vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-25 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:
In XXXX, I completed disputes with Equifax and XXXX to resolve incorrect reporting of my Dept of EducationXXXX accounts that were opened on XX/XX/XXXX with balances in the amount of {$33000.00} and {$27000.00} respectively. These loans were originated as a federal student loan consolidation with an origination date of XX/XX/XXXX and final payoff and closing date of XX/XX/XXXX as documented with the Department of Education. A copy of the loan documentation sourced from the Department of Education is attached herein. 

Currently, both the Equifax and XXXX reporting of these accounts are inaccurate. Both CRAs continue to falsely report that these accounts were opened on XX/XX/XXXX and closed on XX/XX/XXXX, triggering a false reporting that the accounts were only open for a total of 7 months. Further, additional information fields continue to report incomplete or inaccurate information. A copy of the account reporting issued by Equifax and XXXX is attached herein with all incorrect fields requiring updating highlighted in yellow. 

After completing a series of disputes to correct this information, the dispute results issued by both CRAs falsely confirmed that the information was verified with the furnisher as correct. A copy of Equifax 's dispute results as of XX/XX/XXXX is attached to this complaint. XXXX also received a dispute for this account however results were not made available to me as the site continues to block, restrict, and prevent access to my disputes. Attached is a copy of the error messages and screen messages I received when attempting to access my dispute results for these loans. 

This complaint is being filed to request prompt correct of the inaccuracies currently being reported, including updating the payment history, loan close date to XX/XX/XXXX as documented by the Department of Education, and the other accuracies as indicated in the attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Sent and called about account to verify be of Two accounts being reported from this company under XXXX XXXX XXXX XXXX XXXX XXXX ) That was settled XX/XX/year> by still reporting under the account number w/ Derogatory remarks with late payments

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Sent and called about account to verify be of Two accounts being reported from this company under XXXX XXXX XXXX XXXX XXXX XXXX ) That was settled XX/XX/year> by still reporting under the account number w/ Derogatory remarks with late payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Sent and called about account to verify be of Two accounts being reported from this company under XXXX XXXX XXXX XXXX XXXX XXXX ) That was settled XX/XX/2024 by still reporting under the account number w/ Derogatory remarks with late payments

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 2024-06-25 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: GA

Complaint narrative:
RE : XXXX BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Employer - -- - Incorrect Previous Address : 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 Listed below are the Inquiries that are being challenged 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 XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX  XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

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 2024-06-25 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: IL

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. 

Account Name : XXXX XXXX Account # XXXX, Account Name : XXXX XXXX, Account # XXXX, Account Name : XXXX XXXX XXXX, Account # XXXX, Account Name : XXXX XXXX XXXX, Account # XXXX, Account Name : XXXX XXXX XXXX, Account # XXXX, and Account Name : XXXX XXXX XXXX and Account # XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 2024-06-25 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: EQUIFAX, INC.
State: KS

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.

Also, I was never disclosed of ALL three of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party under 15 U.S. Code 6802 unless all three disclosures were satisfied but they were not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have made many attempt to resolve the issue with this company. I feel discriminated against. They are refusing to remove the negative reporting they created.

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 2024-06-25 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Dear Sir/Madam, I am reaching out to seek the support of your esteemed office in addressing severe issues with Macy 's American Express Credit Card services , which include unaddressed fraudulent activities on my account and the distressingly poor conduct of their customer support team. 

On XX/XX/year>, at XXXX XXXX, I received a fraud alert for unauthorized transactions made at a XXXX and a gas station. Immediately, I reported these as unrecognized, yet was unable to reach customer service until the following day due to after-hours operations. Upon contact, the response was to wait for an address verification process. Meanwhile, fraudulent charges continued to accrue, reaching over {$250.00}. 

Over several days, as I attempted to resolve this fraud and I encountered multiple conflicting instructions from different representatives : XXXX ) I was initially told to await a mail for address verification. 
2 ) Subsequently, I was instructed to send them proof of my new address.

3 ) Later, questions arose whether I had received any calls from their team. 

Throughout these interactions, not once was I given a clear timeline or procedure for resolution. The ambiguity reached a peak when, despite repeated requests, no representative could confirm the address to which they planned to send the verification mail. I even wrote a secured email through the Macy 's Credit Card account, but I didn't receive any response assuring the safety of credit and personal information. 

Moreover, on XX/XX/year>, I discovered unauthorized changes made to my personal details on XX/XX/XXXX. My efforts to rectify this and secure my account were met with evasion and continued rudeness, treating me with suspicion rather than as a victim of fraud. 

This prolonged and mismanaged interaction has not only failed to stop the fraudulent activity but has significantly affected my health, causing heightened XXXX XXXXXXXX XXXX XXXX XXXX  The lack of resolution and accountability from Macy 's American Express has left me in a vulnerable position, both financially and emotionally. 

I urgently request your office 's assistance to help ensure the cancellation of my card, the reversal of fraudulent charges, and a thorough investigation into the handling of my case. The inconsistencies and negligence displayed by Macy 's American Express need addressing to prevent further consumer harm. 

Thank you for your attention to this critical matter. I am willing to provide any additional information needed and look forward to your prompt response and support. 

Sincerely, 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 monetary relief
Consumer complaint received 2024-06-25 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: NY

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: AZ

Complaint narrative:
To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately. 
XXXX there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX  Delete this account. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Formal Complaint Regarding Failure to Process Reinvestigation Request Dear Sir/Madam, I am writing to formally lodge a complaint against TransUnion for their failure to process my reinvestigation request in a timely manner, which has resulted in the violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I submitted a reinvestigation request to TransUnion regarding inaccuracies on my credit report. Despite my efforts to resolve this matter, I have not received a response or any updates on the status of my request. The timeline of my actions and lack of response from TransUnion is as follows : 1. XX/XX/XXXX : I sent my initial reinvestigation request via certified mail, including all necessary documentation to support my claim. 
2. XX/XX/XXXX : Having received no response, I sent a follow-up letter to TransUnion, again via certified mail, reiterating my request for a reinvestigation and expressing my concerns about the lack of communication. 
3. XX/XX/XXXX : With still no response, I attempted to contact TransUnion by phone. I was unable to reach a representative and left a detailed voicemail requesting a status update. 
4. XX/XX/XXXX : I sent a final written request via certified mail, demanding immediate action on my reinvestigation request and warning of my intention to file a complaint with the Consumer Financial Protection Bureau if no action was taken. 

As of today 's date, XX/XX/XXXX, I have not received any response or update from TransUnion. This lack of action has severely impacted my ability to secure credit and has caused significant stress and inconvenience. 

The Fair Credit Reporting Act mandates that credit reporting agencies must investigate disputes within 30 days of receipt. The failure of TransUnion to process my request within this legally required timeframe is a clear violation of my rights as a consumer.

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 2024-06-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I am writing to formally demand a detailed explanation regarding the denial of my XXXX XXXX XXXX application received on XX/XX/year>. The letter of denial I received does not provide any explanation or details as to why my request was denied. Specifically, Navients statement mentioned, " Navient carefully considers a variety of factors in determining whether a private loan should be XXXX based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' I am requesting a thorough explanation outlining the specific factors and criteria that were considered in reaching this decision. Please provide me with a detailed breakdown of Navient 's decision-making process for evaluating XXXX XXXX XXXX applications, including all relevant policies, guidelines, or criteria applied. 

The evidence submitted with my application unequivocally demonstrates a breach of contract and misconduct by the school, which should have clearly supported my eligibility for discharge. Therefore, I request a reassessment of my application in light of the evidence provided. 

Furthermore, as per my rights under applicable laws and regulations, please provide documentation that definitively establishes XXXX ownership of these loans. This should include proof of purchase, relevant purchase and sale agreements, and a comprehensive list of the loans transferred to Navient as part of each acquisition.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: PA

Complaint narrative:
Ive noticed improper use of my credit report and Ive notified these credit bureaus but my word is not valid to them.

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 2024-06-25 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: PA

Complaint narrative:
Ive noticed improper use of my credit report and Ive notified these credit bureaus but my word is not valid to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I am disputing the above referenced debt. Part of the FCRA as a federally protected consumer, I am now opting out of any and all authorizations of anything that is on my credit report. If you have already reported this debt, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report.

Company response to consumer: Closed with non-monetary relief