vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 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: FL

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XX/XX/2024 Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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 TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be updated. 


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 TRANSUNION 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! 


Update 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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CNG FINANCIAL CORPORATION
State: AL

Complaint narrative:
This creditor, Is trying to collect debt that that is not owed. The debt has been written off as a profit loss and there is no longer a payment owed. The original creditor did not send me a XXXX, so that I could do the same. They are still reporting on my credit report as negative and that I owe the balance, even though they took a tax break! I am requesting a copy of my XXXX, that I did not receive. Therefore making my credit report negative with inaccuracies. 

Under the FCRA, I can seek statutory damages if a creditor furnishes inaccurate information about a debt, such as incorrectly reporting a charge-off, while still claiming I owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: TX

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 Date Opened : XX/XX/XXXX Balance : {$64000.00} Late/Open XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$930.00} Late/Open XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Open XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$210000.00} Late/Open XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed- XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Open- Inquiries : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This account is not mine XXXX In the amount of {$990.00} it is fraudulent

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 2025-01-09 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: TN

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 2025-01-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
On or about XX/XX/XXXX, severe wildfires began in XXXX XXXX XXXX, near my home residence and my XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) wildfires which significantly worsened over the ensuing days. 

On XX/XX/XXXX, FEMA declared a Major Disaster for all of XXXX XXXX XXXX ( including my residence and home zip code ) as the wildfires grew to over six active fires, now affecting both my home residence and employment with XXXXvacuation Warnings and FEMA declaration on XX/XX/XXXX. 

As a result of these truly horrific wildfires, I am requesting urgent and immediate placement of my Firstmark Services loans on a Natural Disaster forbearance for immediate action today XX/XX/XXXX. As Firstmark Services has previously honored forbearances and then arbitrarily removed the forbearance, I am requesting as that this has now been a FEMA declared Major Disaster ( FEMA Disaster DR-4856-CA ), I request immediate honoring of this forbearance on my Firstmark loans today urgently. I am also attaching a copy of my present month to month lease active since XX/XX/XXXX, reflecting the same zip code as my mailing address of XXXX -- XXXX XXXX / XXXX XXXX CALIFORNIA. 

Thank you kindly in advance for your immediate assistance in ensuring that my Firstmark loans are placed in Natural Disaster forbearance urgently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: MD

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: MO

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2025-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I have been trying to contact an agent from my mortgage finance company or bank, XXXX XXXX, several times ; but I have not been successful in reaching any live person. Every time I called the bank, I hear a tone and there is not an option to leave a message as voice-mail. I have not sent any communication via regular mail as it is impossible for me to know exactly or confirm the correct address to send mail. My issue involves or are related to my escrow payments as I have many concerns that my payments have not been applied properly. This is causing me financial harm and injuries and I need speak to someone at the above bank to solve this matter as urgent as possible. 
History of Phone calls made to above bank from me : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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 Date Opened : XX/XX/XXXX Balance : {$0.00} Charge off XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX  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 2025-01-09 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX - XXXX XXXX - XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 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
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Request for Complete Deletion of Consumer Report Data Due to Equifax Data Breach Dear to whom this may concern, I am writing to formally request the complete deletion of my consumer report data from Equifaxs records under the provisions of 15 U.S. Code 1681e, which mandates that consumer reporting agencies must adopt reasonable procedures to ensure maximum possible accuracy and protect consumer privacy. My request is made in light of the Equifax data breach, which exposed sensitive personal information of millions of consumers, including mine.

As a result of this breach, Equifax has demonstrated an inability to safeguard the information entrusted to it. This failure not only compromises my personal and financial security but also places me at significant risk of identity theft and other fraudulent activities. I am therefore invoking my rights under the Fair Credit Reporting Act ( FCRA ) to demand the permanent deletion of all data Equifax holds pertaining to me, including but not limited to : Credit history Personal identifying information ( PII ) Inquiries, accounts, and other related records In addition to the FCRAs provisions, the Federal Trade Commission ( FTC ) and other legal precedents have consistently emphasized the importance of protecting consumer data. Equifaxs breach constitutes a failure to comply with these obligations, justifying my demand for complete data deletion to prevent further harm.

Please consider this letter as a formal notice of my request. I expect written confirmation from Equifax within 30 days of receipt, detailing the actions taken to remove my data from your records. If my request can not be fulfilled, I require a detailed explanation of the reasons for such refusal, including specific references to applicable laws or regulations.

Should you require additional information or clarification, please do not hesitate to contact me using the details provided above. Failure to comply with this request will leave me no choice but to pursue further legal action to safeguard my rights under the FCRA and other applicable laws.

Thank you for your prompt attention to this matter.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On approximately XX/XX/2024 I called CITI BANK to request account information and the assistant could not verify or deny several aspects of the account. In order for me to insure that the account is indeed mine.

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 2025-01-09 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Demand for Removal of Derogatory Items and Unauthorized Inquiries from My Consumer Report To Whom It May Concern, I am writing to formally demand that Experian immediately remove all derogatory remarks and unauthorized inquiries from my consumer report. I have disputed these inaccuracies on several occasions, provided supporting documentation, and disclosed my status as a victim of trafficking. Despite my efforts, Experian has failed to properly investigate or resolve my disputes in accordance with federal law. 

As you are aware, under the Fair Credit Reporting Act ( FCRA ), Experian is obligated to conduct a thorough and timely investigation into any disputed items ( 611 of the FCRA, 15 U.S.C. 1681i ). This obligation includes notifying data furnishers of the dispute, reviewing all relevant information, and correcting or deleting any inaccurate or unverifiable information. Your failure to conduct proper investigations and provide timely results constitutes clear violations of these legal requirements. 

Furthermore, I remind you that the Consumer Financial Protection Bureau ( CFPB ) has recently sued Experian for engaging in sham investigations of consumer disputes. This demonstrates a pattern of non-compliance and disregard for your legal obligations under the FCRA. 

I demand the immediate removal of all derogatory items that I have disputed, as well as any unauthorized inquiries listed on my consumer report dating back to XXXX. These include, but are not limited to, accounts and inquiries that I did not authorize or that were added as a result of identity theft or trafficking. 

Additionally, the FCRA provides for statutory damages of {$1000.00} per violation for willful non-compliance ( 616 of the FCRA, 15 U.S.C. 1681n ). I hereby demand compensation of {$1000.00} for each violation of the FCRA related to your failure to properly investigate and address my disputes. 

If Experian does not correct my report and provide proof of such correction within 30 days of receipt of this letter, I will have no choice but to escalate this matter. This may include filing formal complaints with the CFPB, the Federal Trade Commission ( FTC ), and my state Attorney Generals office, as well as pursuing legal action to enforce my rights under the FCRA. 

Please treat this letter as formal notice and govern yourselves accordingly. A copy of this letter and all related documentation is being retained for my records. 

I look forward to your prompt response and resolution of this matter. 

Sincerely, 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 2025-01-09 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:
XXXX XXXX XXXX XXXX. This CFPB complaint has been filled to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency block information appearing on my consumer credit report that is the result of Identify 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 on XXXX, XXXX. A personal credit card account opened at XXXX on XX/XX/XXXX. A auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX. A collections account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX. A finance account opened at XXXX on XX/XX/XXXX. These 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, 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 number 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 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