vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-09 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXXDate OpenedXXXXXXXX  Balance Owed : {$760.00} Chargeoff

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 2024-11-09 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: CA

Complaint narrative:
This account is reported open and it should be closed there's a XXXX doller monthly balance the account should be closed

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 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Account Name : XXXX XXXX Account Number : -- - Late Payments : XXXXXXXX XXXX XXXX XXXX I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments.

I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights.

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 2024-11-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: NJ

Complaint narrative:
EdFinancial services of XXXX TN has opened two accounts in my name falsely. All of my credit reports have been frozen for years. I just got a report that this company has opened two accounts in my name without checking any information out. This company needs to be addressed and they need to remove all information they have put on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: CITIBANK, N.A.
State: FL

Complaint narrative:
The merchant, XXXX, charged by debit card without my authorization in the amount of {$2000.00}, for work he did not perform. The merchant also issued a letter specifically stating he would not finish the job and that work was still pending and incomplete. I disputed the transaction and the bank continues to respond with a generic " the card was billed correctly '', i.e. the amount charged was correct. 

I was forced to hire another merchant to complete the job ( XXXX XXXX - attached ).

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 2024-11-09 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXXDate Opened:XXXX Balance Owed : {$21000.00} XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of XXXXXXXX XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/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 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: MN

Complaint narrative:
My student loans were forgiven in XX/XX/year>XXXX  pursuant to the Public Service Loan Forgiveness program after I completed my 10 years of qualifying payments. My loan servicer was Mohela. And my balance according to Mohela and XXXX is {$0.00}. 

The balances on these loans should be XXXX on my credit report but it doesnt appear that Mohela has told the credit reporting agencies. My credit report still shows balances of : {$6300.00}, {$10000.00}, {$27000.00}, {$45000.00}, and {$43000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally report an incident of identity theft that occurred as a result of the XXXX  Equifax data breach. My personal information, including my Social Security number, date of birth, and other sensitive data, was compromised during this significant security incident. 

Since the breach, I have experienced numerous issues, including unauthorized accounts opened in my name, fraudulent charges on my credit cards, and persistent collection calls regarding debts I did not incur. These incidents have caused me significant stress, financial hardship, and damage to my credit score. 

I took immediate steps to mitigate the impact of this breach by placing fraud alerts on my credit reports, freezing my credit, and monitoring my accounts closely. Despite these measures, the repercussions of the compromised data continue to affect my financial well-being. 

I request that the CFPB investigate this matter further and provide guidance on additional steps I can take to protect myself and rectify the damage done to my financial standing. I appreciate your attention to this serious issue and look forward to your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
USAA has been contacting me by email implying that I am encouraged to apply for one of the credits cards they offer. The bank even encourages me to apply for a bank account to receive a {$200.00} bonus. Every time I apply for either I get denied and get a ding on my credit. USAA will deny me and then send me another email asking me to apply AGAIN so that I can get denied again apparently. I have listed all the dates below of the times I was emailed, as you can see the dates are very close together. 

XX/XX/scrub>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
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i put in my 30 day notice with previous landlord and a new one came in and charged me with XXXX worth of charges stating i didn't put in 30 day notice and saying i didn't pay rent for XXXX months when i did even gave me credit but still charged XXXX for some reason.

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 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

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.

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.

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 2024-11-09 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: TX

Complaint narrative:
It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance XXXX {$1900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$0.00} pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.

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 2024-11-09 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: FIFTH THIRD FINANCIAL CORPORATION
State: VA

Complaint narrative:
For over 12 months, I have been disputing unauthorized accounts and inquiries reported by XXXX. Despite submitting comprehensive documentation that includes police reports and an FTC report, these inaccuracies remain on my credit profile. These documents confirm identity theft, providing substantial evidence that should prompt immediate action to remove the disputed items under the Fair Credit Reporting Act ( FCRA ). 

I have also submitted evidence from other credit bureaus, which, upon investigation, deleted the same entries from my report after confirming their unauthorized nature. Despite this, XXXX has continued to report the following items : Accounts : XXXX XXXX XXXX, XXXXXXXX XXXX Inquiries : XXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX  ( XX/XX/year> ) XXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX  ( XX/XX/year> ) XXXX XXXX ( XX/XX/year> ) Actions Taken by Me : Documented Identity Theft : I provided both a police report and an FTC report confirming identity theft, which should prompt XXXX to investigate and delete these entries. 

Submitted Evidence from Other Credit Bureaus : Other bureaus investigated and confirmed that these entries were unauthorized, subsequently removing them from my reports. This further supports my claim that these items are fraudulent. 

Repeated Disputes : Over the past year, I have repeatedly disputed these entries with XXXX, yet they remain on my report without sufficient verification or justification. 

Requested Action : In line with the FCRA and my rights under federal law, I request that XXXX : Delete the unauthorized accounts and inquiries immediately to reflect accuracy in my credit profile. 
Provide documentation of any verification attempts if they believe these items are valid, detailing the sources and methods used.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: GA

Complaint narrative:
I have formally requested, via certified mail on three occasions, that Equifax verify the fraudulent accounts appearing on my credit report. I included supporting documentation demonstrating my long-standing experience with fraud on my credit profile. Despite these efforts, Equifax has repeatedly claimed that the accounts have been verified as mine. However, they have not provided any information regarding the methods or documentation used in their verification process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXXXXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax, XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX XXXX  Account # : XXXX date opened XX/XX/XXXX Bal. {$7100.00}, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX {$610.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief