vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are in direct violation of the Fair Credit Reporting Act, regarding my XXXX XXXX credit card account XXXX XXXX XXXX XXXX XXXX, which is a direct violation of my consumer rights. 

15 USC 1681 Section 602 A clearly states I have a right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent. 

15 USC 1666B : A creditor may not treat a payment on an a credit card account under an open-end consumer credit plan as late for any purpose. 

I specifically requested an investigation into this error, but a letter was received, by the credit grantor, denying an investigation ( enclosed ). 

Remove this late payment and update this account immediately, as you are in direct violation of several laws under the Fair Credit Reporting Act. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are in direct violation of the Fair Credit Reporting Act, regarding my XXXXXXXX XXXX  credit card account # XXXX XXXX XXXX XXXXXXXX, which is a direct violation of my consumer rights. 

15 USC 1681 Section 602 A clearly states I have a right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent. 

15 USC 1666B : A creditor may not treat a payment on an a credit card account under an open-end consumer credit plan as late for any purpose. 

I specifically requested an investigation into this error, but a letter was received, by the credit grantor, denying an investigation ( enclosed ). 

Remove this late payment and update this account immediately, as you are in direct violation of several laws under the Fair Credit Reporting Act. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 2024-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Ensuring timely payments has been my priority with this account, ensuring no instances of overdue payments. I'm puzzled by the late payment remarks appearing on my accounts, and I believe they should be corrected according to 15 USC 1666b - Billing Error.

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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-03-12 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: NE

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S.

Code 1681i - Procedure in case of disputed accuracy. 
Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX XXXX Equifax Information Services LLC ( XXXX XXXX XXXX ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 
While these third-party collectors attempted to collect a debt that is not mine, they broke fifteen U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXXXXXX. XXXX. 
XXXX ), the below false creditors will be liable for your willful non-compliance. Also, in XXXX XXXX Equifax Information Services LLC ( XXXX XXXX XXXX ), they may be liable for false reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 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: FL

Complaint narrative:
On XX/XX/XXXX, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. 
Code 1681i - Procedure in case of disputed accuracy. 
Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 
While these third-party collectors attempted to collect a debt that is not mine, they broke fifteen U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX  XXXX. XXXX. 
XXXX ), the below false creditors will be liable for your willful non-compliance. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), they may be liable for false reporting.

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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Could you kindly review the documentation? A few of the mentioned accounts contain inaccuracies, causing me distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: NE

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
I received a letter from Credit Management Company about a bill from XXXX2021 for {$310.00} that I had no clue about, I never received a bill for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: MD

Complaint narrative:
Could you please verify if FCRA 605B necessitates the removal of any incorrect accounts from my credit report? Some of the listed accounts are inaccurate, and this is causing me discomfort.

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 2024-03-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
Hello, I recently had a collection show up on my credit report in the amount of {$18000.00}, being collected by National Credit Systems on behalf of the original creditor, XXXX XXXX XXXX XXXX in XXXX, XXXX. 

I have lived in XXXX XXXX for XXXX years and XXXX before that, and have never lived in XXXX - someone had leased an apartment using my information and identity. 

This person also purchase a car in my name in 2023 which I got another collection for and have now gotten removed from my credit report. 

I have tried to contact XXXX XXXX XXXX XXXX but have not got ta an answer when calling. 

I did open a dispute with XXXX for this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am promised accuracy in my credit `report based on federal law I am making this call as another attempt to have these errors corrected on my consumer report under 15 USC 1681, 15 USC 1681d all unverified information must be promptly removed as you can see in your system that you can not verify this information and validate it so I request that you remove it now. I just received notice that there have been recent attempts for credit on my credit report I need those inquiries to be removed. All bureaus are refusing to remove the inaccurate reporting, Pursuant to 15 USC 1681n ( Civil Liability for willful noncompliance ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Applied for buy now pay later lending with Affirm, for a purchase totaling less than {$110.00} on XX/XX/24. Notification received via email immediately upon submitting application advising verbatim " Our partner bank can't approve the loan you requested because of your repayment history with Affirm. Your application was processed by a credit scoring system that assigns numerical values to various factors we consider in evaluating loan applications. These numerical values are based upon analysis of the repayment histories of large numbers of customers. The information in your application did not score a sufficient number of points for approval. The reasons you did not score well compared to other applicants were : 1. Payment history with Affirm 2. Credit utilization 3. Credit score '' The first issue is the fact I've had one & only one previous loan with Affirm, of which was also just this year. Not only was my loan paid off in full & on time, but SUPER early, with Affirm deducting only! of the scheduled auto-payments. The second issue is the fact Affirm approved me for a XXXX loan for {$65.00} only XXXX business days earlier, which brings me to the XXXX & final issue. Aside from Affirm completely contradicting themselves based on the information provided above, the information contained in my file is likely accurate, reflecting satisfactory payment history for both my prior & current loan, leading me to believe that a flaw lies within their automated scoring system. Regardless of whether inaccurate and/or false records are on file or the programmed algorithms in their automated system are causing invalid scores to be generated is irrelevant as there is definitely unfair practices taking places

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I paid all balances for services off on my PayPal Credit and they are still saying I have a balance. I talked to someone amd they said charges were wrong amd there fault and that they will resolve and take off all charges and fees for interest. The call was recorded amd the woman I spoke with spent an hour with me on this. They are saying now they have nothing showing that. I was told I didn't have to do anything else and all charges were removed. They have now reported to credit bureaus amd its affecting credit. This has never happened to me. They are calling and emailing daily amd harassing me. I want this off my back. It's so wrong how much time I've spent trying to resolve this especially after finally feeling relief it was resolved amd someone helped me. Now they are acting like that never happend. This is not ok and I'm not paying after I was told it was there fault and said all was resolved. Please help!

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 monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: CO

Complaint narrative:
In XX/XX/XXXX, I finished my XXXX payments to qualify for XXXX of XXXX loans serviced by Mohela. 

On XX/XX/XXXX I received a letter that indicated the unsubsidized loan was forgiven, but I still show a balance of {$62000.00} on the subsidized loan. 

I was then advised by XXXX, a XXXX guidance service that I subscribe to to file this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Equifax : On XX/XX/2024, I mailed a dispute letter to Equifax disputing the completeness and accuracy of accounts on my credit report. I recently received a response from Equifax that was issued by them on XX/XX/2024 that they received my dispute but they would not process it because they are assuming it is from a 3rd party. I'm not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that Equifax do its job and conduct a proper investigation on the accounts I am trying to dispute. I have attached the letters along with my Driver 's license and proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
On Saturday XX/XX/2024 Genesis Credit Management added an amount of {$5900.00} to my credit report. The company Genesis Credit Management never supplied purchase agreement nor ability to dispute. As of Tuesday, XX/XX/2024, the purchase agreement is being requested in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: NE

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-12 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Acct XXXX XXXX XXXX XXXX XXXX You are in direct violation of the Fair Credit Reporting Act, regarding my XXXXXXXX XXXX  credit card account # XXXX XXXX XXXX XXXX which is a direct violation of my consumer rights. 

15 USC 1681 Section 602 A clearly states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.

15 USC 1666B : A creditor may not treat a payment on an a credit card account under an open-end consumer credit plan as late for any purpose.

I specifically requested an investigation into this error, but a letter was received, by the credit grantor, denying an investigation ( enclosed ).

Remove this late payment and update this account immediately, as you are in direct violation of several laws under the Fair Credit Reporting Act. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 2024-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Throughout this account 's history, I've consistently made timely payments, ensuring they never become overdue. However, I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, these discrepancies should be rectified.

Company response to consumer: Closed with non-monetary relief