vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-06 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : XXXX for XXXX and XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to request your urgent intervention in the matter of persistent inaccuracies in my credit reports as maintained by XXXX, Experian, and XXXX. Despite multiple disputes and the submission of sufficient documentary evidence confirming the discharge of my student loans under the XXXX XXXX XXXX program ( XXXX XXXX XXXX XXXX ), these agencies have failed to update their records accurately. This ongoing issue is detrimentally affecting my credit score and my ability to access financial products. 

Detailed Account Information and Dispute History : 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 
Experian : 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 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 
These accounts were XXXX due to recognized deceptive practices by XXXX XXXX and this discharge is supported by formal letters from XXXX XXXX XXXX, acknowledging the forgiven status of these loans. 

Enclosures : Discharge letters from XXXX XXXX XXXX. 
Copies of all disputes submitted to XXXX, Experian, and XXXX. 

I request the CFPB 's immediate review and intervention to ensure that these discrepancies are corrected in accordance with federal regulations. Your assistance in this matter is crucial and greatly appreciated. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I Demand the immediate removal of inaccurate information from my consumer report, specifically concerning the account linked to XXXX XXXX with the account number XXXX, reported by your agency. 

First and foremost, I want to emphasize that I have never lived in XXXX, and I have no associates or connections to this address whatsoever. I am a lifelong resident of XXXX and have no affiliations with XXXX. I am CLEARLY A VICTIM OF IDENTITY THEFT As You Learned In Previous disputes Therefore, any reporting related to the XXXX XXXX address in XXXX is entirely inaccurate and should not be associated with my credit report in any way. 

It is concerning that Experian has reported this information without proper verification, which violates my rights as a consumer. I have repeatedly requested proof and validation of this information, as required by law, yet Experian has failed to provide the necessary documentation. YOU HAVE VIOLATED MY RIGHTS PER 15 U.S. Code 1692f. Unfair practices 1692g. Validation of debts 1692e - False or misleading representations

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: OR

Complaint narrative:
I was denied a XXXX  XXXX  checking account due to a a consumer reporting agency reporting something negative to XXXX  XXXX. Check systems is reporting false information on my credit report. They are in direct violation of the Fcra and my consumer rights have been violated. 15 USC 1681

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 2024-05-06 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly 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 2024-05-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
As of XX/XX/XXXX of last year I started getting emails and phone calls, obvious spam and would delete and block the emails and ignore the phone calls and voicemails. By XX/XX/XXXX of 2023 XXXX XXXX has said that I owed a debt of {$150.00} and later on with no date added an additional {$28.00} in fees. This is impossible because I'm under my dad 's XXXX XXXX account and have never had a XXXX account and no one in my family does as well.

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 2024-05-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
To : Mohela XXXX From : XXXX XXXX Subject : Loan Forgiveness Problems ( Part 2 ) I am a XXXX veteran and Im now a XXXX  in XXXX XXXX I have 20 years of XXXX  experience. I have XXXX  in XXXX, XXXX XXXX, and now XXXXXXXX XXXX I am notifying you of a problem I am having with the new amount that has been given to me to pay. I signed up for loan forgiveness back in XX/XX/2023 and received approval to have my loan forgiven. The majority of my loan was forgiven and my monthly payments were {$230.00} and {$49.00}. Now I find out the new payment amount is {$1400.00} and {$910.00} and the total amount I owe is back to the original amount. I do have copies of the information that was sent to me. I sent them copies of my forgiveness. not sure what's going on but this is not what I agreed upon to pay. 

I will continue to contact you via email because trying to contact you by phone is close to impossible. Based on the documents provided by myself to you both in this email and my documents in my MOHELA account. I was forgiven the amount of {$510.00}. The amount to be paid back is {$210.00}, XXXX. My payment was to be {$230.00}, plus an additional {$49.00}. You now have me back at {$710000.00}. Not sure how this happened but, I was approved by the Valuable Education ( SAVE ) plan. All the documents are attached. I will be awaiting your reply soon. Reinstate my forgiven amount XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly 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 2024-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: CA

Complaint narrative:
I've consistently ensured that payments on this account are made on time, never allowing them to become overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be corrected.

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 2024-05-06 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly 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 2024-05-06 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: OH

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly 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 2024-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
Although I wrote them the previous year closing this account, Barclays Corporation paid {$49.00}. for a subscription I no longer wanted and sent me a bill. I wrote them asking for an explanation. They started billing me large punitive fees without trying to resolve the issue. They are being punitive and vindictive in trying to ruin my credit stating I am a major credit risk. Their fees are over {$300.00}. Why was this mistake made in the first place?

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 2024-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am in the process of buying of buying a XXXX. I received an email from my attorney with wire instructions for closing. The email had the address of the unit to be purchased. I wired the money, on XX/XX/XXXX. I sent a confirmation of the wire to my attorney and did not hear back. A few days later, I received an email stating that the title company had not completed the closing paperwork, so they were sending the money back. The money has still not shown in my account. I sent an email to my realtor and my attorney that the money still wasn't showing in my account as of today XX/XX/XXXX. My realtor said something was not right. Then my attorney called and said she had never wired me instructions. On further examination, the original email used my attorney 's name and business info, but was not the same email address. The emails had all of the the accurate information regarding the unit I was to purchase as well as the correct closing costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: OH

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: MD

Complaint narrative:
I looked at my credit report and saw that I have a late payment. However they are reporting this late payment and it is inaccurate. I sent a letter trying to fix this problem but I haven't seen ant updates. 


I also sent a letter asking them to provide me a Description of how they verify how this late payment is accurate, But they did not. This is a violation of my federal right. Can you help with this matter. 

I sent a Certified letter Tracking number is XXXX XXXX Thank you

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 2024-05-06 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: OR

Complaint narrative:
On XX/XX/year>, A fraudulent charge of {$87.00} was made to my account. I notified Citicard & they reversed the charge. On XX/XX/year> I rec 'd a letter stating that " merchant provided documentation confirming merchandise was delivered to my home address '' & that they were reversing the credit. I contacted the disputes department many times to argue my case but nothing happened. I finally wrote to the Consumer Service Team with the following information : This company " XXXX XXXX XXXX XXXX '' sells Specialized parts for mountain bikes on line. I pointed out that I'm a XXXX XXXX XXXX woman! In addition the 'confirming documentation ' shows the following : " Delivery date : NOT AVAILABLE, and XXXX : N/A, There was no delivery. On the basis of this evidence, on XX/XX/XXXX they credited my account for {$87.00}. HOWEVER, they failed to remove the interest and penalties that had accrued since XXXX. The balance is now over {$110.00} & increasing by over XXXX  XXXX. And because of this 'non-payment ' my XXXX XXXX has gone down over XXXX points. There should have been no late payments or fees while the purchase was in dispute, and it should not have been reported to the credit bureaus as late payment.while in dispute.

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 2024-05-06 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: OH

Complaint narrative:
I XXXX XXXX, hereby assert my rights as an individual and consumer, as recognized by the FDCPA and FCRA. My personal privacy, safeguarded by Title 15 U.S.C 1681 ( a ) ( 4 ), has been consistently breached. It's essential to highlight that I have never granted written authorization, as stipulated in Title 15 U.S.C 1681 b ( 2 ), for these transactions to be publicly disclosed. 
Furthermore, my credit card ( XXXX XXXX  XXXX ), defined in Title 15 U.S.C 1602, has been utilized without my explicit written consent. As outlined in Title 15 U.S.C 1681s, the duty to implement administrative measures falls upon your organization. I wish to bring to your attention the responsibility of the involved entities XXXX, XXXX, and Experian, as indicated in Title 15 1681 2 ( b ) for their lack of due diligence in maintaining accurate data. The presence of erroneous information on my consumer report, with a data breach has led me to file an identity theft report. 
I emphasize that, pursuant to 15 U.S.C 1681 c-2 ( e ), these inaccurate accounts must be removed within 4 days of filing the identity theft report, not the usual 30 days. It's important to note that the unauthorized utilization of my credit card, in violation of Title 15 U.S.C 1602, does not confer any benefit upon me, the consumer, in accordance with Title 15 U.S.C 1681s.

I extend my gratitude for your assistance in upholding Federal Law during this recent revelation. This letter serves as an urgent request for the prompt elimination of the subsequent accounts from my credit report : XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXXXXXX XXXX XXXXXXXX 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

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 2024-05-06 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: WI

Complaint narrative:
I sent 3 separate certified letters out to the companies/Equifax requesting debt validation/removal of accounts. The companies have either not responded to my certified letters, or have used stall tactics to pacify. I have waited now over 90 days, & they are in violation of FCRA. 

I have filed a lawsuit in XXXX XXXX XXXX XXXX. My case is scheduled for XX/XX/XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I recently had a high balance of around {$1700.00} with my Destiny credit card. Part of that balance was two over limit fees ( {$40.00} and {$30.00} ) and three returned check fees. I had opted out and f over limit coverage and to my understanding by opting out of the coverage, I would not have over the credit limit fees. In addition to those fees, Destiny card ( Concora credit ) had closed my account. 
They state they closed my account due to to many returned, unpaid payments, which I understand to a point. As I had provided the incorrect account for payment in error. 
I had explained that and asked Destiny credit card for forgiveness and to reinstate my solid account. I have not only paid off my outstanding balance, but part of that balance was utilized for over the credit limit fees unfairly Additionally, destiny credit card is refusing to mail me a check in the amount of {$49.00} that I have over paid and denying to refund me the two over the credit limit fees of {$40.00} and {$30.00}. I had also asked as a courtesy if they could Wave as a one time courtesy the return check fees, which I was also denied

Company response to consumer: Closed with monetary relief