vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Open Date XX/XX/year> {$470.00} this This information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: FL

Complaint narrative:
Recently I did an investigation on my credit report and found several items on 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 shalli ) 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: PA

Complaint narrative:
Dear Consumer Financial Protection Bureau I am filing this complaint against XXXX  due to their unethical and predatory loan management practices that have negatively impacted my ability to repay my student loan. As a borrower, I trusted XXXX  to act in good faith, but I have experienced the following issues that warrant a review of my loan and possible forgiveness : 1. Deceptive Practices : XXXX  has been found guilty of deceptive practices in steering borrowers away from income-driven repayment plans or other affordable options. I believe I was not properly informed of these alternatives, which could have significantly eased my repayment burden.

2. Mismanagement of Payments : My loan payments were not applied appropriately to reduce the loan principal, making it nearly impossible to make meaningful progress toward paying off the loan. This practice appears to be part of the systematic issues XXXX  was accused of in the recent class action lawsuit.

3. Failure to Act in the Borrowers Best Interest : As the servicer of my loan, XXXX  failed to provide the guidance and support expected, prioritizing profit over the well-being of borrowers. This is evidenced by their disqualification from future government loan programs due to their actions. 

These issues have left me financially and emotionally strained, with a loan balance that seems insurmountable despite my efforts to make payments. Given the findings of XXXX misconduct, I believe it is appropriate to review my case for potential loan forgiveness. 

I respectfully request that the CFPB investigate my specific loan situation to determine whether I have been subjected to any of XXXX  unlawful practices. I am also seeking relief in the form of forgiveness or correction of my loan terms to reflect a fair resolution. 

Thank you for your attention to this matter. Please let me know if additional information is required to process my complaint. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: TX

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion failed to comply with the legally mandated timeframes for my dispute ( Dispute ID : XXXX ), heres all relevant dates and issues : Timeline Non-Compliance : Dispute Submitted : XX/XX/year>. 
Dispute Received : XX/XX/year> XXXX Follow-Up Sent : XX/XX/year>. 
Final Demand Letter Sent : XX/XX/year>. 
Deadline for Response : XX/XX/year> ( 30 days from receipt of the dispute ). 
Response Received : Through CFPB portal on XX/XX/year>, significantly exceeding the legally mandated timeframe under FCRA Section 611 ( a ). 

Incorrect Address : TransUnion mailed responses to an address where I have never lived, risking exposure of sensitive personal information and failing to meet my explicit request for communication to be sent to my correct address, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, via certified mail. 

Failure to Investigate or Resolve : Late Payments : Disputed accounts, such as XXXX XXXX XXXX XXXX XXXX XXXX, and others, remain unresolved with no verifiable proof provided. 
Unauthorized Hard Inquiries : Entities like XXXX XXXX and XXXX XXXX XXXX  inquiries were not removed, nor was consent verification documentation provided. 
Account Inaccuracies : Items like charge-offs from XXXX XXXX and XXXX XXXX remain unaddressed without evidence of verification. 
Collection Accounts : Incorrectly reported items like XXXX XXXX XXXX  were neither verified nor deleted. 
FCRA Violations : Section 611 ( a ) : TransUnion failed to conduct a reasonable reinvestigation within 30 days.

Section 609 ( a ) : Documentation supporting the accuracy of reported items was not provided.

Section 607 ( b ) : Inaccurate and unverifiable information was not corrected or deleted.

Risk to Personal Information By sending sensitive responses to an outdated and incorrect address, TransUnion has created a risk of my personal information being stolen or misused. This demonstrates negligence in safeguarding consumer data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: GA

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: DC

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: TN

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Reporting To Whom It May Concern : I am disputing inaccuracies in the reporting of my account ending in XXXX. The account contains the following discrepancies : Inconsistent Reporting of Dates : Last activity and closed dates differ across XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and Equifax ( XX/XX/XXXX ). 
Balance Reporting : The account is marked as closed and charged off, yet a balance of {$1900.00} is still being reported inaccurately. 
Account Type and Payment Details : The account type and payment details are inconsistent across the bureaus. 
These inaccuracies violate the Fair Credit Reporting Act ( FCRA ) under 1681s-2, which requires creditors to furnish accurate and complete data. I request that the account be reviewed, verified, and updated to reflect consistent and accurate information.

Please provide a response within the 30-day investigation period as required by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: TN

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Reporting To Whom It May Concern : I am disputing inaccuracies in the reporting of my account ending in XXXX. The account contains the following discrepancies : Inconsistent Reporting of Dates : Last activity and closed dates differ across XXXX ( XX/XX/XXXX ), Experian ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). 
Balance Reporting : The account is marked as closed and charged off, yet a balance of {$1900.00} is still being reported inaccurately. 
Account Type and Payment Details : The account type and payment details are inconsistent across the bureaus. 
These inaccuracies violate the Fair Credit Reporting Act ( FCRA ) under 1681s-2, which requires creditors to furnish accurate and complete data. I request that the account be reviewed, verified, and updated to reflect consistent and accurate information.

