vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-14 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.

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 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2024-08-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I respectfully request the elimination of this erroneous account from my credit report as I did not authorize its creation and it is not mine. Attached are the supporting documents confirming my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: TN

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Regarding Failure to Reinvestigate Disputed Late Payment Account with XXXX XXXX XXXX, XXXX. 
Dear Sir/Madam, I am writing to formally lodge a complaint against Experian and XXXX for failing to properly reinvestigate a late payment inaccurately reported on my credit report by XXXXXXXX XXXX XXXX XXXX XXXX. 
The account in question is under my name, XXXX XXXX XXXX XXXX, with the account number XXXX. My date of birth is XX/XX/XXXX, and the last four digits of my Social Security Number are XXXX. 
The dates in question related to the disputed late payments are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Previously, I contacted XXXX XXXX XXXX, XXXX. directly, requesting the correction of this erroneous information. However, despite my request, both Experian and XXXX have not conducted a thorough reinvestigation nor corrected the error, which is a violation of my rights under 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). 
The failure of Experian and XXXX to correct this incorrect information has negatively impacted my credit history and is a direct violation of my rights under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ). Despite following the necessary procedures with both XXXX XXXX and these credit bureaus, the inaccurate information remains on my report. 
I request that you review this case and take the necessary actions to ensure that Experian and XXXX, along with XXXX XXXX, comply with their legal obligations. It is essential that this incorrect information is removed from my credit report to correct the damage caused to my credit score. 
Thank you in advance for your attention to this matter, and I look forward to a prompt resolution. I am willing to provide any additional information needed to support my case. 
Please confirm receipt of this complaint and provide an update on the status of my case as soon as possible. 
Sincerely, 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 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-08-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Kindly remove this inquiry from my credit report as I did not initiate it and have no relationship with the associated creditors. I request its immediate removal to ensure the accuracy of my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: IA

Complaint narrative:
I received a bill dated XX/XX/XXXX from CCS for the amount of {$170.00} for a service provided on XX/XX/XXXX. I have found out it for an ambulance service apparently from XXXX XXXXXXXX XXXX. I had never received a bill on this from XXXX. I called XXXX and they sent it back to XXXX XXXXXXXX which they claimed denied it. I called XXXX XXXXXXXX and they said that XXXX had paid the maximum amount that could be paid and I needed to call XXXX. XXXX said they had paid on it and the maximum allowance was paid. That with the XXXX I am I am not responsible for any the bill. That it is a federal law. I called XXXX XXXX XXXX back and lady I talked to said she is still responsible for bill that the person I talked to at XXXX didn't know what he was talking about. I told it was a law and she told me will check into it and call me back. I feel they are giving me the run around on it. I have never paid anything on any hospital, doctor, or ambulance bills before. XXXX XXXX from XXXX is who told me to file this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: NY

Complaint narrative:
I am currently on the XXXX plan and have been paying my necessary monthly amount, yet have run into two challenges that are not being addressed by my loan servicer. 

Challenge 1- According to the XXXX plan as long as the minimum monthly payment is made, the government subsidizes XXXX XXXX of remaining interest and thus the loan amount should not be increasing due to interest. I, however, have been noticing that interest has been accruing monthly since i signed up for the XXXX plan, despite my on time payments. 

Challenge 2-According to my student loan servicer, as changes are currently being made to the XXXX plan, I have been placed on a temporary forbearance period, during which there are no payments due, and according to the XXXX plan, no interest should be accruing during this time.I, however, am noticing that interest is still accruing despite being placed on a forbearance. 

In both points mentioned above interest is accruing when it shouldnt be and no communication is being given on how to fix the situation. I contacted my student loan servicer and mentioned the above two challenges that Im facing. I stated that 1. there should be no interest accrued/loan amount should not be increasing if monthly payments are made 2. during the current forbearance there should be no interest accrued. 

The agent I spoke to ( XXXX ) sounded confused as to why my interest is still accruing and after being placed on hold numerous times I was told that the program my servicer uses still accrues interest on my loans and that the government will adjust my interest accrual on a quarterly basis, which has still not happened. The agent I spoke to told me that I would get a call back later in the week with an update, however almost two months have gone by at this point, interest is still accruing and I have gotten no update from my loan servicer. This is completely unacceptable as my loan servicer should be held responsible in making sure the loan amount and interest accrued is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I am writing to file a complaint against GS Bank/Apple Card regarding a recent issue with my credit card account. I have been diagnosed with a XXXX XXXX and have been suffering immensely over the past few months. Despite my best efforts, this illness has significantly impacted my life and emotional state. Recently, I made a payment on the GS Bank/Apple Card website, but I was reported late to the credit bureaus. This is the first time I have had a late payment, and I am committed to maintaining on-time payments with my account moving forward to avoid any issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: EdFinancial Services
State: CA

