vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-25 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: IN

Complaint narrative:
I had 2 student loan accounts with the department of education ( Creditor ) XXXX which both are paid in full. I took a look @ my credit report they are both open unpaid accounts but in good standings for payment. So when I contacted the Department of Education I was ask to send in paperwork to ( XXXX creditor ) through the US Department of Education, of receipts, statements or whatever I had to support my claim.I did that. Then I received an email of how much payment I have to pay. Said I was behind after proof I wasn't. Never processed it. Then when I contacted all 3 credit bureaus, The have sided with the Department of Education they have not taken it off

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 2024-03-25 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:
These accounts were not initiated by me, and I believe they are fraudulent.

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 2024-03-25 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:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In am a victim of Identity Theft and Inaccurate information reported by TransUnion. After reviewing my credit reports with TransUnion. I noticed XXXX account that are XXXX XXXX accounts that was deleted on XX/XX/20 XXXX by TransUnion # XXXX. XXXX XXXX  -Account Number # XXXX XXXX $ XXXX # XXXX. XXXX XXXX XXXX Number # XXXX Current Balance {$25000.00}, and XXXX XXXX XXXX Account Number # XXXX Current Balance {$440.00} this inaccurate information is still reporting on my TransUnion Report. This in issue of material fact. There is no doubt that evidence is sufficient and is a genuine is of material fact must be resolved against TransUnion. XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX ( XXXX XXXX XXXX. Please remove these items. Congress enacted the FCRA to protect consumer ensuring fair and accurate credit Reporting 15 U.S.C 168 ( a ) ( 1 ). Entities that report information about consumers to credit reporting agencies are called Data furnishers from reporting inaccurate information to CRAs 15 U.S.C 1681s-2 ( a ) -1681s-2 ( XXXX XXXX XXXX XXXX of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ). 
I have attached Evidence in this complaint, please see attached document.

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 2024-03-25 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: Synovus Bank
State: MS

Complaint narrative:
I am writing to formally dispute and request the removal of late payments from my credit report, which were inaccurately reported by XXXX XXXX and XXXX XXXX Credit Card. These late payments have adversely affected my credit score and financial standing. Pursuant to the Fair Credit Reporting Act ( FCRA ), I believe that these entries violate my rights under the statute, specifically under 15 USC 1681 Section 602, which ensures my right to privacy.

Furthermore, under 15 USC 1681 Section 604 A, Section 2, it is explicitly stated that a Consumer Reporting Agency ( CRA ) can not furnish information regarding my account without my explicit written instructions. I have not provided such instructions to XXXX, XXXX, & XXXX, and therefore, the inclusion of these late payments in my credit report is a violation of this provision. 

Moreover, according to 15 USC 1666B, a creditor is prohibited from treating a payment on a credit card account under an open and consumer credit plan as late for any purpose. I assert that the late payments in question were made within the appropriate timeframe as stipulated by this statute and should not have been reported as such. 

I kindly request that you promptly investigate this matter and take the necessary steps to remove these inaccurate late payments from my credit report. I also request that you provide me with a written explanation of the actions taken to rectify this issue. 

Please consider this letter as a formal dispute under the FCRA, and I expect a timely response in accordance with the law. I appreciate your attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: KY

Complaint narrative:
On XX/XX/XXXX, XXXX sent correspondents acknowledging my XXXX dispute attempt tracking ; [ XXXX Mail # XXXX XXXX XXXX XXXX XXXX ]. This document identified themselves as the current creditor and XXXX Bank as original creditor. 

On XX/XX/XXXX, I received corresponded back from a XXXX and XXXX acknowledging my XXXX  letter disputing the alleged debt [ Tracking # XXXX XXXX XXXX XXXX XXXX XXXX ]. In this letter, I informed Cavalry the information provided was not complaint with the written request of my first letter. In this response by third-party my XXXX attempt to validate the alleged debt is acknowledge. However, The response also includes a written statement saying the date of an account was opened on XX/XX/XXXX. The document also identifies Cavalry as the current creditor and XXXX XXXX  as the original creditor. The letter was accompanied with a Bill of Sale for which the date of a MASTER ACCOUNT SALE AGREEMENT was performed. A redaction of the Sale Balance also caught my attention. 

On XX/XX/XXXX, I received another correspondence from XXXX and XXXX, in response to my letter dated XX/XX/XXXX, alleging the same information from the XX/XX/XXXX response as an honest attempt to validate this alleged debt. With this response, a printed excerpt from the files system of the seller of this alleged account was provided. Unfortunately, this document too has information that too is unverified. 

In my final letter dated XX/XX/XXXX, I inform Cavalry has failed to provide any documentation that would validate the alleged debt and that due to there being no lawful obligation for me to pay this alleged debt. I then demanded " that any and all alternative means of collection of the alleged debt cease and desist immediately. This includes, but isn't limited to, any claims made through the Civil Courts ; the resale of the alleged debt ; the reporting of the alleged debt, and so forth. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: SD

Complaint narrative:
Mohela collected my XX/XX/2024 payment and failed to add the payment to my XXXX totals. This payment would have gave me the XXXX payments required for discharge. 

The company put my account into forbearance because they were requiring me to recertify my income. Mohela now considers the XXXX payment as ineligible due to forbearance. I will now have to make more payments due to their ongoing errors in both payment and student loan status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the information reported on my credit report regarding account number XXXX. According to the information provided by XXXX, the account was sold to XXXX XXXX XXXX. However, after careful review, I believe discrepancies in this account 's reporting warrant investigation. 
On or about XX/XX/2022, XXXX purportedly sold account number XXXX to XXXX XXXX XXXX. XXXX indicated that the account was charged off, and {$19000.00} was written off as bad debt. It is crucial to note that XXXX relinquished its rights to this debt upon the sale of the debt to XXXX XXXX XXXX. 
XXXX can not sell an account and maintain a tradeline simultaneously on my credit profile. The inclusion of the tradeline makes my consumer report Inaccurate and Incomplete and violates the FCRA 's proper reporting. I am being penalized twice for one offense, which is tantamount to Double Jeopardy in criminal law.

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 2024-03-25 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: CA

Complaint narrative:
I am writing to formally dispute the information reported on my credit report regarding account number XXXX. According to the information provided by XXXX, the account was sold to XXXX XXXX XXXX. However, after careful review, I believe discrepancies in this account 's reporting warrant investigation. 
On or about XX/XX/2022, XXXX purportedly sold account number XXXX to XXXX XXXX XXXX. XXXX indicated that the account was charged off, and {$19000.00} was written off as bad debt. It is crucial to note that XXXX relinquished its rights to this debt upon the sale of the debt to XXXX XXXX XXXX. 
XXXX can not sell an account and maintain a tradeline simultaneously on my credit profile. The inclusion of the tradeline makes my consumer report Inaccurate and Incomplete and violates the FCRA 's proper reporting. I am being penalized twice for one offense, which is tantamount to Double Jeopardy in criminal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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:
These accounts were not initiated by me, and I believe they are fraudulent.

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 2024-03-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
my CD account from Marcus by Goldmans was mature on XX/XX/2024. Amount is {$15000.00}. 
I called them to close account several times and their respond was just waiting for XXXX days. Its been a XXXX to hold my money. 
They already authorized my checking account for transferring funds but cd account is still closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: DC

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

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 2024-03-25 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: NV

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove these accounts from my report, they are hurting my ability to obtain auto loans. 

XXXX XXXX XXXX XXXX {$13000.00} XX/XX/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 explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : 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 2024-03-25 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: IL

Complaint narrative:
I dispute the collection accounts and both accounts came back verified. So I asked for proof of the investigation which I did not receive at all.they had 15 days to do so. 
In accordance with the fair credit reporting Act the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 usc1681 has violated my rights. 
XXXX XXXX XXXX account number XXXX and XXXX XXXX, XXXX and mont account number XXXX. 15 usc 1681 section 602a and XXXX XXXX XXXX XXXX XXXX, XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: CA

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.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
XXXX I was still paying PMI after I paid my Mortage down. Bank knew why I was paying down the mortgage and screwed up their end and said it was my fault.

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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I've been aware for the past XXXX  years that ALL the accounts ( from all major banks in the US ) in my XXXX XXXX and ChexSystems report are fraudulent and were not opened by me. My information was stolen XXXX  years ago so I've been a victim of identity theft for a decade. Making the information furnished in that report inaccurate. For more than half that timeframe I have been submitting disputes asking for verification of EVERY piece of information in that report and they ride out the full time the law allows them to investigate just to send me a letter on the last day that says the information has been " verified as accurate '', without providing how or proof. I'm tired of doing the same song and dance and going back and forth with XXXX XXXX XXXX and Chexsystems. I want the entire report and everything in it deleted as it was NOT me and I am a victim of ID theft. I keep getting inconvenienced. I'm opening accounts at banks and having them closed the same day due to this inconvenience. Everything on my report is because of identity theft. I want it all removed.

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 2024-03-25 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: FL

Complaint narrative:
Specifically, 15 USC 6802 defines a " charge-off '' as a " certificate of indebtedness ''. meaning it should not be reported on my credit as debt.

Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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:
Specifically, 15 USC 6802 defines a " charge-off '' as a " certificate of indebtedness ''. meaning it should not be reported on my credit as debt.

Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX Account number 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 2024-03-25 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: DISCOVER BANK
State: MS

Complaint narrative:
I am writing to formally dispute and request the removal of late payments from my credit report, which were inaccurately reported by XXXX XXXXXXXX XXXX  XXXX Discover Bank XXXX and XXXX XXXX XXXX These late payments have adversely affected my credit score and financial standing. Pursuant to the Fair Credit Reporting Act ( FCRA ), I believe that these entries violate my rights under the statute, specifically under 15 USC 1681 Section 602, which ensures my right to privacy.

Furthermore, under 15 USC 1681 Section 604 A, Section 2, it is explicitly stated that a Consumer Reporting Agency ( CRA ) can not furnish information regarding my account without my explicit written instructions. I have not provided such instructions to [ Credit Reporting Agency Name ], and therefore, the inclusion of these late payments in my credit report is a violation of this provision.

Moreover, according to 15 USC 1666B, a creditor is prohibited from treating a payment on a credit card account under an open and consumer credit plan as late for any purpose. I assert that the late payments in question were made within the appropriate timeframe as stipulated by this statute and should not have been reported as such. 

I kindly request that XXXX, XXXX, and XXXX promptly investigate this matter and take the necessary steps to remove these inaccurate late payments from my credit report. I also request that you provide me with a written explanation of the actions taken to rectify this issue. 

Please consider this letter as a formal dispute under the FCRA, and I expect a timely response in accordance with the law. I appreciate your attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I insist on the removal of this late payment from my account as it does not accurately reflect my payment history. I have consistently made on-time payments, and it is unjust to be penalized with this erroneous entry. I urge you to update my account without delay.

Company response to consumer: Closed with non-monetary relief