vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-25 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: AZ

Complaint narrative:
Good afternoon, In XXXX and XXXX we called XXXX directly and made payments over the phone for the balance due. At that time we were told all balances were paid in full by the representative. XXXX then reported to the credit agencies that we were late. We called and made all payments with them directly and were not told of any further due balances. We have tried to resolve the error in reporting with XXXX directly and then refuse to fix the issue. We called again and paid another month 's balance and were not told of an additional balance being due. They then applied our payment to a previous month. On our end we believed everything was paid or we would've made a second payment. We were not told. They sent no communications or via email or phone call letting us know we were behind. We greatly appreciate any help in resolve this issue and fixing our credit report. We were previously at a score of over XXXX and have since been reduced to a score of below XXXX because, of this misreporting. We need this fix as soon as possible to move forward with our business needs. Thank you. 

Best regards, XXXX XXXX XXXXXXXX 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 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NM

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.

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 2024-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
wells fargo denied my claim of XXXX dollars for a coming out of my account theres been multiple charges a day and theyre telling me i made em i have no XXXX receipts or nothing thats shows that i made those transactions. i keep getting completely different responses from the bank and even my claim has transaction i didnt even report i dont feel like this is being handled correctly and would like some help to resolve 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 explanation
Consumer complaint received 2024-10-25 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: GA

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. 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 explanation
Consumer complaint received 2024-10-25 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: TX

Complaint narrative:
Equifax has not updated my file to report accuracy as i have requested numerous times. 

Equifax shows an account from XXXX XXXX ( XXXX ) as being open. However, this account was paid OFF months ago and XXXX and XXXX have reported the updates, but not Equifax. I have a ZERO balance with XXXX XXXX and the account is closed. Equifax shows last payment date of XXXX of Last year. This has damaged my score and gives the impression i have not paid on this account in over a year. This is incorrect and i requested Equifax update this account to report PAID in full and closed or remove the account from my file. 

XXXX ( XXXX ) Equifax still has this account listed as open as of XXXX of XXXX. Equifax has refused to update this account to show ZERO balance and paid in full and CLOSED. This account has been paid off with XXXX as of XXXX of this year. XXXX sent the update to all three credit agency. Everyone updated my file, with the exception of Equifax. 

XXXX XXXX XXXX XXXXXXXX ) This account was the result of FRAUD. XXXX XXXX  requested the deletion of this account with ALL THREE credit agencies. EQUIFAX is the only agency that reinserted this account in violation of my FCRA rights. I have verified again with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ). She has requested Equifax remove this file completely from my report. Equifax is the only agency that continues to report these erroneous files and then when i dispute, I am told the file is accurate. This account should be removed immediately as it has tarnished my credit reputation with other lenders. This is NOT my account and never has been. It has been requested to remove several times by XXXX XXXX XXXX ( XXXX ). 

XXXX ( XXXX ) This account was also paid off and updated on my credit file with XXXX XXXX XXXXXXXX. However, Equifax continues to list it as a current balance. I have asked that this account be updated to reflect ZERO Balance and Paid in Full. 

I have furthermore disputed the following inquiries with Equifax and each of them were never verified and were the result of fraud attempts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: MD

Complaint narrative:
I am writing to formally notify you that I have been a victim of identity theft, and unauthorized accounts have been fraudulently opened in my name. Pursuant to 15 U.S.C. 1681c-2 ( a ) and Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that you immediately block and delete all accounts listed below from my credit file. 
The fraudulent accounts are as follows : XXXX. XXXX XXXX  Account # : XXXX Opened on : XX/XX/XXXX Balance : {$17000.00} XXXX. XXXX XXXX Account # : XXXX Opened on : XX/XX/XXXX Balance : {$29000.00} XXXX. XXXX XXXX Account # : XXXX Opened on : XX/XX/XXXX Balance : {$37000.00} XXXX. XXXX XXXX Account XXXX : XXXX Opened on : XX/XX/XXXX Balance : {$9500.00} XXXX. XXXX XXXX Account # : XXXX Opened on : XX/XX/XXXX Balance : {$32000.00} XXXX. XXXX XXXX XXXX XXXX Account # : XXXX Opened on : XX/XX/XXXX Balance : {$340.00}

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 2024-10-25 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: AL

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 XXXXtes 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 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 2024-10-25 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX Subject : Dispute of Incorrect Information on Credit Report Dear experian Customer Service personal, I am writing to formally dispute inaccurate information on my credit report. Upon reviewing my report, I noticed incorrect entries related to my name and address. Please find the details below : Incorrect Name ( s ) : all the names that are not the name that appears on my ID Correct Name : XXXX XXXX XXXX Incorrect names : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Please remove these innaccurate names from my credit file. 
Incorrect Address ( es ) : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Remove these inaccuracies from my credit report and credit profile. 

I am requesting that these inaccuracies be investigated and corrected. Enclosed are copies of my ID, proof of address, and any additional documentation that verifies my identity and address. 

