vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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: GA

Complaint narrative:
I am filing this complaint against XXXX and Experian for inaccurate and misleading reporting on my credit report regarding the following accounts : XXXX XXXX XXXX XXXX ( Account # : XXXX ) The account is inaccurately reporting multiple monthly charge-offs, which is misleading and creates the appearance of ongoing delinquency. A charge-off is a one-time accounting event and should not be reported repeatedly in subsequent months. This violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ), which requires credit reporting agencies to maintain maximum possible accuracy in reporting. 

XXXX XXXX ( Account # : XXXX ) Similar to the auto loan, this account also reflects multiple instances of charge-offs over several months, which is factually incorrect. This practice creates a false impression of my creditworthiness and further violates the FCRA 607 ( b ). 
Details of the Issue : Both XXXX and Experian have allowed these accounts to reflect repeated charge-offs monthly, creating the false impression of ongoing delinquency rather than a one-time event. 
This repeated reporting is misleading and damages my credit profile. 
Despite disputes submitted directly to both bureaus, these inaccuracies remain uncorrected, and no valid documentation has been provided to verify the accuracy of this reporting. 
Relevant Case Law : In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, it was established that repeated reporting of charge-offs is misleading and violates the FCRA, as it misrepresents the account status and damages consumer creditworthiness. 

Resolution Requested : I request that both XXXX and Experian provide the method of verification used to confirm the repeated charge-off reporting, as required by FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 
If neither bureau can provide accurate verification, I demand the immediate deletion of these accounts from my credit report under FCRA 611 ( a ) ( 5 ) ( A ). 
Desired Outcome : I am seeking resolution of this issue by either : Proper verification of the accuracy of the reporting ; or Immediate deletion of the accounts if no accurate verification can be provided. 
I request the CFPB to ensure that both XXXX and Experian comply with the FCRA and correct these violations promptly. 

XXXX reported that the account was deleted to CFPB but if is still reporting to my credit.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am writing regarding a discrepancy with my credit report and a closed line of credit previously held through PayPal with Synchrony Bank. Although the account has been closed for over a year, I have always made my fixed monthly payments. During this account 's active period, I did experience XXXX late payments which were recorded in XXXX and XX/XX/2019. At the time of occurrence, I formally disputed these late payment entries, and they were removed from my credit report. Recently, however, I have found that these late payments have re-appeared on my credit report, reflected this time as 30 and 60-day past due. This is a disturbing reappearance, and I request that this discrepancy be investigated and rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
This step is considered a charge off however this is actually considered income because I should have received a 1099C in order to account for this as income. This is not a charge off. I am requesting that this is removed because it is not a depth. This is considered income and income should not be reported on a credit report upon looking on my credit report. I see that this vehicle was charged off in XXXX and I have never received a 1099C from this company. This lease was paid in full. The charges that are trying to attach to my report is after the fact charges, this vehicle was sold at the auction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: SC

Complaint narrative:
KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT BANKRUPTCY RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF MY CREDIT REPORT.

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 2025-01-08 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-08 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-08 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: NC

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: SD

Complaint narrative:
Someone was making payments to my Best Buy Credit card from my checking account for XXXX dollars and I didn't authorize this. They tried XXXX times, so I put stop payments on the transaction. Since XXXX payments came back in a short amount of time they closed my account and reported it negatively to the credit reporting agencies. I told them it was fraud but they told me there wasn't anything they could do since they closed the account. All I want is for this to not reflect negative on my credit report. I have never been late on any payments and I take pride in paying my bills on time.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to formally dispute and address the ongoing issue of an erroneous debt appearing on my consumer report, which I believe is a result of identity theft. Despite my efforts to resolve this matter, the debt remains on my report, and this has caused significant stress and harm to my livelihood and reputation. 

I have followed the proper procedures to dispute this debt and provided the credit reporting agencies ( CRAs ) with comprehensive documentation, including : An FTC Identity Theft Report. 
A signed 605B letter explaining my situation.

A copy of my government-issued ID.

A recent utility bill to verify my address. 
A copy of my Social Security card. 
I sent these documents via certified mail in XXXX separate submissions to ensure their receipt. Despite this, the CRAs have not removed the erroneous debt from my report. Furthermore, they previously responded to my dispute by stating that the debt was " verified, '' yet I do not understand how they could have verified an account that is not mine. I was never a co-applicant on this account and have not authorized anyone to use my personal information in this capacity. 

As a result of this unresolved error, I have faced : Denial of housing opportunities, including being rejected for an apartment application. 
Significant XXXX  and XXXX  to my quality of life. 
Damage to my reputation due to the presence of this inaccurate information. 
This situation has become untenable, and I am requesting immediate action to remove this erroneous debt from my consumer report. I have provided all required documentation to prove that this debt is not mine and that I am a victim of identity theft. I urge the credit reporting agencies to comply with the Fair Credit Reporting Act ( FCRA ) and take the necessary steps to correct this error 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 2025-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: DC

Complaint narrative:
On XX/XX/year>, I was notified that my loans ( which were on the XXXX plan ) were placed into an administrative forbearance, pending litigation of the XXXX plan. The letter I received from Aidvantage on this date stated that interest would not accrue during this forbearance. My most recent statement is from XX/XX/year>, which shows that interest had not accrued in the period of the forbearance. I have not received a statement from Aidvantage since XX/XX/year>, but I have noticed that interest is accruing again- though this directly violates the terms of the XXXX plan. My loans on Aidvantage are all listed as being on the XXXX plan, yet I am accruing nearly {$50.00} a day in interest. This is not true for my colleagues who are on the same plan on Aidvantage. When I called Aidvantage, they said this decision was up to the " XXXX Department '', and they were under no obligation to waive or stop interest from accruing. However, the XXXX Department of Education has not made any announcement to end the XXXX plan forbearance. This interest is accruing impermissibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: SC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Ive had a lot of unknown calls and email I didnt sign up for since they ran my credit report

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 2025-01-08 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: MA

Complaint narrative:
I am a victim of identity theft. I have never given any permission for any consumer reporting agency to furnish my credit report. In light of the data breach at XXXX and other institutions my privacy has been compromised. 15 US 1681 ( a ) ( 2 ) states that a consumer reporting agency may furnish a consumer credit report with the written instructions from the consumer to whom the report relates. Permissible purpose is written consent. I have never given written consent therefore this is also identity theft also.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX not aware of such inquiries, therefore this one appears to be illegal and a fraud. As soon as possible, please fix this problem. Thank you

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 2025-01-08 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: MO

Complaint narrative:
I am writing to formally dispute an alleged late payment reported on my account. This late payment was reported by XXXX XXXX XXXX XXXX - Account # XXXX to XXXX and Equifax, and I believe that this entry is inaccurate. The payment in question is identified as " late '', but i do not believe that the creditor has followed the legal requirements to report it as such under the Fair Credit Repoting Act ( FCRA ) and related laws. Legal Basis for Dispute : Under 15 U.S Code 1681a ( 2 ), the term " consumer report '' does not include reports that solely contain information regarding transactions or experiences between a consumer and the person making the report. As such, any transaction or experience between myself and XXXX XXXX XXXX XXXX regarding this account should not be included in my consumer credit. 15 U.S. Codes 1681a ( 2 ) ( A ) ( i ), 1666b, and 1637 ( b ), the information reported to the credit bureau is invalid, and there is no basis for it to remain on my credit report. Request for XXXX : If XXXX XXXX XXXX XXXX can not provide the necessary proof of mailing or deliverry of the required information. I request that this late payments be deleted from my credit report. Faliure to do so will be considered a violation of 15 U.S Code 1681s-2, which prohibits the reporting of inaccurate or unverifiable information. I respectfully request that you take appropriate action to remove this inaccurate late payment entry from my credit report within XXXX calendar days of recieving this notice. Late Payments in XXXX XXXX XXXX XX/XX/year> Thank you for your promptattention to this matter. I look forward to your response and information that they disputed late payment entry has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: PENTAGON FEDERAL CREDIT UNION
State: MO

Complaint narrative:
I am writing to formally dispute an alleged late payment reported on my account. This late payment was reported by Pentagon Federal Credit Union - Account # XXXX to XXXX and XXXX, and I believe that this entry is inaccurate. The payment in question is identified as " late '', but i do not believe that the creditor has followed the legal requirements to report it as such under the XXXX XXXX XXXX XXXX ( FCRA ) and related laws. Legal Basis for Dispute : Under 15 U.S Code 1681a ( 2 ), the term " consumer report '' does not include reports that solely contain information regarding transactions or experiences between a consumer and the person making the report. As such, any transaction or experience between myself and Pentagon Federal Credit Union regarding this account should not be included in my consumer credit. 15 U.S. Codes 1681a ( 2 ) ( A ) ( i ), 1666b, and 1637 ( b ), the information reported to the credit bureau is invalid, and there is no basis for it to remain on my credit report. Request for XXXX : If Pentagon Federal Credit Union can not provide the necessary proof of mailing or deliverry of the required information. I request that this late payments be deleted from my credit report. Faliure to do so will be considered a violation of 15 U.S Code 1681s-2, which prohibits the reporting of inaccurate or unverifiable information. I respectfully request that you take appropriate action to remove this inaccurate late payment entry from my credit report within XXXX calendar days of recieving this notice. Late Payments in XXXX XXXX XXXX XX/XX/year> Thank you for your promptattention to this matter. I look forward to your response and information that they disputed late payment entry has been removed.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am notifying you that I sent a certified letter on XX/XX/year>, addressing inaccurate and unverifiable information on my credit report. Despite my request, you have failed to provide verification or documentation for the following accounts : XXXX XXXX XXXX Ser ( Account Number : XXXX ), involving repossession without court approval in violation of XXXX XXXX XXXX XXXX ; COMPLCREDI ( Account Number : XXXX ), which is unverified and past the statute of limitations in Texas ; and XXXX XXXX XXXX TX ( Account Number : XXXX ), for which no proof of debt has been provided. Your failure to comply with the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i ( 5 ) and 1681i ( 7 ), by not deleting unverifiable information or providing a valid method of verification, requires immediate correction. These creditors have failed to verify this information you are reporting. I demand that these accounts be removed promptly to avoid further legal action under FCRA Sections 616 and 617.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: KS

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT 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