vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Incorrect demographic & personal information on my credit profile that does not correspond to my State Drivers License. I have reached out to creditors or reporters and they said it is the responsibility of the CRA to amend said information but CRA 's refuse to remove incorrect information which will impact my ability to be a Personal Guarantor for future business loan applications that rely on a credit and clean XXXX for completion. See attached documents showing attempts that failed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: GA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: WI

Complaint narrative:
In XX/XX/year>, Mohela transferred over to dept of education. Prior to this I was on the pslf program and only had a few months left. During this time, Mohela sent out information saying nothing would change and the PSLF counts would be counted during the admin forbareance. They counted XXXX, and XXXX and is saying now that the XXXX time doesnt count because of loans were in forbareance DUE to THEIR changes of transitioning. I did not ask for the forbareance and asked for it to be taking off which it was at first. During this transition time, they added it on without permission. I called and they said time would be counted. Come XXXX, and my payment was qualifying, and I had payments due XXXX XXXX and then again in XXXX, due XX/XX/XXXX, and come to find out my loans are in forbareance again, this time until XXXX which would have been under borrowers defense which I know I signed to NOT be in forbearance and called and filed complaints.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: GA

Complaint narrative:
This complaint is in regards to the account related to XXXX XXXX XXXX This account is directly related to identity theft. The debt collector XXXX XXXX XXXX purchased a fraudulent account from XXXX XXXX an is now reporting this fraudulent debt to XXXX XXXX XXXX experian consumer report. The original creditor XXXX XXXX XXXX XXXX  is where the collection originally stemmed from. I already filed an ftc report, and CFPB report for the original account for XXXX XXXX which was proven fraudulent and deleted from XXXX XXXX XXXX XXXX XXXX report back in XX/XX/year> by experian. The debt collector XXXX XXXX XXXX purchased a fraudulent account and is now attempting to have me pay the fraudulent debt under threat of duress and coercion by reporting the fraudulent debt as a collections account on my experian consumer report. I demand this account be removed immediately due to the fact it is directly related to identity theft having stemmed from the XXXX XXXX account that was identity theft. Failure to delete this fraudulent account 4 days after receipt of this notice will be deemed civil noncompliance under the FCRA. It is not my fault XXXX XXXX XXXX purchased a fraudulent debt XXXX XXXX XXXX  shouldve done their due dilligence before purchasing the fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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:
XXXX resulted in a massive breach, along with XXXX, and Experian. my information has been exposed to the internet and these following fraudulent accounts need to be removed. 

I received a copy of my credit reports and am writing to dispute the following FRAUDULENT ACCOUNTS from information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} Date Opened XX/XX/XXXX XXXX XXXX  XX/XX/XXXX {$860.00} XXXX XXXX XX/XX/XXXX {$410.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$15000.00} XXXX Diversified XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX 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 2024-10-15 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:
XXXX resulted in a massive breach, along with XXXX, and Experian. my information has been exposed to the internet and these following fraudulent accounts need to be removed. 

I received a copy of my credit reports and am writing to dispute the following FRAUDULENT ACCOUNTS from information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX {$860.00} XXXX XXXX XX/XX/XXXX {$410.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$15000.00} 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 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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: Early Warning Services, LLC
State: GA

Complaint narrative:
Subject : Statement Regarding Identity Theft and Early Warning ServiceTo Whom It May Concern, I am writing to formally address a grave matter concerning identity theft that has severely impacted my financial well-being, specifically related to accounts at XXXX XXXX  and XXXX XXXX . I believe that the Early Warning Service has a role in this issue, and I am seeking your assistance in resolving it.The following accounts have been fraudulently opened in my name : XXXX XXXX  Account Account Number : XXXX Date Opened : XX/XX/XXXX, XXXX  XXXX  Account Account Number : XXXX Date Opened : XX/XX/XXXX, XXXX  XXXX  Account Account Number : XXXX Date Opened : XX/XX/XXXX, XXXX  did not authorize the creation of these accounts, and I have serious concerns regarding the security of my personal information. The recent account opened at XXXX XXXX  on XX/XX/year>, is particularly alarming, as it indicates ongoing fraudulent activities that need immediate attention.Despite my efforts to resolve this issue with the banks involved, I feel that the situation requires further intervention. I urge the CFPB to investigate the practices of Early Warning Service and its role in preventing identity theft and protecting consumers like myself. It is critical that institutions take stronger measures to verify identities before allowing new accounts to be opened.I kindly request that you acknowledge receipt of this statement and inform me of any actions the CFPB plans to take to address my concerns. I am prepared to provide any further information or documentation needed to assist in this investigation.Thank you for your attention to this serious matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I acknowledge receipt of the documents your company provided regarding the alleged debt. However, the information in these documents does not align with the records from the original creditor, raising serious concerns about the accuracy of the balance being reported.

Additionally, your company has a known history of adding unauthorized fees, as evidenced in cases such as Johnson v. Columbia Debt Recovery, where the court found your organization liable for emotional distress and statutory damages due to improper collection practices. The precedent established by this case demonstrates your companys tendency to misrepresent debt amounts and continue adverse reporting even after being made aware of errors.

Furthermore, the " date last active '' on this account is inconsistent across credit bureaus, suggesting that the account may have been re-aged to your advantage. This practice violates the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported to credit bureaus must be accurate and complete.