Thank you for your prompt attention to this matter. Please update my credit report and provide written confirmation of these corrections. Feel free to contact me if you need further information or clarification. 

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 2024-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
I sent a money order for the mortgage payment that was due on XX/XX/XXXX and mailed it to them on XX/XX/XXXX along with the bill they sent me in the envelope they provided for me to send it back to them in. They received it and cashed it on XX/XX/XXXX. I provided them proof of the money order with the endorsess signature on the back showing it cleared on XX/XX/XXXX, ( attached ). Their agent XXXX XXXX verified this on a phone call with me on XX/XX/XXXX at XXXX XXXX. He said that they did receive it on XXXX XXXX and it was processed through on XXXX XXXX and that they had all they needed to address the situation for me. 
They are now Billing me and calling me and basically harassing me for another payment to replace that one because they are now telling me they can not continue to research the payment unless I can send them a copy of the money order with their deposit stamp on it, which I can not because it doesnt have their deposit stamp. It merely has someones name who endorsed it at one of their offices that it was mailed to in the envelope they provided for me to mail it to them.

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 2024-10-25 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: NY

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts on my credit report, as I have been a victim of identity theft. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be removed from my credit file : XXXX XXXX XXXXccount Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6100.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2024-10-25 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: IL

Complaint narrative:
I am filling this complaint to EQUIFAX with confirmation number XXXX for allowing unauthorized inquiries on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate and unauthorized inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: PA

Complaint narrative:
When I noticed the inaccuracies on my report this afternoon, I initially thought it might be a browser glitch. I refreshed the page, hoping the problem would disappear, but it remained. The incorrect accounts persisted even after reloading the page.

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 2024-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
XXXX XXXX, Account XXXX xxxxxxxxxxxx XXXX, has reported this account as a charge off on my consumer report. Per the IRS this is considered income and we know that income does not belong on a consumer report. 
XXXX XXXX XXXX XXXXXXXX, Account Number XXXX XXXX, has reported this account as a charge off on my consumer report. Per the IRS this is considered income and we know that income does not belong on a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint against Transunion Regarding Inaccuracies In My Personal Information As Reported In My Credit Report.

Details Of The Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX XXXX. I request that my name be updated to reflect the correct information.

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, but my credit report shows an outdated address as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX. I request that my current address be updated accordingly. 

3. Employer : My current employer is XXXX XXXX XXXX. I request that employer be updated to reflect the correct information..

Supporting Documentation : I Have Enclosed Copies Of Supporting Documents To Verify The Accurate Information Provided Above, Including : A Copy Of My Driver 's License Or Passport Displaying My Correct Name.

A Recent Utility Bill Or Bank Statement Showing My Current Address And Current Employer.

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 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: MOHELA
State: TX

Complaint narrative:
The FCRA requires that information reported to the credit bureaus must be accurate and up to date. FED LOAN is missing my positive payment history from XXXX and needs to be updated immediately so that it is reflecting accurately. 

Acct XXXX is missing my positive payment history from XXXX and needs to be added immediately This account should be reporting identical across all XXXX bureaus so that it is accurate and fair to follow the laws of the FCRA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: PA

Complaint narrative:
MOHELA Loan Service has stopped accepting all student loan payments. Last payments were in XXXX XXXX of 2024. Since then I have made payments every month that continue to be reversed. I have called hundreds of times waiting on hold for hours at a time and no one answers. I was able to speak with someone one time and all they stated was that my loan has not been paid. They did not speak to the payment history and payments being reversed and they hung up. My loan is now in collection and affecting my credit score. There is no way to make a payment. Here is the link to the company serving my loanhttps : //authenticate2.mohela.studentaid.gov/XXXX XXXX 

the Biden administration promised student loan forgives and then makes us pay. They then switch the loan provider and this is what happens. There are hundreds of people around the US going through this as.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX Phone : XXXX Email : XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX 

Equifax Disclosure Department, XXXX XXXX XXXX, XXXX, GA XXXX. 

Request for Removal of Fraudulent Accounts Due to Identity Theft PLEASE REMOVE ACCOUNTS FROM CREDIT REPORT IMMEDIATELY XXXX XXXX Account Number : XXXX Date of late payment : XX/XX/XXXX Account opened : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX Last 4 digit card numberXXXX Account opened:XX/XX/XXXX, XX/XX/XXXX Account Closed:XX/XX/XXXX, XX/XX/XXXX Dear, XXXX I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] and occurred on [ XX/XX/XXXX ] and XXXX XXXX XXXX Account Number : XXXX. 
I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 
Government -issued ID to verify my identity An Identity theft report filed with the Federal Trade Commission Proof of Residency Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. According to 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ). 15 U.S. Code 168Xe ) 15 U.S. Code 1681 ( 1 ) 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 
Please remove immediately Thank you for your time and prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation