vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-13 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: WA

Complaint narrative:
Yesterday, XX/XX/year>, I received an email from XXXX XXXX  stating my score changed. I logged in and saw that my MOHELA account had closed and opened a new one. MOHELA sent emails in XX/XX/year> to state they would still be the service agency handling my loans but they were internally updating the platform to a new URL. If there is an internal platform upgrade, I understand that this should not cause my account to close and reopen, which will adversely affect my credit score. Because MOHELA will continue to be my loan service authority and not a new service agency, this should NOT have affected my credit score at all with an internal system upgrade. 

MOHELA should have either stated in their emails about the transition that credit scores may be affected or that this should not have affected anyone 's credit score by closing and opening the account on their credit report. This is not a new account or servicer. This type of misinformation on MOHELA 's part should be corrected, and the agency held accountable for its extremely poor business practices. This is not the first time MOHELA has been a frustrating and challenging experience to navigate my student loan repayment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: PA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: PA

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 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: TN

Complaint narrative:
I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

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 2024-10-13 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: TN

Complaint narrative:
I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

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 2024-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
Under the fair credit reporting act, 15 U.S.C, 1681g I have the right to demand the you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report please dont respond to my request by saying that this account have been verified send me copies of the documents theta you have in your file that were use to verify it.

If you do not have any documentation in your file to verify the accuracy of the dispute account then please DELETE IT IMMEDIATELY as requested under Section 611 ( a ) ( 5 ) ( A ) ( I ) .By publishing this inaccurate and unverified items on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthinesss Under the FCRC 15 U.S.C ., 1681li all unverified accounts Must be promptly deleted therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed above within 30 days of receipt of this letter then you must remove these accounts from my 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 2024-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: TN

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: TN

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have attached copies of my credit report showing the disputed accounts that the credit bureaus are simply NOT EVEN investigating as usual. I kindly request that the CFPB investigate these matters and ensure that the inaccurate information is corrected or removed from my credit report. 

Please confirm receipt of this letter and keep me informed of the progress of your investigation. I appreciate your prompt attention to this matter. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have attached copies of my credit report showing the disputed accounts that the credit bureaus are simply NOT EVEN investigating as usual. I kindly request that the CFPB investigate these matters and ensure that the inaccurate information is corrected or removed from my credit report. 

Please confirm receipt of this letter and keep me informed of the progress of your investigation. I appreciate your prompt attention to this matter. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, and a account opened at XXXX XXXX  XXXX XXXX on XX/XX/XXXX, under the account number XXXX, and an credit card account opened at XXXX on XX/XX/XXXX and a Credit account opened on XX/XX/XXXX at XXXX XXXX  accounts number XXXX and a XXXX Credit Card account opened on XX/XX/XXXX account number XXXX and a collections account opened at XXXX & XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in fraudulent collections appearing on my consumer XXXX 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 tems. I do not recognize the aforementioned accounts, collections, or hard inquiries as a rogue credit report maintained by you were not opened, made, or injared by mo. Al of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and a copy of FTC identity Theft Criminal Complaint # ( XXXX number as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries closed accounts are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries and closed accounts identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 1681c-2 ) that you, the 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 personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a account opened at XXXX XXXX  XXXX XXXX on XX/XX/XXXX, under the account number XXXX, and an credit card account opened at XXXX on XX/XX/XXXX and a Credit account opened on XX/XX/XXXX at XXXX Bank accounts number XXXX and a XXXXXXXX XXXX XXXX account opened on XX/XX/XXXX account number XXXX and a collections account opened aXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in fraudulent collections appearing on my consumer XXXX 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 tems. I do not recognize the aforementioned accounts, collections, or hard inquiries as a rogue credit report maintained by you were not opened, made, or injared by mo. Al of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and a copy of FTC identity Theft Criminal Complaint # ( XXXX number as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries closed accounts are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), that the XXXX credit XXXX XXXX XXXX XXXX of the accounts, collections, and hard inquiries and closed accounts identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to 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 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please Modify the following items on my credit report to 100 % on-time payments, immediately : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please Modify the following items on my credit report to 100 % on-time payments, immediately : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: CHACON AUTOS, LTD.
State: TX

Complaint narrative:
**Complaint Summary for XXXX XXXX XXXX** **Personal Information : ** - **Name : ** XXXX XXXX XXXX - **Year of Birth : ** XXXX - **Address : ** XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , TX XXXX - **Contact Number : ** ( XXXX ) XXXX - **Victim Alert : ** Fraudulent applications may be submitted in my name or my identity may have been used without my consent to fraudulently obtain goods or services. Do not extend credit without first contacting me personally and verifying all application information. This victim alert will be maintained for seven years, beginning XX/XX/XXXX. 

# # # **Violations and Companies Involved** 1. **CHACON AUTOS LTD** - **Violation : ** Inaccurate reporting of three late payments on a closed auto loan account that do not reflect the actual payment history. 
- **Company 's Role : ** Responsible for providing accurate account information to credit bureaus ; the inaccurate reporting negatively impacts the consumer 's credit score. 

2. **XXXX XXXX** - **Violation : ** Inaccurate reporting of 23 potentially negative months on a closed note loan account, including multiple charge-offs that misrepresent the payment history. 
- **Company 's Role : ** As the creditor, XXXX XXXX is required to accurately report account status and payment history to credit bureaus. 

3. *XXXX** - **Violation : ** Inaccurate reporting of 45 potentially negative months on a closed charge card account, indicating a charge-off status that does not reflect the payment history. 
- **Company 's Role : ** Responsible for reporting accurate information regarding account status and payment history. 

# # # **Legal Violations : ** 1. **15 USC 6802 ( XXXX Act ) ** - Violated by selling or reporting personal information without consumer consent. 

2. **15 USC 1681i ( Fair Credit Reporting Act ) ** - Violated by failing to conduct a reasonable investigation into disputed information and failing to correct inaccuracies. 

3. **15 USC 1681a ( Definitions ) ** - Violated by reporting without consent, misrepresenting what constitutes a consumer report. 

4. **15 USC 1681b ( Permissible Purposes of Consumer Reports ) ** - Violated by obtaining and selling credit report information without permissible purposes or consumer consent. 

5. **15 USC 1681c ( Exclusions from Consumer Reports ) ** - Violated by including unverifiable or outdated information that should have been excluded. 

6. **15 USC 1681e ( Compliance Procedures ) ** - Violated by failing to follow reasonable procedures to ensure maximum possible accuracy of information in consumer reports. 

**Involved Credit Reporting Agencies : ** - **XXXX** - **XXXX** - **XXXX** - **XXXX** - **XXXX** - **XXXX** These agencies may have sold, purchased XXXX and reported personal information without consent and failed to adhere to proper verification procedures, leading to inaccurate reporting.

Company response to consumer: Closed with explanation