I am formally requesting that you remove the inaccurate information on my credit report to comply with FCRA standards. If these issues are not resolved within 30 days, I will pursue all available remedies, including seeking legal action for emotional distress and statutory damages under the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
After examining a recent credit report, several accounts appear to have been added without consent and seem inaccurate. A request is made to have these fraudulent accounts blocked and removed promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: PA

Complaint narrative:
Dear Experian Dispute Department, I am writing to formally dispute inaccurate information being reported on my credit report regarding the above-mentioned accounts with the Department of XXXX. Both accounts ( XXXX and XXXX ) are incorrectly showing XXXX late payment, despite the fact that I have never made any late payments on these accounts. 

I have already disputed this issue with XXXX, and they have corrected their records to reflect both accounts as Paid as Agreed. However, despite the correction, Experian and XXXX have failed to update my credit report to reflect this, which is a violation of the Fair Credit Reporting Act ( FCRA ).

Specifically, Experian are in violation of : FCRA Section 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] : Credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Reporting inaccurate late payment information that has been corrected by XXXX is a violation of this requirement.

FCRA Section 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] : Upon notification of a dispute by the consumer, credit reporting agencies must conduct a reasonable investigation and correct or delete inaccurate or incomplete information. The continued reporting of inaccurate information after a pr
oper investigation violates this section of the FCRA.

FCRA Section 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ] : Furnishers of information to credit reporting agencies, like XXXX, are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. Since XXXX has already updated the account to " Paid as Agreed, '' the failure to correct this information with Experian and XXXX is another violation. 

This ongoing inaccuracy is unjustly harming my credit score and causing emotional and financial stress, as I am being hindered from utilizing my credit properly. All credit reporting agencies are legally required to report accurate and consistent information, and this failure is negatively impacting my financial well-being.

I respectfully request that you : Immediately conduct an investigation and correct the inaccurate information on both accounts to reflect " Paid as Agreed. '' Provide me with written confirmation that these updates have been made to my credit report.

Cease reporting any inaccurate late payment information to prevent further harm. 
Enclosed is my updated XXXX credit report, which confirms the correction of this information by XXXX. 

Please take action as required under the Fair Credit Reporting Act, and notify me of the results within 30 days of receiving this letter, as required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I contacted Bank of America several times about a fraudulent bank transfer. The first time they marked my claim as user error, but I called about a fraudulent transaction. They should have been able to suspend the transaction as it was before business hours on a Monday morning. After they sent the first letter denying my claim stating I input the information wrong I had to call back because the claim should have been filed as Fraud. Ive had to go back and forth with them several times and I have repeatedly requested back up documentation showing that the money was transferred to my account, which they have yet to provide. They are not completing any type of real investigation and none of the supervisors have access to phones for me to discuss this with. I find that incredibly hard to believe that a manager/supervisor works with no communication to the team.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Lien release
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Going through a divorce I learned that Rocket Mortgage offers release of liability. I had to - pay off a HUD deferment ( over {$19000.00} ) - send 6 months of bank statements showing payments were made - proof of legal separation I paid off the HUD, sent the statements and wrote a letter stating we were legally separated. All this was done per the advice of Rocket Mortgage. 
I had to go through several rounds of sending in documentation because the requirement kept changing ( not the right paragraph with regards to legal separation, being notarized, screenshots of my bank info etc ). 
I have now learned that there is no legal process for separation in XXXX  ( XXXX of only XXXX states that does not recognize legal separation ). 
Rocket Mortgage is discriminating against XXXX  as we are not able to get proof of legal separation and have to wait until the divorce is final. This is unacceptable and- this puts undue pressure on my family specifically my children - I didn't have an extra {$19000.00} lying around so I had to borrow money Not to mention this is extremely bad customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: NV

Complaint narrative:
On XX/XX/year> I received a copy of my Experian Credit Report # XXXX. 

Upon going over my credit report given I noticed a HUGE discrepancy regarding a Creditor that does NOT belong to me, and I have NEVER done engaged in business with this company in my life. 

The creditor that is not valid and doesn't belong to me is : XXXX XXXX # XXXX and is listed as a " collection account '' on my Experian credit file. Now, there are 2 major discrepancies in regard to this creditor which by FCRA/Consumer Law needs to be removed immediately and they are as follows : 1 ) FCRA 15 U.S. Code 1681i ( Section 611 ) : If the " investigation '' reveals that the disputed information is inaccurate or incomplete, the CREDIT REPORTING AGENCY MUST DELETE or correct the information promptly.

2 ) Attached to this final letter before escalation to the Attorney General, you will notice on the credit report that this item was originally listed as an amount of {$5900.00}. I disputed and also Requested Proof of Verification method as well as a Copy of any supposed Contract between me and this listed creditor, which I still HAVE NOT received! on this credit report is shows a balance update of {$6000.00}. Which poses the question and concern of Fraud and Illegal business measures and practice from both XXXX XXXX as well as Experian. The question posed is, How can a collection company who by reviews buys debt change a debt price? Again there has been NO validation of this debt and this debt doesn't belong to me. 

Under 15 U.S. Code 168i ( Section 611 ) It also states that " Any information that is found to be inaccurate, incomplete or unverifiable must be deleted. 

XXXX ) under Terms it's listing 1 month but showing 2 under the payment history which don't match up. Also incomplete and obviously inaccurate 4 ) It also shows a balance of {$5900.00} under " account balance '' which doesn't match the 2 other supposed balances given on the same credit report, showing another inaccuracy and incomplete & fraudulent information. 

I sent in a certified letter on XX/XX/year> which I still have receipt of, disputing this incorrect and invalid creditor from my credit report clearly requesting receipt and Copy of Validation which was NEVER given from Experian nor from the Company, blatantly proving that they are both openly indulging in Unfair Business Practice and disregarding FCRA/Consumer LAW.

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