vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-23 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: OH

Complaint narrative:
I am submitting this complaint against Experian regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputed Information : account #, last verified, date opened, closed date, last payment and credit limit. Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1.Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2.Section 611 : Right to dispute inaccuracies and request investigation.

3.Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4.15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Experian has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

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 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
HELP ME TAKE THIS FALL INACCURATE INFORMATIONS OFF FROM MY REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: TX

Complaint narrative:
I am writing regarding unauthorized accounts on my consumer report that are linked to identity theft. These accounts were added without my written authorization or wet signature. Despite my previous communication with your organization, these fraudulent items remain on my report. 

The continued presence of these unauthorized accounts has caused me significant emotional and financial distress. These items inaccurately represent my credit history and have severely impacted my ability to achieve critical financial goals, including purchasing a home and meeting my family 's financial needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: MI

Complaint narrative:
In 2021, I took out a private loan with Sallie Mae to cover the cost of a XXXX XXXX. The loan amounts were {$64000.00} at a 12.375 % interest rate and {$6700.00} at a 14.875 % interest rate. At the time I signed for the loan, I was told that the interest rate would not exceed 7 %, and that the loan could be deferred while I was in school. 

Since then, Ive completed a XXXX XXXX and am planning to attend XXXX XXXX However, because I am currently on a gap year, Sallie Mae has placed my loan into repayment. They are requiring principal payments of {$1100.00} per month, while the loan is accruing {$940.00} in interest monthly. Despite my efforts to work out an alternative arrangement based on my annual income of {$54000.00}, Sallie Mae has refused to offer any feasible options. Every supervisor I speak with reads from a script, offering no real solutions, and simply asks if I can pay. 

At this rate, my loan will balloon from {$70000.00} to over {$200000.00}, tripling by XXXX. This feels both predatory and unsustainable. My credit score has significantly dropped due to this loan, and its now preventing me from refinancing with another institution. Ive made every effort to be a responsible borrower, but Sallie Mae is offering no viable solutions, and I am on the verge of having my co-signer file for bankruptcy. 

In addition to the financial burden, Sallie Mae has harassed both me and my co-signer with 3-5 daily phone calls, including calls to both of our workplaces. I am committed to repaying what I borrowed after completing my XXXX XXXX, but I urgently need a solution that takes into account my financial situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Beginning in XX/XX/year> the account in question ( GOLDMAN SACHS AND COMPANY ) was reported 30 days late and the processing of my payment to this company was sent back in error. Causing my credit score to go down and changed my good score to fair.

As a result, the company then closed my account and I loss access to the online portal which I pay my bill on. 
I've tried to pay the bill and the company ask me to verify that the bank account is owned by or that I'm the XXXX of the account I'm paying from. During the process of trying to pay for the account that I'm owner of, another late payment has posted for 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 non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Beginning in XX/XX/year> the account in question ( XXXX XXXXXXXX XXXX XXXX ) was reported 30 days late and the processing of my payment to this company was sent back in error. Causing my credit score to go down and changed my good score to fair. 
As a result, the company then closed my account and I loss access to the online portal which I pay my bill on. 
I've tried to pay the bill and the company ask me to verify that the bank account is owned by or that I'm the XXXX of the account I'm paying from. During the process of trying to pay for the account that I'm owner of, another late payment has posted for XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Beginning in XX/XX/year> the account in question XXXX XXXX XXXX XXXX XXXX XXXX was reported 30 days late and the processing of my payment to this company was sent back in error. Causing my credit score to go down and changed my good score to fair. 
As a result, the company then closed my account and I loss access to the online portal which I pay my bill on. 
I've tried to pay the bill and the company ask me to verify that the bank account is owned by or that I'm the XXXX of the account I'm paying from. During the process of trying to pay for the account that I'm owner of, another late payment has posted for XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: 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 2024-10-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Guild Holdings Company
State: ID

Complaint narrative:
I have been working with a mortgage company while searching for a house. Prior to working with them I expressed the need for down payment assistance. I was pre approved with down payment assistance and began home searching. I submitted an offer for a house on XX/XX/XXXXXXXX The offer was accepted XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  my loan officer called and said my current mortgage program would not work with the seller. She offered me a different mortgage program with a grant instead of down payment assistance. I signed all of the paperwork for the new program XXXX. Completed a 3 hour class for first time home buyers required by the program. Found home insurance. Payed the escrow company. Had an inspection for the home XXXX. Agreed with the seller the home would be as is and waited to close. Appraisal for the home was completed on XXXXXXXX XXXX XXXX  I also submitted paperwork to break my current lease and agreed to pay {$5700.00} to move out. On XX/XX/XXXX ( 13 days prior to close and 19 days after signing my mortgage program ) I get an email from my loan officer saying she was recommending a backup mortgage program because the loan program I agreed to on XXXX fell through. This new loan program did not offer down payment assistance, no grant, but instead XXXX of my own money to close. Confused, I asked why it fell through. She said she was unable to lock in the interest rate with the initial program and she had been waiting for the rates to come down, however, the rates have only been rising. She hadnt mentioned anything prior. There was no communication over the course of almost 3 weeks that I was not locked in to an interest rate and we were waiting for the current rates to lower. I was under the assumption we were good to go. I now have 12 days until close. I am unable to afford the current mortgage program she is offering. I no longer qualify for any of the previous ones because the rates have went up too high. I have already broken my lease. And I have no time to try and find a new lender before my closing date. My only option now is to back out and ask my landlord to stay if they havent already found a replacement tenant. I am incredibly upset at the loan officers lack of communication. She should have told me I was never locked in. She should have offered other loan programs weeks ago. Instead she sat silently waiting for the rates to come down. Now rates are too high. Now I am left with only 12 days to figure out what Im going to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: OK