Complaint narrative:
My complaint is about Edfinancial services who hold my subsidized student loan, tax id number : XXXX. I wanted to set up auto payment or set up a regular scheduled payment for once a month, but the loan servicer said that I am ineligible for auto payment or making scheduled payments past 2 months because I am in loan forbearance. I understand that I technically do not have to make a payment during loan forbearance, but why can auto payments and scheduling payments past a 2 month mark only be allowed on loans that are actively accruing interest. This seems like a very shady practice to disallow previous students who signed up for the loans from being able to pay the loans off before interests starts to build. I want to set up an auto payment a a specific dollar amount for each month or at least schedule payments for the next year rather than having to manually make a payment every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Office of Brett M. Borland, P.C.
State: MI

Complaint narrative:
Paid the property manager in person and the property manager failed to notify collection agency of payment which is causing damages to my credit score and holding me from being able to get accepted into another rental property. Also Im now XXXX and the property manager is aware of that and still neglected to give credit bureaus the updated information and still had the collection agency contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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:
Consumer Financial Protection Bureau Subject : Formal Complaint Regarding Failure to Reinvestigate and Remove Late Payment under 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( 4/0 ) Account XXXX Dear Sir/Madam, I am writing to formally file a complaint against [ Credit Bureau Name : XXXX/Experian/XXXX  ] for failing XXXX properly reinvestigate and remove a late payment that has been inaccurately reported on my credit report, in violation of federal law. 
Details of the Issue : Account Name : ** XXXX Account Number : ** XXXX Date of Incorrect Late Payment Reported : ( XXXX XXXX XXXX EXPERIAN Date of Incorrect Late Payment Reported : ( XXXXXXXX XXXX ) XXXX Credit Bureaus Involved XXXX ** XXXX, Experian Under the Fair Credit Billing Act ( XXXX5 USC 1666 ( b ) ) and the Fair Credit Reporting Act ( 15 USC 1681 ( a ) ( 2 ) ( 4/0 ) ), I am entitled to have any erroneous information removed from my credit report following a proper reinvestigation. I disputed the reported late payment with XXXX and Experian on XX/XX/year>, providing all necessary supporting documentation to prove that the payment was not late. Despite this, the late payment remains on my credit report, negatively impacting my credit score. 
Steps Taken : 1. I submitted a formal dispute to XXXX and Experian on XX/XX/year>, requesting a reinvestigation into the erroneous late payment reporting. 
2. I provided evidence, including bank statements and payment confirmations, showing that the payment was made on time. 
XXXX. I received a response from XXXX and Experian in XXXX XXXX, indicating that the late payment would not be removed without a satisfactory explanation or evidence for their decision. 
XXXX. Adjunto una carta que demuestra que el acreedor no me respondi dentro del plazo de XXXX das, en la cual solicito formalmente que se me proporcione una prueba detallada sobre este artculo especfico. '' [ segn 15 USC 1666 ( b ) ] que ha adoptado para garantizar que cada estado de cuenta peridico se me enva por correo a m ( el consumidor ) a ms tardar XXXX das antes de la fecha de vencimiento del pago. Incluya tambin toda la informacin requerida por la seccin 1637 ( b ) del Ttulo 15.

5.Additionally, I want to inform you that no information about this account appears on XXXX, which constitutes a violation of my rights, since the account must be reported uniformly in the three credit bureaus.

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 2024-08-14 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: Loqbox US Inc
State: NY

Complaint narrative:
Loqbox have ask me to make an report to your guys company I just want it deleted the account was opened fraudulently I just want it gone and would like to press charges

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 2024-08-14 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: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
I am REWRITING to XXXX XXXX XXXX to dispute inaccurate information on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, AL XXXX. My date of birth is XX/XX/year>. The FTC report number related to this complaint is XXXX. I have identified entries on my credit report that appear to be either duplicated or incorrect, and for which I did not provide authorization. As a consumer, I am entitled to have inaccurate or unverifiable information removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Please review my report and remove any entries that do not comply with the FCRA, specifically under FACTA Title 1, Section 151, which mandates accurate and verifiable reporting. I request that you address this matter promptly and provide confirmation of the resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: NC

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

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 2024-08-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Dear representatives of the Consumer Financial Protection Bureau, I need your help in removing fraudulent account from my credit reports. This account was previously deleted in response to my requests but has reappeared again. 

According to the Fair Credit Reporting Act ( FCRA ), once an account has been removed from my credit report, it should never reappear without my consent. 

I kindly request that you take immediate action to remove this account from my credit report in accordance with the FCRA : Account : XXXX  XXXX - BANK OF AMERICA - XXXX - XX/XX/year> - {$29.00} XXXX hope for a prompt and effective resolution to this 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 2024-08-14 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: NY

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief