vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: TX

Complaint narrative:
Hello!

I found four unauthorized fraudulent hard inquiries on my credit report. Please help me remove them from my credit report.

See below.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-12-06 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: MO

Complaint narrative:
I just reviewed my credit report and found multiple inquiries from your company that I dont recognize. I didnt approve these, and theyre now affecting my credit score, which is really frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The account of XXXX XXXX on my all there credit reports is showing late payments of 30 days which happened in XX/XX/XXXX and XXXX 60 days which happened in XXXX and XX/XX/XXXX respectively. The account was under my personal individual responsibility. First of all two 60 days late payments can't happen one after another since after 60 days delinquency 90 days follows. That is the first inconsistency. Second of all according to the report, the account was closed on XX/XX/XXXX and the last payment received in XX/XX/XXXX. Since the account was closed and paid off there have not been any activities. Finally, I contacted the creditor, and they confirmed that since the account had been inactive ( no purchases ), late payments could never have occurred. I am requesting deletion of negative information form the specified account on all my major credit bureau.

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 2024-12-06 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:
The account of XXXX XXXX on my all there credit reports is showing late payments of 30 days which happened in XX/XX/XXXX and XXXX 60 days which happened in XXXX and XX/XX/XXXX respectively. The account was under my personal individual responsibility. First of all two 60 days late payments can't happen one after another since after 60 days delinquency 90 days follows. That is the first inconsistency. Second of all according to the report, the account was closed on XX/XX/XXXX and the last payment received in XX/XX/XXXX. Since the account was closed and paid off there have not been any activities. Finally, I contacted the creditor, and they confirmed that since the account had been inactive ( no purchases ), late payments could never have occurred. I am requesting deletion of negative information form the specified account on all my major credit bureau.

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 2024-12-06 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: TN

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: TN

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. I
f you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK
State: NY

Complaint narrative:
[ DISCOVERBANK ] XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX ] Subject : Request for Removal of Outdated Closed Account from Credit Report To Whom It May Concern, I am writing to formally dispute the reporting of a closed account that appears on my credit report. This account exceeds the reporting time frame allowed under the Fair Credit Reporting Act ( FCRA ) and should be removed. 

Account Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account Closed XX/XX/XXXX Account last reported Last reported XX/XX/XXXX Amount Owed {$4300.00} Payment status In Collections/Charge-off Remarks by creditor Profit and loss write-off Dispute resolved reported by grantor Dispute resolved reported by grantor Account Name : [ XXXX XXXX  Account Number : [ LAST XXXX # XXXX ] Under the FCRA, negative information, including accounts that are closed, may only be reported for seven years from the date of first delinquency. Based on my records, this account was closed and is beyond the allowable reporting period. As such, it should no longer appear on my credit report.

I respectfully request that you investigate this matter and delete this account from my report. Please find attached copies of the following documents for your reference : A copy of my credit report with the outdated account highlighted. 
Any other supporting documentation to confirm the account 's age and status. 
Please confirm that this account has been removed from my credit report within 30 days, as required by law. If the account can not be removed, I request a detailed explanation of your investigation and the reasons for continuing to report the account. 

Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: MOHELA
State: PA

Complaint narrative:
I have spent the last 5 months trying to resolve with both Mohela my loan servicer and Federal Student Aid Department of Education that I have satisfied my XXXX qualifying payments in public service to have loan forgiven. I was notified by Federal Student Aid via letter attached and also on my studentaid.gov account that the loan in question was forgiven. I have submitted complaints with Federal Student Aid to please notify Mohela that loan has been forgiven with no resolution. I continue to pay monthly to Mohela when I should not be. Please see attachments. I appreciate any help on this matter as I should not continue to pay a loan that has been forgiven through XXXX  program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: FL

Complaint narrative:
I Received A copy of My Credit Report I saw My Address On File Is Incorrect & Needs To Be Fixed IMMEDIATELY AND THERE ARE Accounts That Don't Suppose To Be There REPORTING. I've Notified The Creditors As Well As The Credit Agencies. Please help me with these FRAUD ACCOUNTS to Be Deleted/REMOVED. PLEASE HELP ME RESOLVE THIS ISSUE. 

THESE ARE THE ACCOUNTS : XXXX XXXX Balance : {$4900.00} XXXXXXXX XXXX  XXXX Balance : {$320.00} ACCNT : XXXX XXXX XXXX XXXX XXXX Balance {$450.00} ACCNT # XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX Account # XXXX Open XXXX XXXX account XXXX XXXX Date XXXX. 

Under FCRA Consumer SECTION : 15 USC 1681B Permissible Purposes. 15 USC 1681 ( B ) Disclosure, 15 USC 1681Q- any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be find under TITLE 18, Imprisoned for not more then 2 years.

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 2024-12-06 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: FL

Complaint narrative:
I Received A copy of My Credit Report I saw My Address On File Is Incorrect & Needs To Be Fixed IMMEDIATELY AND THERE ARE Accounts That Don't Suppose To Be There REPORTING. I've Notified The Creditors As Well As The Credit Agencies. Please help me with these FRAUD ACCOUNTS to Be Deleted/REMOVED. PLEASE HELP ME RESOLVE THIS ISSUE. 

THESE ARE THE ACCOUNTS : XXXX XXXX Balance : {$4900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$320.00} ACCNT : XXXX XXXX XXXX XXXX XXXX Balance {$450.00} ACCNT # XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX Account # XXXX Open XXXX XXXX account XXXX XXXX Date XXXX. 

Under FCRA Consumer SECTION : 15 USC 1681B Permissible Purposes. 15 USC 1681 ( B ) Disclosure, 15 USC 1681Q- any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be find under TITLE 18, Imprisoned for not more then 2 years.

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 2024-12-06 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 kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: FL

Complaint narrative:
I am writing to formally request an investigation into several accounts listed on my credit report that I believe are a result of identity theft. I have recently reviewed my credit report and noticed multiple collections from companies I do not recognize, and I have not authorized any of these accounts.

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 2024-12-06 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: FL

Complaint narrative:
I am writing to formally request an investigation into several accounts listed on my credit report that I believe are a result of identity theft. I have recently reviewed my credit report and noticed multiple collections from companies I do not recognize, and I have not authorized any of these accounts.

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 2024-12-06 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: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
Chexsystems refuses to correct and or remove inaccurate information from my consumer report. They have an address listed for me in a city in which I have never resided in. Additionally, they are reporting erroneous information. They are reporting negative information on a account that was closed and satisfied. I was the potential victim and I am the one who is being punished, how is this protecting the consumers rights?

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 2024-12-06 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: TRUIST FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am writing to formally resubmit my complaint to SHEFFIELD FINANCIAL regarding the inaccuracies present on my credit report, and to express my dissatisfaction with the lack of action taken to remove these inaccuracies. The data reported on my credit file is neither verifiable nor substantiated by proper documentation. I believe that these items are not compliant with the Fair Credit Reporting Act ( FCRA ) or the Fair and Accurate Credit Transactions Act ( FACTA ), and I request that they be investigated and removed promptly. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MI XXXX. My date of birth is XX/XX/year>. The associated FTC complaint report number for this issue is XXXX. I have identified potentially inaccurate and unverified inquiries and accounts on my credit file that lack my authorization. These items appear to violate provisions of the FCRA, specifically Section 609 ( 15 U.S.C. 1681g ), which requires that credit reporting agencies provide accurate and verifiable information. Additionally, these items may be in violation of FACTA, Title 1, Section 151, which mandates the proper authorization and verification of all information reported. As a consumer, I am asserting my rights under both federal and state consumer protection laws to ensure that inaccurate or unverified information is promptly removed from my credit report. This letter serves as a formal dispute of the information reported and a request for an immediate compliance check in accordance with the FCRA and FACTA. Thank you for your prompt attention to this matter. I expect a response within the timeframe required by law and anticipate that the inaccuracies will be addressed accordingly.

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 2024-12-06 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: GA

Complaint narrative:
I spoke to XXXX from XXXX XXXX ID number XXXX A payment that was due on XX/XX/XXXX the payment was made on XX/XX/XXXX which wasnt 30 days late. We need the 30 late 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 2024-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with explanation