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 2024-10-23 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: OK

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 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
My information was compromised in a data breach. I also have accounts I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: IL

Complaint narrative:
On XX/XX/year>, I reviewed my credit TransUnion, XXXX XXXX XXXX  credit reports. After contacting XXXX XXXX numerous times and disputing this inaccurate account which is not mine over five times previously, I notified XXXX XXXX in writing ( see Letter uploaded with this complaint ) that this is not my account and I am a victim of identity theft. Sent filed copy of FTC theft Affidavit and Police Report along with my identification ( driver ; 's license, Social Security Card, and utility bill ). After numerous calls and writing dispute letters that this is not my account the inaccurate, negative account remains on my credit report and is affecting my ability to get new credit, apartment and car.

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 2024-10-23 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:
On XX/XX/year>, I reviewed my credit XXXX, XXXX and Experian credit reports. After contacting XXXX XXXX  numerous times and disputing this inaccurate account which is not mine over five times previously, I notified XXXXXXXX XXXX in writing ( see Letter uploaded with this complaint ) that this is not my account and I am a victim of identity theft. Sent filed copy of FTC theft Affidavit and Police Report along with my identification ( driver ; 's license, Social Security Card, and utility bill ). After numerous calls and writing dispute letters that this is not my account the inaccurate, negative account remains on my credit report and is affecting my ability to get new credit, apartment and car.

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 2024-10-23 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: FL

Complaint narrative:
I have submitted multiple disputes. I have requested documentation according to 1666b billing error. It has not been provided. I have also requested methods of validation. Please ensure the credit bureaus investigate my disputes. I have attached them to this complaint.

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 2024-10-23 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: FL

Complaint narrative:
I have submitted multiple disputes. I have requested documentation according to 1666b billing error. It has not been provided. I have also requested methods of validation. Please ensure the credit bureaus investigate my disputes. I have attached them to this complaint.

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 2024-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent out letters to all bureaus and still have yet to receive a reply. It has been more than XXXX XXXX days since I mailed dispute letters. And over XXXX XXXX days since my last complaint filed with cfpb. And yet I still havent heard anything. Nor has the problem been resolved. My rights are being violated. And I refuse to allow more time for them to try and correct the inaccurate information. When the laws clearly state the allocated time they have and what will occur if situation is not handled appropriately. I wish to have all inaccurate information removed and I request compensation for the stress and duress this process has put me under. 15 USC 1681 s2 ( A ) ( 1 ) clearly states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate! I have in my possession U.S. Postal Service CERTIFIED MAIL RECIEPTS. Dated XX/XX/year>. That were mailed to all three reporting agency asking for a correspondence and proof of these accounts through certified mail. And I have yet to receive a response. Supporting their claims. And then I also sent an cfpb complaint on XX/XX/year> and still have yet to receive any letters or documentation proving that I am obligated and have a contract with the companies who are reporting these inaccuracies. The allocated time has expired.

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 2024-10-23 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: TX

Complaint narrative:
I sent out letters to all bureaus and still have yet to receive a reply. It has been more than XXXX XXXX days since I mailed dispute letters. And over XXXX XXXX days since my last complaint filed with cfpb. And yet I still havent heard anything. Nor has the problem been resolved. My rights are being violated. And I refuse to allow more time for them to try and correct the inaccurate information. When the laws clearly state the allocated time they have and what will occur if situation is not handled appropriately. I wish to have all inaccurate information removed and I request compensation for the stress and duress this process has put me under. 15 USC 1681 s2 ( A ) ( 1 ) clearly states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate! I have in my possession U.S. Postal Service CERTIFIED MAIL RECIEPTS. Dated XX/XX/year>. That were mailed to all three reporting agency asking for a correspondence and proof of these accounts through certified mail. And I have yet to receive a response. Supporting their claims. And then I also sent an cfpb complaint on XX/XX/year> and still have yet to receive any letters or documentation proving that I am obligated and have a contract with the companies who are reporting these inaccuracies. The allocated time has expired.

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 2024-10-23 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: WI

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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