vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: PA

Complaint narrative:
I have student loans through American Education Services ( AES ). During COVID while all other student loan servicers were providing forbearances, AES stated that they were a private student loan company and did not have to provide a forbearance. I was out of work majority of the time due to COVID related health issues. I was finally able to get the forbearance approved and they stated that they would go backwards and correct my credit report. That never happened. I filed a dispute through the credit bureau 's, again asking that the 60 and 90 day past due reporting be removed. I received a response back that they would update my credit, but that never happened. I have filed several disputes, with XXXX resolution. 

I am also confused as to how they can say that my loans were private when you search AES, it comes up " American Education Services ( AES ) is a federal loan servicer that processes FFEL loans. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: Experian Information Solutions Inc.
State: LA

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 studying 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 XXXX out of XXXX 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 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 2024-12-02 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:
These accounts do not belong to me. 
XXXX  XXXX account XXXX amount {$5800.00} XXXX XXXXXXXX account XXXX amount {$1500.00} XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX {$2600.00} i sent them certified mail several times to address this matter and no response at all i have proof that i sent and they received because they signed for it. they are trying to collect the wrong thing they dont have the right to collect on this account. i never signed anything with this company. i even sent it to experian, XXXX and XXXX and nothing was sent to me to validate this debt or any of the above according to the law 15 us code 1681 procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifes the agency directly or indirectly through reseller of such disput the agency shall free of charge conduct a reasonablie reinvestigation to determine whether the disputed information is inacurrate and record the current status of the disputed information or delete the item from the file in accordance with paragraph 5 before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller

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 2024-12-02 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: NJ

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: NC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to formally request the removal of inaccurate information regarding a dismissed ( or filed ) bankruptcy listed on my credit report. I understand that you may receive information from third-party verification systems, such as PACER. However, these systems are not always accurate due to limitations, such as incomplete Social Security number reporting.

While I understand your policy may involve retaining records of bankruptcies for up to 10 years, the Fair Credit Reporting Act ( FCRA ) clearly states that dismissals or filings should not remain on my credit report if they are no longer valid. Specifically, Section 1681c of the FCRA does not provide grounds for maintaining dismissed or adjudicated bankruptcies.

Additionally, under Section 1681b ( a ) of the FCRA, consumer reporting agencies are required to have a permissible purpose to include information on an individuals credit report. I did not provide any authorization or written instructions allowing you to place this dismissed bankruptcy on my report. As such, maintaining this information on my credit report without my consent is a violation of my rights under the FCRA. 

According to federal law, a dismissed or adjudicated bankruptcy case no longer exists in the eyes of the law. Retaining such information is an inaccurate representation of my credit history, as these cases are deemed legally non-existent. Therefore, in compliance with Sections 1681 ( a ) ( 5 ) and 1681b ( a ) of the FCRA, I kindly request that you delete this information from my credit report and provide me with an updated copy reflecting this correction.

As this request does not require further investigation, I would appreciate your response within two weeks of receiving this letter.

Thank you for your attention to this matter. 

Sincerely, 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 2024-12-02 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: ID Analytics, Inc.
State: GA

Complaint narrative:
Subject : Notice Regarding Discharge of Debt Under XXXX XXXX and Request for Credit File Update I am writing to formally notify you of my status as a Secured Party Creditor and the discharge of all debts associated with my accounts under the provisions of XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX ) of 1933. Enclosed with this correspondence is an official document from the Internal Revenue Service corroborating this discharge. 

The discharged accounts include obligations reported under the following institutions : XXXX XXXX XXXX XXXX XXXX XXXX Under the authority of XXXX XXXX and supporting documentation, I understand that these debts are considered null and void. Furthermore, I request that any derogatory or inaccurate information about these discharged accounts be permanently removed from my credit file.

As a consumer, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically under : 15 U.S.C. 1681i : The right to dispute inaccurate information and have it promptly corrected.

15 U.S.C. 1681c : The right to request the removal of obsolete information.

To ensure compliance with federal laws, I expect these actions to be completed within 7 business calendar days from the date of your receipt of this notice.

Failure to comply with this lawful request may result in further action, including filing a formal complaint with the Federal Trade Commission and potential legal remedies. 

Please confirm in writing once these corrections have been made, and direct any correspondence or inquiries regarding this matter to my attention at the address on file. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: OK

Complaint narrative:
There are fraudulent items on my credit report that I have no connection to and have never benefited from in any way. These accounts and transactions were added without my knowledge or consent and I believe to be fraudulent. Ive already reported this issue to the Federal Trade Commission and followed all necessary steps, yet these fraudulent items remain on my report. It is both frustrating and concerning to see these inaccuracies and fraudulent acts continue to harm my credit and put my financial security at risk.

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 2024-12-02 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX XXXX Account Number : XXXX Balance : {$580.00} Reason : This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Account Name : XXXX Account Number : XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX XXXX Account Number : XXXX Balance : {$500.00} Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$850.00} Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$440.00} Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

INQUIRIES XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX  on XX/XX/year> XXXX XXXX on XX/XX/year> EQUIFAX XXXX on XX/XX/year> XXXXXXXX XXXX XXXX on XX/XX/year> These items are either reported incorrectly or have already been resolved, so I ask for a thorough investigation and correction. I've reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please address this matter promptly and update my credit report to reflect accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: MS

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. 

Acct nameXXXXXXXX XXXX  : # XXXX XXXX Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, ACCT NAME : XXXX XXXX XXXX  # XXXX ACCT NAME : XXXX XXXX XXXX # XXXX ACCT NAME : XXXX XXXX XXXX # XXXX ACCT NAME : XXXX XXXX XXXX # XXXX ACCT NAME : XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 

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

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 2024-12-02 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: MS

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. 

Acct name-XXXX XXXX : # XXXX XXXX Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, ACCT NAME : XXXX XXXX XXXX # XXXX ACCT NAME : XXXXXXXX XXXX XXXX # XXXX ACCT NAME : XXXX XXXX XXXX  # XXXX ACCT NAME : XXXX XXXX XXXX # XXXX ACCT NAME : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

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 2024-12-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: OK

Complaint narrative:
I am writing to request assistance regarding the issuance of a Form 1099-C, Cancellation of Debt, by IQ Data International . I need a copy of the 1099-C & I believe this matter requires further review and clarification. I have concerns regarding the accuracy and legitimacy of the cancellation of debt and the subsequent reporting to the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: CO

Complaint narrative:
Hello. My wife and I are currently applying for new auto insurance as we've had a lot of ongoing issues with XXXX these past few years, as evidenced by what has been reported to LexisNexis. I am a XXXX veteran with XXXX XXXX XXXX  and am having a lot of difficulty using their automated XXXX in an attempt to correct the misinformation provided to them by XXXX that is on our XXXX reports. On my XXXX  report, I have XXXX accidents listed ( XX/XX/XXXX & XX/XX/XXXX ). These are actually XXXX claim and neither were a Collision. On XX/XX/XXXX, I was sitting in my vehicle in a parking lot and a teenager hit my parked car with his vehicle 's car door. I reported it to XXXX via their mobile app and accidentally clicked the wrong button ( Collision ). I informed XXXX of my mistake and that claim was updated to a Comprehensive claim, then later cancelled and reopened as a new claim upon discovering more extensive damage to the vehicle once at the repair shop for the ding on my vehicle due to the teenager 's car door. The new issues identified on XX/XX/XXXX, though much more severe, was also erroneously opened as a Collision claim, as it was simply a DUPLICATE of the original claim made on XX/XX/XXXX. Because the original claim was canceled and the second one is in fact a duplicate of the original Comprehensive claim, neither should be on my XXXX report at all yet I am being forced to wait for LexisNexis to send me a copy of the XXXX report in the mail, then somehow dispute this information with them in the hopes of updating the report all due to XXXX 's errors which I feel are intentional due to our contentious relationship. Same with my wife ; in her case she has XXXX accidents on her XXXX report reported by XXXX that they found her at no fault for. The other parties were fully financially liable. Colorado, our state of residence, is also a 'no fault state ' regardless, so it shouldn't be impacting our financial rates as much as is. Yet, the information provided to us by several insurance carriers confirmed via our XXXX reports and the information reported in them from XXXX is in fact more than doubling the rates we are being offered. I feel as though we are being targeted by XXXX after almost XXXX years of membership and have no means of recourse or consumer protection from such a large institution only looking out for their own interests. Due to these ongoing issue, we are being hit with exorbitant auto insurance rates across the board due to this wildly inaccurate and outright false information on ouXXXX XXXX reports. Is there any way you could please help us so we can still financially provide our children a nice Christmas this year? Thank you so much for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: CA

Complaint narrative:
Initial account dispute due to identity theft and fraud for XXXX XXXX  credit card ending XXXX. Was initiated XX/XX/year> and investigation was finalized along with results XX/XX/year>. 

The account was deleted from my credit report as it was found fraudulent on XX/XX/year>. 

The account has since been reinserted on my credit report XX/XX/year>, a month and 13 days after the investigation was finalized. Experian allowed the account to be reported 43 days after the investigation was finalized.

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 2024-12-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Select Management Resources, LLC
State: IL

Complaint narrative:
This company advertised on the web to an Illinois Resident, coerced an Illinois Resident to travel to Wisconsin on a phone call, & had an Illinois Resident accept loan terms that violated Illinois State Protections regarding Predatory Loans ( PLPA [ Predatory Loan Prevention Act ] ). This company never informed the Illinois Resident of such protections. The Illinois PLPA states : ( 815 ILCS 123/15-5-15 ) Sec . 15-5-15. No evasion.

( a ) No person or entity may engage in any device, subterfuge, or pretense to evade the requirements of this Act, including, but not limited to, making loans disguised as a personal property sale and leaseback transaction ; disguising loan proceeds as a cash rebate for the pretextual installment sale of goods or services; or making, offering, assisting, or arranging a debtor to obtain a loan with a greater rate or interest, consideration, or charge than is permitted by this Act through any method including mail, telephone, internet, or any electronic means regardless of whether the person or entity has a physical location in the State. 

This company violated this act by " making, offering, assisting, or arranging a debtor to obtain a loan with a greater rate or interest, consideration, or charge than is permitted by this Act through any method including mail, telephone, internet, or any electronic means regardless of whether the person or entity has a physical location in the State. '' Furthermore, this company has violated this act by aggressive means of collecting by contacting other Illinois residents listed as references to instruct the debtor to continue payments. 

The Illinois PLPA States : ( 815 ILCS 123/15-5-10 ) Sec . 15-5-10. Violation. Any loan made in violation of this Act is null and void and no person or entity shall have any right to collect, attempt to collect, receive, or retain any principal, fee, interest, or charges related to the loan.

( Source : P.A. 101-658, eff. 3-23-21. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief