vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am disputing the following inaccurate accounts on my credit report, which have been wrongfully verified by the credit bureau without providing proof of verification : XXXX XXXXXXXX ( Account Number : XXXX ) XXXX XXXX ( Account Number : XXXX ) XXXX ( Account Number : XXXX ) XXXX XXXX ( Account Number : XXXX ) These accounts were either paid off, settled, or inaccurately reported. Despite multiple disputes, the credit bureau and creditors continue to report incorrect and misleading information. I am requesting that these accounts be deleted immediately, as per the Fair Credit Reporting Act ( FCRA ), which requires that credit reporting agencies must provide accurate and verified information. 

Additionally, the credit bureaus have failed to provide proper documentation supporting their claim of verification, and this is a clear violation of my consumer rights under the FCRA. '' I have completed payments or settlements for both of the XXXX XXXXXXXX accounts, XXXX, and for XXXX, I have a 1099-C debt cancellation.

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 2024-10-03 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: Nelnet, Inc.
State: PA

Complaint narrative:
In XXXX of XXXX  my federal student loans for the XXXX XXXX XXXX XXXX were discharged. My loans were dispersed between two servicers. One servicer discharged the loans properly almost immediately and reported it properly on my credit report. However Sloan / Nelnet did not. Eventually I filed a complaint with both the department of education and Sloan to see what was stalling the discharge. They acknowledged that loans should have been discharged, but while my balance on Sloan 's website now does show XXXX, they are still not being properly reported as discharged. I filed a dispute through XXXX  to rectify the situation and the dispute ended in them actually raising the total balance owed through the loans. I'm filing this complaint because I need these loans to be properly removed from my credit report as they are supposed to be. These are the main thing keeping me and my family from obtaining a mortgage. I've attached both a copy of the discharge letter and screen shot of sloan showing the XXXX balance owed. I can provide any other information as need be

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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:
CFPB Complaint Template Requesting Deletion Your Information : Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Complaint Details : I. Type of Complaint : XXXX XXXX XXXX XXXX. Company Name : [ Credit Bureau Name ] ( e.g., TransUnion, XXXX ) XXXX. Account Information : Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX. Summary of the Complaint : I am writing to address significant inaccuracies in my credit report for the account above. These errors have severely impacted my ability to obtain credit, loans, and favorable interest rates, violating my rights under the Fair Credit Reporting Act ( FCRA ). Notably, XXXX has already removed this account from its credit report due to these inaccuracies and discrepancies. 

Discrepancies : XXXX. Account Status : TransUnion : Closed XXXX : Paid XXXX. Date Opened : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX : TransUnion : XXXX XXXX : XXXX XXXX XXXX XXXX. Date Last Active : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX These discrepancies hinder my access to fair credit opportunities. 

Legal Violations : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i : Requires consumer reporting agencies to conduct a reasonable investigation of disputed information. The inaccuracies in my report demand urgent correction.

2. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681g : Ensures consumers have the right to an accurate credit report. The current discrepancies violate this right and hinder my ability to obtain credit.

3. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e : Prohibits false or misleading representations in connection with the collection of a debt. Reporting inaccurate information can be considered a violation.

4. Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5481 : Aims to promote fair, transparent, and competitive markets for consumer financial products and services. Inaccurate reporting undermines this objective.

5. Truth in Lending Act ( TILA ) 15 U.S.C. 1601 : Requires clear disclosure of credit terms to ensure consumers can make informed decisions. Inaccurate credit reporting affects these disclosures. 

Desired Resolution : I request the removal of this account from my credit report. Attached are a screenshot of my credit report and proof of XXXX removing this account for your reference. 

Attachments : Screenshot of my credit report Screenshot proof of XXXX removing this account Thank you for your prompt 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 non-monetary relief
Consumer complaint received 2024-10-03 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: NJ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Equifax XXXX OF XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Amount {$540.00} Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: PA

Complaint narrative:
This company has been allowed to post dept on my credit profile XXXX XXXX and Ive file complaints about with the credit report agencies but nothing is being done to rectify the situation and it this continues to negatively impact my credit score. Ive never been involved or done business with this company!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX 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 of 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 non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am submitting this complaint because Citibank has locked my account and is preventing me from accessing it despite my repeated efforts to follow their verification process. After contacting Citibank via phone, I completed all the steps they advised for verifying my account. However, I was informed that I would need to wait for a letter containing a verification code to unlock my account. It has now been several weeks, and I have yet to receive this letter, even though I have received other unrelated mail from Citibank during this time. 

I have contacted Citibank multiple times to resolve this issue, but they have informed me that I am not allowed to verify my address, and I am also not permitted to go to a branch for in-person verification, even though I have all the necessary legal documents. As of now, Citibank is telling me that there is no way for me to regain access to my account. I am requesting assistance from the CFPB in resolving this matter, as I am being denied access to my funds without any feasible means of verification or resolution from Citibank.

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 2024-10-04 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: PA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 in months that are reported late 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 in months that are reported late 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX 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 2024-10-03 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: NJ

Complaint narrative:
I discovered inaccurate data on my credit report that pertains to 15 USC 16c-2. This information is impacting my credit, and I did not authorize the inquiries in question.

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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX and this is not a third party filing this complaint. I have ask for proof of these late payments that the credit reporting companies are reporting. And they did not provide proof. Its been over XXXX XXXX, I also ask for validation of those XXXX charged off accounts. Same thing no proof. At this time I demand all accounts be removed immediately

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 2024-10-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I filed a complaint regarding how an account was being reported. While my complaint was to remedy future reporting the company made it owns narrative of my complaint and provided a reason as to they would not change what they have reported up until now. I did not ask them to change what they have reported in the past ; but, they spontaneously changed the narrative for their own purposes and answered their own version of the complaint. 

My complaint once again is THAT they have and intend to continue to report a closed/charged-off account as an active live account. The balance owed is intermingled with actual live accounts and skews the reported debt to available credit ratio. This is a malicious act on the part of the account holder as they are fully aware after 6 years ( because of its age ) the true effect of this account is negligible on the XXXX. If the account is reported as a live account, the enormous difference in weight on the XXXX  score ( 30 % ) is a malicious/bad faith effort by the account holder to pressure account holder into paying off the account. It is a misrepresentation of the truth for malicious reasons. I am serving them notice of this egregious action and demanding they cease and desist from future misreporting of this account, or be exposed to considerable punitive damages.

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 2024-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
On XX/XX/year> their system was updating til XXXX but I dont know til I called. My account would not login me in was saying in correct password and I have biometric login saved. I couldnt make transactions neither so I start calling. Tried resetting my password also scanning my card and entering last digit of social system said no match. Called they will not use my social or any other information I have because I dont know my account number by hard I even ask to verify my transactions. I have money in my account n they dont have any location in the area where I live. The workers have attitudes hang up the phone in my face and will not let me use any way to get in my account without an account number my funds are locked up and I have no access.

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 2024-10-03 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: EQUIFAX, INC.
State: NV

Complaint narrative:
RE : Unauthorized Credit Inquiry XXXX XXXX VIA DEALER Inquiry : XXXX. XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX  XXXX VIA DEALER Inquiry : XXXX. XXXX, XXXX  Finance/Personal ( XXXX ) XXXX XXXX XXXX VIA DEALER Inquiry : XXXX. XXXX, XXXX  Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX  Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX  Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX  Automotive ( XXXX ) XXXX XXXX XXXX I have recently obtained a copy of my credit report XXXX, XXXX, Equifax. It shows credit inquiry by your these company 's that I do not recall authorizing. It is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit. 
I have sent this letter through certified mail in as much as I need your prompt response to this issue. Please be so kind as to forward me documentation that you have already had the unauthorized inquiry removed. 
However, should you find that I am remiss and that you did not have my authorization to inquire into my credit report then please send me proof of this fact. 
Thank you very much. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: NV

Complaint narrative:
RE : Unauthorized Credit Inquiry XXXX XXXX VIA DEALER Inquiry : XXXX. XXXX, XXXX  Finance/Personal ( XXXX ) XXXX XXXX  XXXX VIA DEALER Inquiry : XXXX. XXXX, XXXX  Finance/Personal ( XXXX ) XXXX XXXX  XXXX VIA DEALER Inquiry : XXXX. XXXX, XXXX  Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX  Finance/Personal ( XXXX ) XXXX XXXX XXXX : XXXX. XXXXXXXX XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXXXXXX XXXX  Automotive ( XXXX ) XXXX XXXX XXXX I have recently obtained a copy of my credit report Experian, XXXX, XXXX. It shows credit inquiry by your these company 's that I do not recall authorizing. It is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit. 
I have sent this letter through certified mail in as much as I need your prompt response to this issue. Please be so kind as to forward me documentation that you have already had the unauthorized inquiry removed. 
However, should you find that I am remiss and that you did not have my authorization to inquire into my credit report then please send me proof of this fact. 
Thank you very much. 
Sincerely,

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 2024-10-04 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: IL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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