vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: CA

Complaint narrative:
My original complaint with the CFPB is # XXXX because AES was not responding within a reasonable amount of time to my request to have my loans forgiven due to school misconduct. A few days ago I received a notice in my online inbox that the loan owner ( XXXX XXXX  ) is " ... not taking action on my request... '' with no additional information. They didn't provide me with a way to follow up on this matter directly with them, but I did submit a request earlier today for information on why my request did not result in action and if there is anything I can do to get them to reconsider, but given their track record of following up I doubt I'll hear back any time soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
There are errors on my credit report due to unauthorized hard inquiries, which fall under 15 USC 16c-2. Please remove them at your earliest convenience.

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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. Your immediate attention to this matter Is appreciated XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX DOB- XX/XX/XXXX Email - XXXX SSN- XXXX Phone number XXXX Inquiries that need to be removed are listed below XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. Your immediate attention to this matter Is appreciated XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX DOB- XX/XX/XXXX Email - XXXX SSN- XXXX Phone number XXXX Inquiries that need to be removed are listed below XXXXXXXX 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 2024-10-14 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: VA

Complaint narrative:
i have an inaccurate account reporting on my credit report. i have no knowledge of this debt thats reporting. the account that is reporting is not the original creditor. the account that is reporting is XXXX XXXX, and the collectors thats reporting are XXXX XXXX XXXX. they are not the original creditors of this debt. that is a violation.i have asked for the original contract they have yet to verify account or my signature stating that this debt belongs to me> i would like this account removed from my report. thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FC HoldCo LLC
State: PA

Complaint narrative:
Re : Dispute of Account XXXX Dear CFPB, I am writing to formally dispute the accuracy of the information listed on my credit report regarding the following account : Account Number : XXXX Creditor : FLAGSHIP CREDIT ACCEPTAN Status : CHARGE OFF / LATE PAYMENTS I believe that the information listed on this account is inaccurate, incomplete, or in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681n. 

The account listed above is listed Clearly and concisely inaccurate as the mentioned account is showing up with a combination of late payments and a charge off with the credit reporting agencies. 

I request that you investigate this dispute promptly and remove any inaccurate information from my credit report. Please provide me with a written response to this dispute within 30 days of receipt of this notice. 

Thank you for your immediate attention to 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 2024-10-14 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: FL

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/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. 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!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Conn's, Inc.
State: TX

Complaint narrative:
I had taken my XXXX to conn 's to purchase a refrigerator. They ran her credit and approved XXXX. While she was looking at merchandise the same sales rep also ran my credit for a kitchen table I was looking at. I decided to not purchase the table and my XXXX XXXX selected the fridge she wanted. The sales rep proceeded to process the credit but failed to switch the info back to her name and social. They left her birthdate on the account. Upon realizing this error we returned to the store and spoke with a member of their management team who pulled over the sales rep who verified he made an error in the paperwork. They instructed us to reach out to their credit department to get it corrected. When we called their credit office they stated we would need to make a payment and return to the store to correct the mistake. We returned to the store and called the credit office with the manager and again they said it was being corrected and would reflect on the next month 's invoice. Next invoice cycle came around and we were still unable to log into the online account so we returned to the store where they again called the credit office to submit a correction and took the next payment. This process repeated 3 more times and my XXXX XXXXr lost her job and was now unable to make the payments. We again reached out to correct the account but they still have not done so. They are now calling me 3 or more times daily to collect and I have informed them of the dispute but they say it is still my responsibility tobmake the payments because they now claim to have payment made using my card on file but I have never made a payment to this account. Every payment made was by my XXXX XXXX in person while trying to get my name off of her account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date : [ XX/XX/XXXX ] TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Fraudulent Accounts per UCC Article 9 and FTC Identity Theft Report Dear TransUnion, I am writing to formally dispute the following accounts on my credit report, which I believe to be fraudulent and not authorized by me. In accordance with the Uniform Commercial Code ( UCC ) Article 9, I am invoking my right to dispute these inaccuracies under the Fair Credit Reporting Act ( FCRA ) and further supporting this claim with my FTC Identity Theft Report, which I have enclosed. 

