vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-28 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: MD

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2024-12-28 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: NJ

Complaint narrative:
As further proof that you the credit reporting agency are intentionally and constantly violating my rights under the consumer credit laws by continually reporting accounts that I previously identifed as inaccurate, I direct your attention to the attached page XXXX of the XXXX XXXX XXXX, Credit Bureaus, Credit Scoring, and Related Policy Issues which was Updated XX/XX/year>. This report confirms that there is no federal or state law that mandates reporting and that you the credit reporting agency receive regular fees from the credit furnishers for reporting accounts even when inaccurate. For example, there are XXXX credit furnishers ( XXXX and XXXX XXXX XXXX ) that you are conspiring with to deprive me of my rights under the consumer credit laws. XXXX and XXXX XXXX XXXX sued me for alleged debts I do not owe but the cases were dismissed. I am attaching the XXXX case jackets showing these cases were dismissed. Therefore these inaccurate accounts XXXX XXXX and XXXX XXXX XXXX and XXXX should have been already deleted. Yet you the credit reporting agency continue to report them to obtain unjust enrichment. I also previously contacted you the credit reporting agency via this same portal CFPB to inform you that if these accounts ( XXXX and XXXX XXXX ) are showing as charged off, that is also a violation as charged off accounts according to the XXXX XXXX XXXX are considered income and are not collectible. Yet you the credit reporting agency continued to conspire with the credit furnishers to report this information thus slandering my character and causing perpetual and permanent harm. I am also attaching documentation where I asked the credit furnishers for these forms XXXX but they have refused which is further proof of their abusive, deceptive and illegal practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: IL

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

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 2024-12-28 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: IL

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

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 2024-12-28 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX [ XX/XX/XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Report of Violations by Equifax Information Services Dear CFPB, I am writing to formally report several violations related to my account with XXXX XXXX XXXX  XXXX. After reviewing my account statements and credit report, I have identified several discrepancies that violate the Fair Credit Reporting Act ( FCRA ). The details of these violations are outlined below : 1. **Account Status Discrepancy** The account is reported as " Charge Off, '' but the remarks indicate it was " paid for less than the full balance '' and " paid charge off. '' If the account is settled, the status should reflect " Settled '' or " Paid, '' not " Charge Off. '' **Potential Violation : ** Inaccurate account status.

2. **Late Payment Reporting After Charge-Off** The report lists late payments ( 30/60/90 days ) for months following the charge-off date. Once an account is charged off, late payments should not continue to be reported as the debt is no longer active in repayment.

**Potential Violation : ** Continued reporting of late payments after the account was charged off.

3. **Remarks Contradiction** The remarks state the account is disputed and resolved ( " paid for less than full balance '' ). If this is accurate, the late payment history and charge-off status should align with the settlement agreement.

**Potential Violation : ** Failure to accurately update the account based on resolution.

4. **Balance Reporting Inconsistency** The balance is reported as {$0.00}, indicating the debt is fully resolved. However, the " Collection/Charge-off '' status and late payment markers

may mislead creditors or other reviewers. **Potential Violation : ** Reporting reso
lved accounts in a derogatory manner.

5. **Failure to Update After Dispute** If I have already disputed this account and provided evidence of resolution, failure to update the report violates the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure all information is accurate and complete. 
**Potential Violation : ** Non-compliance with FCRA dispute resolution timelines ( 30-45 days ). 

I respectfully request that the CFPB investigate these violations and take appropriate action to ensure that Equifax Information Services complies with the Fair Credit Reporting Act. Thank you for your attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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 am filing this complaint because I am being harassed by a debt collection agency for a debt that I do not owe or that is not valid. The collection agency has failed to provide proper validation of the debt despite my request, as required under the Fair Debt Collection Practices Act ( FDCPA ). Additionally, they have continued to contact me repeatedly via phone and email after I requested they cease communication. I believe the debt is either inaccurate or was not mine to begin with, and I have asked the agency to provide evidence supporting their claim, but they have not responded or provided the requested documentation. This situation is causing undue stress and negatively affecting my credit report without justification. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX, action : exposed to data breach Pursuant 15 USC 1681, section 602, XXXX XXXX XXXX XX/XX/XXXX, action : exposed to data breach Pursuant 15 USC 1681, section 602 XXXX XXXX XXXX XXXX XXXX action : exposed to data breach Pursuant 15 USC 1681, section 602, XXXX XXXX XX/XX/XXXX, action : exposed to data breach Pursuant 15 USC 1681, section 602, Kia Finance America : action : exposed to data breach Pursuant 15 USC 1681, section 602 XX/XX/XXXX, action : exposed to data breach Pursuant 15 USC 1681, section XXXX XXXX XX/XX/XXXX, action : exposed to data breach Pursuant 15 USC 1681, section 602 XXXX  XXXX XXXX  XX/XX/XXXX, action : exposed to data breach Pursuant 15 USC 1681, section 602 XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, action : exposed to data breach Pursuant 15 USC 1681, section 602 XXXX XXXX XX/XX/XXXX action : exposed to data breach Pursuant 15 USC 1681, section 602

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 2024-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
XXXX XXXX From : XXXX To : XXXX Wed, XX/XX/XXXX at XXXX XXXX  I ordered XXXX XXXX  on the site and as I was looking for small denominations, I saw on the margin selection is available, So I called and the rep. said cancellation was needed and I should go to my bank ( he seemed to be having trouble ). I decided to get off the phone. 
Subsequently, I received a series of emails. 1order received. 2.order there. 2. order picked up. 
I contacted the bank ( XXXX MA ) and arranged to talk to a representative. Once I was notified the order was there, I expected to pick it up myself. I was not satisfied with the explanation. It seems to me that the entries were made to show a pickup and then a sale of the order. 
I have bought euros for my trips each year for many years ( I have large denominations ). Of course, I have paid costs for the original order, the sale back and the purchase at the bank.

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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: John C. Heath, Attorney at Law, PLLC
State: OH

Complaint narrative:
Money taken XXXX $ per month for XXXX years with little to no score increase

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-12-28 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 am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2024-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
XX/XX/year> : I received a notice that Ive reached the lifetime aggregate limit for financial aid. My quarter classes at XXXX XXXX  have still not been covered - to-date. There is now a hold on my account. 

XX/XX/year> : Mohela stated that XXXX would need to complete section 3 of the Re-Affirmation Agreement and then they would release additional funds. 

XX/XX/year> : XXXX completed an analysis of my transactions and responded by letting me know a Re-Affirmation Agreement isnt necessary because I have NOT reached the aggregate limit. That in fact, Mohela is reporting misinformation to the XXXX XXXX XXXX XXXX, theyre reporting higher balances that were disbursed. 

I am submitting the paper trail of documents and screenshots with this complaint. 

From XX/XX/year> - XX/XX/year> : Ive spent numerous hours trying to get Mohela to report correct balances so that I could move forward with registering for my final XXXX XXXX XXXX XXXX from XXXX. 

XXXX, Ive filed several complaints with studentaid.gov and have submitted documents, evidence, inquiries, and complaints to Mohela ~ without any response from them either verbally or in writing. 

Not only is it appearing that Mohela is adding XXXX XXXX XXXX to my student loans, theyre doing so without any evidence of indebtedness or any evidence of reporting from my school of ever having received those funds. Is Mohela stealing/embezzling funds from students? 

I need IMMEDIATELY RESOLVE please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ASSOCIATED BANC-CORP
State: IL

Complaint narrative:
Since taking out my mortgage in XXXX, I have made 100 % of payments on time using a monthly recurring automatic payment. In XX/XX/XXXX, my required monthly payment increased due to tax increases in my city. Despite this, the autopayment did not update and took the previous months amount, which ended up being XXXX dollars short of the required payment. One month later Associated Bank called me on the phone to tell me my payment was XXXX dollars short. I immediately paid XXXX dollars by phone and immediately increased the monthly autopayment manually. This clerical error is now being listed on my account as a missed mortgage payment and has dropped my credit score from XXXX to XXXX. This is not a missed mortgage payment it is a clerical error on the part of the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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:
XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department po box XXXX XXXX, Texas XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2024-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I had no interest accruing while on the SAVE plan. I was placed in forbearance in XXXX, and the letter says exactly " no interest will accrue while you are in the forbearance. '' I checked my account after XX/XX/XXXX, when the letter was sent. On my account I had no interest amount at all, which is correct. I also confirmed no interest would accrue during forbearance on a call with nelnet on XX/XX/2024 @ XXXX XXXX. I check recently, in XX/XX/XXXX, my interest on my account is {$230.00}. I call them, they barely listen to what I am saying and talk in circles for about an hour. I asked when these charges were added to my account and why because it should not be there. They failed to answer, they just made many different assumptions about what happened but clearly did not know what they were talking about. She said it is " CAPPED '' at {$230.00} because my interest is 0 % now, but i check the following day and it has already increased to {$230.00}. I have a recording of the call if needed but is failing to import. Please contact me if it's needed, I will send it somehow.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: NY

Complaint narrative:
XXXX XXXX Automotive- XX/XX/2024 XXXX XXXX XXXX XXXX Auto Financing Companies- XX/XX/2024 XXXX XXXX- Auto Financing Companies- XX/XX/2024 XXXX XXXX- Auto Financing Companies- XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Finance, personal- XX/XX/2024 XXXX Finance , personal- XX/XX/2024 XXXX- All Banks - non specific- XX/XX/2024 XXXX XXXX- Finance, personal- XX/XX/2024 I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit ( Credit Bureau ) permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights.

Please remove the inquires from my report.

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