vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-14 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: WA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), a charge-off should be reported once, reflecting the date it was charged off, and should not continue to appear as if a new charge-off is happening monthly. 

XXXX XXXX continues to report the account as charged off each month. Instead, the charge-off should be noted as a single event, and subsequent reporting should reflect the status of the account, such as unpaid, settled, or in collections. 

Multiple charge-off entries for the same debt should not appear on a monthly basis. 
The debt should appear only once, with subsequent updates reflecting status changes. XXXX XXXX  is reporting charge off every single month and reaging negatives. They are reporting inaccurately as new charge offs every month.

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 2024-09-14 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.1682c-2 ) that you Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of mobile telecommunication for XXXX open XX/XX/XXXX, XXXX XXXX XXXX reported on XXXX and gym memberships open XX/XX/XXXX for XXXX XXXX XXXXXXXX and XXXX XXXX open on XX/XX/XXXX. These accounts have resulted in fraudulent collections and charge offs appearing on my consumer XXXX credit report maintained by you which shows aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or charge offs are resulted from this matter. 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 charge off collection accounts resulted from this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 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: OH

Complaint narrative:
on my credit report, which I have determined to be the result of identity theft. Under the Fair and Accurate Credit Transactions Act ( FACTA ), Section 605B, I am requesting that these items be blocked from my credit report as soon as possible to prevent further damage to my credit history. 
The following accounts were opened fraudulently without my consent or authorization 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 Additionally, there have been unauthorized inquiries made by the following entities : XXXX. XXXX XXXX. XXXX  Please note that all the above creditors have already been notified about this incident. As per FACTA Section 605B, I am requesting that these fraudulent accounts, along with any associated records and inquiries, be blocked from my credit file. The action is to be taken within four business days of receiving this documentation, preventing these items from affecting my credit score and from being used in credit decisions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: NJ

Complaint narrative:
The company closed my account and i didnt receive my funds in the closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: I.C. System, Inc.
State: WV

Complaint narrative:
Constant sim swiping while committing identity theft through XXXX XXXX XXXX XXXX, I paid my bill and the payment was missing XXXX  days later and I was told that my services were disconnect when in fact someone else ha walked into my account pretending to be me and they could never find my payment even when I provided a cash receipt of payment. I filed a fraud report because the person that took over the account was also accessing my IRS accounts

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 2024-09-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I inquired about removing my name as a co signer after being a co signer for more than XXXX years. Navient informed me more payments had to be made, before me being removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: WV

Complaint narrative:
My credit report is showing this student loan was transferred in XXXX by Nelnet when in fact it was not refinanced until XX/XX/XXXX. Since Nelnet has been reporting to my credit report that they charged me {$13000.00} and that it was not paid showing in the negative while they supposedly processed an IBR on the account but has been reporting to my credit report delinquent XXXX with on time reporting through the IBR when in fact it was a charge accumulated over the course of XXXX yrs finance charge that was forgiven through COVID and they turned around and recharged by account the amount that was forgiven stating that it was a finance charge. This account has never been delinquent with an original amount of {$160000.00} now $ XXXX interest is inclusive not separate. This was reported to the ID theft because the furnisher stated that they did not furnish that information when calling the credit bureau they would not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
I am being charged for past rent on an apartment/house I never lived at co-signed for at all, I currently own my own house and have been living in my home since XXXX  in XXXX  and have been there every since then. 

the amount is {$5400.00} I have never lived at this address in question

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against Equifax for Credit Reporting Issues Dear CFPB, I am writing to formally express my concerns regarding the ongoing issues I have experienced with Equifax, which I believe have negatively impacted my creditworthiness and character. 

Despite my efforts to address positive accounts in my credit report, Equifax has continued to misuse my credit report by removing a positive account that I've had over a year. This misreporting has resulted in significant consequences, including the denial of credit applications and increased interest rates, which have placed undue stress on my financial situation. 

I have attempted to resolve this issue by contacting Equifax directly, but my concerns have not been adequately addressed. I believe that their actions violate the Fair Credit Reporting Act ( FCRA ), which mandates accurate reporting of credit information. I've also filed an FTC report Equifax did not have my written consent to access my credit report. 

I kindly request your assistance in investigating this matter and taking appropriate action against Equifax for their failure to comply with federal regulations. I am hopeful that your intervention will restore my credit reputation. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, The only account that should have been removed is XXXX XXXX XXXX which is a derogatory account in stead they removed a positive account from my credit report XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: WV

Complaint narrative:
Constant sim swiping while committing identity theft through XXXX XXXX XXXX XXXX, I paid my bill and the payment was missing XXXX  days later and I was told that my services were disconnect when in fact someone else ha walked into my account pretending to be me and they could never find my payment even when I provided a cash receipt of payment. I filed a fraud report because the person that took over the account was also accessing my IRS accounts

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 2024-09-14 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: T.S. Holdings
State: CA

Complaint narrative:
XXXX XXXX XXXX ACCOUNT # XXXX AMOUNT : {$6500.00} According to the law 15 US code 1692c, it states : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt Types of communication : Report to credit bureau Letters in the mail

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: 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 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 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 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX 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, 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 XXXX XXXX XXXX XXXXXXXX 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 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 2024-09-14 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:
Kindly block and remove the false accounts appearing on my credit report. Its important that this is done promptly. I am appealing for your support concerning the misleading account on my credit report. The issue has badly hurt my reputation, and I need your help. Your mismanagement of my credit report has deeply damaged my standing, and these wrong details must be removed immediately.

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 2024-09-14 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: IN

Complaint narrative:
recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the Account 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 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the Account XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: TX

Complaint narrative:
I have 5 inquiries on my credit report that I did not apply for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: OH

Complaint narrative:
am writing to formally dispute the appearance of several unauthorized accounts and inquiries on my credit report, which I have determined to be the result of identity theft. Under the Fair and Accurate Credit Transactions Act ( FACTA ), Section 605B, I am requesting that these items be blocked from my credit report as soon as possible to prevent further damage to my credit history. 
The following accounts were opened fraudulently without my consent or authorization : 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 XXXXXXXX XXXX PA XXXX Additionally, there have been unauthorized inquiries made by the following entities : XXXX. XXXX XXXX XXXX. XXXX Please note that all the above creditors have already been notified about this incident. As per FACTA Section 605B, I am requesting that these fraudulent accounts, along with any associated records and inquiries, be blocked from my credit file. The action is to be taken within four business days of receiving this documentation, preventing these items from affecting my credit score and from being used in credit decisions.

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 2024-09-14 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: Central Portfolio Control Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX ACCOUNT # XXXX AMOUNT : {$6500.00} According to the law 15 US code 1692c, it states : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt Types of communication : Report to credit bureau Letters in the mail

Company response to consumer: Closed with explanation