The accounts in question are : 1. XXXX XXXX XXXX XXXX Account # ending in XXXX Balance : {$1800.00} Date Opened : XX/XX/XXXX 2XXXX XXXX XXXX Account # ending in XXXX Balance : {$1700.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Account # ending in XXXX Balance : {$520.00} Date Opened : XX/XX/XXXX 4. XXXXXXXX XXXX XXXX Account # ending in XXXX XXXX : {$1000.00} Date Opened : XX/XX/XXXX XXXX. XXXXXXXX XXXX Account # ending in XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Per UCC Article 9, section 9-625, a secured party must correct erroneous information on a debtors record. I demand immediate removal of these fraudulent accounts from my credit report as they violate my rights under UCC 9-625 and FCRA section 609.

I have already filed a report with the FTC ( Report ID : [ XXXX ) and local law enforcement regarding the identity theft associated with these accounts. Please note that the presence of these fraudulent accounts is severely impacting my credit score and financial standing. I request these be investigated promptly and the results sent to me within the required 4 business days window.

Please update my credit report to reflect the correct information and confirm the removal of these fraudulent accounts in writing. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : 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 explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date : [ XX/XX/XXXX ] TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Fraudulent Accounts per UCC Article 9 and FTC Identity Theft Report Dear TransUnion, I am writing to formally dispute the following accounts on my credit report, which I believe to be fraudulent and not authorized by me. In accordance with the Uniform Commercial Code ( UCC ) Article 9, I am invoking my right to dispute these inaccuracies under the Fair Credit Reporting Act ( FCRA ) and further supporting this claim with my FTC Identity Theft Report, which I have enclosed. 

The accounts in question are : 1. XXXX XXXX XXXX XXXX Account # ending in XXXX Balance : {$1800.00} Date Opened : XX/XX/XXXX 2. XXXX XXXX Account # ending in XXXX Balance : {$1700.00} Date Opened : XX/XX/XXXX 3. XXXX XXXXXXXX XXXX  Account # ending in XXXX Balance : {$520.00} Date Opened : XX/XX/XXXX 4. XXXX XXXX Bank Account # ending in XXXX XXXX : {$1000.00} Date Opened : XX/XX/XXXX 5. XXXX Start Account # ending in XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Per UCC Article 9, section 9-625, a secured party must correct erroneous information on a debtors record. I demand immediate removal of these fraudulent accounts from my credit report as they violate my rights under UCC 9-625 and FCRA section 609.

I have already filed a report with the FTC ( Report ID : [ XXXX ) and local law enforcement regarding the identity theft associated with these accounts. Please note that the presence of these fraudulent accounts is severely impacting my credit score and financial standing. I request these be investigated promptly and the results sent to me within the required 4 business days window. 

Please update my credit report to reflect the correct information and confirm the removal of these fraudulent accounts in writing. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : 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 explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: AL

Complaint narrative:
I called a week ago to ask for a copy of the title in order to get my plates in the state I moved to. Every since then they have called me multiple times stating that my account is not current. Which in fact it is. It has gotten so bad that my employer has said something. Instead of letting me talk to the branch manager they gave me the number to speak with a call center. They did not want to help me with the resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: WA

Complaint narrative:
In XXXXXXXX XXXX XXXX XXXX, I formally requested the closure of my father 's account following his passing. During the process, the company mistakenly closed my account instead of his, even though we share only the same first and last name. Our birthdays and middle names are completely different, which should have been sufficient to prevent the mix-up. In fact, the company even verified my middle name when looking up my account. I was able to resolve the issue at that time and have since made regular, on-time payments on my card. 

However, I recently discovered that my account was closed again without any notification, and I was sent to collections despite my continued payments. I was never informed about the account closure or the collections action, and I continued making payments as normal. When I contacted the company to address the issue, I was told I would need to provide a notarized letter from my bank confirming that I am alive, which seems unnecessary given the companys initial error. I am seeking an immediate resolution to this issue.

Company response to consumer: Closed with explanation