXXX  and Equifax. These should have been removed from my account and I can't dispute them for some odd reason now. I would like this matter taken seriously and handled in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CRESCO CAPITAL INC.
State: TX

Complaint narrative:
Cresco Capital is reporting incorrect information to my credit report. I had provided the CFPB the screenshot of the incorrect reporting and the CFPB closed the complaint without the issue being resolved.

I am starting to think, that the CFPB has no power to effect change. I refuse to think that the CFPB does not care for the consumers. I know better. Cresco Capital is reporting {$560000.00} as the highest balance and blatantly lied to the CFPB or they are unaware of their error. 

I proved this with a screenshot of my credit reporting and it was overlooked or rejected. I will provide the CFPB a current screenshot which was taken today, XX/XX/year> approximately XXXX minutes ago at the time of writing this complaint. As you will see in the XXXX screenshot, the reporting dates are different. The earlier XXXX is from XXXX and the other is from XXXX. 

Also the difference in reporting dates is also cause for deletion. This account must be deleted asap. 

The account must be deleted. 

Sincerely XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2024-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
Subject : Complaint Regarding Credit Card Transaction Dispute - Request for Resolution Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding a recent credit card transaction dispute with Chase. I purchased a first-class upgrade for mXXXX XXXX XXXX XXXX costing XXXX}. Unfortunately, he was downgraded to business class without our consent, which significantly diminished the quality of service we paid for and expected. 

The original flight fare was paid using a different credit card ( XXXX XXXX ). On XX/XX/year>, I contacted Chase to dispute the upgrade fee specifically, under the claim " Did not receive the service which I paid for. '' Despite explaining that this dispute concerned only the upgrade fee and not the original fare, my claim was denied on XX/XX/year>, with the justification that the flight had already taken place. 

I respectfully request your intervention to secure a full refund for the upgrade fee. The service I paid for was not provided, and I believe I am entitled to a refund under these circumstances. Your assistance in this matter is crucial, and I trust the CFPB will ensure a fair resolution. 

Thank you for your time and attention to this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been writen to, XXXX, EQUIFAX XXXX XXXX to remove most of my personal information from the repor. 

What is correct to appear : ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( My Personal Residence ) XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( My Own Company- XXXX # XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Absolute Resolutions Corp.
State: AZ

Complaint narrative:
Original debt from XXXX XXXX XXXX XXXX  XXXX sold to Absolute Resolutions which then sold to multiple entities XXXX, XXXX, XXXX, etc Both XXXXXXXX XXXX XXXXXXXX reported to credit agencies as collectors of the SAME DEBT as two separate items. I believe this to violate the FCRA???? 
I subsequently reached a settlement agreement for the debt with XXXX and paid them via cashiers check. They then removed the item as agreed, but XXXX refuses to remove after multiple requests and continues to report as the owner of the debt which it has sold. I believe this to be fraudulent. I am attaching notice from my attorney concerning the settlement via email copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: VA

Complaint narrative:
To Whom It May Concern : Id like to bring to your attention the following errors in my credit report. I am hoping to get some assistance from the CFPB, in accordance with the Fair Credit Reporting Act. Id like to request the deletion of these inaccurate accounts that are having a detrimental impact on my XXXX XXXX and resultant interest rate costs : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, account ending XXXX ( a ) Account Status should show Closed ; was paid as agreed ( b ) Available Credit {$0.00}. No late payments. 
( c ) Error in the record. I request CFPB assistance so Experian, XXXX and XXXX would please remove this record. 

XXXX. XXXX XXXXXXXX XXXX XXXX XXXX, account XXXX ( a ) Duplicate account, and covered under number XXXX above. 
( b ) This account was not Charged Off. 
( c ) Error in the record. I request CFPB assistance so Experian, XXXX and XXXX would please remove this record. 

3. XXXX XXXX  account ending XXXX ( a ) Account Status is incorrect. This account was not Charged Off. 
( b ) Monthly payments of {$150.00} from XX/XX/year> through XX/XX/year>, have been paid and are not reflected. There are no payments past due. 
( c ) Error in the record. I request CFPB assistance so Experian, XXXX and XXXX would please remove this record. 

4. XXXX XXXX  account ending XXXX ( a ) Account Status is incorrect. This account was not Charged Off. 
( b ) Monthly payments of XXXX  from XX/XX/year> through XX/XX/year>, have been paid and are not reflected. There are no payments past due. 
( c ) Error in the record. I request CFPB assistance so Experian, XXXX and XXXX would please remove this record. 

5. XXXX XXXX, account ending XXXX ( a ) Account Status is incorrect. This account was not Charged Off. 
( b ) Monthly payments of XXXX from XX/XX/year> through XX/XX/year>, have been paid and are not reflected. There are no payments past due. 
( c ) Error in the record. I request CFPB assistance so Experian, XXXX and XXXX would please remove this record. 

Thank you for your attention to this matter, and feel free to reach me by phone or email. Based on your determinations, XXXX happy to follow up with XXXX XXXX, XXXX XXXXXXXX XXXX as well as the credit reporting bureaus. 

Kind regards, 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 2024-07-27 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: PA

Complaint narrative:
I am writing to delete the following information from my file. The items i deleted are listed in the report I am a big team of identity theft and i did not make the charge. I reported the theft of my identity to the federal trade commission and i also have enclosed copies of the federal tray, commission identity, theft, affidavit. please delete this items 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 2024-07-27 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: PA

Complaint narrative:
I am writing to delete the following information from my file. The items i deleted are listed in the report I am a big team of identity theft and i did not make the charge. I reported the theft of my identity to the federal trade commission and i also have enclosed copies of the federal tray, commission identity, theft, affidavit. please delete this items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account Independent Dealers # XXXX, has violated my rights. 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.

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 2024-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
The following account is hurting my credit rating, credit standing, and credit capacity Wells Fargo [ Account # XXXX ]. Pursuant to section 623 ( b ) ( 1 ) ( E ) ( ii ) I am demanding that this agency removes this account from all of my consumer reports as it is inaccurate, incomplete, and/or unverifiable. This account was removed from a consumer reporting agency because it did not comply with the FCRA therefore as a supporting documentation, your agency now has a reasonable cause to believe that the furnished information is inaccurate and must be permanently removed from my consumer reports.

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 2024-07-27 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: IL

Complaint narrative:
I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the inquiries and addresses I do not recognize are continued here. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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