Please provide a response within the 30-day investigation period as required by the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bull City Financial Solutions, Inc
State: IN

Complaint narrative:
In or around XXXX of XXXX Bull City Financial Solutions placed an alleged debt of {$500.00} on my credit report before validating the debt and without any communication with myself. I initially disputed their claim in writing on XX/XX/year> and requested that Bull City provide validation of this alleged debt. Bull City Financial failed to respond or provide requested documentation in the 30 days given by state and federal laws according to the FDCA and the FCRA. I then sent a second letter on XX/XX/year> requesting the same documentation ( validation of debt ). Bull City then responded with with XXXX letters that do not look legit and do not include validation of the debt they are claiming. I then responded to Bull City Financial a third time informing them that they still did not provide the requested information. Bull City Financial still as of XX/XX/year>, has not provided validation of this alleged debt or any legal binding contract between them and myself, bearing my signature obligating monies owed to them by me. Bull City is in violation of state and federal laws and the FDCA, as well as the FCRA.

Receipts of letters sent and signed for by Bull City Financial Solutions as well as letters communicated are attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: FL

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$260.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$2400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: TN

Complaint narrative:
I am writing to formally dispute the inaccuracies in the reporting of Account # XXXX, originally associated with XXXX XXXX, which appears on my credit report. Upon reviewing the reports from XXXX and Experian, I have identified several discrepancies and FCRA violations that require immediate correction. 

Specific Violations and Issues Inconsistent Reporting Across Credit Bureaus : The Date of Last Activity is reported as XX/XX/year> by XXXX and XX/XX/year> by Experian. These discrepancies violate the FCRA 's requirement for consistent reporting. 
The Account Status is described differently : " Collection account '' ( XXXX ) vs. " Seriously past due date/assigned to attorney, collection agency, or credit grantor 's internal collection department '' ( Experian ). 
Failure to Reflect Account Transfer Accurately : Experian lists the account as " Transferred to another lender, '' but this status is not reflected in XXXX 's reporting. This creates confusion and violates the FCRAs standard of accuracy and uniformity. 
Vague and Misleading Account Status : Both bureaus list the account status as " Indeterminate, '' which is vague and noncompliant with FCRA standards requiring clear and accurate reporting. 
Collection Account Reporting with {$0.00} Balance : The account is reported with a {$0.00} balance while simultaneously labeled as a " Collection account '' or " Seriously past due. '' These contradictory statements mislead creditors and reflect inaccuracies in reporting.

Requested Action I demand the following actions to bring this account into compliance with FCRA requirements : Correct all inconsistencies in the account details, including dates, account status, and remarks, across both credit bureaus. 
Update the account to clearly reflect its final status, such as " Transferred, '' " Closed, '' or " Settled. '' Remove the " Collection account '' or " Seriously past due '' designation if the balance is {$0.00}, as this contradicts the accounts resolution.

If these corrections are not made within 30 days, I will escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider taking legal action for damages caused by these reporting violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: MI

Complaint narrative:
I was incarcerated for a substantial amount of time 11 years to be exact once I went over my credit report I seen numerous accounts that are not mine I have know knowledge of XXXX XXXXXXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX $ XXXX XXXX XXXXXXXX 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 2024-11-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: NV

Complaint narrative:
RE : Affirm loan # XXXX My complaint is against Affirm for their inadequate handling of a cancelled order and subsequent erroneous charges. On XX/XX/year>, I cancelled an order with XXXX, which Affirm claims resulted in a partial charge of {$100.00}. 

Despite providing Affirm with evidence from XXXX that no such charge was made, Affirm continues to wrongfully assert that the charge exists and refuses to acknowledge their error. Consequently, Affirm has not reversed the {$100.00} and expects me to pay this amount. 

I respectfully request the Consumer Financial Protection Bureau to investigate this matter and ensure that Affirm corrects their records and rectifies this mistake promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
To Whom It May Concern : I am writing to request a security freeze on my consumer credit file and a certified copy of my complete consumer report, as permitted under the Fair Credit Reporting Act ( FCRA ). 

The primary purposes are to prevent unauthorized access to my credit information, protect against potential identity theft, and obtain a comprehensive review of my current credit status. 

I am specifically requesting a complete and certified consumer report that includes all comprehensive details maintained in my file. This should encompass a full overview of my credit accounts, detailed inquiry history, personal identification information, and any additional notations or remarks present in my records. 


Identifying Information : Full Legal Name : XXXX XXXX Current Address : XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX  XXXX, TX XXXX Date of Birth : XX/XX/1988 Social Security Number : XXXX Please send all documentation via certified mail to the address listed above. I request written confirmation within 3-5 business days.

My goal is to exercise my legal rights and protect my personal financial information.

Thank you for your prompt attention to these matters.

Enclosed Verification Documents : Government-issued photo identification with current photograph Official proof of current residential address Additional supporting identification materials

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
To Whom It May Concern : I am writing to request a security freeze on my consumer credit file and a certified copy of my complete consumer report, as permitted under the Fair Credit Reporting Act ( FCRA ). 

The primary purposes are to prevent unauthorized access to my credit information, protect against potential identity theft, and obtain a comprehensive review of my current credit status. 

I am specifically requesting a complete and certified consumer report that includes all comprehensive details maintained in my file. This should encompass a full overview of my credit accounts, detailed inquiry history, personal identification information, and any additional notations or remarks present in my records. 


Identifying Information : Full Legal Name : XXXX XXXX Current Address : XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX Date of Birth : XX/XX/1988 Social Security Number : XXXX Please send all documentation via certified mail to the address listed above. I request written confirmation within 3-5 business days.

My goal is to exercise my legal rights and protect my personal financial information.

Thank you for your prompt attention to these matters.

Enclosed Verification Documents : Government-issued photo identification with current photograph Official proof of current residential address Additional supporting identification materials

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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 got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company response to consumer: Closed with non-monetary relief